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LEASE AGREEMENT


        This Lease (Lease) dated as of March 1, 1997, is entered  between RAJ K.
SHARMA (LANDLORD) and FEATHER RIVER STATE BANK (TENANT).

Section 1. Premises.

Landlord leases to Tenant and Tenant leases from Landlord the partially
improved land situated at the northeast corner of Highway 65 and Second Street
in the City of Wheatland, California (also referred to as 114 "D" Street,
Wheatland, California).

Section 2. Term.

The term of this Lease is for six (6) months (Term), commencing on March 6,
1997, and ending on August 31, 1997. Tenant shall have the option to renew this
Lease for six (6) additional one (1) month terms, on the same terms and
conditions.

Section 3. Rental Terms.

(a)     The minimum monthly rent shall be Eleven hundred ($1100) (Rent) per
month, payable in advance to Landlord, on or before the first of the month
commencing on March 1, 1997, at the address of Landlord stated in this Lease or
at another location Landlord may designate.

(b)     Utilities as additional rent. Tenant agrees to pay, as additional rent,
electric and any gas utilities for the Premises.  Landlord shall provide Tenant
with a copy of the utility bill for any period during the Lease Term and Tenant
shall promptly pay the utility bill for the the Premises upon receipt. Water
and sewer shall be the responsibility of Landlord. Telephone service, waste
disposal, and any other utilities used by the Tenant at the Leased Premises
shall be the responsibility of Tenant.

Section 4. Use.

        The Premises are to be used for a temporary bank office and parking
and no part of the Premises shall be used for any different purpose. Tenant
shall not do or permit any act to be done that will increase the existing
rate or cause cancellation of insurance on the Premises or will cause a
substantial increase in utility services normally supplied to the Premises.
Tenant shall comply with all statutes, ordinances, regulations, and other
requirements of all governmental entities that pertain to the occupancy or
use of the Premises, and with all rules and regulations that are adopted by
Landlord for the safety, care, and cleanliness of the Premises and the
preservation of good order on the Premises. There rules and regulations are
expressly made a part of this Lease.

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                This Lease between Stonewood Office Plaza a Co Tenancy
("Landlord"), and Feather River State Bank a corporation, ("Tenant"), is
dated  9/18/97, 19___.

1.      LEASE OF PREMISES.

In consideration of the Rent (as defined at Section 5.4) and the provisions
of this Lease, Landlord Leases to Tenant and Tenant leases from Landlord the
Premises shown by diagonal lines on the floor plan attached hereto as Exhibit
"A," and further described at Section 2I.  The Premises are located within
the Building and Project described in Section 2m. Tenant shall have the
non-exclusive right (unless otherwise provided herein) in common with
Landlord, other tenants, subtenants and invitees, to use of the Common Areas
(as defined at Section 2e).

2.      DEFINITIONS

As used in this Lease, the following terms shall have the  following meanings:

a.      Base Rent (initial) $13,365.00 per year.

b.      Base Year: The Calendar year of 1997.

c.      Broker(s)
                Landlord's: n/a
                Tenant's: n/a


d.      Commencement Date: 10/1/97

e.      Common Areas: the building lobbies, common corridors and hallways,
restrooms, garage and parking areas, stairways, elevators and other generally
understood public or common areas.  Landlord shall have the right to regulate
or restrict the use of the Common Areas.

f.      Expense Stop: (fill in if applicable): $ n/a

g.      Expiration Date: 9/30/99, unless otherwise sooner terminated in
accordance with the provisions of this Lease.

h.      Index (Section 5.2): United States Department of Labor, Bureau of Labor
Statistics Consumer Price Index for All Urban Consumers, n/a Average, Subgroup
"All Items" (1967=100).

i.      Landlord's Mailing Address:     Anderson and Associates
                                        7777 Greenback Lane #107
                                        Citrus Heights, Ca. 95610

        Tenant's Mailing Address:       PO Box 929002
                                        Yuba City, Ca.  95992

j.      Monthly Installments of Base Rent (initial):  $1,113.75 per month.

k.      Parking:

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         2 reserved stalls #55 & 56


l.      Premises: that portion of the Building containing  approximately 825
square feet of Rentable Area, shown by diagonal lines on Exhibit "A," located on
the first floor of the Building and known as Suite 111.

m.      Project: the building of which the Premises are a part (the "Building")
and any other buildings or improvements on the real property (the "Property")
located at 6929 Sunrise Blvd., Citrus Heights, Ca. 95610.