LEASE AGREEMENT FOR 618 MAIN STREET
                      -----------------------------------

         THIS LEASE AGREEMENT made and entered into the 26 day of February 2004
by an between THOMAS W. and MARGARET S. STALLARD, hereinafter called "LESSORS,"
and YOLO COMMUNITY BANK, a California Subchapter S Corporation, hereinafter
called "LESSEES."

         IT IS HEREBY MUTUALLY UNDERSTOOD AND AGREED AS FOLLOWS:

         1.       LESSORS hereby lease to LESSEES and LESSEES hereby hire from
LESSORS on the terms and conditions herein set forth, that certain building on
the real property of LESSORS situated in the City of Woodland, County of Yolo,
State of California, comprising the entire third floor of that building
identified as 618 Main Street and more particularly delineated on Exhibit "A"
attached hereto and incorporated by reference. Said floor, approximating 4300
square feet, more or less, to be hereinafter referred to as "the premises."

         2.       The term of this Lease shall be for a period of FIVE years
commencing on Junel 1, 2004 and terminating on May 31, 2009.

         3.       Rent shall be due and payable in advance on the first day of
each month as follows:

                  (a)      For the period commencing June 1, 2004, and
                           continuing through May 31, 2006, LESSEES shall pay
                           the LESSORS as rent for said premises the sum of Five
                           thousand dollars ($5000) per month.
                  (b)      For the period commencing June1, 2006, and
                           continuing through May 31, 2008 LESSEES shall pay the
                           LESSORS as rent for said premises the sum of Five
                           thousand two hundred dollars ($5200) per month.
                  (c)      For the period commencing June 1, 2008, and
                           continuing through May 31, 2009, LESSEES shall pay
                           the LESSORS as rent for said premises the sum of Five
                           thousand four hundred and eight dollars ($5408) per
                           month.

         4.       LESSORS grant LESSEES two additional option periods of five
years each. In each case, the intent to exercise an option shall be exercised
within six months before the existing lease expires and negotiations concluded
before the final ninety days of the existing lease period.

         5.       The premises shall be used and occupied for the offices of a
bank. LESSEE shall take the premises in a "finished shell" condition and modify
it for their purposes, including modification of the electrical service and
other building systems complying with all relevant laws and respecting the
structural integrity of

<PAGE>

the building. All work to be done with due regard for impacts on nearby tenants.
LESSEE further agees to be responsible for provision and installation of the
drop ceiling including the light fixtures as well as the flooring inclusive of
the stairwells which shall be carpeted. LESSOR agrees to provide finished
restrooms, finished electrical other than as indicated above, and the
installation of four skylights with finished lightwells to meet the suspended
ceiling system that LESSEE will be installing.

         6.       LESSEES shall pay for all charges for telephone, breakage of
windows, light bulbs and cleaning, which relate to the space occupied by it.
LESSEES shall also pay all costs of gas and electricity. LESSORS shall pay water
and garbage. There is no common area maintenance fee. LESSEES shall, at its sole
cost and expense, keep and maintain said premises and appurtenances and every
part thereof, set forth in Exhibit "A" in good and sanitary order, condition and
repair, reasonable use and wear thereof and damages by act of God excepted.

         7.       LESSEES shall not commit or suffer to be committed any waste
upon said premises or any public or private nuisance, or other act or thing
which may disturb the quiet enjoyment of the other tenants of said building in
which the demised premises are located.

         8.       LESSEES agree to indemnify and save LESSORS harmless from and
against any and all claims arising from any act, omission or negligence of
LESSEES or its contractors, licensees, agents, servants, employees or invitees,
arising from any accident or injuries, in or about the premises, or any part of
them. LESSEES shall at their own cost and expense procure and keep in force
during the term of this Lease a policy of comprehensive public liability
insurance with limits of not less than One Million Dollars ($1,000,000.00) as to
any one person, and Two Million Dollars ($2,000,000.00) as to any one accident,
and One Million Dollars ($1,000,000.00) as to property damage, issued by an
insurance carrier satisfactory to LESSORS, and LESSORS shall be named as
co-insured therein. LESSORS and LESSEES mutually waive any right of subrogation
that they or their insurer may be able to claim against one another or their
insuror. LESSEES understand that appropriate insurance will be their sole
responsibility and that they are charged with protecting the interests of
LESSORS with regard to the subject property, as LESSORS will have no separate
insurance policy on the leasehold.

         9.       LESSORS assume all responsibility for compliance with the
Americans with Disabilities Act with respect to access to the leasehold and to
restrooms therein. LESSEES will be responsible for compliance as to interior
improvements and/or fixtures which they install.

         10.      LESSEES shall, during the term of this Lease, comply with all
the requirements of all municipal, state and federal authorities, laws,
statutes, and regulations now in force, or which may hereafter be in force
pertaining to said premises.

         11.      LESSEES shall not assign this LEASE or any interest therein,
and shall not lease or sublet said premises, or any part thereof, without the
prior written consent of LESSORS. A consent to one assignment or subletting
shall not be construed as a consent to any subsequent assignment or subletting.
Consent to sublease shall not be unreasonably withheld.

         12.      In the case the premises shall be partially or totally
destroyed so as to become partially or totally untenable, the same shall be
repaired or rebuilt as speedily as possible at the expense of the LESSORS'
insurer, unless the LESSORS shall elect not to repair or rebuild as provided in
Subparagraph (A) below, and should there be a substantial interference with
LESSEES' business, a just and proportionate part of the fixed rent shall be
abated until the premises are repaired or rebuilt, unless said destruction is
the fault of LESSEES.

<PAGE>

                  (A)      If more than fifty percent (50%) of the leased
premises shall be destroyed or so damaged by fire or other casualty as to become
wholly untenable, then LESSORS may, if they so elect, rebuild or put said
building in good condition and fit for occupancy within a reasonable time after
such destruction or damage, or it may give notice terminating this Lease as of
the date not later than thirty (30) days after such damage or destruction. If
LESSORS elect to repair or rebuild the building, they shall, within thirty (30)
days after such damage or destruction, give LESSEES notice of their intention to
repair or rebuild and then shall proceed with reasonable speed to make the
repairs or to rebuild. Unless LESSORS elect to terminate this Lease, said LEASE
shall remain in full force and effect and the parties waive the provision of any
law to the contrary.

         12.      The terms, covenants and conditions herein contained shall
apply to and bind and inure to the benefit of the heirs, successors,
administrators and permitted assigns of all the parties hereto.

         13.      Any signs to be placed upon said premises shall be subject to
the approval of LESSORS. LESSORS will continue to control the exterior
appearance of the building in order to preserve the historical character of the
structure.

         14.      It is understood and agreed that LESSEES are entitled to three
(3) parking spaces and it is agreed these spaces are intended exclusively for
clients and customers of LESSEES.

         15.      On the last day or sooner of termination of the Lease terms,
LESSEES shall quit and surrender the premises, vacuumed and dusted, in good
condition and repair (reasonable wear and tear and damage by act of God
excepted) together with alterations, additions and improvements that may have
been made in, to or on the premises, except moveable furniture or unattachable
trade fixtures put in at LESSEES' expense.

         16.      If LESSEES remain in possession of the premises after the
expiration of the Lease terms and without executing a new Lease, such holding
over shall be construed as a tenancy from month-to-month, subject to all the
conditions, provisions and obligations of this Lease insofar as the same are
applicable to month-to-month tenancy, except that LESSORS will be free to adjust
the rent.

         17.      If any action or proceeding is initiated by either party of
this Lease to enforce the provisions hereof, the unsuccessful party in any such
proceeding or litigation shall pay to the successful party reasonable attorney's
fees and court costs.

         18.      If the LESSEES at any time during the term of this Lease shall
(a) fail to make payment of any installment of rent or of any other sum here
specified to be paid to LESSEES, or (b) fail to observe or perform any of the
LESSEES' other covenants, agreements or obligations hereunder, and if such
default shall not be cured, as to (a) within ten (10) days after written notice
of such payor to make any payment, or as to (b) within thirty (30) days after
LESSORS shall have given to LESSEES written notice specifying such defaults,
other than payment or money, or (c) if the LESSEES are adjudicated a bankrupt or
insolvent, or has a receiver appointed for all or substantially all of his
business or assets, or a trustee appointed for it after a Petition has been
filed for LESSEES' reorganization under the Bankruptcy Act, or if LESSEES shall
vacate or abandon the leased premises, then in such event, the LESSORS shall
have the right, at their election, to give the LESSEES notice of LESSORS'
intention to terminate this Lease and retake possession and thereupon all
LESSEES; rights, granted hereunder shall come to an end as fully as if such date
or the last day of whole term hereinabove specified, and the LESSEES hereby
covenants peaceably and quietly to yield up and surrender to LESSORS said Leased
premises.
<PAGE>

         IN WITNESS WHEREOF, LESSORS and LESSEES have executed this Lease the
date and year first above written.


LESSORS:                                             LESSEES:

/s/ THOMAS W. STALLARD                 Yolo Community Bank, a California
----------------------------             Subchapter S Corporation
THOMAS W. STALLARD


/s/ MARGARET S. STALLARD               By: [illegible]
----------------------------               -------------------------------------
MARGARET S. STALLARD                       Title: President / CEO


                                           [illegible]
                                           -------------------------------------
                                           SVP / CFO