EXHIBIT 10.9
                             THIRD AMENDMENT TO THE
                                SERVICE 1ST BANK
                          SALARY CONTINUATION AGREEMENT
                            DATED SEPTEMBER 10, 2003
                               FOR PATRICK CARMAN
                               ------------------

This Third Amendment (Amendment) to the Salary Continuation Agreement between
Service 1st Bank located in Stockton, California (referenced herein as Company
and Bank) and Patrick Carman (Executive) is adopted effective as of August 21,
2008, as set forth below.

The Bank and the Executive executed the Salary Continuation Agreement on
September 10, 2003 (Agreement).

The undersigned hereby amends, in part, said Agreement for the purpose of: (i)
removing the requirement of termination of employment as a condition to becoming
eligible to receive the Normal Retirement Benefit upon a Change in Control; (ii)
modifying article 2.5 to provide that if all or any portion of the amounts
payable to Executive pursuant to this agreement, taken together with any other
payments from Bank to the executive, constitutes an "excess parachute payment"
within the meaning of section 280G of the Internal Revenue Code, as amended
(Code), that such amounts shall be reduced by first applying the reduction to
this agreement; and (iii) complying with section 409A of the Code. Therefore,
the following changes shall be made

1.       Article 1.4 of the Agreement shall be deleted in its entirety and
         replaced by article 1.4, below.

         1.4      "Change in Control" means the occurrence of any of the
                  following events with respect to the Bank:

         A.       Change In Ownership Of The Company.
`                 ----------------------------------

                  Any one person, or more than one person acting as a group,
                  acquires ownership of stock of the Company that, together with
                  stock held by such person or group, constitutes more than
                  fifty percent (50%) of the total fair market value or total
                  voting power of the stock of the Company; provided, however:

                  1.       If any one person, or more than one person acting as
                           a group, is considered to own more than fifty percent
                           (50%) of the total fair market value or total voting
                           power of the stock of the Company, the acquisition of
                           additional stock by the same person or persons shall
                           not be a "Change In Control" under this Change In
                           Ownership Of The Company subsection.

                                      -1-
<PAGE>

                  2.       If any one person, or more than one person acting as
                           a group, is considered to own more than thirty
                           percent (30%) of the total voting power of the stock
                           of the Company, the acquisition of additional stock
                           by the same person or persons shall not be a "Change
                           In Control" under this Change In Ownership Of The
                           Company subsection.

                  3.       An increase in the percentage of stock of the Company
                           owned by any one person, or persons acting as a
                           group, as a result of a transaction in which the
                           Company acquires its stock in exchange for property
                           will be treated as an acquisition of stock for
                           purposes of this Change In Ownership Of The Company
                           subsection.

                  4.       This Change In Ownership Of The Company subsection
                           applies only when there is a transfer of stock of the
                           Company (or issuance of stock of the Company) and
                           stock in the Company remains outstanding after the
                           transaction.

                  5.       Persons will not be considered to be acting as a
                           group solely because they purchase or own stock of
                           the Company at the same time or as a result of the
                           same public offering. However, persons will be
                           considered to be acting as a group if they are owners
                           of a corporation that enters into a merger,
                           consolidation, purchase or acquisition of stock, or
                           similar business transaction with the Company. If a
                           person, including an entity, owns stock in both
                           corporations that enter into a merger, consolidation,
                           purchase or acquisition of stock, or similar
                           transaction, such shareholder is considered to be
                           acting as a group with other shareholders in a
                           corporation prior to the transaction giving rise to
                           the change and not with respect to the ownership
                           interest in the other corporation.

                  6.       Code section 318(a), as modified by the lawful
                           guidance published by the Treasury Department or the
                           Internal Revenue Service pursuant to Code section
                           409A, shall apply for purposes of determining stock
                           ownership under this Change In Ownership Of The
                           Company subsection.

                                      -2-
<PAGE>

         B.       Change In Effective Control - Ownership.
`                 ---------------------------------------

                  Any one person, or more than one person acting as a group,
                  acquires (or has acquired during the twelve (12) month period
                  ending on the date of the most recent acquisition by such
                  person or persons) ownership of stock of the Company
                  possessing thirty percent (30%) or more of the total voting
                  power of the stock of the Company; provided, however:

                  1.       If any one person, or more than one person acting as
                           a group, is considered to own more than fifty percent
                           (50%) of the total fair market value or total voting
                           power of the stock of the Company, the acquisition of
                           additional stock by the same person or persons is not
                           considered a "Change In Control" under this Change In
                           Effective Control - Ownership subsection.

                  2.       If any one person, or more than one person acting as
                           a group, is considered to own more than thirty
                           percent (30%) of the total voting power of the stock
                           of the Company, the acquisition of additional stock
                           by the same person or persons shall not be a "Change
                           In Control" under this Change In Effective Control -
                           Ownership subsection.

                  3.       Persons will not be considered to be acting as a
                           group solely because they purchase or own stock of
                           the Company at the same time or as a result of the
                           same public offering. However, persons will be
                           considered to be acting as a group if they are owners
                           of a corporation that enters into a merger,
                           consolidation, purchase or acquisition of stock, or
                           similar business transaction with the Company. If a
                           person, including an entity, owns stock in both
                           corporations that enter into a merger, consolidation,
                           purchase or acquisition of stock, or similar
                           transaction, such shareholder is considered to be
                           acting as a group with other shareholders in a
                           corporation prior to the transaction giving rise to
                           the change and not with respect to the ownership
                           interest in the other corporation.

                  4.       Code section 318(a), as modified by the lawful
                           guidance published by the Treasury Department or the
                           Internal Revenue Service pursuant to Code section
                           409A, shall apply for purposes of determining stock
                           ownership under this Change In Effective Control -
                           Ownership subsection.

                                      -3-
<PAGE>

         C.       Change In Effective Control - Board Members.
                  -------------------------------------------

                  A majority of members of the Company's board of directors is
                  replaced during any twelve (12) month period by directors
                  whose appointment or election is not endorsed by a majority of
                  the members of the Company's board of directors prior to the
                  date of the appointment or election.

         D.       Change In Ownership Of Substantial Portion Of Assets.
                  ----------------------------------------------------

                  Any one person, or more than one person acting as a group,
                  acquires (or has acquired during the twelve (12) month period
                  ending on the date of the most recent acquisition by such
                  person or persons) assets from the Company that have a total
                  gross fair market value equal to or more than forty percent
                  (40%) of the total gross fair market value of all of the
                  assets of the Company immediately prior to such acquisition or
                  acquisitions; provided, however:

                  1.       For this purpose, gross fair market value means the
                           value of the assets of the Company, or the value of
                           the assets being disposed of, determined without
                           regard to any liabilities associated with such
                           assets.

                  2.       There is no "Change In Control" under this Change In
                           Ownership Of Substantial Portion Of Assets subsection
                           where the assets are transferred to:

                           a.       A shareholder of the Company (immediately
                                    before the asset transfer) in exchange for
                                    or with respect to its stock;

                           b.       An entity, fifty percent (50%) or more of
                                    the total value or voting power of which is
                                    owned, directly or indirectly, by the
                                    Company;

                           c.       A person, or more than one person acting as
                                    a group, that owns, directly or indirectly,
                                    fifty percent (50%) or more of the total
                                    value or voting power of all the outstanding
                                    stock of the Company; or

                           d.       An entity, at least fifty percent (50%) of
                                    the total value or voting power of which is
                                    owned, directly or indirectly, by a person
                                    described in the preceding provision.

                                      -4-
<PAGE>

                  3.       A person's status is determined immediately after the
                           transfer of the assets.

                  4.       Persons will not be considered to be acting as a
                           group solely because they purchase or own stock of
                           the Company at the same time or as a result of the
                           same public offering. However, persons will be
                           considered to be acting as a group if they are owners
                           of a corporation that enters into a merger,
                           consolidation, purchase or acquisition of stock, or
                           similar business transaction with the Company. If a
                           person, including an entity, owns stock in both
                           corporations that enter into a merger, consolidation,
                           purchase or acquisition of stock, or similar
                           transaction, such shareholder is considered to be
                           acting as a group with other shareholders in a
                           corporation prior to the transaction giving rise to
                           the change and not with respect to the ownership
                           interest in the other corporation.

                  5.       Code section 318(a), as modified by the lawful
                           guidance published by the Treasury Department or the
                           Internal Revenue Service pursuant to Code section
                           409A, shall apply for purposes of determining stock
                           ownership under this Change In Ownership Of
                           Substantial Portion Of Assets subsection.

2.       Article 2.4 of the Agreement shall be deleted in its entirety and
         replaced by Article 2.4, below.

         2.4      Change of Control Benefit. Upon a Change of Control, the Bank
                  shall pay to the Executive the benefit described in this
                  Section 2.4 in lieu of any other benefit under this Article.

         2.4.1    Amount of Benefit. The annual Change of Control Benefit under
                  this Section 2.4 is the Normal Retirement Benefit amount set
                  forth in Section 2.1.

         2.4.2    Payment of Benefit. The Bank shall pay the annual Change of
                  Control benefit to the Executive in twelve (12) equal monthly
                  installments commencing on the first of the month following
                  Normal Retirement Age. The Change of Control Benefit shall be
                  paid to the Executive for fifteen (15) years.

                                      -5-
<PAGE>

3.       Article 2.5 of the Agreement shall be deleted in its entirety and
         replaced by article 2.5, below.

         2.5      Internal Revenue Code Section 280G. If all or any portion of
                  the amounts payable to the Executive pursuant to this
                  Agreement alone or together with other payments which the
                  Executive has the right to receive from the Bank, constitute
                  "excess parachute payments" within the meaning of Section 280G
                  of the Internal Revenue Code of 1986, as amended (the "Code"),
                  that are subject to the excise tax imposed by Section 4999 of
                  the Code (or similar tax and/or assessment), such amounts
                  payable hereunder shall be reduced so as to cause a reduction
                  of any excise tax pursuant to Section 4999 of the Code to
                  equal "zero". Such reduction shall be made first from amounts
                  payable hereunder to the extent necessary and then, if
                  necessary, from payments to be received from any other plan or
                  program sponsored by the Bank from which the Executive has a
                  right to receive payments subject to Sections 280G and 4999 of
                  the Code, including without limitation any employment
                  agreement made between the Bank and the Executive."

4.       A new article 2.6 shall be added to the Agreement as set forth, below.

         2.6      Delay Of Payment For Specified Employees. Notwithstanding any
                  provision of this Agreement to the contrary, if Executive is a
                  "specified employee," no distribution of severance pay under
                  this Agreement may be made, or may commence, before the date
                  which is 6 months after the date of Executive's "separation
                  from service" within the meaning of Code section
                  409A(a)(2)(A)(i). For purposes of this section, "specified
                  employee" shall mean an employee who at the time of Separation
                  from Service is a key employee of the Bank, if any stock of
                  the Bank is publicly traded on an established securities
                  market or otherwise. For purposes of this Agreement, an
                  employee is a key employee if the employee meets the
                  requirements of Code Section 416(i)(1)(A)(i), (ii), or (iii)
                  (applied in accordance with the regulations thereunder and
                  disregarding section 416(i)(5)) at any time during the twelve
                  (12) month period ending on December 31.

5.       A new article 2.7 shall be added to the Agreement as set forth, below.

         2.7      Benefits Payable Upon Death of Executive. In the event that
                  the Executive becomes eligible to receive or begins receiving
                  benefits under this Agreement and then dies before all
                  benefits have been paid, the balance of any benefits remaining
                  due shall be paid to the Executive's Beneficiary/ies at the
                  same time and in the same form as the benefits would have been
                  paid to the Executive. If benefits are paid to Executive
                  and/or Executive's Beneficiary/ies under this Agreement, then
                  no benefits shall be payable to Executive's Beneficiary/ies

                                      -6-
<PAGE>

                  under the Endorsement Split Dollar Insurance Agreement between
                  Executive and Bank. Likewise, if benefits become payable to
                  Executive's Beneficiary/ies under the Endorsement Split Dollar
                  Insurance Agreement upon the Executive's death, then no
                  benefits shall be paid under this Agreement.

6.       Article 6 of the Agreement shall be deleted in its entirety and
         replaced by article 6, below.

         This Agreement may be amended or terminated only by a written agreement
         signed by the Bank and the Executive. Provided, however, if the Bank's
         Board of Directors determines that the Executive is no longer a member
         of a select group of management or highly compensated employees, as
         that phrase applies to ERISA, for reasons other than death, Disability
         or retirement, the Bank may amend or terminate this Agreement in a
         manner consistent with Section 409A of the Code. Upon such amendment or
         termination the Bank shall no longer accrue any additional liability
         under this Agreement, and the Bank shall pay the Accrual Balance to the
         Executive lump sum within thirty (30) days following Executive's
         Termination of Employment. The preceding sentence shall not apply in
         the event that the Executive becomes entitled to receive the Normal
         Retirement Benefit as a result of a Change in Control. In that event,
         benefits shall be paid as provided in Section 2.4.2.

7.       The language of this Amendment shall supersede the provisions of the
         Plan to the extent the Plan is inconsistent with the provisions of this
         amendment. Except as amended above, the remaining provisions of the
         Plan shall remain in full force and effect.

                                      -7-
<PAGE>

IN WITNESS WHEREOF, the Bank and the Executive have caused this Amendment to be
executed on this 22nd day of August 2008.


                                       BANK
                                       ----

                                       SERVICE 1ST BANK

                                       By: /s/ Bryan Hyzdu
                                           -------------------------------------

                                       Title:  Director
                                               ---------------------------------


                                       EXECUTIVE
                                       ---------

                                       /s/ Patrick Carman
                                       -----------------------------------------
                                       Patrick Carman


                                      -8-