EXHIBIT 10.29

                              AMENDED AND RESTATED
                           TEMECULA VALLEY BANK, N.A.
                          SALARY CONTINUATION AGREEMENT


       THIS AGREEMENT is adopted this 30th day of September, 2004, by and
between the TEMECULA VALLEY BANK, N.A., a national banking association located
in Temecula, California (the "Company") and DONALD A. PITCHER (the "Executive"),
amending, restating and replacing the Amended and Restated Temecula Valley Bank,
N.A., Salary Continuation Agreement dated January 1, 2002 which previously
amended and restated the Temecula Valley Bank, N.A., Salary Continuation
Agreement dated January 1, 2000.

                                  INTRODUCTION

WITNESSETH:

     WHEREAS,  the  Executive  is in the employ of the  Company,  serving as its
Senior Vice President and Chief Financial Officer; and

      WHEREAS, the experience, knowledge of the affairs of the Company, and
reputation and contacts in the industry of the Executive are so valuable that
assurance of the Executive's continued service is essential for the future
growth and profits of the Company, and it is in the best interest of the Company
to arrange terms of continued employment for the Executive so as to reasonably
assure the Executive's remaining in the Company's employment during the
Executive's lifetime or until the age of retirement; and

      WHEREAS, it is the desire of the Company that the Executive's services be
retained as herein provided; and

      WHEREAS, the Executive is willing to continue in the employ of the Company
provided the Company agrees to pay to the Executive or the Executive's
beneficiaries certain benefits in accordance with the terms and conditions
hereinafter set forth.

      NOW, THEREFORE, in consideration of the services to be performed in the
future, as well as the mutual promises and covenants herein contained, it is
agreed as follows:

                                    Article 1
                                   Definitions

       Whenever used in this Agreement, the following words and phrases shall
have the meanings specified:

       1.1     "Change of Control" means

          (a)  A change in the  ownership  of the capital  stock of the Company,
               whereby another  corporation,  person, or group acting in concert
               (hereinafter  this  Agreement  shall  collectively  refer  to any
               combination of these three [another corporation, person, or group
               acting  in  concert]  as a  "Person")  as  described  in  Section
               14(d)(2) of the Securities  Exchange Act of 1934, as amended (the
               "Exchange  Act"),  acquires,  directly or indirectly,  beneficial
               ownership (within the meaning of Rule 13d-3 promulgated under the
               Exchange  Act) of a number  of  shares  of  capital  stock of the
               Company which  constitutes  twenty-five  percent (25%) or more of
               the  combined  voting  power of the  Company's  then  outstanding
               capital stock then entitled to vote  generally in the election of
               directors; or
<PAGE>

     (b) The persons who were  members of the Board of  Directors of the Company
immediately prior to a tender offer,  exchange offer,  contested election or any
combination  of the  foregoing,  cease to  constitute a majority of the Board of
Directors; or

     (c) The  adoption  by the Board of  Directors  of the  Company of a merger,
consolidation or reorganization  plan involving the Company in which the Company
is not the surviving entity, or a sale of all or substantially all of the assets
of the Company.  For purposes of this Agreement,  a sale of all or substantially
all of the assets of the Company shall be deemed to occur if any Person acquires
(or during the 12-month period ending on the date of the most recent acquisition
by such Person, has acquired) gross assets of the Company that have an aggregate
fair market value equal to twenty-five (25%) or more of the fair market value of
all of the  respective  gross  assets of the Company  immediately  prior to such
acquisition or acquisitions; or

     (d) A tender offer or exchange offer is made by any Person which results in
such Person  beneficially  owning (within the meaning of Rule 13d-3  promulgated
under  the  Exchange  Act)  either  twenty-five  (25%) or more of the  Company's
outstanding shares of Common Stock or shares of capital stock having twenty-five
(25%) or more  the  combined  voting  power of the  Company's  then  outstanding
capital stock (other than an offer made by the Company),  and sufficient  shares
are acquired  under the offer to cause such person to own  twenty-five  (25%) or
more of the voting power; or

     (e) Any other  transactions  or series of  related  transactions  occurring
which have substantially the same effect as the transactions specified in any of
the preceding clauses of this Section 1.1.

       Notwithstanding the above, certain transfers are permitted within Section
318 of the Code and such transfers shall not be deemed a Change of Control under
this Section 1.1.

       1.2    "Code" means the Internal Revenue Code of 1986, as amended.

       1.3 "Disability" means the Executive suffering a sickness, accident or
injury which has been determined by the carrier of any individual or group
disability insurance policy covering the Executive, or by the Social Security
Administration, to be a disability rendering the Executive totally and
permanently disabled. The Executive must submit proof to the Company of the
carrier's or Social Security Administration's determination upon the request of
the Company.

       1.4 "Early Termination" means the Termination of Employment before Normal
Retirement Age for reasons other than death, Disability, Termination for Cause
or following a Change of Control.

                                       1
<PAGE>

       1.5 "Early Termination Date" means the month, day and year in which Early
Termination occurs.

       1.6    "Effective Date" means January 1, 2004.

       1.7    "Normal Retirement Age" means the Executive's 65th birthday.

       1.8 "Normal Retirement Date" means the later of the Normal Retirement Age
or Termination of Employment.

       1.9 "Plan Year" means a twelve-month period commencing on January 1 and
ending on December 31 of each year. The initial Plan Year shall commence on the
effective date of this Agreement.

       1.10   "Termination for Cause" See Section 5.1.

       1.11 "Termination of Employment" means that the Executive ceases to be
employed by the Company for any reason whatsoever other than by reason of a
leave of absence, which is approved by the Company. For purposes of this
Agreement, if there is a dispute over the employment status of the Executive or
the date of the Executive's Termination of Employment, the Company shall have
the sole and absolute right to determine the termination date.

                                    Article 2
                                Lifetime Benefits

       2.1 Normal Retirement Benefit. Upon Termination of Employment on or after
the Normal Retirement Age for reasons other than death, the Company shall pay to
the Executive the benefit described in this Section 2.1 in lieu of any other
benefit under this Agreement.

     2.1.1  Amount of  Benefit.  The annual  benefit  under this  Section 2.1 is
$60,000  (Sixty  Thousand  Dollars).  The Board of Directors may in its sole and
absolute discretion  unilaterally  increase the annual benefit amount at the end
of each Plan  Year from the date of this  Agreement  to the  Executive's  Normal
Retirement  Date. If the Board of Directors  increase this annual benefit,  then
the  Schedule A attached  hereto  shall also be  recalculated  to  increase  the
benefits under Article 2 of this Agreement.

     2.1.2 Payment of Benefit.  The Company shall pay the annual  benefit to the
Executive  in 12 equal  monthly  installments  payable  on the first day of each
month commencing with the month following the Executive's Normal Retirement Age.
The Company shall pay this annual benefit to the Executive for 15 years.

     2.1.2.1  Lump Sum  Option.  At any time  after  installment  payments  have
commenced  under  Section  2.1.2 of this  Agreement,  Executive may petition the
Board or the Plan  Administrator  to receive  the  unpaid  balance of the Normal
Retirement  Benefit,  in lieu of installment  payments,  in a present value lump
sum. Such petition shall be submitted to the Board,  or the Plan  Administrator,
in  writing  not less  than 13 months  prior to the date on which the  Executive
wishes to receive the lump sum distribution.

                                       2
<PAGE>

     2.1.2.2  Payment of Lump Sum.  Subject to approval by the Board or the Plan
Administrator,  the Company  shall pay the lump sum to the  Executive  within 30
days after the  designated  payment date  requested by the  Executive,  less any
applicable taxes or withholding  required by state or federal law, and less a 7%
penalty  imposed by the Company  for the right to receive the Normal  Retirement
Benefit in a lump sum.

     2.1.2.3  Calculation  of Lump  Sum  Payment.  Calculation  of any  lump sum
payable  under this  Section  2.1.2.1  shall be the present  value of the Normal
Retirement Benefit based upon 15 years of monthly  installment  payments,  which
are to be calculated  commencing with the date of the first payment  received by
the Executive  under Section 2.1 of this  Agreement,  less any monthly  payments
already received by the Executive under Section 2.1 of this Agreement.

              2.1.3 Benefit Increases. Commencing on the first anniversary of
      the first benefit payment, and continuing on each subsequent anniversary,
      the Company's Board of Directors, in its sole discretion, may increase the
      benefit.

     2.2 Early Termination  Benefit.  Upon Early Termination,  the Company shall
pay to the  Executive  the benefit  described in this Section 2.2 in lieu of any
other benefit under this Agreement.

     2.2.1  Amount of Benefit.  The benefit  under this Section 2.2 is the Early
Termination  amount set forth in Schedule A for the Plan Year ending immediately
prior to the Early Termination Date, except, however, the Executive shall not be
entitled to any benefit if he voluntarily terminates his employment prior to the
end of the fifth Plan Year. Any increase in the annual benefit under Section 2.1
shall require the recalculation of this benefit as set forth in Schedule A.

     2.2.2 Payment of Benefit.  The Company shall pay the annual  benefit to the
Executive  in 12 equal  monthly  installments  payable  on the first day of each
month  commencing  with the month following the  Executive's  Normal  Retirement
Date. The Company shall pay this annual benefit to the Executive for 15 years.

     2.3  Disability  Benefit.  If the Executive  terminates  employment  due to
Disability  prior  to  Normal  Retirement  Age,  the  Company  shall  pay to the
Executive the benefit described in this Section 2.3 in lieu of any other benefit
under this Agreement.

     2.3.1  Amount  of  Benefit.  The  benefit  under  this  Section  2.3 is the
Disability  amount set forth in Schedule A for the Plan Year ending  immediately
prior to the date in which the Termination of Employment occurs. Any increase in
the annual  benefit under Section 2.1 shall  require the  recalculation  of this
benefit amount as set forth in Schedule A.

     2.3.2 Payment of Benefit.  The Company shall pay the annual  benefit to the
Executive  in 12 equal  monthly  installments  payable  on the first day of each
month commencing with the month following Termination of Employment. The Company
shall pay this annual benefit to the Executive for 15 years.

                                       3
<PAGE>

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

     2.4.1 Amount of Benefit.  The benefit  under this Section 2.4 is the Change
of Control Lump Sum set forth in Schedule A for the Plan Year ending immediately
prior to the date in which  Termination  of  Employment  occurs,  determined  by
vesting the  Executive  one hundred  percent  (100%) in the present value of the
stream of payments of the Normal  Retirement  Benefit  described in Section 2.1.
Any  increase  in the  annual  benefit  under  Section  2.1  shall  require  the
recalculation of this benefit as set forth in Schedule A.

     2.4.2  Payment  of  Benefit.  The  company  shall  pay the  benefit  to the
Executive in a lump sum within 60 days of a Change of Control.

     2.4.3 How Change of Control Benefit  Determined.  In determining the Change
of Control  benefit under this Section 2.4,  Executive  shall receive a lump sum
payment which is  calculated  to be the present  value of the Normal  Retirement
Benefit  based upon 15 years of monthly  installment  payments,  which are to be
calculated commencing with Executive's Normal Retirement Age and ending 15 years
later.

                                    Article 3
                                 Death Benefits

      The Company shall not pay a death benefit under this Agreement. A death
benefit may be provided according to the terms of a separate Split Dollar
Agreement entered into by the Company and the Executive.

                                    Article 4
                                  Beneficiaries

       4.1 Beneficiary Designations. The Executive shall designate a beneficiary
by filing a written designation with the Company. The Executive may revoke or
modify the designation at any time by filing a new designation. However,
designations will only be effective if signed by the Executive and received by
the Company during the Executive's lifetime. The Executive's beneficiary
designation shall be deemed automatically revoked if the beneficiary predeceases
the Executive, or if the Executive names a spouse as beneficiary and the
marriage is subsequently dissolved. If the Executive dies without a valid
beneficiary designation, all payments shall be made to the Executive's estate.

       4.2 Facility of Payment. If a benefit is payable to a minor, to a person
declared incompetent, or to a person incapable of handling the disposition of
his or her property, the Company may pay such benefit to the guardian, legal
representative or person having the care or custody of such minor, incompetent
person or incapable person. The Company may require proof of incapacity,
minority or guardianship as it may deem appropriate prior to distribution of the
benefit. Such distribution shall completely discharge the Company from all
liability with respect to such benefit.

                                       4
<PAGE>

                                    Article 5
                               General Limitations

       5.1 Termination for Cause. Notwithstanding any provision of this
Agreement to the contrary, the Company shall not pay any benefit under this
Agreement if the Company terminates the Executive's employment for:

     (a) any act of embezzlement, fraud, breach of fiduciary duty or dishonesty;

     (b)  deliberate or repeated  disregard of the policies and rules of Company
as adopted by Company's Board of Directors;

     (c)  unauthorized  use  or  disclosure  of  any of  the  trade  secrets  or
confidential information of Company;

     (d) competition with Company,  inducement of any customer of the Company to
breach a contract with the Company,  or inducement of any principal for whom the
Company acts as agent to terminate such agency relationship;

     (e) gross negligence adversely impacting the Company; or

     (f) willful breach of this Agreement or any other willful misconduct.

       5.2 Competition After Termination of Employment. No benefits shall be
payable if the Executive, without the prior written consent of the Company,
engages in, becomes interested in, directly or indirectly, as a sole proprietor,
as a partner in a partnership, or as a substantial shareholder in a corporation,
or becomes associated with, in the capacity of employee, director, officer,
principal, agent, trustee or in any other capacity whatsoever, any enterprise
conducted in the trading area (a 50 mile radius) of the business of the Company
within 2 years of Termination of Employment, which enterprise is, or may deemed
to be, competitive with any business carried on by the Company as of the date of
termination of the Executive's employment or his retirement. This section shall
not apply following a Change of Control.

       5.3 Suicide or Misstatement. No benefits shall be payable if the
Executive commits suicide within two years after the date of this Agreement, or
if the Executive has made any material misstatement of fact on any application
for life insurance purchased by the Company.

                                    Article 6
                          Claims and Review Procedures

       6.1 Claims Procedure. Any person or entity who has not received benefits
under the Plan that he or she believes should be paid ("claimant") shall make a
claim for such benefits as follows:

              6.1.1 Initiation - Written Claim. The claimant initiates a claim
       by submitting to the Company a written claim for the benefits.

                                       5
<PAGE>

              6.1.2 Timing of Company Response. The Company shall respond to
       such claimant within 90 days after receiving the claim. If the Company
       determines that special circumstances require additional time for
       processing the claim, the Company can extend the response period by an
       additional 90 days by notifying the claimant in writing, prior to the end
       of the initial 90-day period, that an additional period is required. The
       notice of extension must set forth the special circumstances and the date
       by which the Company expects to render its decision.

              6.1.3 Notice of Decision. If the Company denies part or all of the
       claim, the Company shall notify the claimant in writing of such denial.
       The Company shall write the notification in a manner calculated to be
       understood by the claimant. The notification shall set forth:

          (a)  The specific reasons for the denial,

          (b)  A reference to the specific  provisions  of the Plan on which the
               denial is based,

          (c)  A description of any additional information or material necessary
               for the claimant to perfect the claim and an  explanation  of why
               it is needed,

          (d)  An  explanation  of the  Plan's  review  procedures  and the time
               limits applicable to such procedures, and

          (e)  A statement of the claimant's right to bring a civil action under
               ERISA Section 502(a)  following an adverse benefit  determination
               on review.

     6.2 Review  Procedure.  If the Company denies part or all of the claim, the
claimant shall have the opportunity for a full and fair review by the Company of
the denial, as follows:

              6.2.1 Initiation - Written Request. To initiate the review, the
       claimant, within 60 days after receiving the Company's notice of denial,
       must file with the Company a written request for review.

              6.2.2 Additional Submissions - Information Access. The claimant
       shall then have the opportunity to submit written comments, documents,
       records and other information relating to the claim. The Company shall
       also provide the claimant, upon request and free of charge, reasonable
       access to, and copies of, all documents, records and other information
       relevant (as defined in applicable ERISA regulations) to the claimant's
       claim for benefits.

              6.2.3 Considerations on Review. In considering the review, the
       Company shall take into account all materials and information the
       claimant submits relating to the claim, without regard to whether such
       information was submitted or considered in the initial benefit
       determination.

              6.2.4 Timing of Company Response. The Company shall respond in
       writing to such claimant within 60 days after receiving the request for
       review. If the Company determines that special circumstances require
       additional time for processing the claim, the Company can extend the
       response period by an additional 60 days by notifying the claimant in
       writing, prior to the end of the initial 60-day period, that an
       additional period is required. The notice of extension must set forth the
       special circumstances and the date by which the Company expects to render
       its decision.

                                       6
<PAGE>

              6.2.5 Notice of Decision. The Company shall notify the claimant in
       writing of its decision on review. The Company shall write the
       notification in a manner calculated to be understood by the claimant. The
       notification shall set forth:

          (a)  The specific reasons for the denial,

          (b)  A reference to the specific  provisions  of the Plan on which the
               denial is based,

          (c)  A statement  that the  claimant  is  entitled  to  receive,  upon
               request and free of charge,  reasonable access to, and copies of,
               all documents, records and other information relevant (as defined
               in applicable  ERISA  regulations)  to the  claimant's  claim for
               benefits, and

          (d)  A statement of the claimant's right to bring a civil action under
               ERISA Section 502(a).

                                    Article 7
                           Amendments and Termination

       This Agreement may be amended or terminated only by a written agreement
signed by the Company and the Executive.

                                    Article 8
                                  Miscellaneous

     8.1  Binding  Effect.  This  Agreement  shall  bind the  Executive  and the
Company,   and   their   beneficiaries,    survivors,   executors,   successors,
administrators and transferees.

     8.2 No Guarantee of Employment.  This Agreement is not an employment policy
or contract.  It does not give the  Executive the right to remain an employee of
the Company,  nor does it interfere  with the  Company's  right to discharge the
Executive.  It also does not require  the  Executive  to remain an employee  nor
interfere with the Executive's right to terminate employment at any time.

     8.3  Non-Transferability.  Benefits  under this  Agreement  cannot be sold,
transferred, assigned, pledged, attached or encumbered in any manner.

     8.4 Tax Withholding. The Company shall withhold any taxes that are required
to be withheld from the benefits provided under this Agreement.

     8.5  Applicable  Law.  The  Agreement  and all  rights  hereunder  shall be
governed by the laws of the State of California,  except to the extent preempted
by the laws of the United States of America.

     8.6  Unfunded  Arrangement.  The  Executive  and  beneficiary  are  general
unsecured  creditors  of the  Company  for the  payment of  benefits  under this
Agreement.  The benefits  represent  the mere promise by the Company to pay such
benefits.  The rights to benefits are not subject in any manner to anticipation,
alienation,  sale, transfer,  assignment,  pledge,  encumbrance,  attachment, or
garnishment  by creditors.  Any insurance on the  Executive's  life is a general
asset of the Company to which the Executive and beneficiary have no preferred or
secured claim.

                                       7
<PAGE>

     8.7 Recovery of Estate Taxes. If the  Executive's  gross estate for federal
estate tax  purposes  includes  any amount  determined  by  reference  to and on
account of this Agreement,  and if the beneficiary is other than the Executive's
estate,  then the  Executive's  estate  shall be  entitled  to recover  from the
beneficiary  receiving such benefit under the terms of the Agreement,  an amount
by which the total estate tax due by the Executive's  estate,  exceeds the total
estate tax which  would have been  payable if the value of such  benefit had not
been included in the Executive's  gross estate. If there is more than one person
receiving such benefit, the right of recovery shall be against each such person.
In the event the  beneficiary  has a liability  hereunder,  the  beneficiary may
petition  the  Company  for a lump sum  payment  in an amount  not to exceed the
beneficiary's liability hereunder.

     8.8 Entire  Agreement.  This  Agreement  constitutes  the entire  agreement
between the Company and the Executive as to the subject matter hereof. No rights
are  granted  to the  Executive  by virtue of this  Agreement  other  than those
specifically set forth herein.

     8.9  Administration.  The Company  shall have powers which are necessary to
administer this Agreement, including but not limited to:

          (a)  Interpreting the provisions of the Agreement;

          (b)  Establishing  and  revising  the  method  of  accounting  for the
               Agreement;

          (c)  Maintaining a record of benefit payments; and

          (d)  Establishing   rules  and  prescribing  any  forms  necessary  or
               desirable to administer the Agreement.

       8.10 Named Fiduciary. For purposes of the Employee Retirement Income
Security Act of 1974, if applicable, the Company shall be the named fiduciary
and plan administrator under the Agreement. The named fiduciary may delegate to
others certain aspects of the management and operation responsibilities of the
plan including the employment of advisors and the delegation of ministerial
duties to qualified individuals.

       IN WITNESS WHEREOF, the Executive and a duly authorized Company officer
consent to this Agreement.

EXECUTIVE:                           COMPANY:

                                     TEMECULA VALLEY BANK, N.A.

__________________________________   By  ___________________________________
Donald Pitcher
                                     Title  _________________________________


                                       8
<PAGE>




                             BENEFICIARY DESIGNATION

                           TEMECULA VALLEY BANK, N.A.
               AMENDED AND RESTATED SALARY CONTINUATION AGREEMENT

I, Donald Pitcher, designate the following as beneficiary of benefits under the
Agreement payable following my death:

--------------------------------------------------------------------------------
Primary:
-----------------------------------------------------------          -----%

-----------------------------------------------------------          -----%

--------------------------------------------------------------------------------
Contingent:
-----------------------------------------------------------          -----%

-----------------------------------------------------------          -----%

--------------------------------------------------------------------------------
Notes:

     o    Please PRINT CLEARLY or TYPE the names of the beneficiaries.

     o    To  name a  trust  as  beneficiary,  please  provide  the  name of the
          trustee(s) and the exact name and date of the trust agreement.

     o    To name your estate as  beneficiary,  please  write  "Estate of _[your
          name]_".

     o    Be  aware  that  none of the  contingent  beneficiaries  will  receive
          anything unless ALL of the primary beneficiaries predecease you.

I understand that I may change these beneficiary designations by delivering a
new written designation to the Company, which shall be effective only upon
receipt and acknowledgment by the Company prior to my death. I further
understand that the designations will be automatically revoked if the
beneficiary predeceases me, or, if I have named my spouse as beneficiary and our
marriage is subsequently dissolved.

Name:             _______________________________

Signature:        _______________________________    Date:    _______

--------------------------------------------------------------------------------
SPOUSAL CONSENT (Required if Spouse not named beneficiary):
--------------------------------------------------------------------------------

I consent to the beneficiary designation above, and acknowledge that if I am
named beneficiary and our marriage is subsequently dissolved, the designation
will be automatically revoked.

--------------------------------------------------------------------------------
Spouse Name:      _______________________________

--------------------------------------------------------------------------------
Signature:                 _______________________________    Date:    _______


Received by the Company this ________ day of ______________, 2___

By:  _________________________________

Title:    _____________________________