**Exhibit      10.13**

**AMENDMENT      TO LEASE**

**DATE      CHANGE**

|   | A. | Original                Commencement date was: Ninety                (90) days after Landlord’s notice to Tenant of substantial completion and                final inspection of Tenant Improvements by the City of San                Clemente. |
|--------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | B. | Revised                Commencement date is: May                24, 2005. |
|--------|----|---------------------------------------------------------------------------|

|   | C. | Lease                Expiration date is: May                31, 2015. |
|--------|----|-----------------------------------------------------------------------|

**ADDENDUM      A, ITEM 5, EARLY POSSESSION AGREEMENT**

**ADDENDUM      C, ANNUAL RENT ADJUSTMENT**

| _______________                          | /s/                r                        |
|------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Landlord’s                Initials | Tenant’s                Initials                                                                                                                         |

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| ***Note** | The                  Security Deposit shall remain equal to the first month’s rent for the term                  of the Lease, pursuant to Article 7                  herein. |
|-----------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| LANDLORD:                                   |   | TENANT:                                        |
|---------------------------------------------|--------|------------------------------------------------|
|                                        |   |                                           |   |
| OLEN                COMMERCIAL REALTY CORP. |   | PACIFIC                COAST NATIONAL BANCORP, |
|                                        |   | A                CALIFORNIA CORPORATION        |
|                                        |   |                                           |   |
|                                        |   |                                           |   |
|                                        |   |                                           |   |
| By:_____________________________            |   | By:                                            | /s/                Michael S. Hahn |
| Name:                Andrei Olenicoff       |   | Name:                                          | Michael                S. Hahn |
| Title:                Vice President        |   | Title:                                         | President |
|                                        |   |                                           |   |
|                                        |   |                                           |   |
| Date:____________________________           |   | Date:                                          | 2/24/2005 |
|                                        |   |                                           |   |
|                                        |   |                                           |   |
|                                        |   |                                           |   |
|                                        |   | By:                                            | /s/                R. W. Grinyer |
|                                        |   | Name:                                          | R.                W. Grinyer |
|                                        |   | Title:                                         | Secretary |
|                                        |   |                                           |   |
|                                        |   |                                           |   |
|                                        |   | Date:                                          | 2/24/2005 |

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