Document:

Exhibit 10.14

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

     THIS AGREEMENT is adopted this 28th day of January, 2004, by and between
the TEMECULA VALLEY BANK, N.A., a national banking association located in
Temecula, California (the "Company") and LUTHER J. MOHR (a/k/a Luke Mohr) (the
"Executive"), amending, restating and replacing the Amended and Restated
Temecula Valley Bank, N.A., Salary Continuation Agreement dated January 1, 2002
and a First Amendment thereto dated December 31, 2002, between the Company and
the Executive.

     For clarification, the January 1, 2002 agreement previously amended and
restated the Amended and Restated Temecula Valley Bank, N.A., Salary
Continuation Agreement dated September 3, 1999 (distinguished by the lump sum
payment provisions under Sections 2.2, 2.3 and 2.4) and a First Amendment
thereto dated November 6, 2001, between the Company and the Executive. The
September 3, 1999, agreement previously amended and restated a Salary
Continuation Agreement dated November 24, 1997, and another Amended and Restated
Salary Continuation Agreement also dated September 3, 1999.

                                  INTRODUCTION

WITNESSETH:

     WHEREAS, the Executive is in the employ of the Company, serving as its
Chief Operating 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
<PAGE>
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

          (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
<PAGE>
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.

     1.5  "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 70th 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
     $90,000 (Ninety 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
<PAGE>
     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 attaining
     Normal Retirement Age. The Company shall pay this annual benefit to the
     Executive for the greater of: a) 10 years; or b) the Executive's lifetime.

               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.

               2.1.2.2  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 as follows:

                    Executive shall receive the greater of:

                    (1) the present value of the Normal Retirement Benefit based
                    upon 10 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;

                    or
                    --

                    (2) the present value of the Normal Retirement Benefit based
                    upon a lifetime benefit, which is to be calculated
                    commencing with the date of the first payment received by
                    Executive under Section 2.1, and ending on a date in the
                    future that is calculated to be the Executive's actuarial
                    life expectancy, plus five years, less any monthly payments
                    already received by the Executive under Section 2.4.2 of
                    this Agreement. The Executive's actuarial life expectancy
                    shall be determined by reference to any standard actuarial
                    table agreed to by the Company and the Executive.
<PAGE>
          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 Lump Sum set forth in Schedule A for the Plan Year ending
     immediately prior to the Early Termination Date, determined by vesting the
     Executive in the Accrual Balance. 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 benefit to the
     Executive in a lump sum within 60 days following Termination of Employment.

     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 Lump Sum set forth in Schedule A for the Plan Year ending
     immediately prior to the date in which the Termination of Employment
     occurs, plus any pro rata amount for the Plan Year in which Termination of
     Employment occurs. This benefit is determined by vesting the Executive in
     the Accrual Balance. 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 benefit to the
     Executive in a lump sum within 60 days following Termination of Employment.

     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
<PAGE>
     Control benefit under this Section 2.4, Executive shall receive a lump sum
     payment which is calculated to be the greater of:

               (1) the present value of the Normal Retirement Benefit based upon
               10 years of monthly installment payments, which are to be
               calculated commencing with Executive's Normal Retirement Age and
               ending 10 years later;

               or
               --

               (2) the present value of the Normal Retirement Benefit based upon
               a lifetime benefit, which is to be calculated commencing with
               Executive's Normal Retirement Age and ending on a date in the
               future that is calculated to be the Executive's actuarial life
               expectancy, plus five years. The Executive's actuarial life
               expectancy shall be determined by reference to any standard
               actuarial table agreed to by the Company and the Executive.

                                    Article 3
                                 Death Benefits

     3.1  Death During Active Service. If the Executive dies while in the active
service of the Company, the Company shall pay to the Executive's beneficiary the
benefit described in this Section 3.1. This benefit shall be paid in lieu of the
Lifetime Benefits of Article 2.

          3.1.1  Amount of Benefit. The annual benefit under this Section 3.1 is
     the Normal Retirement Benefit amount described in Section 2.1.1.

          3.1.2 Payment of Benefit. The Company shall pay the annual benefit to
     the Executive's beneficiary in 12 equal monthly installments commencing
     with the month following the Executive's death. The Company shall pay this
     annual benefit to the Executive's beneficiary for 10 years.

     3.2 Death During Benefit Period. If the Executive dies after the benefit
payments have commenced under this Agreement but before receiving all such
payments, the Company shall pay the remaining benefits to the Executive's
beneficiary at the same time and in the same amounts that would have been paid
to the Executive had the Executive survived.

     3.3 Death Following Termination of Employment But Before Benefits Commence.
If the Executive is entitled to benefits under this Agreement, but dies prior to
receiving said benefits, the Company shall pay to the Executive's beneficiary
the same benefits, in the same manner, that would have been paid to the
Executive had the Executive survived, however, said benefit payments will
commence upon the Executive's death.

                                    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
<PAGE>
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.

                                    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 any act of embezzlement,
fraud or dishonesty.

     5.2  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.

          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
<PAGE>
     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.

          6.2.5  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,
<PAGE>
               (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.

     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
<PAGE>
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  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.

/s/ Luther J. Mohr                           By  /s/ Donald A. Pitcher
------------------                           -------------------------
Luther J. Mohr                               Title  Executive Vice President/CFOExhibit 10.17

                              TEMECULA VALLEY BANK
                    EXECUTIVE DEFERRED COMPENSATION AGREEMENT

     THIS AGREEMENT is made this 1st day of April, 2001, by and between TEMECULA
VALLEY BANK, a nationally-chartered commercial bank, located in Temecula,
California (the "Company"), and THOMAS P. IVORY (the "Executive").

                                  INTRODUCTION

     To encourage the Executive to remain an employee of the Company, the
Company is willing to provide to the Executive a deferred compensation
opportunity. The Company will pay the Executive's benefits from the Company's
general assets.

                                    AGREEMENT

     The Executive and the Company agree 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

               (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
<PAGE>
          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  "Compensation" means the salary and bonus that would be paid to the
Executive during a Plan Year, absent deferrals, less FICA taxes associated with
such salary and bonus.

     1.4  "Deferral Account" means the Company's accounting of the Executive's
accumulated Deferrals plus accrued interest.

     1.5  "Deferrals" means the amount of the Executive's Compensation, which
the Executive elects to defer according to this Agreement.

     1.6  "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.

     1.7  "Early Termination" means Termination of Employment before Normal
Retirement Age for reasons other than death, Disability, Termination for Cause
or within 12 months following a Change of Control.

     1.8  "Effective Date" means April 13, 2001.

     1.9  "Election Form" means the Form attached as Exhibit 1.

     1.10 "Normal Retirement Age" means the Executive's fifty-seventh (57th)
birthday.
<PAGE>
     1.11  "Plan Year" means a twelve-month period commencing on April 13 and
ending on April 12 of each year. The initial Plan Year shall commence on the
Effective Date of this Agreement.

     1.12  "Termination of Employment" means that the Executive ceases to be
employed by the Company for any reason, voluntary or involuntary, other than by
reason of a leave of absence approved by the Company.

                                    Article 2
                                Deferral Election

     2.1  Initial Election. The Executive shall make an initial deferral
election under this Agreement by filing with the Company a signed Election Form
within 30 days after the Effective Date of this Agreement. The Election Form
shall set forth the amount of Compensation to be deferred and shall be effective
to defer only Compensation earned after the date the Election Form is received
by the Company.

     2.2  Election Changes

          2.2.1  Generally. Upon the Company's approval, the Executive may
     modify the amount of Compensation to be deferred annually by filing a new
     Election Form with the Company within 45 days prior to the beginning of the
     Plan Year in which the Compensation is to be deferred. The modified
     deferral election shall not be effective until the Plan Year following the
     year in which the subsequent Election Form is received and approved by the
     Company.

          2.2.2  Hardship. If an unforeseeable financial emergency arising from
     the death of a family member, divorce, sickness, injury, catastrophe or
     similar event outside the control of the Executive occurs, the Executive,
     by written instructions to the Company, may reduce future deferrals under
     this Agreement.

                                    Article 3
                                Deferral Account

     3.1  Establishing and Crediting. The Company shall establish a Deferral
Account on its books for the Executive and shall credit to the Deferral Account
the following amounts:

          3.1.1  Deferrals. The Compensation deferred by the Executive as of the
     time the Compensation would have otherwise been paid to the Executive.

          3.1.2  Interest. At the end of each Plan Year under this Agreement and
immediately prior to the payment of any benefits, but only until commencement of
the benefit payments under this Agreement, unless otherwise stated, interest is
to be credited on the Deferral Account at an annual rate equal to ten percent
(10%), compounded monthly. After benefit payments have commenced under this
Plan, during any applicable installment period interest shall be credited at an
annual rate of ten percent (10%), compounded monthly.
<PAGE>
     3.2  Statement of Accounts. The Company shall provide to the Executive,
within one hundred twenty (120) days after the end of each Plan Year, a
statement setting forth the Deferral Account balance.

     3.3  Accounting Device Only. The Deferral Account is solely a device for
measuring amounts to be paid under this Agreement. The Deferral Account is not a
trust fund of any kind. The Executive is a general unsecured creditor of the
Company for the payment of benefits. The benefits represent the mere Company
promise to pay such benefits. The Executive's rights are not subject in any
manner to anticipation, alienation, sale, transfer, assignment, pledge,
encumbrance, attachment, or garnishment by the Executive's creditors.

                                    Article 4
                            Benefits During Lifetime

     4.1  Normal Retirement Benefit. Upon the Normal Retirement Age, the Company
shall pay to the Executive the benefit described in this Section 4.1 in lieu of
any other benefit under this Agreement.

          4.1.1  Amount of Benefit. The benefit under this Section 4.1 is the
     Deferral Account balance at the Executive's Normal Retirement Age.

          4.1.2  Payment of Benefit. The Company shall pay the benefit to the
     Executive in twelve equal monthly installments, commencing on the first day
     of the month following the Executive's Normal Retirement Age. The annual
     benefit shall be paid to the Executive for ten (10) years.

     4.2  Early Termination Benefit. Upon Early Termination, the Company shall
pay to the Executive the benefit described in this Section 4.2 in lieu of any
other benefit under this Agreement.

          4.2.1  Amount of Benefit. The benefit under this Section 4.2 is the
     Deferral Account balance at the Executive's Termination of Employment

          4.2.2  Payment of Benefit. The Company shall pay the benefit to the
     Executive in twelve (12) equal monthly installments commencing on the first
     day of the month following the Executive attaining Normal Retirement Age.
     The annual benefit shall be paid to the Executive for ten (10) years.

     4.3  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 4.3 in lieu of any other benefit
under this Agreement.

          4.3.1  Amount of Benefit. The benefit under this Section 4.3 is the
     Deferral Account balance at the Executive's Termination of Employment.

          4.3.2  Payment of Benefit. The Company shall pay the benefit to the
     Executive in twelve (12) equal monthly installments commencing on the first
     day of the month following
<PAGE>
     Termination of Employment. The annual benefit shall be paid to the
     Executive for ten (10) years.

     4.4  Change of Control Benefit. Upon a Change of Control, the Company shall
pay to the Executive the benefit described in this Section 4.4 in lieu of any
other benefit under this Agreement.

          4.4.1  Amount of Benefit. The benefit under this Section 4.3 is the
     Deferral Account balance at the Executive's Termination of Employment.

          4.4.2 Payment of Benefit. The Company shall pay the benefit to the
     Executive in a lump sum within ninety (90) days of a Change of Control.

     4.5  Hardship Distribution. Upon the Board of Director's determination
(following petition by the Executive) that the Executive has suffered an
unforeseeable financial emergency as described in Section 2.2.2, the Company
shall distribute to the Executive all or a portion of the Deferral Account
balance as determined by the Company, but in no event shall the distribution be
greater than is necessary to relieve the financial hardship.

                                    Article 5
                                 Death Benefits

     5.1  Death During Active Service. If the Executive dies while in the active
service of the Company, no benefit shall be payable under this Agreement.

                                    Article 6
                                  Beneficiaries

     6.1  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.

     6.2  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 incompetence,
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.

                                    Article 7
<PAGE>
                               General Limitations

     7.1  Termination for Cause. Notwithstanding any provision of this Agreement
to the contrary, the Company shall not pay any benefit under this Agreement that
is in excess of the Executive's Deferrals the interest earned on the Deferral
Account) if the Company terminates the Executive's employment for:

          (a)  Gross negligence or gross neglect of duties to the Company;

          (b)  Commission of a felony or of a gross misdemeanor involving moral
     turpitude in connection with the Executive's employment with the Company;
     or

          (c)  Fraud, disloyalty, dishonesty or willful violation of any law or
     significant Company policy committed in connection with the Executive's
     employment and resulting in an adverse effect on the Company.

The Executive's Deferrals shall be paid to the Executive in a manner to be
determined by the Company. No interest shall be credited to the Deferrals during
any applicable installment period.

     7.2  Suicide or Misstatement. The Company shall not pay any benefit under
this Agreement exceeding the Deferral Account if the Executive commits suicide
within three years after the date of this Agreement. In addition, the Company
shall not pay a benefit under this Agreement exceeding the Deferral Account if
the Executive has made any material misstatement of fact on an employment
application or resume provided to the Company, or on any application for any
benefits provided by the Company to the Executive.

                                    Article 8
                          Claims and Review Procedures

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

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

          8.1.2  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.

          8.1.3  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,
<PAGE>
               (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.

     8.2  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:

          8.2.1  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.

          8.2.2  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.

          8.2.3  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.

          8.2.4  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.

          8.2.5  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).
<PAGE>
                                    Article 9
                           Amendments and Termination

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

     Notwithstanding the previous paragraph in this Article 9, the Company may
amend or terminate this Agreement at any time if, pursuant to legislative,
judicial or regulatory action, continuation of the Agreement would (i) cause
benefits to be taxable to the Executive prior to actual receipt, or (ii) result
in significant financial penalties or other significantly detrimental
ramifications to the Company (other than the financial impact of paying the
benefits). In no event shall this Agreement be terminated under this section
without payment to the Executive of the Deferral Account balance attributable to
the Executive's Deferrals and interest credited on such amounts.

                                   Article 10
                                  Miscellaneous

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

     10.2  No Guarantee of Employment. This Agreement is not a contract for
employment. 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.

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

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

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

     10.6  Unfunded Arrangement. The Executive and the Executive's 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 the Executive's
beneficiary have no preferred or secured claim.

     10.7  Reorganization. The Company shall not merge or consolidate into or
with another company, or reorganize, or sell substantially all of its assets to
another company, firm, or person unless such succeeding or continuing company,
firm, or person agrees to assume and discharge the obligations of the Company
under this Agreement. Upon the occurrence of such event, the term "Company" as
used in this Agreement shall be deemed to refer to the successor or survivor
<PAGE>
company.

     10.8  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.

     10.9  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.

     10.10  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 this 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
have signed this Agreement.

Executive:                                        Company:

                                                  Temecula Valley Bank

/s/ Thomas P. Ivory                           By  /s/ Donald A. Pitcher
-------------------                               ---------------------
Tom Ivory                                     Title Executive Vice President/CFO

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