EXHIBIT 3.1

                      ARTICLES OF INCORPORATION, AS AMENDED


Article IV of the articles of incorporation of Bancorp is amended to read as
follows:

This corporation is authorized to issue two classes of shares designated "Common
Stock" and "Preferred Stock," respectively. The number of shares of Common Stock
authorized to be issued is 30,000,000, and the number of shares of Preferred
Stock authorized to be issued is 10,000,000. Upon the amendment of this article,
each outstanding share of Common Stock is split into 1.5 shares.

The Preferred Stock may be issued from time to time in one or more series. The
Board of Directors is authorized to fix the number of shares of any series of
Preferred Stock and to determine the designation of any such series. The Board
of Directors is also authorized to determine or alter the rights, preferences,
privileges and restrictions granted to or imposed upon any wholly unissued
series of Preferred Stock, and, within the limits and restrictions stated in any
resolution or resolutions of the Board of Directors originally fixing the number
of shares constituting any series, to increase or decrease (but not below the
number of shares of such series then outstanding) the number of shares of any
such series subsequent to the issue of shares of that series.

Certified by the California Secretary of State on September 29, 2005.


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                            ARTICLES OF INCORPORATION

                                       OF

                               SERVICE 1ST BANCORP

         The name of this corporation is Service 1st Bancorp.


                                       II

         The purpose of this corporation is to engage in any lawful act or
activity for which a corporation may be organized under the General Corporation
Law of California other than the banking business, the trust company business or
the practice of a profession permitted to be incorporated by the California
Corporations Code.


                                       III

         The name and address in the State of California of this corporation's
initial agent for service of process is:

                                 John O. Brooks
                              c/o Service 1st Bank
                         2800 West March Lane, Suite 120
                               Stockton, CA 95219


                                       IV

         This corporation is authorized to issue two classes of shares
designated "Common Stock" and "Preferred Stock," respectively. The number of
shares of Common Stock authorized to be issued is 20,000,000, and the number of
shares of Preferred Stock authorized to be issued is 10,000,000. The Preferred
Stock may be issued from time to time in one or more series. The Board of
Directors is authorized to fix the number of shares of any series of Preferred
Stock and to determine the designation of any such series. The Board of
Directors is also authorized to determine or alter the rights, preferences,
privileges and restrictions granted to or imposed upon any wholly unissued
series of Preferred Stock, and, within the limits and restrictions stated in any
resolution or resolutions of the Board of Directors originally fixing the number
of shares constituting any series, to increase or decrease (but not below the
number of shares of such series then outstanding) the number of shares of any
such series subsequent to the issue of shares of that series.

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                                        V

         Section 1.   Limitation of Directors' Liability. The liability of the
directors of this corporation for monetary damages shall be eliminated to the
fullest extent permissible under California law.

         Section 2.   Indemnification of Directors and Officers. This
corporation is authorized to indemnify the directors and officers of the
corporation to the fullest extent permissible under California law.

         Section 3.   Repeal or Modification. Any repeal or modification of the
foregoing provisions of this Article V shall not adversely affect any right of
indemnification or limitation of liability of a director or officer of this
corporation relating to acts or omissions occurring prior to such repeal or
modification.


Dated:  January 23, 2003               /s/ SHANNON EVANS
                                       -----------------------------------------
                                       Shannon Evans
                                       Sole Incorporator


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