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                                                                   EXHIBIT 10.22

                          CONSULTANT SERVICES AGREEMENT

        This CONSULTANT SERVICES AGREEMENT ("Agreement"), dated as of April 1,
2000 ("Effective Date"), is between Donald A. Kalkofen ("Consultant"), and West
Coast Bank ("WCB or Bank").

                                    RECITALS

A.      Consultant has proposed to provide certain services to WCB, as listed in
        its proposal to WCB attached as Attachment A. The services to be
        provided by Consultant are referred to collectively in this Agreement as
        "Services."

B.      WCB wishes to retain Consultant to provide the Services in accordance
        with the terms of this Agreement.

C.      Consultant and WCB have signed, as a condition precedent to this
        Agreement, a Confidentiality Agreement. The Confidentiality Agreement is
        a part of this Agreement.

The parties agree as follows:

                                    AGREEMENT

1.      THE SERVICES.

        1.1     Consultant Services. Consultant will provide the Services listed
                in Attachment A to WCB and its affiliates (collectively, the
                "Company"). Attachment A is incorporated into this Agreement.

        1.2     Service Standards. Consultant must perform the Services in a
                manner consistent with reasonable business practices and
                professional standards in his field and in a manner consistent
                with the service quality Consultant provided in his former
                capacity as Chief Financial Officer of the Company. WCB will
                allow Consultant access to the resources reasonably required to
                perform the Services in accordance with this Section.

        1.3     Hours of Service. The actual hours during which Consultant will
                provide the Services will be as mutually agreed between
                Consultant and WCB from time to time. But, Consultant will make
                himself available during reasonable business hours in a manner
                that will allow WCB to schedule up to 250 hours of Consultant's
                time before June 30, 2000. If Consultant does not do so, WCB may
                deduct from the fees in Attachment B $250 per hour for unused
                hours (Consultant will reimburse WCB for these hours if
                prepaid). Despite this paragraph, WCB may not require Consultant
                to schedule more than 90 hours of Consultant's time in June
                2000.

2.      SERVICE FEES. Attachment B describes the fees WCB will pay to Consultant
        under this Agreement and the payment terms for those fees.

3.      TERM. This Agreement is effective from the Effective Date through June
        30, 2000, unless sooner terminated in accordance with Section 8.

4.      RELATIONSHIP OF THE PARTIES. Consultant is an independent contractor and
        will not at any time be considered an employee of the Bank while
        providing Services under this Agreement. The relationship between the
        parties is not and at no time will be that of


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        parties to a partnership, joint venture, or any other similar
        affiliation. Neither party at any time will represent that such an
        agency, partnership, joint venture, or other similar affiliation exists
        between the parties. Consultant waives any claims against Bank for wages
        or benefits as an employee in connection with Services provided under
        this Agreement and will indemnify and defend Bank for any losses
        incurred as a result of or arising out of claims or actions by
        Consultant asserting or alleging that Bank owes any employee wages or
        benefits to such persons under this Agreement. The Salary Continuation
        Agreement between West Coast Bancorp, WCB, and Consultant is terminated
        as of the Effective Date. The Indemnification Agreement between West
        Coast Bancorp and Consultant will remain in effect with respect to
        Consultant's Services under this Agreement.

5.      TERMINATION.

        5.1     Termination Process. This Agreement may be terminated at any
                time by mutual consent of the parties. WCB alone may terminate
                this Agreement immediately upon notice to Consultant, if
                Consultant materially breaches this Agreement, unless Consultant
                has a cure period for such breach under this Agreement, in which
                case Bank may terminate the Agreement as of the end of the cure
                period if Consultant has not cured the breach. Consultant alone
                may terminate this Agreement 20 days after delivering a notice
                to WCB, if WCB materially breaches this Agreement, unless the
                breach is cured within that 20-day period. Either party may
                terminate this Agreement at any time upon notice to the other
                party, if a material provision of this Agreement becomes illegal
                or in violation of any law, regulation, or regulatory agency
                order or opinion, and the severance of the provision from the
                Agreement would materially alter its terms.

        5.2     Effect of Termination. Termination of this Agreement will not
                affect WCB's obligation to pay Consultant the fees earned with
                respect to any Services provided to WCB by Consultant before the
                termination is effective or any Services provided after the
                termination is effective with WCB's written consent. Termination
                by Consultant due to a material breach by WCB that is not cured
                within the 30-day cure period will not affect WCB's obligation
                to pay the fees listed in Attachment B in their entirety. Upon
                any termination of this Agreement, Consultant will cooperate
                with WCB at WCB's request with the transfer of the Services to
                WCB or to a third party. Sections 4, 7, 8.2, 10, 11, 12, 13, and
                19 will also survive any termination of this Agreement.

6.      COMPLIANCE WITH LAWS. Consultant, at all times while conducting Services
        under this Agreement, will comply with all applicable laws and
        regulations, state and federal, including, without limitation,
        employment-related laws, such as those related to workers' compensation,
        unemployment compensation, disability benefits, and employment
        discrimination.

7.      CONFIDENTIALITY. Neither party will disclose to third parties any
        nonpublic, confidential information concerning the other party's
        business or customers it may obtain while fulfilling its obligations
        under this Agreement, unless the disclosure is not prohibited by
        applicable laws or regulations and (1) the disclosing party receives the
        other party's written and signed consent to disclosure of its
        confidential information; (2) the information is no longer confidential;
        or (3) the disclosing party is required by legal or administrative
        process, or in connection with responsibilities under the securities
        laws, to disclose the confidential information. Bank may disclose
        confidential information of Consultant to regulatory agencies with
        jurisdiction over the Company. Consultant will comply with the separate
        Confidentiality Agreement signed as a condition precedent to


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        this Agreement. Each party (1) will promptly notify the other if it
        discovers any improper or unauthorized uses or disclosures of the
        other's financial information, (2) will take reasonable efforts within
        its control to protect against further improper or unauthorized uses or
        disclosures, and (3) will cooperate with the other party in any
        investigations, claims, or litigation brought as a result of the
        unauthorized uses or disclosures. All nonpublic information of a party
        will be presumed confidential. However, information will not be
        considered confidential if it has been publicly disclosed or is common
        public knowledge, each other than due to the actions of the disclosing
        party, or its employees, agents or representatives. WCB may disclose the
        nature and terms of this Agreement and its relationship with Consultant
        to potential business, merger or acquisition partners, on a "need to
        know" basis, without violating this or any other Section of this
        Agreement. The terms of this Agreement will be publicly disclosed by WCB
        in connection with its filing requirements under the Securities Exchange
        Act of 1934.

8.      BREACH. Material breach of this Agreement by Consultant will include,
        without limitation, the following:

        8.1     Performance. A material or repeated default in the performance
                of any obligations under this Agreement, unless the default is
                cured within 20 days after Bank provides Consultant with notice
                of the default.

        8.2     Bank Security. An intentional breach of Company policies by
                Consultant. If the breach is intentional, in addition to having
                cause to immediately terminate this Agreement, WCB may also
                charge to Consultant the cost of any and all repairs,
                replacements, and expenses resulting from the breach. Consultant
                will pay these amounts to WCB within 30 days' of receiving
                notice of the costs.

        8.3     Service Levels. Failure to meet the performance standards
                described in Section 1.2 and the Attachments to this Agreement,
                unless the failure is cured within 10 days' following notice by
                WCB to Consultant.

9.      RETURN OF PROPERTY. If and when this Agreement terminates, Consultant
        will promptly return to Bank all items of Bank property used or obtained
        by Consultant or its employees while providing the Services. All
        property is to be returned in good condition and in a manner that will
        not affect normal Bank operations. Consultant will reimburse Bank for
        any property that is damaged or not returned to Bank, to the extent of
        the actual cost incurred for repair or replacement. Consultant will not
        be responsible for WCB equipment malfunctions or breakdowns in the
        ordinary course of business.

10.     INTELLECTUAL PROPERTY RIGHTS. This Section applies to the extent
        Consultant uses, accesses or receives any of WCB's software, hardware,
        technology systems, trademarks, logos, tradenames or other intellectual
        property or proprietary information. The ownership, intellectual
        property, and proprietary rights of software and any derivatives of it
        may be governed by licensing agreements entered into by WCB with third
        parties. Consultant will respect and be obligated by the terms of those
        licensing agreements, including, without limitation, any restrictions on
        use or modification of the software and any provisions related to
        intellectual property rights. Any software, systems, programs, or other
        items or derivatives of proprietary or intellectual property, that are
        originally developed under this Agreement or not otherwise governed by
        agreements between WCB and third parties will become the proprietary,
        intellectual property, or copyright protected property of WCB, and
        Consultant agrees not to challenge those rights. Consultant also will
        not permit any use, sale, distribution, transfer, modification, license
        or sublicense of any software, systems, proprietary information,
        customer information, or intellectual property owned by or licensed to
        WCB,


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        without WCB's express written authorization. Consultant will treat and
        protect all software, systems, proprietary information, customer
        information, and intellectual property owned by or licensed to WCB and
        all WCB trade secrets as "confidential information" of WCB within
        Section 7 and the Confidentiality Agreement. Intellectual property and
        trade secrets currently owned by Consultant will not become property of
        WCB under this Section, except as tailored to WCB's specific needs or by
        WCB employees.

11.     USE OF NAMES. Consultant will not use WCB's logo in and will not use or
        refer to WCB's name (in a manner that would violate WCB's proprietary
        rights in the name) directly or indirectly in any advertisement, media
        release, public announcement or public disclosure without the prior
        written consent of WCB.

12.     MANDATORY ARBITRATION. At either party's request, any disputes arising
        under this Agreement that cannot be resolved between the parties, will
        be submitted to binding arbitration in accordance with the rules of the
        American Arbitration Association ("AAA"). If the parties are unable to
        agree on the appointment of an arbitrator within 10 business days after
        the dispute has been submitted to arbitration, AAA will administer the
        case as a "one-arbitrator" case under the AAA rules. The costs of the
        arbitration (excluding each party's own attorneys' fees) will be shared
        equally by the parties. The arbitrator may in his/her discretion award
        legal costs and attorneys' fees and to the substantially prevailing
        party. If either party fails to appear at any properly noticed
        arbitration proceeding, an award may be entered against that party by
        default. Arbitration proceedings will take place in either Clackamas or
        Multnohmah County, Oregon, unless the parties agree on another location.
        Judgment on an arbitration award may be entered by either party in any
        court of competent jurisdiction and is final, binding and
        non-appealable.

13.     INJUNCTIVE RELIEF. Neither party is required to arbitrate with respect
        to requests for temporary restraining orders or preliminary or permanent
        injunctions. Either party may seek such relief at any time to prevent or
        stay a breach or further breach of this Agreement or the Confidentiality
        Agreement. The right to seek injunctive relief under this Section
        survives any termination of this Agreement.

14.     NOTICES. Notices under this Agreement must be in writing, and may be
        sent by mail or facsimile. Notices are effective when received, unless
        another effective date is designated in the notice or is required by
        this Agreement. A party will be found to have received a notice at the
        earlier of (a) the date the party actually receives the notice, (b)
        three business days following the date the notice was placed in
        registered mail, return receipt requested, or (c) the business day
        following the date a notice was sent to the party via facsimile, as long
        as a facsimile confirmation was received by the sending party in
        connection with the transmission of the notice. Notices must be
        delivered to a party at the address or facsimile number set forth below,
        unless before the notice is sent, the receiving party notifies the
        sending party of an alternate address or facsimile number for notices.

15.     ASSIGNMENT/SUBCONTRACTING. Consultant may not assign or subcontract any
        of its rights or obligations under this Agreement without the prior
        written consent of WCB. WCB may not assign its rights or obligations
        under this Agreement without the prior written consent of Consultant.
        Any assignment, transfer, or subcontract in violation of this Section 15
        is void.

16.     WAIVER. No delay or omission by either party to exercise any right or
        power it has under this Agreement will be interpreted as a waiver of
        such right or power, absent a written


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        waiver signed by the party waiving the right or power. A waiver by any
        party of any breach or obligation of the other party under this
        Agreement will not be interpreted as a waiver of any other breaches or
        obligations. All waivers must be in writing and signed by the party
        making the waiver.

17.     GOVERNING LAW AND VENUE. This Agreement is governed by and will be
        interpreted in accordance with Oregon State laws. Any legal action or
        claim brought or asserted under this Agreement must be filed in Oregon
        in either Clackamas County or Multnomah County, and the parties to this
        Agreement consent to personal jurisdiction in those counties.

18.     FORCE MAJEURE/DISASTER RECOVERY. Neither party will be liable to the
        other for any loss or performance delay or failure caused by or
        resulting from an event, occurrence, or cause beyond its reasonable
        control, including without limitation, war, vandalism, sabotage,
        accidents, epidemics, quarantines, fires, explosions, earthquakes,
        floods, shortages, interruptions of basic utility services, acts of any
        government unit or agency, or acts of the other party that cause a delay
        or make performance impossible.

19.     ATTORNEYS' FEES. If a dispute arises between the parties regarding this
        Agreement or the Services and is settled through legal action, the
        substantially prevailing party will be entitled to recover its legal
        expenses, including attorneys' fees, from the other party. This
        provision applies both at trial and on appeal.

20.     ENTIRE AGREEMENT. This Agreement, including its Exhibits, and the
        Confidentiality Agreement contain the entire agreement between the
        parties with respect to the subject matter of this Agreement, and this
        Agreement supercedes all oral understandings or representations and all
        prior proposals or agreements, whether written or oral, with respect to
        the Services. This Agreement may be amended or modified only through a
        written amendment signed by both parties. This Agreement may be executed
        in counterparts, each of which will be considered an original and all of
        which together constitute the same document. Headings used in this
        Agreement are for reference and convenience purposes only and do not
        affect interpretation of this Agreement.

21.     SEVERABILITY. Except as otherwise provided in this Agreement, if any
        provision of this Agreement is legitimately found to be or becomes
        illegal or in violation of law, the rest of the Agreement remains in
        full force and effect.

Signed and accepted as of March 10, 2000, effective as of the Effective Date:

CONSULTANT:                                  WEST COAST BANK:

/s/                                          /s/
----------------------------------           ----------------------------------
By: Donald A. Kalkofen                       By: Shauna L. Vernal
                                             Its:  SVP and General Counsel
Consultant Address:
8930 S.W. Iowa Drive                         West Coast Bank Address:
Tualatin, OR  97062
Fax:  N/A                                    Attn: General Counsel
                                             5335 Meadows Road, Suite 201
                                             Lake Oswego, OR  97035
                                             Fax: (503) 684-0781


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                                  ATTACHMENT A

                                    SERVICES

Consultant will provide certain financial and accounting support Services as
requested by WCB under this Agreement.


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                                  ATTACHMENT B

                                      FEES

WCB will pay Consultant total fees of $62,500. These fees will be due and
payable as follows:

$20,833 on April 1, 2000

$20,833 on May 1, 2000

$20,834 on June 1, 2000

Consultant will keep complete and accurate records of time worked and will
provide those records to WCB upon request.

EXPENSE REIMBURSEMENT:

WCB will reimburse Consultant for reasonable out-of-pocket expenses for long
distance calls, travel expenses (other than for travel to WCB headquarters in
Lake Oswego), and supplies purchased by Consultant that are not provided by WCB
and are necessary for completion of the Services. WCB will also reimburse
Consultant for other out-of-pocket expenses that are approved by WCB in advance
in writing.

Consultant will submit an invoice to WCB for reimbursable expenses that become
due under this Agreement. WCB will pay such invoices within 15 business days.


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                                                            EXHIBIT 10.22 (CONT)

                            CONFIDENTIALITY AGREEMENT


        This Confidentiality Agreement ("Agreement"), effective as of April 1,
2000, is between West Coast Bancorp ("WCB") and Donald A. Kalkofen
("Consultant").


                                    RECITALS

A.      West Coast Bancorp and its affiliates are retaining Consultant to
        provide certain consulting services to assist the Company (collectively,
        "Services"). In connection with those Services, Consultant is entering
        into this Agreement and a Consulting Agreement with WCB.

B.      Due to the nature of the Services, Consultant may have access to
        employees, records, documents, and other information owned or used by
        WCB and its subsidiaries.

C.      The parties wish to ensure that any confidential information, whether
        written or oral, owned or used by WCB and its subsidiaries is protected
        from disclosure and use by Consultant.

D.      WCB's common stock is traded on the NASDAQ under the symbol WCBO.
        Confidential information regarding WCB and its subsidiaries and/or other
        parties may be deemed material, nonpublic information. WCB wishes to
        ensure that Consultant does not trade in WCB stock on the basis of
        material, nonpublic information.

Accordingly, the parties agree as follows:

                                    AGREEMENT

1.      Confidentiality. Consultant will hold any information ("Information") of
        any kind provided to Consultant or otherwise found, delivered, or
        overheard in the properties, systems, buildings, offices, records,
        documents or other items of WCB and its subsidiaries, whether the
        Information is written or oral, in the strictest confidence. Consultant
        will refrain from disclosing any confidential Information to anyone in
        any manner, unless and until written permission to disclose is granted
        by WCB's General Counsel, Chief Financial Officer, or Chief Executive
        Officer. This restriction includes the disclosure of Information to
        employees of WCB, Consultant, and their affiliates, as well as to any
        persons outside of those organizations. Consultant will require any of
        his employees who have access to Information to comply with the terms of
        this Agreement and will inform those employees of their obligations
        under this Agreement. All Information will be presumed confidential.
        However, Information will not be considered confidential if it has been
        publicly disclosed or is common public knowledge, each other than due to
        the actions of Consultant or its employees, agents or representatives.
        This Agreement does not prohibit Consultant from sharing Information
        with employees of Consultant or WCB and its affiliates on a
        "need-to-know" basis as required in order to provide the Services.

2.      Insider Trading Policy. Consultant understands that WCB has an Insider
        Trading Policy that restricts "insiders" from trading in WCB stock when
        in possession of material, nonpublic information. Consultant has
        received a copy of this Policy and understands that he is an "insider"
        of WCB as defined in the Policy. Consultant will comply with the Policy,
        and Consultant will refrain from trading in the securities of WCB while
        in possession of any of WCB's material, nonpublic information. In
        addition, Consultant will cause his employees and representatives to
        comply with the terms of this Agreement and the Policy. Consultant
        understands that trading in WCB stock when in possession of material,
        nonpublic information can result in significant monetary penalties and
        other significant consequences.


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3.      Indemnification. Consultant will indemnify and defend WCB and it's
        employees, successors, and affiliates, harmless from all legal actions,
        liability, demands, and claims of any kind (collectively "Claims")
        asserted against WCB, or it's employees, successors, or affiliates, as a
        result of or arising out of any breach of this Confidentiality Agreement
        by Consultant or his employees. This obligation to indemnify and defend
        includes without limitation the obligation to pay or reimburse, as
        applicable, WCB, its employees, successors, and affiliates, for all
        expenses and attorneys' fees incurred by them with respect to any Claim,
        whether or not any action or proceeding is commenced and both at trial
        and on appeal.

4.      Condition Precedent. Consultant acknowledges that this Agreement is a
        condition precedent to West Coast Bank's use of Consultant or any of his
        Services and to the Consulting Agreement. Compliance with this Agreement
        is required in order for Consultant to provide any additional Services
        to West Coast Bank. Compliance with this Agreement by Consultant is
        critical, and breach of this Agreement will give WCB and West Coast Bank
        cause, at its discretion, to immediately terminate its relationship with
        Consultant and all of West Coast Bank's remaining obligations to
        Consultant, other than to pay for services previously performed, less
        any amounts owed to WCB by Consultant under this Agreement. This result
        is in addition to any other remedies available to WCB, under either
        legal or equitable grounds. This Confidentiality Agreement will survive
        termination of the Services or any relationship between Consultant and
        West Coast Bank or WCB.

5.      Enforcement. Consultant will reimburse WCB and its affiliates for any
        legal expenses incurred, including reasonable attorneys' fees and costs,
        enforcing this Agreement against Consultant, both at trial and on
        appeal. Interest will accrue at 9% per annum, or at the legal rate of
        interest for court judgements, whichever is higher, from the date fees
        and costs are paid by WCB to the date reimbursed by Consultant. WCB is
        entitled to seek injunctive relief in connection with any breach or
        anticipatory breach of this Agreement by Consultant.

6.      Counterparts/Authority. This Agreement may be executed in one or more
        counterparts, each of which will be deemed to be an original copy of
        this Agreement and all of which, when taken together, will be deemed to
        constitute one and the same agreement.

7.      Governing Law/Venue. This Agreement is governed by and will be
        interpreted in accordance with the laws of the State of Oregon, except
        to the extent that certain matters are governed by federal law. In the
        event of a dispute between the parties, venue will be in Clackamas
        County or Multnomah County, Oregon. The parties agree to submit to
        personal jurisdiction in those counties. If any provision of this
        Agreement is found to be illegal or unenforceable, the remaining terms
        of this Agreement will remain in full force and effect.

Signed as of March 10, 2000, effective as of April 1, 2000:

WEST COAST BANCORP                          DONALD A. KALKOFEN



/S/                                         /S/
---------------------------------           ---------------------------------
By: Shauna  L. Vernal                       Individually
Its: SVP and General Counsel


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