EXHIBIT 10.25

FIRST AMENDMENT TO
MUTUAL RELEASE AGREEMENT

             THIS First Amendment to the Mutual Release Agreement (the “First
Amendment”), made and entered into this 25th day of July, 2001, by and between
BYL BANK GROUP (the "Bank"), a California banking corporation, BYL BANCORP
(“BYL”), a California corporation, and ROBERT UCCIFERRI (hereinafter called the
"Employee").

W I T N E S S E T H:

             WHEREAS, the Employee is currently in the employ of BYL and the
Bank, serving as President and Chief Executive Officer of BYL and the Bank;

             WHEREAS, BYL, the Bank and Employee entered into a Mutual Release
Agreement in order to allow for Employee becoming a consultant and eventually
retiring from serving as President and Chief Executive Officer of BYL and the
Bank upon a proposed acquisition (the “Acquisition”) of BYL and the Bank by PBOC
Holdings, Inc. and People’s Bank of California;

             WHEREAS, the Acquisition was terminated on May 2, 2001, and as a
result, Employee’s employment agreement with the Bank is still in effect;

             WHEREAS, upon receipt of all necessary regulatory approvals of
Employee’s successor as President and Chief Executive Officer of BYL and the
Bank, the Employee desires to terminate his employment agreement with the Bank,
enter into a Consulting Agreement with the Bank with a term that will expire on
December 31, 2003, and further amend the Employee’s Salary Continuation
Agreement (“SCA”) dated November 28, 1995, as amended December 20, 2000;

             NOW, THEREFORE, in consideration of the services to be performed in
the future as well as the mutual promises and covenants herein contained, it is
agreed as follows:

1.          Section 2.1 is amended in full as follows:

             “2.1      Termination of Employment.  In exchange for the
consideration contained in this Agreement, the sufficiency of which is hereby
acknowledged by Employee, Employee agrees to resign his employment with Employer
and terminate the Employment Agreement and hereby release the Employer, as
further detailed below, from any liability relating to his employment
relationship with the Employer and termination thereof, upon receipt of all
necessary regulatory approvals of Employee’s successor as President and Chief
Executive Officer of BYL and the Bank.”

2.          Section 2.2 is amended to read in full as follows:

             “2.2      Board of Directors.  Upon receipt of all necessary
regulatory approvals of Employee’s successor as President and Chief Executive
Officer of BYL and the Bank, Employee shall resign from the Board of the Company
and the Bank.”

3.          Section 2.3 is amended to read in full as follows:

             “2.3      Executive Salary Continuation Agreement and Consulting
Agreement. Employee and the Bank have agreed to the SCA dated November 28, 1995,
as amended December 20, 2000.  It is the desire of Employer that Employee’s
services be retained as a Consultant and the SCA be amended by a Second
Amendment to the SCA dated July 25, 2001 (the “Second Amendment”).  The SCA and
Second Amendment are attached hereto as Exhibit “A” and incorporated herein by
this reference.  In addition to the SCA and Second Amendment, Employee is
willing to continue to provide services to Employer as a consultant under a
separate Consulting Agreement, as amended.  The Consulting Agreement, dated
December 20, 2000, as amended, which is attached hereto as Exhibit “B and
incorporated herein by this reference provides, in part, that Consultant will
receive the annualized sum of $64,700, payable on the first and 15th of each
month, commencing August 15, 2001, plus certain benefits until December 31,
2003.  The SCA, as amended, provides, in pertinent part, that Employer will pay
to Employee, beginning immediately after December 31, 2003, the annualized sum
of $64,700, payable semi-monthly, until December 31, 2113; subject to the
conditions and limitations set forth therein.  Employer agrees to undertake the
obligations under the SCA, as amended, and the Consulting Agreement, as amended,
in consideration of Employee agreeing to a full release of any and all claims
that Employee has against Employer as provided in this Agreement.”

4.          Section 2.5 is amended to read in full as follows:

             “2.5      Bank Accruals.  The Bank has expensed on a discounted
cash flow basis any and all payments needed to fully fund the SCA, which the
parties acknowledge is in full force and effect, estimated to be a pre-tax
payment of approximately $100,000.  Over the next three years, the Bank agrees
to book the remaining accruals to reach the $434,862 retirement liability,
estimated to be approximately $97,577.  The Bank shall take no action to
jeopardize Consultant’s Salary Continuation Agreement.”

5.          Capitalized terms used herein and not otherwise defined shall have
the same meaning as set forth in the Mutual Release Agreement.

6.          This First Amendment may be entered into in one or more
counterparts, all of which shall be considered one in the same instrument, and
it shall become effective when one or more counterparts have been signed by each
of the Bank and the Employee and delivered to the other Party, it being
understood that all Parties need not sign the same counterpart.

7.          Except as herein amended, the Mutual Release Agreement shall remain
in full force and effect.

8.          This First Amendment shall be governed by and construed in
accordance with the laws of the State of California.

9.          The terms and conditions of this First Amendment are subject to the
approval of any necessary regulatory agency.

             IN WITNESS WHEREOF, BYL and the Bank have caused this Agreement to
be duly executed, pursuant to a resolution approved by its Board of Directors,
by its Chairman of the Board and its corporate seal affixed, duly attested by
its secretary and the Employee has hereunto set his hand and seal at Orange,
California, the day and year above written.

BYL BANCORP BYL BANK GROUP         By: /s/ H. Rhoads Martin, Jr.   By: /s/ H.
Rhoads Martin, Jr.    

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    H. Rhoads Martin, Jr.   H. Rhoads Martin, Jr.   Chairman of the Board  
Chairman of the Board         By: /s/ John F. Myers   By: /s/ John F. Myers    

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    John F. Myers, Secretary   John F. Myers, Secretary                    
EMPLOYEE:             /s/ Robert Ucciferri      

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      Robert Ucciferri               1400 Lodge Pole      

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      Hemet, CA      

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      (Address)