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/ Philip L. Griffin            Signature: /s/ Michael K. Young
           -------------------------------             -------------------------

Name:      Philip L. Griffin                Name:      Michael K. Young
      ------------------------------------        ------------------------------

              Vice President/
Title:     Information Services             Title:     Vice President
       -----------------------------------           ---------------------------


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

Date:      March 22, 1995                   Date Accepted: 6-29-95
         ---------------------------------                 ---------------------

<PAGE>




                                   APPENDIX A

                               EQUIPMENT AND TERMS


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

                               Unisys Corporation

2. PURCHASE PRICE:  The purchase price for the Equipment is $97,269.  0% 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:



HARDWARE:


                                                                UNIT    TOTAL
 QTY   STYLE            DESCRIPTION                            PRICE    PRICE
 ------------------------------------------------------------------------------
  1   X601-ICP         HLCN ICP Control                    $  6,000   $  6,000
  2   CWD 4661210-DL   (10 Units) Diskless 486 66 Mhz         7,727     15,454
                       System with DOS/Windows
  8   CWD 4661201-DL   Diskless 486 66 Mhz System               839      6,712
                       with DOS/Windows
 28   2102013460       10" Color SVGA Monitor                   649     18,172
  2   CWD 4010-PAK     (10 Units) Package Accessory Kit:        750      1,500
                                Keyboard
                                Mouse
                                Documentation
  8   CWD 4001-PAK     Accessory Kit:                            75        600
                                Keyboard
                                Mouse
                                Documentation
 28   EF 4272          Validation & Receipt Printer           1,100     30,800
  5   EF 4600          Multifunction Document Printer         2,725     13,625
 28   15-1196-102      EF 4272 Printer Cable 10'                 52      1,456
  5   3964-7292        FP 10 x P2 Serial Cable                   45        225
 10   TD 442303        Logitech DEXXA32 Scanner                 102      1,020


SOFTWARE:

  1   HL 128-HLC       HLCN Software 128 User                 8,000      8,000
                                                                      --------
                                                 TOTAL:               $103,564

                                                 LESS: Discount:        (6,296)
                                                                        ------

                                                 TOTAL with Discount:  $97,269