Document:

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                                  EXHIBIT 10.6

                           CHANGE IN CONTROL AGREEMENT
                           ---------------------------

-----------------------
Date

Dale McKinney
3915 Fairley
Dallas, TX 75209

Dear Dale,

It is a pleasure to extend to you this offer of employment as CHIEF FINANCIAL
OFFICER at Capital Corp of the West and, subject to regulatory
"non-disapproval", County Bank. We are proud of our commitment to our
shareholders, customers and community and believe you will be a valuable
asset to our team. Please review the initial terms and conditions of your
employment, as summarized for you below - they will supersede any other
verbal and/or written communications that have taken place between you and
any employee or agent of County Bank, or Capital Corp of the West.

         The position of Chief financial Officer with a beginning salary of
         $10,833.33 per month. Performance and salary will be reviewed annually
         with other officers beginning February 1, 2000.

         Eligibility to participate in the executive bonus plan, as adopted each
         year by the Board of Directors, effective February 1, 1999, or your
         date of hire.

         Upon Approval by the Board of Directors you will be awarded: 1) the
         title of Senior Vice-President, and ; 2) options for 10,000 shares of
         Capital Corp of the West stock.  Stock options vest as follows: 25% at
         time of grant and 25% per year thereafter to 100% after 3 years of
         service.  The options have an acceleration provision in the case of
         change of control.

         Upon approval by the Board of Directors, you will be eligible for a
         Salary Continuation Plan, which will provide you with up to $60,000 per
         year for fifteen years after you retire at the age of 65. Benefits of
         this plan vest as follows: 0% up to 4 years of service, then 40% after
         4 years of service and 10% each year thereafter to 100% after 10 years
         of service. Benefit becomes 100% vested automatically in the event of a
         change of control. Benefit is subject to taking an insurance physical.
         Any rating resulting from the physical would affect the salary
         continuation plan benefit.
<PAGE>

                                                        ___________________ Date
                                                                   Dale McKinney
                                                             Offer of Employment
                                                                          Page 2

         Payment of a non-accountable moving allowance of $30,000 upon
         satisfactory proof of relocation. We will provide up to eight (8) round
         trip airplane tickets between Dallas and Fresno/Merced which you agree
         to make best efforts to order with sufficient notice to obtain advance
         purchase discounts.

         All Standard employee health benefits, including: medical, dental,
         vision, life, and long term disability coverage to commence on the date
         of hire. The usual 90 day waiting period will be waived. Benefit for
         Life and AD&D is 3x annual salary, and LTD pays 60% of monthly pay, up
         to $6,000, after 90 days of disability.

         Annual paid time off of up to twenty days beginning in 1999. Per our
         policy, this is comprised of 16 days of accrued vacation and 4
         Performance Bonus days, which are awarded based upon annual review
         ratings and available to you in 2000.

         Eligibility to participate in our 401 (k) plan effective 1/1/2000, and
         enrollment, automatically, in our non-contributory Employee Stock
         Ownership Plan effective 7/1/2000, provided all eligibility
         requirements are met.

         For a period not to exceed ninety (90) days form your date of hire,
         Capital Corp to the West agrees to provide housing and utilities, at
         it's expense, for your personal use.

         Severance Payment: It is agreed that if your employment is terminated
         early by employer for any reason other than for "cause", you shall be
         entitled to a Severance Payment. This would constitute a right to
         continue to receive your regular monthly salary, at the then current
         rate of compensation, for twelve (12) consecutive months. This is
         contingent upon your having permanently relocated to Merced. It is
         expressly agreed that the payments of cash shall be received by you in
         full satisfaction of any and all claims and/or damages which may be
         sustained by you by reason of you early termination.

         Acquisition Payment: Upon the consummation of any event by which
         substantially all of the stock and/or assets of Capital Corp of the
         West are acquired by a person, a group of persons, a financial
         institution or other entity, and as a result of which your duties,
         responsibilities and compensation are substantially changed, you shall
         receive an Acquisition payment in the amount equal to six (6) month's
         regular salary at your then current rate of compensation.

         By your signature below you understand and agree that under no
         circumstances would you be entitled to receive both the Acquisition
         Payment and the Severance Payment.
<PAGE>

                                                              ______________Date
                                                                   Dale McKinney
                                                             Offer of Employment
                                                                          Page 3

If you agree to accept employment under these terms and conditions, please sign
below where indicated.

On behalf of Capital Corp of the West, I look forward to having you join our
team.

Sincerely,

/s/ Donielle Kramer
-------------------

Donielle Kramer
Assistant Vice President
Personnel Officer

         Capital Corp of the West, to include subsidiaries, is an at-will
         employer and employs the policy of allowing its employees to terminate
         their employment relationship at any time, for any reason, with or
         without notice. The company also reserves the right to terminate the
         relationship at any time, for any reason, with or without notice. Any
         deviation from this policy must be made in writing by the President of
         Board of Directors.
<PAGE>

                                                              ______________Date
                                                                   Dale McKinney
                                                             Offer of Acceptance
                                                                          Page 4

                                   ACCEPTANCE

         I accept this offer of employment and understand that this offer
         supersedes any previous offer or discussion that may have taken place
         between myself and any employee or agent of Capital Corp of the West.

         Furthermore, I understand that this offer is subject to regulatory
         notice of non-disapproval and satisfactory completion of a background
         and credit history check; and

         I understand that I must provide satisfactory records to document my
         eligibility to work In the United States; and

         I understand that I must be bondable.

                                ------------------------------------------------
                                Signature                                   Date<PAGE>

                                  EXHIBIT 10.7

                                   COUNTY BANK

                         DEFERRED COMPENSATION AGREEMENT

         This Deferred Compensation Agreement ("Agreement") is made this
________ day of _____________, 1995, by and between Capital Corp of the West, a
California corporation and County Bank, a California banking corporation on the
one hand (Collectively the "Bank"), their successors or assigns, and
____________________________ (the "Director").

                                     RECITAL

         To encourage the Director to remain a member of the Bank's Board of
Directors, the Bank is willing to provide to the Director a deferred
compensation opportunity.  The Bank will pay the benefits from its general
assets.  The Bank will purchase a life insurance policy on the Director's
life, owned by the Bank and with the Bank as the sole beneficiary, in order
to provide the director or his or her beneficiary with certain benefits
payable upon the death of the Director, or upon the Director's normal
termination date.

                                    AGREEMENT

         The Director and the Bank agree as follows:

                                    ARTICLE 1

                                   DEFINITIONS

         1.1 DEFINITIONS.  Whenever used in this Agreement, the following words
and phrases shall have the meanings specified:
<PAGE>

1.1.1             A "Change of Control" shall be deemed to have occurred
     if (i) a tender offer shall be make and consummated for the ownership of
     25% or more of the outstanding voting securities of the Bank; (ii) the Bank
     shall be merged or consolidated with another bank or corporation and as a
     result of such merger or consolidation less than 75% of the outstanding
     voting securities or the surviving or resulting bank or corporation shall
     be owned in the aggregate by the former shareholders of the Bank, other
     than affiliates (within the meaning of the Securities Exchange Act of 1934)
     of the party to such merger or consolidation, as the same shall have
     existed immediately prior to such merger of consolidation; (iii) the Bank
     shall sell substantially all of its assets to another bank or corporation
     which is not a wholly owned subsidiary; or (iv) a person, within the
     meaning or Section 3(a)(9) or of Section 13(d)(3) (as in effect on the
     date hereof) of the Securities Exchange Act of 1934, shall acquire 25% or
     more of the outstanding voting securities of the Bank (whether directly,
     indirectly, beneficially or of record). For purposes hereof, ownership of
     voting securities shall take into account and shall include ownership as
     determined by applying the provisions of Rule 13d-3(d)(1)(i) (as in
     effect on the date hereof) pursuant to the Securities Exchange Act of 1934.

     1.1.2     "Code" means the Internal Revenue Code of 1986, as amended.
              References to a Code section shall be deemed to be to that section
              as it now exists and to any successor provision.

     1.1.3     "Disability" shall mean the inability of the Director to perform
              the duties and responsibilities of his or her position with the
              Bank in a normal and regular manner, due to mental or physical
              illness of injury, for a period of ninety (90) consecutive days,
              or for fifty percent (50%) of more of the normal working days
              during a period of one hundred eighty (180) consecutive days.
              Determination of the Director's Disability shall be made by the
              Bank's Board of Director's, which determination shall not be
              unreasonable or arbitrary and shall be supported by medical
              opinion. The Director shall be ineligible to participate in such
              disability determination. Director shall, if requested by the
              Bank's board of Directors, submit to a mental or physical
              examination to assist the Board of Directors in making its
              determination of Disability hereunder. The psychiatrist or
              physician performing such examination shall be selected by the
              Bank and Director, or the Director's representative if the
              Director is not able to participate in such selection.

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

     1.1.5     "Fees" means the total director's fees payable to the Director.

     1.1.6     "Normal Termination Date" means the Director attaining age
              seventy (70) and completing ten (10) Years of Service beginning
              on the date of this Agreement.

     1.1.7     "Termination of Service" means the Director ceasing to be a
              member of the Bank's Board of Directors for any reason whatsoever.
<PAGE>

     1.1.8     "Years of Service" means the total number of twelve-month periods
            during which the Director serves as a member of the Bank's Board
            of Directors.

                                    ARTICLE 2

                                DEFERRAL ELECTION

     2.1       INITIAL ELECTION. The Director shall make as initial deferral
          election under this Agreement by filing with the Bank a signed
          Election Form within 30 days after the date of this Agreement. The
          Election Form shall set forth the amount of Fees to be deferred and
          the form of benefit payment.  The Election Form shall be effective to
          defer only Fees earned after the date the Election Form is received by
          the Bank.

     2.2       ELECTION CHANGES.

          2.2.1       GENERALLY.  The Director may modify the amount of Fees
               to be deferred by filing a subsequent signed Election Form
               with the Bank. The modified deferral shall not be effective
               until the calender year following the year in which the
               subsequent Election form is received by the Bank. The Director
               may not change the form of benefit payment initially elected
               under Section 2.1.

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

                                    ARTICLE 3

                                DEFERRAL ACCOUNT

     3.1       ESTABLISHING AND CREDITING. The Bank shall establish a Deferral
          Account on its books for the Director, and shall credit to the
          Deferral Account the following amounts:

          3.1.1       DEFERRALS.  The Fees deferred by the Director as of the
               time the fees would have otherwise been paid to the Director.
<PAGE>

          3.1.2       INTEREST.  On the first day of each month and immediately
                 prior to the payment of any benefits, interest on the account
                 balance at an annual rate, equal to the prime interest rate as
                 published in the West Coast edition of THE WALL STREET JOURNAL.
                 The interest rate shall be adjusted annually on January 1 and
                 shall continue unchanged for the year until the next adjustment
                 date.

     3.2         STATEMENT OF ACCOUNTS. The Bank shall provide to the Director,
          prior to April 15 of each 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 Director is a
          general unsecured creditor of the Bank for the payment of benefits.
          The benefits represent the mere promise by the Bank to pay such
          benefits. The Director's rights are not subject in any manner to
          anticipation, alienation, sale, transfer, assignment, pledge,
          encumbrance, attachment, or garnishment by the Director's creditors.

                                    ARTICLE 4

                                LIFETIME BENEFITS

     4.1         NORMAL TERMINATION BENEFIT. Upon the Director's Termination of
          Service on the normal termination date as described in Section 1.1.6,
          the Bank shall pay to the Director the benefit described in this
          Section 4.1.

          4.1.1       AMOUNT OF BENEFIT. The benefit under this Section 4.1 is
                 $13,914 per year for ten (10) years commencing on the date
                 elected by the Director.

          4.1.2       The benefit as described in 4.1.1 is in lieu of the
                 balance in the Deferral Account. Said balance reverts back to
                 the Bank.

     4.2         EARLY TERMINATION BENEFIT. If the Director terminates service
          as a director before the Normal Termination Date, and for reasons
          other than death or Disability, the Bank shall pay to the Director the
          benefit described in this Section 4.2.

          4.2.1       AMOUNT OF BENEFIT. The benefit under this Section 4.2 is
                 the Deferral Account balance at the time of early termination.

          4.2.2       PAYMENT OF BENEFIT. The Bank shall pay the benefit to the
                 Director in the form elected by the Director or on the Election
                 Form. The Bank shall continue to credit interest under Section
                 3.1.2.
<PAGE>

     4.3         DISABILITY BENEFIT. If the Director terminates service as a
          director for Disability prior to the Normal Retirement Date, the Bank
          shall pay to the Director the benefit described in this Section 4.3.

          4.3.1       AMOUNT OF BENEFIT. The benefit under this Section 4.3 is
                 the Deferral Account balance at the Director's Termination of
                 Service.

          4.3.2       PAYMENT OF BENEFIT. The Bank shall pay the benefit to the
                 Director in the form elected by the Director on the Election
                 Form. The Bank shall continue to credit interest under Section
                 3.1.2.

     4.4         CHANGE OF CONTROL BENEFIT. Upon a Change of Control while
          the Director is in the active service of the Bank, the Bank shall pay
          to the Director 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 4.4 is
                 the Deferral Account balance at the date of the Director's
                 Termination of Service.

          4.4.2       PAYMENT OF BENEFIT. The Bank shall pay the benefit to the
                 Director in a lump sum within ninety (90) days after the
                 Director's Termination of Service.

     4.5         HARDSHIP DISTRIBUTION. Upon the Bank's determination
          (following petition by the Director has suffered an unforeseeable
          financial emergency as described in Section 2.2.2, the Bank shall
          distribute to the Director all or a portion of the Deferral Account
          balance as determined by the Bank, 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 Director dies while in the
          active service of the Bank, the Bank shall pay to the Director's
          beneficiary the benefit described in this Section 5.1.

          5.1.1       AMOUNT OF BENEFIT. The benefit under Section 5.1 is an
                 annual amount of $13,914 for ten (10) years, commencing within
                 ninety (90) days following the day that the Bank receives
                 notification of the Director's death, and paid on that same
                 date annually thereafter until the tenth (10) year after the
                 Director's death.
<PAGE>

          5.1.2       The benefit as described in 5.1.1 is in lieu of the
                 balance in the Deferral Account. Said balance reverts back to
                 the Bank.

     5.2         DEATH DURING BENEFIT PERIOD. If the Director dies after benefit
          payments have commenced under this Agreement but before receiving all
          such payments, the Bank shall pay the remaining benefits to the
          Director's beneficiary at the same time and in the same amounts they
          would have been paid to the Director had the Director survived.

                                    ARTICLE 6

                                  BENEFICIARIES

     6.1         BENEFICIARY DESIGNATIONS. The Director shall designate a
          beneficiary by filing a written designation with Bank. The Director
          may revoke or modify the designation at any time by filing a new
          designation. However, designations will only be effective if signed by
          the Director and accepted by the Bank during the Director's lifetime.
          The Director's beneficiary designation shall be deemed automatically
          revoked if the beneficiary predeceases the Director, or if the
          Director names a spouse as beneficiary and the marriage is
          subsequently dissolved. If the Director dies without a valid
          beneficiary designation, all payments shall be made to the Director's
          surviving spouse, if any, and if none, to the Director's surviving
          children and the descendants of any deceased child by right of
          representation, and if no children of descendants survive, to the
          Director'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
          Bank 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 Bank may require proof of
          incompetency, minority or guardianship as it may deem appropriate
          prior to distribution of the benefit. Such distribution shall
          completely discharge the Bank from all liability with respect to
          such benefit

                                     ARTICLE 7

                                GENERAL LIMITATION

     7.1         SUICIDE. If the Director commits suicide within two (2) years
          after the date of this Agreement, or if the director has made any
          material misstatement of fact on any application for life insurance
          purchased by the Bank, the only benefits payable will be limited to
          the balance of the Deferral Account.
<PAGE>

          7.1.1       PAYMENT OF BENEFIT. The Bank shall pay the benefit to the
                 Director's beneficiary in the form elected by the Director on
                 the Election Form. The Bank shall continue to credit interest
                 under Section 3.1.2.

                                    ARTICLE 8

                          CLAIMS AND REVIEW PROCEDURES

     8.1          CLAIMS PROCEDURE. The Bank shall notify the Director's
          beneficiary in writing, within ninety (90) days of his or her
          written application for benefits, of his or her eligibility or none
          eligibility for benefits under this Agreement. If the Bank
          determines that the beneficiary is not eligible for benefits or
          full benefits, the notice shall set forth (1) the specific reasons
          for such denial, (2) a specific reference to the provisions of this
          Agreement on which the denial is based, (3) a description of any
          additional information or material necessary for the claimant to
          perfect his or her claim, and a description of why it is needed,
          and (4) an explanation of this Agreement's claims review procedure
          and other appropriate information as to the steps to be taken if
          the beneficiary wishes to have the claim reviewed. If the Bank
          determines that there are special circumstances requiring
          additional time to make a decision, the Bank shall notify the
          beneficiary of the special circumstances and the date by which a
          decision is expected to be made, and may extend the time for up to
          an additional ninety (90) day period.

     8.2         REVIEW PROCEDURE. If the beneficiary is determined by the
          Bank not to be eligible for benefits, or if the beneficiary
          believes that he or she is entitled to greater or different
          benefits, the beneficiary shall have the opportunity to have such
          claim reviewed by the Bank by filing a petition for review with the
          Bank within sixty (60) days after receipt of the notice issued by
          the Bank. Said petition shall state the specific reasons which the
          beneficiary believes entitle him or her to benefits or to greater
          or different benefits. Within sixty (60) days after receipt by the
          Bank of the petition, the Bank shall afford the beneficiary (and
          counsel, if any) an opportunity to present his or her position to
          the Bank orally or in writing, and the beneficiary (or counsel)
          shall have the right to review the pertinent documents. The Bank
          shall notify the beneficiary of its decision in writing within the
          sixty (60) day period, stating specifically the basis of its
          decision, written in a manner calculated to be understood by the
          beneficiary and the specific provisions of the Agreement on which
          the decision is based. If, because of the need for a hearing, the
          sixty (60) day period is not sufficient, the decision may be
          deferred for up to another sixty (60) day period at the election of
          the Bank, but notice of this deferral shall be given to the
          beneficiary.

<PAGE>

                                    ARTICLE 9

                           AMENDMENTS AND TERMINATION

     9.1         AMENDMENT. The Bank 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 Director prior to actual receipt,
          (ii) result in significant financial penalties or other
          significantly detrimental ramifications to the Bank (other than
          the financial impact of paying the benefits) or (iii) is
          prohibited by law, regulation or order of a banking regulatory
          agency. In no event shall this Agreement be terminated without
          payment to the Director of the Deferral Account balance
          attributable to the Director's deferrals and interest credited on
          such amounts pursuant to Section 3.1.2.

                                   ARTICLE 10

     10.1        NON-ASSIGNABLE. Neither the Director, his or her
          spouse, nor any other beneficiary under this Agreement shall have
          any power or right to transfer, assign, anticipate, hypothecate,
          mortgage, commute, modify, or otherwise encumber in advance any of
          the benefits payable hereunder, nor shall any of said benefits be
          subject to seizure for the payment of any debts, judgments,
          alimony or separate maintenance, owed by the Director or his or
          her beneficiary of any of them, or be transferable by operation of
          law in the event of bankruptcy, insolvency or otherwise.

     10.2        UNSECURED GENERAL CREDITOR. The Director's rights
          are limited to the right to receive payments as provided in this
          Agreement and the Director's position with respect thereto is that
          of a general unsecured creditor of the Bank.

     10.3        REORGANIZATION. The Bank shall not voluntarily
          engage in a Change of Control of the Bank unless and until such
          succeeding or continuing corporation, bank, firm, entity or person
          agrees to assume and discharge the obligations of the Bank under
          this Agreement. Upon the occurrence of such event, the term"Bank"
          as used in this Agreement shall be deemed to refer to such
          successor or survivor corporation, bank, firm or person.

     10.4        NOT A GUARANTEE OF ELECTION AS DIRECTOR. This
          Agreement shall not be deemed to constitute a contract or
          agreement that the Bank shall be required to propose the Director
          as a nominee for election to the Board of Directors of the Bank or
          to have the Bank's proxy holders vote in favor of the election of
          the Director to the Bank's Board of Directors.
<PAGE>

     10.5        LIQUIDATED DAMAGES. The parties hereto, before
          entering into this Agreement, have been concerned with the fact
          that substantial damages will be suffered by Director in he event
          that the Bank shall fail to perform according to this Agreement.
          In the event of nonperformance by the Bank for a period of thirty
          (30) days from the time any such payment was scheduled to be made
          pursuant to this Agreement, Director shall immediately be entitled
          to liquidated damages equal to one and one-half (1-1/2) times the
          remaining payments due Director under this Agreement. This
          provision shall not be applicable in the event that such
          nonpayment is the result of prohibition of such payment by law,
          regulation or order of a banking regulatory agency.

     10.6        SUCCESSORS AND ASSIGNS; ASSIGNMENT. The rights
          and obligations of this Agreement shall be binding upon and inure
          to the benefit of the successors, assigns, heirs and personal
          representatives of the parties hereto. Director may not assign
          this Agreement of any of Director's rights hereunder except with
          the prior written consent of the Bank.

     10.7        SEVERABILITY. If any provision of this Agreement,
          as applied to either party or to any circumstance, is judged by a
          court to be void or unenforceable, in whole or in part, the same
          shall in no way affect any other provision of this Agreement, the
          application of such provision in any other circumstances, or the
          validity or enforce ability of this Agreement.

     10.8        APPLICABLE LAW; JURISDICTION AND VENUE. This
          Agreement and all matters or issues collateral hereto shall be
          governed by the laws of the State of California applicable to
          contracts performed entirely therein. Director and Bank each
          consent to the jurisdiction of, and any action concerning this
          Agreement shall be brought and tried in, the United States
          District Court for the Eastern District of California or the
          Superior or Municipal court for the County of Merced.

     10.9        WAIVER. A waiver by either party of any of the
          terms or conditions of this Agreement in any one instance shall
          not be deemed or construed to be a waiver of such terms or
          conditions for the future, or of any subsequent breach thereof.
          All remedies, rights, undertakings, obligations, and agreements
          contained in this Agreement shall be cumulative, and none of them
          shall be in limitation of any other remedy, right, undertaking,
          obligation or agreement of either party.

     10.10       ATTORNEY'S FEES. If any legal action or other
          proceeding is brought for the enforcement of the Agreement, or
          because of an alleged dispute, breach, default, or
          misrepresentation in connection with any of the provisions of this
          Agreement, the successful or prevailing party or parties shall be
          entitled to recover reasonable attorneys' fees and other costs
          incurred in that action or proceeding, in addition to any other
          relief to which it or they may be entitled.
<PAGE>

     10.11       HEADINGS. The headings in this Agreement are for convenience
          only and shall not in any manner affect the interpretation or
          construction of the Agreement or any of its provision.

     10.12       NOTICE. Any notice or other communication to be given under
          this Agreement shall be in writing and shall be deemed to have been
          duly given on the date of service if personally served, or if mailed,
          upon deposit in the United Sates mail, first class postage prepaid,
          express or certified, return receipt requested, and properly addressed
          to the parties as follows: if to Director at his last address shown in
          the Bank's records; if to Bank:

                                      County Bank
                                      505 West Main Street
                                      Merced, California 95340
                                      Attn: Chairman

          Either party may designate a new address for purposes of this
          Section 10.12 by giving the other notice of the new address as
          provided herein.
                IN WITNESS WHEREOF, the Bank has caused this Agreement to be
          duly executed by its proper officer and the Director has hereunto set
          his hand at Merced, California, the day and year first above written.

          COUNTY BANK:

          By:______________________________

          Its:______________________________

          DIRECTOR:

          --------------------------------
          DIRECTOR NAME
<PAGE>

                                    EXHIBIT I

                                  ELECTION FORM

This election form, when properly signed, shall become part of the Deferred
Compensation Agreement dated _________________________ by and between COUNTY
BANK and _________________________ (the "Director").

A.       DEFERRAL ELECTION

         The undersigned hereby elects to defer $_____________ (_______________)
         per month from his/her Director's fees, receivable as a director of
         County Bank. If the amount of fees receivable in any one month is less
         than the amount to be deferred, the deferral shall be 100% of the fees
         receivable.

B.       BENEFIT PAYMENT ELECTION

         1.       In case of a normal termination or death of the undersigned or
                  a change of control, the benefits are payable as described in
                  the Deferred Compensation Agreement.

         2.       In case of early termination or disability as set forth in the
                  Deferred Compensation Agreement, the undersigned wishes the
                  distribution of benefits to be as follows:

         / /      Lump sum distribution, provided that the total amount of
                  benefits does not exceed $25,000.00.

         / /      $___________ per year (not to exceed $25,000.00 per year)
                  until all benefits are paid out.

         / /      ________% of total benefits per year (not to exceed $25,000.00
                  per year) until all benefits are paid out.

SIGNED THIS ______________ DAY OF _____________________, 200____.

---------------------------------
THE "DIRECTOR"

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