INFORMATION TECHNOLOGY INC.
                            EQUIPMENT SALE AGREEMENT

Agreement  made  between  Information  Technology,  Inc. (the "Vendor"), and the
"Customer" identified below.


I. PURCHASE

         1.1 Customer  hereby  purchases  from Vendor and Vendor hereby sells to
Customer the  equipment  identified  in Appendix A (the  "Equipment"),  upon the
terms set forth in this agreement.

II. DELIVERY

         2.1  Delivery and  installation  of the  Equipment  will be made by the
manufacturer of the Equipment identified in Appendix A (the  "Manufacturer"), at
Customer's  address set forth below.  Customer  agrees to have a site adequately
and properly  prepared,  in  accordance  with  Manufacturer's  instructions,  to
receive  and accept  delivery  of the  Equipment.  In no event  shall  Vendor be
responsible  to  Customer  for any delays in  delivery  or  installation  or any
damages to Customer resulting from such delays.

III. CONSIDERATION

         3.1 PURCHASE  PRICE.  As and for the purchase price for  the Equipment,
Customer  agrees to pay Vendor and Vendor  agrees to accept from  Customer,  the
purchase price specified in Appendix A.

         3.2  TAXES  AND OTHER  CHARGES.  In  addition  to the  purchase  price,
Customer shall pay all transportation charges and all taxes (including,  without
limitation,  sales,  use,  privilege,  ad valorem or excise  taxes) and  customs
duties paid or payable by Vendor, however designated, levied or based on amounts
payable to Vendor under this  agreement,  but  exclusive  of federal,  state and
local taxes based on Vendor's net income.  If  additional  labor and rigging are
required for installation due to Customer's special site requirements,  Customer
will pay those costs,  including costs to meet union or local law  requirements.
Customer shall not deduct from payments to Vendor any amounts paid or payable to
third  parties for  transportation  charges,  customs  duties or taxes,  however
designated.

         3.3 MANNER OF PAYMENTS.  The purchase  price and other charges  arising
under this  agreement  shall be payable by Customer  to Vendor in the  following
manner

            (A) A percentage of the purchase  price, as specified in Appendix A,
         shall be payable  upon  execution of this  agreement  by Customer;  the
         receipt  or  deposit  of such  payment,  however, shall not  constitute
         Vendor's acceptance of this agreement.

            (B)  The  balance  of  the  purchase   price,   together   with  any
         transportation  charges and any taxes and duties  theretofore  incurred
         by Vendor, shall be payable upon delivery of the Equipment to Customer.

            (C) Any taxes, duties, or other charges incurred by Vendor following
         delivery  of the  Equipment  shall be  payable  within ten (10) days of
         receipt by Customer of Vendor's invoice therefor.

         3.4 CURRENCY.  The purchase  price and any other charges  arising under
this agreement shall be invoiced and be payable in U.S. Dollars.

         3.5 LATE PAYMENT.  Customer  shall pay a late payment charge of one and
one-half  percent  (1-1/2%)  per  month,  or the  maximum  late  payment  charge
permitted  by  applicable  law,  whichever  is less,  on any  amount  payable by
Customer  under this  Agreement and not paid when due. Said late payment  charge
shall be applied for each calendar month (or fraction thereof) that such payment
is not made following its due date.

IV. TITLE

         4.1 Until such time as the purchase price and any other charges payable
to Vendor as of the date of delivery  have been paid in full,  the Equipment and
all instruction manuals therefor shall remain the property of Vendor and, at the
option of Vendor, shall be returned to Vendor at Customer's expense in the event
the purchase price is not paid as hereinabove provided.

V. SECURITY

         5.1 Vendor reserves and Customer  grants to Vendor a security  interest
in the Equipment as security for the  performance by Customer of its obligations
hereunder including, but not limited to, payment of the purchase price and other
charges as specified in Section III above. A copy of this agreement may be filed
in  appropriate  filing  offices at any time after  signature  by  Customer as a
financing  statement or Vendor may require and Customer shall execute a separate
financing  statement  for  purposes of  perfecting  Vendor's  security  interest
granted pursuant to the provisions of this paragraph.

VI. CUSTOMER OBLIGATIONS

         6.1 RISK OF LOSS. From and after the date of delivery, the risk of loss
or damage to the Equipment shall be on the Customer.

         6.2 OPERATION.  Customer acknowledges and agrees that it is exclusively
responsible  for the  operation,  supervision,  management  and  control  of the
Equipment,  including,  but not limited to, providing  adequate training for its
personnel,   instituting  appropriate  security  procedures,   and  implementing
reasonable  procedures to examine and verify all output before use. Vendor shall
have no  responsibility  or  liability  for  Customer's  selection or use of the
Equipment or any associated equipment.

VII. WARRANTIES

         7.1  WARRANTY.  Vendor  warrants to  Customer  that it has the right to
transfer title of the Equipment to Customer.  Vendor's sole liability under this
warranty  shall be to obtain any title or  authorization  necessary  to transfer
such title to Customer.

         7.2  DISCLAIMER.  THE  FOREGOING  WARRANTY  IS IN  LIEU  OF  ALL  OTHER
WARRANTIES  AND NO OTHER  WARRANTY IS EXPRESSED OR IMPLIED,  INCLUDING,  BUT NOT
LIMITED TO, IMPLIED WARRANTIES OF  MERCHANTABILITY  AND FITNESS FOR A PARTICULAR
PURPOSE.

         7.3 MANUFACTURER'S WARRANTY.  Customer expressly understands and agrees
that  warranties  regarding  patents,  materials,  workmanship  or  use  of  the
Equipment (the "Manufacturer's  Warranty"),  if any, are made exclusively by the
Manufacturer  and not by  Vendor,  and if made,  shall be  encompassed  within a
separate agreement.  Customer's exclusive remedy under  Manufacturer's  Warranty
shall be as provided therein and shall lie exclusively against and be obtainable
only from the Manufacturer,  and Customer expressly agrees that it shall have no
claim or cause of action against Vendor in the event the Manufacturer is for any
reason  unwilling  or  unable  to  perform  under  the  terms of  Manufacturer's
Warranty.

         7.4 LIMITATION OF LIABILITY.  Customer  expressly  agrees that Vendor's
responsibilities  in the event of its  breach  of the  warranties  contained  in
paragraph  7.1 of this  agreement are as set forth in said  paragraph.  Vendor's
liability  for  damages,  regardless  of the form of action shall not exceed the
purchase price set forth in Appendix A to this agreement and shall arise only if
the remedies set forth in paragraph  7.1 are not  fulfilled by Vendor.  Customer
further  agrees that Vendor will not be liable for any lost profits,  or for any
claim or demand against  Customer by any other party. IN NO EVENT WILL VENDOR BE
LIABLE  FOR  CONSEQUENTIAL  DAMAGES  EVEN IF  VENDOR  HAS  BEEN  ADVISED  OF THE
POSSIBILITY OF SUCH DAMAGES.  No action,  regardless of form, arising out of the
transactions under this agreement,  may be brought by either party more than one
(1) year  after the cause of  action  has  accrued,  except  that an action  for
non-payment  may be  brought  within  one (1)  year  after  the date of the last
payment.

<PAGE>


THE CUSTOMER'S REMEDIES SET FORTH IN THIS AGREEMENT ARE EXCLUSIVE.

VIII. DEFAULT

         8.1 REMEDY.  Upon the occurrence of an event of default, as hereinafter
defined,  by Customer,  if the Equipment has theretofore been delivered,  Vendor
may recover,  together with any  incidental  damages,  any unpaid portion of the
purchase  price of the  Equipment  as  specified  in  Appendix A hereto.  If the
Equipment has not been delivered, in which event Vendor may withhold delivery of
such Equipment, or if the Equipment is returned to Vendor upon Vendor's election
pursuant to Section IV,  Vendor  shall resell the  Equipment.  Upon such resale,
Vendor shall recover from Customer the difference  between the unpaid portion of
the purchase price, as specified in Appendix A, and the  resale  price, together
with any incidental damages,  including expenses of resale,  sustained by Vendor
by reason of Customer's  breach.  If the resale price exceeds the unpaid portion
of the purchase price and Vendor's  incidental  damages,  Vendor shall remit the
excess to Customer.

         8.2 EVENTS OF  DEFAULT.  As  utilized  in this  agreement,  an event of
default is defined as any of the following:

            (A)  Customer's  failure to pay any  amounts  required to be paid to
         Vendor under this agreement on a timely basis;

            (B) Until the purchase  price has been paid in full,  any attempt by
         Customer to assign, sell, mortgage, or otherwise convey the Equipment;

            (C) Prior to the  payment in full of the  purchase  price,  Customer
         causing or permitting any  encumbrance,  of any nature  whatsoever,  to
         attach to  Customer's  interest in the Equipment in favor of any person
         or entity other than Vendor;

            (D) The entry of any order for  relief  under any  provision  of the
         federal bankruptcy code in any bankruptcy  proceedings  initiated by or
         against Customer; or

            (E)  Customer's  breach  of any of the  terms of  conditions  of the
         agreement.

IX. GENERAL

         9.1 TITLES.  Titles and paragraph  headings are for reference  purposes
only and are not to be considered a part of this agreement.

         9.2 FORCE  MAJEURE.  No party shall be liable for delay in  performance
hereunder due to causes beyond its control, including but not limited to acts of
God,  fires,   strikes,   delinquencies   of  suppliers,   intervention  of  any
governmental  authority  or acts of war,  and each  party  shall  take  steps to
minimize any such delay.

         9.3 WAIVER.  No waiver of any breach of any provision of this agreement
shall constitute a waiver of any prior,  concurrent or subsequent  breach of the
same or any other provisions hereof and no waiver shall be effective unless made
in writing and signed by an authorized representative of the party to be charged
therewith.


         9.4  SEVERABILITY.  In the event that any  provision of this  agreement
shall be illegal or otherwise  unenforceable,  such  provision  shall be severed
from this agreement and the entire  agreement shall not fail on account thereof,
the balance of the agreement continuing in full force and effect.

         9.5  NOTICES.  Any  notice  which  either  party  hereto is required or
permitted  to give  hereunder  shall be  addressed  to the  party to be  charged
therewith  at the  address set forth  below and shall be given by  certified  or
registered mail. Any such notice shall be deemed given on the date of deposit in
the mail.

         9.6 ENTIRE AGREEMENT. THE PARTIES HERETO ACKNOWLEDGE THAT EACH HAS READ
THIS AGREEMENT, UNDERSTANDS IT, AND AGREES TO BE BOUND BY ITS TERMS. THE PARTIES
FURTHER  AGREE THAT THIS  AGREEMENT  AND ANY  MODIFICATIONS  MADE PURSUANT TO IT
CONSTITUTE  THE COMPLETE AND  EXCLUSIVE  WRITTEN  EXPRESSION OF THE TERMS OF THE
AGREEMENT  BETWEEN  THE  PARTIES,  AND  SUPERSEDE  ALL PRIOR OR  CONTEMPORANEOUS
PROPOSALS,  ORAL  OR  WRITTEN,  UNDERSTANDINGS,   REPRESENTATIONS,   CONDITIONS,
WARRANTIES, COVENANTS, AND ALL OTHER COMMUNICATIONS BETWEEN THE PARTIES RELATING
TO THE SUBJECT  MATTER OF THIS  AGREEMENT.  THE PARTIES  FURTHER AGREE THAT THIS
AGREEMENT MAY NOT IN ANY WAY BE EXPLAINED OR SUPPLEMENTED BY A PRIOR OR EXISTING
COURSE OF DEALINGS BETWEEN THE PARTIES,  BY ANY USAGE OF TRADE OR CUSTOM,  OR BY
ANY  PRIOR  PERFORMANCE  BETWEEN  THE  PARTIES  PURSUANT  TO THIS  AGREEMENT  OR
OTHERWISE.  IN THE EVENT CUSTOMER  ISSUES A PURCHASE  ORDER OR OTHER  INSTRUMENT
COVERING THE EQUIPMENT HEREIN  SPECIFIED,  IT IS UNDERSTOOD AND AGREED THAT SUCH
PURCHASE ORDER OR OTHER  INSTRUMENT IS FOR CUSTOMER'S  INTERNAL USE AND PURPOSES
ONLY  AND  SHALL  IN NO WAY  AFFECT  ANY OF THE  TERMS  AND  CONDITIONS  OF THIS
AGREEMENT.

         9.7 GOVERNING LAW. This agreement is accepted in the State of Nebraska,
and shall be enforced in  accordance  with and governed by the laws of the State
of Nebraska.

         9.8  CHOICE OF FORUM.  Any  action  arising  out of or  related to this
agreement or the transaction herein described,  whether at law or in equity, may
be instituted  in and  litigated in the state or federal  courts of the State of
Nebraska. In accordance herewith,  the parties hereto submit to the jurisdiction
of the courts of said  state.  Any party being not a resident of Nebraska at the
time of suit hereby appoints the Secretary of State of Nebraska as its agent for
receipt of service of process.

         9.9  ATTORNEY'S  FEES.  In the event that any action or  proceeding  is
brought in connection with this agreement the prevailing  party therein shall be
entitled to recover its costs and reasonable attorney's fees.

         9.10  EFFECTIVE  DATE.  This  agreement  shall be effective on the date
accepted and executed by an authorized representative of Vendor.

CUSTOMER:                                   VENDOR:

FIRST NATIONAL BANK OF CENTRAL CALIFORNIA
------------------------------------------  INFORMATION TECHNOLOGY, INC.

Signature: /s/ Dennis A. DeCius             Signature:
           -------------------------------             -------------------------

Name:      Dennis A. DeCius                 Name:
      ------------------------------------        ------------------------------

Title:     Chief Financial Officer          Title:
       -----------------------------------           ---------------------------


Address:   307 MAIN STREET                    Address:   1345 Old Cheney Road
         ---------------------------------
           SALINAS, CA 93901                             Lincoln, NE 68512
         ---------------------------------

Date:      February 2, 1996                    Date Accepted:
         ---------------------------------                   -------------------

<PAGE>

                                   APPENDIX A

                               EQUIPMENT AND TERMS


1. MANUFACTURER. The Manufacturer of the Equipment subject to this agreement is:


2.  PURCHASE  PRICE:  The purchase  price for the  Equipment  is $304,623.  100%
thereof  shall be payable  upon  execution of this  agreement,  the balance upon
delivery of the Equipment.

3. EQUIPMENT. The Equipment subject to this agreement consists of the following:


<TABLE>

HARDWARE:
<CAPTION>
                                                                    LIST     EXTENDED
    STYLE               DESCRIPTION                          QTY    PRICE    PRICE
    -----               -----------                          ---    -----    -----
<S>                    <C>                                   <C>    <C>      <C>

 I   A 1401-CIl          SYS:A 14 Model 111C                 1      71,000   71,000
      A 1401-SY3          PROC: A 14 Sys 1 Single            1
      A 1401-MOD          INSTL: Basic Sys Mod 1X            1
      A 1401OP3           FUNCT'L S/W: A 1401-C11 1          1
      A 1401-MBD          MEM: Board (4MBIT)                 1
      A 14-96M            MEM: 96MB Increment                1
 2   A 14-CP2           INSTL: Component Pkg 2               1      24,000   24,000
      RM 36-0             CABINET: 36U Open Front            1
      RM 1936-FOT         INSTL: Stabilizer Foot             1
      EVO 400-COL         DISPLAY: 15 Color Monitor          1
      SVG 100-EXT         CABLE: SVGA Extension              I
      C 3381-EXT          PWR CORD: Extension                1
      PCK 101-KBD         KEYBD: PC 101                      1
      PCK 1-EXT           CABLE: PS2 Kyb Extension           1
      PWM 1-SER           MOUSE: 2 Button Mouse/AT           1
      UN 6100-MEX         CABLE: Mouse Extension             1
      PM 5-CA4            INSTL: Channel Adptr Mod           1
      CA301-FT            ADPTR: CA Rack Fee Thru            1
      CBL 10-CS           CABLE: 10 ft CSBUS                 1
  3   A 1003-MOD        COM HW: Remote Sprt Modem            1      Incl     Incl
  4   ASP 805-2M        DISK: Initial Order 2X805            1     1,500    1,500
      ASD 803-SEA         DISK: 805MB DR (SE HH*12.5"        2
      A 8l00-SL1          DRIVERE: SCSI Disk (2 keys)        1
  5   OP 378-33         ADPTR: Data Comm Host 4              1     4,000    4,000
  6   CA 312-SCI        ADPTR: Differential SCS12            1     7,500    7,500
  7   CA 622-ETH        CTRL: Enry 802.3 C/A                 1     6,000    6,000
      CA 622-BAS          CTRL: Entry 802.3 Base             1
      CP 2013-5           l/F: 802.3 LAN Transc Ver          1
      CA 6OO-OMC          ADPTR: ETh Adapter                 1
  8   CHN 36-CNV        UPGRD: 3U-6U CA Rack Upgr            1       850      850
  9   USR 4262-D22      DISK: Pkg DP 2X1545-16MB             1    27,726   27,726
      USR 4000-SM2        DISK: SDM2 with AC/Air Mod         1
      SDM 1000-F50        UPGRD: SDM 50P Feed Thru           4
      SDM 1000-T50        UPGRD: SDM 50P Terminator          2
      SDM 1000-RPC        UPGRD: SDM 2nd AC/Air Mod          1
      SDM 1000-SBS        UPGRD: SDM Status Bus SLV          1
      USD 2000-C23        DISK: Dev Cage 1.5GBX16MB          2
 10   USR 31110-PDU     POWER: Pkg 3U PDU IHUB 1             1     9,800    9,800
      USR 3000-PDU        PWR: 3U Rack Mount PDU             1
      PDU 1000-SBM        UPGRD: PDU Status Bus Mas          1
      PDU 1000-PNL        UPGRD: PDU Operator Panel          1
 11   RM 3-APC          POWER: Automatic Control             1     6,000    6,000
 12   CBL 15-MLI        CABLE: 15 ft MLI                     1       350      350

</TABLE>
<PAGE>

<TABLE>

                             APPENDIX A (continued)
<CAPTION>

                                                                   LIST         EXTENDED
     STYLE           DESCRIPTION                            QTY    PRICE        PRICE
     -----           -----------                            ---    -----        -----
<S>                  <C>                                    <C>    <C>          <C>

 13  CBL8-8          CABLE: 8 ft SCSI Woven                 2         100           200
 14  RM 9700-LC      PWR CORD: Domestic                     1
 15  CBL l31-10A     CABLE: 10 SCSI I/O                     1         100           100
 16  RM 9-103        INST: MLI I/O Base                     1      12,500        12,500
 17  CA 301-MLI      ADPTR: MLI Channel                     1      10,000        10,000
 18  CBL 3-8         CABLE: 8 ft Dual Woven                 1         200           200
 19  CBL 1-8         CABLE: 8 ft Single Ribbon              1         100           100
 20  CBL 5-8         CABLE: 8 ft Printer/Tape               1         100           100
 21  CBL 378-8       CABLE: CONN Box - 8 ft                 1         150           150
 22  CBL 131-10A     CABLE: 10, SCSI I/O                    1         100           100
 23  cbl 7-8         cable: 8 FT icd                        1         100           100
 24  UMS 4640        40 PPM Laser Printer                   2      30,995        61,990
 25  DU 4025         PRT AC:                                2       1,965         3,930
 26  DU 4005         Output Tray Stacker                    2       1,625         3,250
 27  DU4000          Printer Stand                          2         550         1,100
 28  904008000       Laser Printer Inst & Setup             1         750           750
 29  816116883       Start Up Kit-Supplies                  1       2,600         2,600
 30  1528XXXXX       30' Serial Cable                       2         100           200
 31  1528XXXXX       30' Parallel Cable                     2         100           200

                                                                                -------
                     TOTAL HARDWARE:                                            $256,296
                     LESS: Discount:                                             (15,378)
                     TOTAL HARDWARE:                                            $240,918
</TABLE>

<TABLE>
SOFTWARE:
<CAPTION>
                                                                   FIVE YEAR
                                                                   LICENSE      EXTENDED
 STYLE               DESCRIPTION                             QTY   CHARGE       PRICE
 -----               -----------                             ---   ------       -----
 <S>                 <C>                                     <C>   <C>          <C>

 1   A1401-SF1       0/S: SSFForModel 111                    1     48,500       48,500
       A 99-CPS        0/S: Common Platform SW               1
       A 14-MCM        0/S: A 14 Sys S/W Core Med            1
       A 99-TAS        COM 5W: TCP/IP Applicaton             1
       A 14-PSS        0/S: Platform Specific SW             1
       APL 99-TIC      COM SW: TCPIP Unrestricted            1
       A 99-TSA        COM SW: SNMP Agent                    1
 2   A 4400-SL2      DRIVER: 4MM Tape                        2        295          590
 3   A 5l00-SL2      DRIVER: O-R Tape                        1      1,030        1,030
 4   A 9100-SL2      DRIVER: SCSI-2 Disk                     2        585        1,170
 5   APL 30-DCS      COM SW: Data Communication              1      7,000        7,000
       A 99-DCS        COM SW: Data Communication            1
 6   APL 30-BYC      COM SW: Bisync Protocol                 1      2,430        2,430
       A 99-BYC        COM SW: Bisync Protocol               1
 7   A 9100-SLI      DRIVER: SC5I-1 Disk                     7        400        2,800
 8   APL 30-CSS      COM SW: A Series SNAV2                  1      * 185        * 185
       A 99-NSS        COM SW: Network Srvc II               1
       A 99-NAU        COM SW: Network Admin                 1
       A 99-CPC        COM SW: CP 2000 Configrtr             1
       A 99-CPD        0/S: CPDLP Oper Sys                   1
                                                                              --------
                     TOTAL SOFTWARE:                                           $63,703
                     GRAND TOTAL:                                             $304,623
<FN>
*  Monthly License Charge
</FN>
</TABLE>