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                                                                  EXHIBIT 10.14

                      CALIFORNIA COMMUNITY BANCSHARES, INC.

                            EXECUTIVE INCENTIVE PLAN
                                      2000

I.       PURPOSE

         California Community Bancshares and each of its subsidiary banks is the
         sponsor of this incentive plan (the "Plan"). California Community
         Bancshares and its subsidiaries (the "Company") have designed the Plan
         to focus California Community Bancshares and its executive team on
         achieving the annual business plan for the Company in 2000. The Plan
         provides aggressive award opportunities and is intended to provide
         significant rewards to the Company's executive team for exceptional
         corporate performance.

II.      APPROVAL AND ADMINISTRATION

         The Plan has been approved for 2000 by the Boards of Directors of the
         Company and will be administered by the Incentive Plan Committee (the
         "Committee"), which is comprised of the CEO of California Community
         Bancshares and each the subsidiary bank CEO's. The Committee will
         recommend Plan Participants; Plan Performance Measures; Performance
         Measure Weights; Achievement Levels and corresponding Award
         Opportunities; and the Financial Thresholds (each as defined herein) to
         the Boards of Directors of California Community Bancshares (the "Board
         of Directors") for their approval as early in the Plan Year as
         possible. At the end of the Plan Year, the Committee will review
         achievements against Performance Measures and recommend Awards (as
         defined herein) to the Board of Directors for its approval.

         The Boards of Directors at its sole discretion will make
         interpretations and application of the Plan to the particular
         circumstances. The Board of Directors has the sole and absolute power
         and authority to make all factual determinations, construe and
         interpret terms and make eligibility and Award determinations in
         accordance with its interpretation of the Plan.

III.     PLAN YEAR

         The Plan is an annual plan adopted for the 2000 calendar year.

IV.      ELIGIBILITY

         All Senior Executives (i.e., Chief Executive Officers, Presidents,
         Chief Financial Officers, Chief Lending Officers, Chief Retail Banking
         Officers and Senior Vice Presidents) are eligible for participation in
         the Plan. The Committee will review those eligible and recommend
         Participants to the Board of Directors for their approval. The
         Committee may recommend other executives for participation in the Plan
         on an exception basis for approval by the Board of Directors.

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                                                               Bancshares, Inc.
                                                  2000 Executive Incentive Plan
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V.       PARTICIPATION

         An individual who has been selected for participation in the Plan by
         the Committee and approved by the Board of Directors is a Participant.

VI.      FINANCIAL THRESHOLDS

         In order for Awards to be made under the Plan, California Community
         Bancshares and each subsidiary bank must have reached their respective
         Financial Thresholds. The Committee will recommend this level of
         financial performance at the beginning of the Plan Year for approval by
         the Board of Directors. For 2000, the Financial Thresholds for
         California Community Bancshares and each subsidiary bank is as follows:

<TABLE>

<S>                                             <C>
         - California Community Bancshares      Year 2000 cash earnings of $6,150,000

         - Placer Sierra Bank                   Year 2000 cash earnings of $5,600,000

         - Sacramento Commercial Bank           Year 2000 cash earnings of $1,900,000

         - Bank of Orange County                Year 2000 cash earnings of $2,050,000
</TABLE>

VII.     PERFORMANCE MEASURES

         The Committee will select one or more Performance Measures for each
         subsidiary bank under the Plan. All Performance Measures will be key
         indicators of financial performance.

         In addition, the Committee will select one or more Personal Performance
         Measures for each Participant in the Plan.

         Each Performance Measure will operate independently, i.e. it is
         possible for one Performance Measure to generate an award and not
         others; likewise, it is possible for one Performance Measure to be
         achieved at a higher level than others. Performance Measures will be
         individually weighted, i.e., one Performance Measure may be counted
         more heavily in calculating Awards than the other. The Committee will
         establish weights for each Performance Measure at the beginning of the
         Plan Year for approval by the Board of Directors. Achievement Levels
         will be established for each Performance Measure along with
         corresponding Award Opportunities.

         For 2000 the Committee has selected Year 2000 cash earnings as the
         Performance Measures for California Community Bancshares and for each
         subsidiary bank.

VIII.    ACHIEVEMENT LEVELS AND OPPORTUNITIES

         Achievement Levels and Award Opportunities for 2000 have been approved
         as shown on EXHIBIT A hereto and are expressed as a percentage of base
         salary. This assumes that cash earnings are achieved at various
         percentages of the established California Community Bancshares Plan for
         2000 and illustrates the maximum Award Opportunity at each

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                                                               Bancshares, Inc.
                                                  2000 Executive Incentive Plan
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         specified Achievement Level. Mathematical interpolation will be used to
         calculate Awards for Achievement between the levels established as
         shown on EXHIBIT A.

IX.      AWARDS

         Awards under the Plan will be determined by the Committee based upon
         achievement of Performance Measures and will be submitted to the Board
         of Directors for approval.

         For purposes of the Plan, base salary paid during the Plan Year will be
         used to calculate Awards. This will include base salary and annual
         leave pay but will not include any other kind of payment or
         compensation.

         Awards for individuals who are Participants for less than a full Plan
         Year will be prorated using Participants actual base salary paid during
         the time of participation during the Plan Year. Awards for Participants
         who leave California Community Bancshares or one of its subsidiary
         banks during a Plan Year due to retirement, total and permanent
         disability, death or termination not-for-cause will be prorated using
         the same method.

         To be eligible to receive an Award under the Plan, a Participant must
         have a performance descriptor of "Achieves Expectations" or better for
         2000.

X.       ADJUSTMENTS

         Performance Measures, Achievement Levels and Award Opportunities may be
         adjusted during the Plan Year only upon approval by the Board of
         Directors, as it deems appropriate. It is anticipated that such
         adjustments will be made infrequently and only in the most
         extraordinary circumstances.

         Because the Plan has aggressive Award Opportunities, some adjustments
         may need to be made to Awards to recognize the fact that some
         Participants base salaries may be currently above or below market. In
         such cases, the Committee may reduce or increase an Award, as it deems
         appropriate, to achieve a reasonable level of total compensation for
         each Participant. All adjustments are subject to approval by the Board
         of Directors.

XI.      PAYMENT OF AWARDS

         Awards will be paid as soon as administratively feasible, after review
         of Performance Measure Achievement Levels and approval by the Board of
         Directors. To be eligible for Award payment, a participant must be an
         employee of the Company on the date that Awards are paid or have left
         the Company during the Plan Year due to retirement, total and permanent
         disability, death or termination not-for-cause.

         Awards will be made through the payroll system, minus legally required
         and authorized deductions. Awards under the Plan will be considered
         eligible compensation or not as defined by each specific employee
         benefit plan for purposes of employee benefit calculations.


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                                                               Bancshares, Inc.
                                                  2000 Executive Incentive Plan
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XII.     NO RIGHT OF ASSIGNMENT

         No right or interest of any Participant in the Plan is assignable or
         transferable. In the event of a Participant's death, payment of any
         earned but unpaid Awards will be made to the Participant's legal
         successor, if not prohibited by law.

XIII.    NO RIGHT OF EMPLOYMENT

         The Plan does not give any employee any right to continue in the
         employment of the Company or any subsidiary of the Company and does not
         constitute any contract or agreement of employment or interfere in any
         way with the right the Company or any subsidiary of the Company has to
         terminate such person's employment. The Company and each subsidiary of
         the Company is an "at will" employer and as such, can terminate an
         employment relationship between itself and any of its employees at
         will, with or without cause.

XIV.     AMENDMENT OR TERMINATION OF THE PLAN

         California Community Bancshares reserves the right to change, amend,
         modify, suspend, continue or terminate all or any part of the Plan
         either in an individual case or in general, at any time without notice.