1. An image pick-up apparatus comprising: image pick-up means having an image pick-up range for picking up an image; dividing means for dividing a central area of the image picked up by the image pick-up means into a predetermined number of regions of image, wherein the image corresponds to the image pick-up range of the image pick-up means; judging means for judging based on a variance of colors of the predetermined number of regions of image divided by the dividing means, whether or not an object image exists in the vicinity of a center of the image picked up by the image pick-up means, wherein the object image is used as a reference to adjust white balance; and first setting means for adjusting gain values of color components included in each of the predetermined number of regions of image, thereby setting white balance of the image corresponding to the image pick-up range of the image pick-up means, when the judging means determines that the object image exists in the vicinity of the center of the image picked up by the image pick-up means.