Document:

Exhibit 10.1

                        CALIFORNIA WATER SERVICE COMPANY
                  AMENDMENT TO BANK OF AMERICA CREDIT AGREEMENT

         This FIRST  AMENDMENT  AGREEMENT,  dated as of September 23, 2002 (this
"Agreement"), is among the parties to that certain Credit Agreement, dated as of
July 31,  2001 (as  amended  to date  hereof,  the  "Credit  Agreement"),  among
CALIFORNIA WATER SERVICE  COMPANY,  a California  corporation (the  "Borrower"),
each lender from time to time party  hereto  (collectively,  the  "Lenders"  and
individually,  a "Lender"),  and BANK OF AMERICA, N.A., as Administrative Agent,
Swing Line Lender, and L/C Issuer.

         The parties hereto agree as follows:

         Section 1. Definitions.  Terms defined in the Credit Agreement are used
herein with the same meanings unless otherwise specifically defined herein.

         Section 2. Amendment to the Credit  Agreement.  The Credit Agreement is
hereby amended to:

         (a) Amend and restate in its entirety Section 6.13 thereof as follows:

                  6.13 Out of Debt. Not have any Borrowings  outstanding  for at
         least 30  consecutive  days during (i) the period from July 16, 2001 to
         December  31,  2001,  (ii) the period from January 1, 2002 to April 30,
         2003, and (iii) each calendar year after 2002.

         Section  3.  Effect.  Except as  specifically  set forth  herein,  this
Agreement does not limit,  modify,  amend, waive, grant any consent with respect
to, or otherwise  affect (a) any right,  power, or remedy of the  Administrative
Agent or any Lender under the Credit Agreement or any other Loan Document or (b)
any provision of the Credit  Agreement or any other Loan Document,  all of which
shall  remain in full force and effect and are hereby  ratified  and  confirmed.
This  Agreement  does not  entitle,  or imply any consent or  agreement  to, any
further or future  modification  of,  amendment  to,  waiver of, or consent with
respect to any provision of the Credit Agreement or any other Loan Document.

         Section 4. Conditions of  Effectiveness;  Amendment Fee. This Agreement
shall become effective as of the date hereof when the  Administrative  Agent has
received (a)  counterparts  hereof signed by the Borrowers and Required  Lenders
and (b) payment of a single  amendment  fee of $10,000  from the  Borrowers  and
California  Water Services Group,  with respect to this Agreement and the Second
Amendment  Agreement,  dated as of September 23, 2002,  among  California  Water
Services Group and CWS Utility Services,  Lender(s),  and Bank of America, N.A.,
such fee to be  allocated  among the Lenders in  accordance  with their Pro Rata
Shares. The Administrative  Agent shall promptly notify Borrowers and Lenders of
the effectiveness hereof.

         Section 5. Representations and Warranties. Each Borrower represents and
warrants that:

         (a) The  execution,  delivery and  performance by the Borrowers of this
Agreement is within each  Borrower's  powers,  have been duly  authorized by all
necessary  organizational  action, and require no action by or in respect of, or
filing with,  any  governmental  body,  agency or official,  and the  execution,
delivery and performance by the Borrowers of this Agreement does not contravene,
or constitute a default under, any provision of applicable law or regulations or
of  the  Organization   Documents  of  Borrowers  or  any  of  their  respective
Subsidiaries, or any material agreement,  judgment, injunction, order, decree or
other instrument binding upon Borrowers or any of their respective  Subsidiaries
or any  assets  of any  Borrower  or any of its  Subsidiaries,  or result in the
creation or  imposition  of any lien on any asset of any  Borrower or any of its
Subsidiaries.

         (b) This  Agreement  constitutes  the valid and binding  obligations of
each Borrower,  enforceable  against each Borrower in accordance with its terms,
except as enforceability  may be subject to applicable  bankruptcy,  insolvency,
reorganization,  moratorium or other laws now or hereafter in effect relating to
creditors'  rights,  and to general  principles of equity (regardless of whether
enforcement is sought in a proceeding in equity or at law).

                                                                              22
<PAGE>

         (c) After giving effect to this Agreement,  no Default has occurred and
is continuing,  and after giving effect to this Agreement,  the  representations
and warranties of Borrowers contained in the Credit Agreement and the other Loan
Documents  delivered  pursuant  thereto  are true and  correct  in all  material
respects  as of the date  hereof  as if made on the  date  hereof,  unless  they
specifically relate to an earlier date.

         Section 6. Counterparts;  Facsimile  Signatures.  This Agreement may be
executed  in any  number of  counterparts  and by  different  parties  hereto in
separate  counterparts,  each of which when so executed and  delivered  shall be
deemed to be an original with the same effect as if all the  signatures  were on
the same instrument.  Delivery of an executed  counterpart of the signature page
to this  Agreement  by  telecopier  shall be effective as delivery of a manually
executed  counterpart  of this  Agreement.  Any  party  delivering  an  executed
counterpart  of the  signature  page  to  this  Agreement  by  telecopier  shall
thereafter  promptly deliver a manually executed  counterpart of this Agreement,
but the failure to deliver such manually  executed  counterpart shall not affect
the validity, enforceability, and binding effect of this Agreement.

         Section 7. Governing  Law,  Submission to  Jurisdiction,  and Waiver of
Jury Trial. THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH
THE INTERNAL LAWS OF THE STATE OF CALIFORNIA AND IS SUBJECT TO THE PROVISIONS OF
SECTION  10.16 AND 10.17 OF THE CREDIT  AGREEMENT,  RELATING  TO  SUBMISSION  TO
JURISDICTION AND WAIVER OF JURY  TRIAL/ARBITRATION,  THE PROVISIONS OF WHICH ARE
BY THIS REFERENCE HEREBY INCORPORATED HEREIN IN FULL.

                                                                              23
<PAGE>

BORROWER:                         CALIFORNIA WATER SERVICE GROUP

                                  By /s/ Gerald F. Feeney
                                     -------------------------------------------
                                     Name: Gerald F. Feeney
                                           -------------------------------------
                                  Title: Vice President, Chief Financial Officer
                                         ---------------------------------------

                                                CWS UTILITY SERVICES

                                  By /s/ Gerald F. Feeney
                                     -------------------------------------------
                                     Name: Gerald F. Feeney
                                           -------------------------------------
                                  Title: Vice President, Chief Financial Officer
                                         ---------------------------------------

ADMINISTRATIVE AGENT:             BANK OF AMERICA, N.A., as Administrative
                                      Agent

                                  By /s/ Dora A. Brown
                                     -------------------------------------------
                                     Name: Dora A. Brown
                                           -------------------------------------
                                  Title: Vice President
                                         ---------------------------------------

LENDERS:                         BANK OF AMERICA, N.A., as a Lender,
                                   Issuer and Swing Line Lender

                                  By /s/ John C. Pleque
                                     -------------------------------------------
                                     Name: John C. Pleque
                                           -------------------------------------
                                  Title: Senior Vice President
                                         ---------------------------------------

                                  WELLS FARGO BANK, NATIONAL
                                  ASSOCIATION, as a Lender

                                  By /s/ Kevin Herr
                                     -------------------------------------------
                                     Name: Kevin Herr
                                           -------------------------------------
                                  Title: Vice President
                                         ---------------------------------------

                                                                              24EXHIBIT 10.2

                         CALIFORNIA WATER SERVICE GROUP
                              CWS UTILITY SERVICES
              SECOND AMENDMENT TO BANK OF AMERICA CREDIT AGREEMENT

         This SECOND AMENDMENT AGREEMENT,  dated as of September, 23, 2002 (this
"Agreement"), is among the parties to that certain Credit Agreement, dated as of
July 31,  2001 (as  amended  to date  hereof,  the  "Credit  Agreement"),  among
CALIFORNIA WATER SERVICE GROUP, a Delaware  corporation ("CWSG") and CWS UTILITY
SERVICES, a California  corporation ("CUS" -- CWSG and CUS are each a "Borrower"
and are, collectively and severally, the "Borrowers"),  each lender from time to
time party hereto  (collectively,  the "Lenders" and individually,  a "Lender"),
and BANK OF AMERICA,  N.A., as Administrative  Agent, Swing Line Lender, and L/C
Issuer.

         The parties hereto agree as follows:

         Section 1. Definitions.  Terms defined in the Credit Agreement are used
herein with the same meanings unless otherwise specifically defined herein.

         Section 2. Amendment to the Credit  Agreement.  The Credit Agreement is
hereby amended to:

         (a) Add a new defined term to Section 1.01  thereof,  to be inserted in
appropriate alphabetical order, as follows:

                  "Kaanapali  Acquisition"  means the acquisition by CWSG of the
         assets  of  Kaanapali  Water  Corporation;   provided  that  the  total
         consideration for the acquisition does not exceed $8,000,000.

         (b) Amend  Section 7.03 thereof by changing the period (".")  following
clause (d) to "; and" and adding a new clause (e) thereto as follows:

                  (e) CWSG may consummate the Kaanapali Acquisition.

         Section  3.  Effect.  Except as  specifically  set forth  herein,  this
Agreement does not limit,  modify,  amend, waive, grant any consent with respect
to, or otherwise  affect (a) any right,  power, or remedy of the  Administrative
Agent or any Lender under the Credit Agreement or any other Loan Document or (b)
any provision of the Credit  Agreement or any other Loan Document,  all of which
shall  remain in full force and effect and are hereby  ratified  and  confirmed.
This  Agreement  does not  entitle,  or imply any consent or  agreement  to, any
further or future  modification  of,  amendment  to,  waiver of, or consent with
respect to any provision of the Credit Agreement or any other Loan Document.

         Section 4. Conditions of  Effectiveness;  Amendment Fee. This Agreement
shall become effective as of the date hereof when the  Administrative  Agent has
received (a)  counterparts  hereof signed by the Borrowers and Required  Lenders
and (b) payment of a single  amendment  fee of $10,000  from the  Borrowers  and
California Water Services Company,  with respect to this Agreement and the First
Amendment  Agreement,  dated as of September 23, 2002,  among  California  Water
Services Company, Lender(s), and Bank of America, N.A., such fee to be allocated
among the Lenders in accordance with their Pro Rata Shares.  The  Administrative
Agent shall promptly notify Borrowers and Lenders of the effectiveness hereof.

         Section 5. Representations and Warranties. Each Borrower represents and
warrants that:

         (a) The  execution,  delivery and  performance by the Borrowers of this
Agreement is within each  Borrower's  powers,  have been duly  authorized by all
necessary  organizational  action, and require no action by or in respect of, or
filing with,  any  governmental  body,  agency or official,  and the  execution,
delivery and performance by the Borrowers of this Agreement does not contravene,
or constitute a default under, any provision of applicable law or regulations or
of  the  Organization   Documents  of  Borrowers  or  any  of  their  respective
Subsidiaries, or any material agreement,  judgment, injunction, order, decree or
other instrument binding upon Borrowers or any of their respective  Subsidiaries
or any  assets  of any

                                                                              25
<PAGE>

Borrower or any of its Subsidiaries,  or result in the creation or imposition of
any lien on any asset of any Borrower or any of its Subsidiaries.

         (b) This  Agreement  constitutes  the valid and binding  obligations of
each Borrower,  enforceable  against each Borrower in accordance with its terms,
except as enforceability  may be subject to applicable  bankruptcy,  insolvency,
reorganization,  moratorium or other laws now or hereafter in effect relating to
creditors'  rights,  and to general  principles of equity (regardless of whether
enforcement is sought in a proceeding in equity or at law).

         (c) After giving effect to this Agreement,  no Default has occurred and
is continuing,  and after giving effect to this Agreement,  the  representations
and warranties of Borrowers contained in the Credit Agreement and the other Loan
Documents  delivered  pursuant  thereto  are true and  correct  in all  material
respects  as of the date  hereof  as if made on the  date  hereof,  unless  they
specifically relate to an earlier date.

         Section 6. Counterparts;  Facsimile  Signatures.  This Agreement may be
executed  in any  number of  counterparts  and by  different  parties  hereto in
separate  counterparts,  each of which when so executed and  delivered  shall be
deemed to be an original with the same effect as if all the  signatures  were on
the same instrument.  Delivery of an executed  counterpart of the signature page
to this  Agreement  by  telecopier  shall be effective as delivery of a manually
executed  counterpart  of this  Agreement.  Any  party  delivering  an  executed
counterpart  of the  signature  page  to  this  Agreement  by  telecopier  shall
thereafter  promptly deliver a manually executed  counterpart of this Agreement,
but the failure to deliver such manually  executed  counterpart shall not affect
the validity, enforceability, and binding effect of this Agreement.

         Section 7. Governing  Law,  Submission to  Jurisdiction,  and Waiver of
Jury Trial. THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH
THE INTERNAL LAWS OF THE STATE OF CALIFORNIA AND IS SUBJECT TO THE PROVISIONS OF
SECTION  10.17 AND 10.18 OF THE CREDIT  AGREEMENT,  RELATING  TO  SUBMISSION  TO
JURISDICTION AND WAIVER OF JURY  TRIAL/ARBITRATION,  THE PROVISIONS OF WHICH ARE
BY THIS REFERENCE HEREBY INCORPORATED HEREIN IN FULL.

                                                                              26
<PAGE>

IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed
by their respective authorized signatories as of the date first above written.

BORROWER:                         CALIFORNIA WATER SERVICE GROUP

                                  By /s/ Gerald F. Feeney
                                     -------------------------------------------
                                     Name: Gerald F. Feeney
                                           -------------------------------------
                                  Title: Vice President, Chief Financial Officer
                                         ---------------------------------------

                                                CWS UTILITY SERVICES

                                  By /s/ Gerald F. Feeney
                                     -------------------------------------------
                                     Name: Gerald F. Feeney
                                           -------------------------------------
                                  Title: Vice President, Chief Financial Officer
                                         ---------------------------------------

ADMINISTRATIVE AGENT:             BANK OF AMERICA, N.A., as Administrative
                                      Agent

                                  By /s/ Dora A. Brown
                                     -------------------------------------------
                                     Name: Dora A. Brown
                                           -------------------------------------
                                  Title: Vice President
                                         ---------------------------------------

LENDERS:                         BANK OF AMERICA, N.A., as a Lender,
                                   Issuer and Swing Line Lender

                                  By /s/ John C. Pleque
                                     -------------------------------------------
                                     Name: John C. Pleque
                                           -------------------------------------
                                  Title: Senior Vice President
                                         ---------------------------------------

                                  WELLS FARGO BANK, NATIONAL
                                  ASSOCIATION, as a Lender

                                  By /s/ Kevin Herr
                                     -------------------------------------------
                                     Name: Kevin Herr
                                           -------------------------------------
                                  Title: Vice President
                                         ---------------------------------------

                                                                              27

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