Exhibit 10.3  [LOGO]  INFORMATION TECHNOLOGY INC. PRODUCT LICENSE AGREEMENT  Agreement made between Information Technology, Inc. (the Vendor), and
the Customer identified below.  I.LICENSED
PRODUCT  1.1 
LICENSE. 
Vendor grants to Customer and Customer accepts from Vendor a
nonexclusive and nontransferable license to use the products identified in
Appendix A (the Product) under the terms set forth in this agreement.  The license herein granted shall commence upon
the date of delivery of the Product and shall remain in effect for so long as
Vendors warranties set forth in Article V remain in effect.  1.2 
PROPRIETARY NATURE OF PRODUCT AND TITLE.  The Product and any operations manuals,
instructions, and other documents or written materials provided to Customer as
instruction in the use of the Product (the Documentation) are acknowledged by
Customer to be and contain Vendors proprietary information and trade secrets,
whether or not any portion thereof is or may be validly copyrighted or
patented, acknowledged to be protected by civil and criminal law, and
acknowledged to be of great value to Vendor. 
Except as specifically licensed under this agreement, title and all
ownership rights to the Product and the Documentation remain with Vendor.  Customer shall retain or affix such
evidences of ownership and proprietary notices as Vendor may reasonably
request.  This paragraph shall survive
the term or termination of this agreement.  1.3 
USE OF PRODUCT.  The Product may be used only for, by and on behalf of Customer
and only in connection with Customers business operations.  This license is granted only for use at the
single location identified in Appendix A, and upon a single computer system
(CPU) as identified in Appendix A and may not be used upon any other computer
or at any other location except as provided under Paragraph 1.4.  1.4 
BACKUP AND EMERGENCY USE.  In the event Customer is unable to use the
Product at the location identified in Appendix A due to an emergency, or to
test emergency procedures, Vendor grants to Customer the right to use the
Product at a location other than the location defined in Appendix A.  Any such use shall be subject to all other
restrictions of this agreement and shall continue only so long as the condition
giving rise to such use continues. 
Prior to commencing such use, if possible, and in any event within
forty-eight (48) hours of such use, Customer shall give Vendor written notice
of the circumstance, location and the expected length of such use.  Failure to give notice shall nullity
Customers right of emergency use, as herein granted.  1.5 
ASSIGNMENT. 
Customer rights under this agreement and in and to the Product may not
be assigned, licensed, sublicensed, pledged, or otherwise transferred
voluntarily, by operation of law or otherwise without Vendors prior written
consent, and any such prohibited assignment shall be null and void.  II.CONSIDERATION  2.1 
LICENSE FEE. 
In consideration of the license of the Product granted under this
agreement, Customer shall pay to Vendor the license fee specified in Appendix
A.  Such license fee does not include,
except as expressly provided in this agreement or Appendix A hereto,
installation or maintenance of the Product, data base conversion, media,
transportation charges, or taxes, all of which costs and taxes shall be the
obligation of Customer.  2.2 
MANNER OF PAYMENT.  The license fee listed in Appendix A shall be payable in the
following manner:  (A) A
percentage of the license fee, as specified in Appendix A, upon execution of
this license agreement by Customer.  (B) The
balance, including any applicable taxes, upon delivery of the Product by Vendor
to Customer.  Invoices respecting the license
fee shall be rendered in accordance with the above payment schedule and are
payable to Vendor at Vendors address set forth below within ten (10) days of
receipt.  2.3 
TAXES. 
In addition to the license fee payable hereunder, Customer shall pay all
taxes (including, without limitation, sales, use, privilege, ad valorem or
excise taxes) and customs duties paid or now or hereafter payable, however
designated, levied or based on amounts payable to Vendor hereunder or on
Customers use or possession of the Product under this agreement, or upon the
presence of the Product at the location identified in Appendix A, but exclusive
of federal, state and local taxes based on Vendors net income.  Customer shall not deduct from payments to
Vendor any amounts paid or payable to third parties for customs duties or
taxes, however designated.  2.4 
CURRENCY. 
The purchase price and any other charges arising under this agreement
shall be invoiced and be payable in U.S. Dollars.  2.5 
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.  2.6 
SECURITY. 
Vendor reserves and Customer grants to Vendor a security interest in the
rights of Customer for the use of the Product and in the Documentation as
security for the performance by Customer of its obligations hereunder
including, but not limited to, payment of the license fee set forth in Appendix
A.  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.  III.DELIVERY,
TRAINING AND OPERATION  3.1 
DELIVERY. 
Vendor shall deliver the Product and Customer shall accept delivery of
the Product at Customers address set forth below.  Unless delayed, as hereinafter provided for, delivery shall be
completed within one (1) year of the date accepted by Vendor.  3.2 
DELIVERY DELAYS.  In the event Customer requests delay of delivery, Vendor shall
not obligated to effect delivery of the Product except upon thirty (30) days
written notice by Customer to Vendor. 
If delay in delivery is due to any cause beyond the control of Vendor,
the date upon which delivery is to be completed shall be extended by the number
of days of such delay.  3.3 
TRAINING. Classes in the operation of the Product are available at the
offices to Vendor on a regularly scheduled basis at Vendors normal rates with
respect thereto.  All travel, meal and
lodging expenses of Customer in connection with such training shall be borne by
Customer.  On-site training or
assistance will be available solely at Vendors discretion and will be charged
to Customer at Vendors normal rates together with reasonable expenses for
travel, meals, lodging and local transportation.  3.4 
ASSISTANCE BY CUSTOMER.  Customer shall provide reasonable assistance
and cooperation to Vendor in preparation of the Product and the delivery or
installation thereof.  Such assistance
and cooperation shall include, as appropriate, reasonable access to Customers
facility and to Customers records, as necessary.  3.5 
DOCUMENTATION. 
Operations manuals in respect to the Product will be delivered to
Customer prior to or contemporaneously with the delivery of the Product.  3.6 
RISK OF LOSS. 
If the Product or the Documentation is lost or damaged, in whole or in
part, during shipment, Vendor will replace said Product or Documentation at no
additional charge to Customer.  Upon
delivery in good condition of the Product and the Documentation, Customer shall
be responsible therefor and bear the risk of loss for said Product and
Documentation.  1 
   3.7.INSTALLATION ASSISTANCEVendor may, at its
sole discretion, assist Customer in any required installation of the Product at
Vendors normal charges for such assistance, Expenses, including but not
limited to computer time, travel, meals, lodging and local transportation
incurred in connection therewith, shall be borne by Customer.  In no event shall Vendor be liable to
Customer for loss of profits, consequential, incidental, indirect or special
damages arising from Vendors efforts to assist in such installation. Vendor
agrees to treat Customers confidential business with the same security as it
would its own.  3.8.OPERATION. 
Customer acknowledges and agrees that it is exclusively responsible for
the operation, supervision, man- agreement and control of the Product,
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 Product or any associated
equipment.  3.9 CUSTOMER OBLIGATIONS.  In order to maintain the continuing
integrity and proper operation of the Product, Customer agrees to implement, in
the manner instructed by Vendor, each error correction and each enhancement and
improvement provided to Customer by Vendor. Customers failure to do so shall
relieve Vendor or any responsibility or liability whatsoever for any failure or
malfunction of the Product as modified by a subsequent correction or
improvement, but in no such event shall Customer be relieved of the
responsibility for payment of fees and charges otherwise properly invoiced
during the term hereof.  If requested by
Vendor, Customer agrees to provide written documentation and details to Vendor
to substantiate problems and to assist Vendor in the identification and
detection of problems, errors and malfunctions; and Customer agrees that Vendor
shall have no obligation or liability for said problems until it has received
such documentation and details from Customer.  IV.
VENDORS PROPRIETARY RIGHTS  4.1.NON-DISCLOSURE.  Customer shall take all reasonable steps necessary to ensure that
neither the Product nor the Documentation, nor any portion thereof, on magnetic
tape or disk or in any other form, is made available or disclosed by Customer
or any of its agents or employees to any other person, firm or corporation.
Customer may disclose relevant aspects of the Product and Documentation to its
employees and agents to the extent such disclosure is reasonably necessary to
Customers use of the Product, provided, however, Customer agrees that it will
cause all persons permitted such access to the Product and the Documentation to
observe and perform the foregoing non-disclosure covenant, and that it will
advise Vendor of the procedures employed for this purpose.  Customer shall hold Vendor harmless against
any loss, cost, expense, claim or liability, including reasonable attorneys
fees, resulting from Customers breach of this non-disclosure obligation. This
paragraph shall survive the term or termination of this agreement.  4.2 COPIES. 
Customer agrees that while the Product and the Documentation are in its
custody and possession, it will not (a) copy or duplicate or permit anyone else
to copy or duplicate any of the Product, Documentation or information furnished
by Vendor, or (b) create or attempt to create, or permit others to create or
attempt to create, by reverse engineering or otherwise, the Product, the
Documentation or other information made available under this agreement or
otherwise, (whether oral, written, tangible or intangible).  Notwithstanding the foregoing, Customer may
make land retain two (2) copies of the Product, including all enhancements and
changes hereto, only for use in emergencies or to test emergency procedures
land may copy for its own use and at its own expense the Documentation, but
shall advise Vendor of the specific item copied, the number of copies made and
their distribution.  The original and
any copies in whole or in part of the Product or Documentation which are made
pursuant to this provision shall be the exclusive property of Vendor and shall
be fully subject to the provisions of this agreement. Customer agrees to retain
or place Vendors proprietary notice on any copies or partial copies made
pursuant to this provision.  4.3 UNAUTHORIZED ACTS.  Customer agrees to notify Vendor immediately
of the unauthorized possession, use, or knowledge of the Product. Documentation
or any information made available to Customer pursuant to this agreement, by
any person or organization not authorized by this agreement to have such
possession, use or knowledge.  Customer
will, thereafter, fully cooperate with Vendor in the protection and redress of
Vendors proprietary rights.  Customers
compliance with this paragraph shall not, however, be construed in any way as a
waiver of Vendors rights against Customer for Customers negligent or
intentional harm to Vendors proprietary rights, or for breach of Vendors
contractual rights.  4.4.INSPECTION.  To assist Vendor in the protection of its proprietary rights,
Customer shall permit representatives of Vendor to inspect the Product and
Documentation and their use, including inspection of any location in which they
are being used or kept at all reasonable times.  4.5.INJUNCTIVE RELIEF.  If Customer attempts to use, copy, license,
sublicense, sell or otherwise convey or to disclose the Product or
Documentation, in any manner contrary to the terms of this agreement or in
derogation of Vendors proprietary rights, whether such rights are explicitly
herein stated, determined by law or otherwise, Vendor shall have, in addition
to any other remedies available to it, the right to injunctive relief enjoining
such actions, Customer hereby acknowledging that other remedies are inadequate.  V.
MAINTENANCE, ENHANCEMENTS AND WARRANTIES  5.1.PRODUCT WARRANTY.  Vendor warrants that at delivery, the Product will perform in
accordance with the then current Documentation provided customer, and further
warrants that it has the right to authorize the use of the Product under this
agreement. Vendors obligation and liability under this paragraph shall,
however, be limited to the replacement and correction of the Product so that it
will so perform, or to obtaining any authorization necessary to make effective
the grant of license to Customer of the use of the Product.  5.2.PATENT INFRINGEMENTS. Vendor shall hold
harmless and defend Customer from any claim or any suit based on any claim that
the use of the Product by Customer under this agreement infringes on any
patent, copyright, trademark, or other proprietary right of any third party,
provided that Customer gives Vendor prompt and written notice of any such claim
or suit and permits Vendor to control the defense thereof.  5.3.WARRANTY DISCLAIMER.  THE FOREGOING WARRANTIES ARE IN LIEU OF ALL
OTHER WARRANTIES AND NO OTHER WARRANTY IS EXPRESSED OR IMPLIED, INCLUDING, BUT
NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY LAND FITNESS FOR A
PARTICULAR PURPOSE.  5.4.RENEWAL OF WARRANTIES.  Unless sooner terminated pursuant to the
provisions of paragraph 5.6, the warranties granted by paragraphs 5.1 and 5.2
(subject, however, to all limitations and disclaimers contained within this
agreement) and the right to any enhancements or corrections developed by Vendor
under paragraph 5.5, shall be subject to extension for successive one-year
warranty periods commencing on the date of the delivery of the Product.  Each one year extension (the Warranty
Period) shall be deemed to automatically occur unless notice is given by
either Customer or Vendor of an election not to so extend, such notice to be
given on or prior to the sixtieth (60th) day preceding the Warranty Period. Any
such extension shall in no event be effective unless Customer shall have paid
to Vendor on or prior to the beginning of the Warranty Period its then current
annual maintenance fee.  5.5.ENHANCEMENTS AND CHANGES.  Vendor shall provide Customer with all
enhancements and changes to the Product designed or developed by Vendor and
released to its other customers during the Warranty Period.  Any change or enhancement to the Product,
whether developed or designed by Vendor or by Customer shall be and remain the
property of Vendor, provided, however, that Customer shall be entitled to a
perpetual license without additional license fee of any enhancements or
corrections developed by Customer. 
Vendor reserves the right to make changes in operating procedures,
program language, file structures, access techniques, general purpose programs,
data storage requirements, input and output formats, report formats, types of
hardware supported, throughout, and other related programming and  2 
   documentation improvements required
to maintain the Product current. As
part of these services, Vendor will provide Customer the changes with
written instructions concerning implementation.  It is understood and agreed that Vendor provision of
improvements and enhancements under this paragraph does not include
providing to Customer new product which may result from rewriting the
Product.  Vendor alone shall determine whether the work product of
Vendor constitutes new product as a result of a complete rewrite (which
is not provided to Customer hereunder) or an improvement
or enhancement of the Product (which will be provided to Customer).  5.6TERMINATION OF WARRANTIES.  The
warranties expressed in paragraphs 5.1 and 5.2 and Customers rights
under paragraph 5.5 shall immediately terminate if the Product is
revised, changed, enhanced, modified or maintained by any one other
than Vendor without the prior specific direction or written approval
of Vendor.  5.7.LIMITATION OF LIABILITY. 
Customer expressly agrees that Vendors responsibilities in
the event of its breach of the warranties contained in paragraphs 5.1 and 5.2
are as set forth in said paragraphs. 
Vendors liability for damages, including but not limited to
liability for patent or copyright infringement, regardless of the form of action,
shall not exceed the license fee set forth in Appendix A to this agreement
and shall arise only if the remedies provided in paragraphs 5.1 and 5.2
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, except a claim for patent or copyright infringement as provided herein.  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 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.  No action by Vendor for
wrongful disclosure or use of the Product or Documentation shall be
deemed to have accrued until Vendor receives actual notice of such
wrongful disclosure or use. THE
CUSTOMERS REMEDIES SET FORTH IN THIS AGREEMENT ARE EXCLUSIVE.  VI.DEFAULT  6.1TERMINATION.Vendor may terminate this agreement and
the license granted hereunder in the event of a default by Customer unless
Customer shall have cured the event of default, as hereinafter defined,
within twenty (20) days after notice of such event of default given by
Vendor to Customer.  This agreement
and the license granted hereunder shall automatically terminate ifVendors warranties are not renewed as
contemplated in paragraph 5.4 hereof. 
Upon any termination of this agreement, Customer shall deliver to Vendor the Product, the
Documentation and all copies thereof and shall warrant in writing that all
copies have been returned to Vendor or destroyed.  6.2EVENTS OF DEFAULT.  An event of default is definedas 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) Any attempt (i) to assign, sell,
mortgage, lease, sublease, license, sublicense or otherwise convey, (ii)
to grant any interest in,
right of use of, or access to, or (iii) to otherwise disclose the Product
or the Documentation, except, in any such case, as herein expressly
permitted or as consented to in writing by the Vendor; (C) Causing or permitting any encumbrance, of
any nature whatsoever to attach to Customers interest in the Product
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 or
conditions of this agreement.  6.3DAMAGES.  Upon the occurrence of an event
of default without cure within the period of time above-provided, all
license or other fees payable to
Vendor under this agreement shall without notice or demand by Vendor
become immediately due and payable as liquidated damages.  This provision for liquidated damages
shall not be regarded as a waiver by Vendor of any other rights to which
it may be entitled in the event of Customers default, but rather, suchremedy shall be an addition to any
other remedy lawfully available to Vendor.  VII.GENERAL 7.1.TITLES.  Titles and paragraph headings
are reference purposes only and are not to be considered a part of this
agreement.  7.2.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, acts of
war or intervention by any governmental authority, and each party shall take
steps to minimize any such delay.  7.3.WAIVER.  No waiver of any breach of any
provision of this agreement shall constitute a waiter 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.  7.4.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.  7.5NOTICES.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 by registered mail.  Any such
notice shall be deemed given on the date of deposit in the mail.  7.6ENTIRE 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 SERVICES OR
DOCUMENTATION 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.  7.7GOVERNING 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.  7.8CHOICE 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.  7.9ATTORNEY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.  7.10EFFECTIVE DATE.  This agreement shall be
effective on the date accepted and executed by an authorized representative of
Vendor.  3 
   CUSTOMER:
  
  
  VENDOR:FEATHER RIVER STATE BANK
  
  INFORMATION TECHNOLOGY, INC.Signature:
  Martha Cassi
  
  Signature:
  Michael K. YoungName:
  Martha Cassi
  
  Name:
  Michael K. YoungTitle:
  Vice President
  
  Title:
  Executive Vice PresidentAddress:
  1005 Stafford Way
  
  Address:
  1345 Old Cheney RoadYuba City, CA 95991
  
  
  Lincoln, NE 68512Date
  3-5-98
  
  Date Accepted:
  March 16, 1998   APPENDIX A  DUE UPON EXECUTION:
  
  30%
  
  LOCATION WHERE THE PRODUCT(S) WILL BE USEDCOMPUTER SYSTEM(CPU):
  
  NX4221-21 (A151)*under 48,000 accounts
  
  Feather River State Bank1227 Bridge Street, Ste. CYuba City, CA 95991  PRODUCT(S) AND LICENSE FEE(S):106-102
  
  DP1000/1800 Item Processing Module
  
  $
  8,012108-108
  
  DP1000/1800 Bulk Filing Module Interface
  
  3,723109-001
  
  DP1000/1800 Directed Fine Sort Module
  
  7,162SUBTOTAL:
  
  $
  18,897LESS: Prior System Credit
  
  (17,812
  )TOTAL:
  
  $
  1,085  
 *
Accounts being defined as the total of all accounts (open or closed) for demand
deposit, demand deposit loan, savings, time savings, IRA, certificate of
deposit, and loan accounts, whether processed or not by Customer, for the
institutions being serviced by Vendors software listed in Appendix A.  4