Document:

EXHIBIT 10.7.1

                            Southwest Community Bank
                            ------------------------

                                  AMENDMENT TO
                 ENDORSEMENT METHOD SPLIT DOLLAR PLAN AGREEMENT

         This Amendment dated April 19, 2006 amends the Endorsement Method Split
Dollar Plan Agreement between Southwest Community Bank (the "Bank") and Frank J.
Mercardante (the "Insured") executed November 20, 2001 (the "Agreement").

1.       Notwithstanding any other provision of the Policy or the Agreement, it
is intended that any payment or benefit which is provided to the Insured
pursuant to or in connection with the Policy or this Agreement which is
considered to be nonqualified deferred compensation subject to Section 409A of
the Code shall be provided and paid in a manner, and at such time and in such
form, as complies with the applicable requirements of Section 409A of the Code
to avoid the unfavorable tax consequences provided therein for noncompliance.

2.       The Agreement shall otherwise remain in full force and effect as
written.

IN WITNESS WHEREOF, the parties have executed this Amendment as of the date
first written above.

BANK:

Southwest Community Bank

By:    /s/ Howard B. Levenson
   ------------------------------

Name:    Howard B. Levenson
      -------------------------

Its:      Chairman
     --------------------------

INSURED:

  /s/ Frank J. Mercardante
----------------------------
Frank J. MercardanteEXHIBIT 10.9.4

                            Southwest Community Bank
                            ------------------------

                               SECOND AMENDMENT TO
                  EXECUTIVE SUPPLEMENTAL COMPENSATION AGREEMENT

         This Amendment dated April 19, 2006 amends the Executive Supplemental
Compensation Agreement between Southwest Community Bank (the "Bank") and Stuart
McFarland (the "Executive") dated October 1, 2002, as amended October 29, 2004
(the "Agreement").

         The parties desire to amend the Agreement so that it complies with
Internal Revenue Code Section 409A, which was promulgated pursuant to the
American Jobs Creation Act of 2004. Accordingly, the parties agree that the
Agreement shall be amended as follows:

1.       Subparagraph 1.2 shall be amended in its entirety to read:

                  "1.2 Applicable Percentage. The term "Applicable Percentage"
         shall mean that percentage listed on Schedule A attached hereto which
         is adjacent to the date range which includes the date on which payments
         are to commence under the terms of this Agreement. However, if the
         Executive's employment is terminated without cause, then for purposes
         of calculating the benefit under subparagraph 5.1, the Applicable
         Percentage as shown on Schedule B shall be accelerated by two years.
         For purposes of the benefits under subparagraph 5.4 following a Change
         in Control, the Applicable Percentage shall be one hundred percent
         (100%). With regard to the Executive's Constructive Termination of
         Employment following a Change in Control, the preceding sentence only
         applies if the Constructive Termination of Employment occurs within 365
         days after the Change in Control and the Executive has not accepted an
         employment contract with the new employer that is for a term of at
         least two years."

2.       Subparagraph 1.6 shall be amended in its entirety to read:

                  "1.6 Disability/Disabled. The term "Disability" or "Disabled"
         shall mean the Executive (i) is unable to engage in any substantial
         gainful activity by reason of any medically determinable physical or
         mental impairment which can be expected to result in death or can be
         expected to last for a continuous period of not less than twelve (12)
         months, or (ii) is, by reason of any medically determinable physical or
         mental impairment which can be expected to result in death or can be
         expected to last for a continuous period of not less than twelve (12)
         months, receiving income replacement benefits for a period of not less
         than three (3) months under an accident and health plan covering
         employees of the Bank."

3. Subparagraph 3.1 shall be amended in its entirety to read:

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                  "3.1 Payments After Normal Retirement Age. If the Executive
         remains in the continuous employment of the Bank until attaining
         sixty-two (62) years of age, the Executive shall be entitled to be paid
         the Applicable Percentage of the Executive Benefits, as defined in
         Schedule B, in substantially equal monthly installments on the first
         day of each month, beginning with the month following the month in
         which the Executive Retires or is terminated by the Bank without cause,
         payable until the Executive's death. The commencement date for payments
         is subject to Paragraph 10 below."

4.       Subparagraph 5.1 shall be amended in its entirety to read:

                  "5.1 Termination Without Cause. If the Executive's employment
         is terminated by the Bank without cause or by the Executive as a result
         of a Constructive Termination of Employment, and such termination is
         not subject to the provisions of subparagraph 5.4 below, then the
         Executive shall be entitled to be paid the Applicable Percentage of the
         Executive Benefits, as defined above, calculated as of the end of the
         year following the year in which the Executive is terminated, as if the
         employment had continued to such date, in substantially equal monthly
         installments on the first day of each month, beginning with the month
         following the month in which the Executive attains sixty-two (62) years
         of age. The commencement date for payments is subject to Paragraph 10
         below."

5.       Subparagraph 5.2(a) shall be amended in its entirety to read:

                  "5.2 Voluntary Termination by Executive.

                       (a) If the Applicable Percentage is one hundred
         percent (100%), the Executive shall be entitled to be paid the
         Applicable Percentage of the Executive Benefits, as defined in Schedule
         B, in substantially equal monthly installments on the first day of each
         month, beginning with the month following the month in which the
         Executive attains sixty-two (62) years of age. The commencement date
         for payments is subject to Paragraph 10 below."

6.       Subparagraph 5.4 shall be amended in its entirety to read:

                  "5.4 Termination on Account of or After a Change in Control.
         In the event: (i) the Executive's employment with the Bank is
         terminated by the Bank in conjunction with, or by reason of, a "Change
         in Control" (as defined in subparagraph 1.3 above) or (ii) there is a
         Constructive Termination of Employment after the Change in Control,
         then the Executive shall be entitled to be paid the Applicable
         Percentage of the Executive Benefits, as described in Schedule B, in
         substantially equal monthly installments on the first day of each
         month, beginning the month following the termination of employment by
         the Bank or the Constructive Termination of Employment, payable until
         the Executive's death. The commencement date for payments is subject to
         Paragraph 10 below."

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<PAGE>

7.       Paragraph 6 shall be amended to add the following sentence and shall
otherwise remain in its entirety:

         "All efforts by the Bank and the Executive to minimize the amount of
excise tax imposed by Section 4999 of the Code shall be in accordance with
Section 409A of the Code."

8.       Paragraph 10 shall be amended in its entirety to read:

                  "10 Delay of Payment if Specified Employee. Other than with
         respect to benefits paid in the event of Disability under Paragraph 4,
         if at the time the Executive's employment terminates the Executive is a
         "specified employee," as defined in Section 409A of Code, the Executive
         Benefits shall not commence until the later of (a) the commencement
         date otherwise set forth in the applicable paragraph of this Agreement
         or (b) a date which is six months after the date of Executive's
         termination of employment with the Bank. Furthermore, for any Executive
         affected by this six (6) month delay in payment imposed by Section 409A
         of the Code, and when applicable, the aggregate amount of the first
         seven (7) months of installments shall be paid at the beginning of the
         seventh month following the date of termination of employment. Monthly
         installment payments shall continue thereafter as specified. If any
         provision of this Employment Agreement does not satisfy the
         requirements of Section 409A of the Code, such provision shall be
         applied in a manner consistent with those requirements."

9.       Subparagraph 11.10 shall be amended in its entirety to read:

                  "11.10 Amendments and Changes in Timing of Distributions. Any
         amendments or modifications of this Agreement shall be effective only
         if it is in writing and signed by each party or such party's authorized
         representative. Notwithstanding the foregoing, this Agreement may not
         be amended to accelerate the timing of distributions of the Executive
         Benefits unless such acceleration is permissible under Section 409A of
         the Code. With the consent of the Bank, the Executive may elect a delay
         in the payment or a change in the form of payment, subject to the
         following limitations:

                       (a) the election may not take effect until at least
         twelve (12) months after the date on which the election is made;

                       (b) other than in the event of death or Disability,
         the first payment with respect to such election must be deferred for a
         period of at least five (5) years from the date such payment otherwise
         would have been made; and

                       (c) an election related to a payment to made at a
         specified time may not be made less than twelve (12) months prior to
         the date of the first scheduled payment."

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<PAGE>

10.      Subparagraph 11.14 shall be added and read:

                  "11.14 IRC 409A Compliance. Notwithstanding any other
         provision of Agreement, it is intended that any payment or benefit
         which is provided pursuant to or in connection with this Agreement
         shall be provided and paid in a manner, and at such time and in such
         form, as complies with the applicable requirements of Section 409A of
         the Code to avoid the unfavorable tax consequences provided therein for
         non-compliance. Any provision in this Agreement that is determined to
         violate the requirements of Section 409A shall be void and without
         effect. To the extent permitted under Section 409A, the parties shall
         reform the provision, provided such reformation shall not subject the
         Executive to additional tax or interest and the Bank shall not be
         required to incur any additional compensation as a result of the
         reformation. In addition, any provision that is required to appear in
         this Agreement that is not expressly set forth shall be deemed to be
         set forth herein, and this Agreement shall be administered in all
         respects as if such provision were expressly set forth. References in
         this Agreement to Section 409A of the Code include rules, regulations,
         and guidance of general application issued by the Department of the
         Treasury under Internal Revenue Code Section 409A."10. Except as
         specifically amended herein, the Agreement shall remain in full force
         and effect.

11.      Except as specifically amended herein, the Agreement shall remain in
full force and effect.

                           [Signature Page to Follow]

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<PAGE>

         IN WITNESS WHEREOF, the parties have executed this Amendment as of the
date first written above.

BANK:

Southwest Community Bank

By:  /s/ Howard B. Levenson
    ---------------------------

Name:  Howard B. Levenson
      ------------------------

Its:    Chairman
     --------------------
THE EXECUTIVE:

  /s/ Stuart McFarland
------------------------
Stuart McFarland

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