LEASE ADDENDUM ONE

Second Addendum to Lease Agreement dated December 1, 2003, by and between
DAHA INVESTMENTS, as Lessor, and NORTH VALLEY BANK, as Lessee.

Lessor and Lessee hereby agree to incorporate into the Lease the following
modifications, deletions, or additions.

1.    Additional Square Footage. Lessor and Lessee agree that the Lease shall
      now include adjacent space (currently used as a hardware store).
      Additional space shall include at least 1500 square feet. Additional
      square footage is permitted up to 2500 square feet. If more than 2500
      square feet is requested then Lessee will take the entire space of
      approximately 4000 square feet. Base rent for the additional space will be
      calculated at $1.17 per square foot.

2.    Drive-Thru Stall. Lessor and Lessee agree additional drive-thru stall
      is permitted adjacent to current stall if approved by the local
      Planning Department. The base rate is $120 per month.

3.    Free Rent. Lessor and Lessee agree that rent for the additional space
      shall begin no sooner than May l, 2004. Rent due at that time shall be
      no less than the lease for the minimum square footage of 1500 square
      feet. Proportionate upward adjustment will be made upon construction
      completion if more space is occupied.

4.    Periodic Cost-of-Living Adjustment. The base monthly rent provided for
      in Paragraph 1.5 shall be subject to adjustment at the commencement of
      the second year of the term and each year thereafter ("the adjustment
      date") including any option periods as follows:

      The base for computing the adjustment is the Consumer Price Index (all
      Urban Consumers) for San Francisco-Oakland-San Jose CMSA published by
      the United States Department of Labor, Bureau of Labor Statistics
      ("Index") which is published for the date nearest the date of the
      commencement of the term ("Beginning Index"). If the Index published
      nearest the adjustment date ("Extension Index") has increased over the
      Beginning Index, the monthly rent for the following year (until the
      next rent adjustment) shall be set by multiplying the monthly rent set
      forth in Paragraph 5 by a fraction, the numerator of which is the
      Extension Index and the denominator of which is the Beginning Index. On
      adjustment of the monthly rent as provided in this Lease, the parties
      shall immediately execute an amendment to the Lease stating the new
      monthly rent.

      If the Index is changed so that the base year differs from that used as
      of the date immediately preceding the month in which the term
      commences, the Index shall be converted in accordance with the
      conversion factor published by the United States Department of Labor,
      Bureau of Labor Statistics. If the Index is discontinued or revised

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      during the term, such other government index or computation with which
      it is replaced shall be used in order to obtain substantially the same
      result as would be obtained if the Index had not been discontinued or
      revised.

5.    Build Out. Lessor and Lessee agree that all costs of plans and
      construction shall be the responsibility of the Lessee. Lessor to
      approve plans prior to build out, which will not be unreasonably
      withheld. Lessee must have Planning Department permits for all work
      performed.

6.    Management Fees. Lessor and Lessee agree that the annual common area
      management fee shall be no more than ten percent (10%) of the annual
      common area maintenance charges. Property management fee will not be
      more than four percent (4%) of rent

7.    Late Fees. Lessor and Lessee agree that rent is due on the first of
      each month and considered late if received after the tenth of any
      month. In addition to late fees assessed to late payments, a forty-five
      dollar ($45.00) fee will be assessed for returned checks.

8.    Common Area Maintenance. Lessor and Lessee agree to prorate CAM and
      management fees for leased area will be adjusted to final square
      footage occupied.

9.    Extended Term. If Tenant (i) performs all of its covenants and
      obligations under the Lease and is not in default under any of the
      terms of the Lease, (ii) otherwise complies with the provisions hereof,
      then Tenant shall have the option to extend the Lease Term for two (2)
      additional, consecutive term of five (5) years ("Extended Term") under
      the same terms and conditions of the Lease, except for the Minimum
      Annual Rent and this right of extension. Tenant may exercise said
      option by giving notice thereof (the "Option Notice") to Landlord not
      more than one (1) year nor less than six (6) months prior to the
      Expiration Date. The Extended Term shall commence on the day
      immediately succeeding the Expiration Date and shall end at midnight on
      the day immediately preceding the fifth (5th) anniversary of the first
      day of the Extended Term. If Tenant is in default on the date the
      Extended Term is to commence, the Extended Term shall not commence and
      Tenant shall have no right to extend the Lease beyond the Expiration
      Date.

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Lessor and Lessee agree that all other statements in the original Lease dated
December 1, 2003, and Lease Addendum One shall remain in full force and
effect.

Dated: December 12, 2003


LANDLORD:                                       TENANT:

/s/ Victor Szanto                          /s/ North Valley Bank
--------------------------------------    --------------------------------------
Victor Szanto                             North Valley Bank

/s/ Daha Investments                       /s/ Jack Richter
--------------------------------------    --------------------------------------
Daha Investments                          Jack Richter


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