Document:

Exhibit 10(ggg)

                             FIRST AMENDMENT TO THE
                        NORTH VALLEY BANCORP 401(K) PLAN
                        --------------------------------

This First Amendment (Amendment) to the North Valley Bancorp 401(k) Plan (Plan)
is hereby adopted by North Valley Bancorp (Employer).

                                    RECITALS
                                    --------

A.   Effective as of January 1, 1984, the Employer adopted the Plan.

B.   The Plan was restated in its entirety effective January 1, 1994 and was
     subsequently restated in its entirety on February 20, 1997.

C.   Effective July 1, 2002 the Plan was amended and restated to include certain
     changes required by the Uniform Services Employment and Reemployment Rights
     Act (USERRA), the Uruguay Round Agreement Act of 1994 (GATT), the Small
     Business Job Protection Act of 1996 (SBJPA '96), the Taxpayer Relief Act of
     1997 (TRA '97) and the Community Renewal Tax Relief Act of 2000.

D.   Effective October 12, 2000, North Valley Bancorp acquired Six Rivers
     National Bank. All employees who participated in the Six Rivers National
     Bank Profit Sharing 401(k) Plan (Six Rivers Plan) on the day before the
     acquisition were eligible to participate in this Plan on the first day of
     the payroll period following the acquisition date.

E.   Effective July 1, 2002, the Plan was amended to allow Participants to defer
     up to fifty percent (50%) of their compensation, to exclude severance pay
     and taxable fringe benefits from the definition of compensation for only
     salary deferral contributions, and to provide that salary deferrals can be
     reinstated on the first day of each month.

F.   Effective January 1, 2002, the Plan was amended to reflect certain changes
     required by the Economic Growth and Tax Relief Reconciliation Act of 2001
     (EGTRRA).

G.   Effective January 1, 2003, the Plan was amended by the former prototype
     plan sponsor, Diversified Investment Advisors, to adopt the provisions
     described in Question and Answer No. 3 of Final Treasury Regulations
     section 1.401(a)(9)-1 published on April 17, 2002 regarding the plan
     document provisions necessary to comply with Internal Revenue Code section
     401(a)(9).

                                      -1-
<PAGE>

H.   In August, 2004, the Employer amended the Plan to provide for the
     participation of the employees of Yolo Community Bank effective September
     1, 2004 as a result of the merger of Yolo Community Bank into new Yolo
     Community Bank, a wholly-owned subsidiary of North Valley Bancorp effective
     August 31, 2004, to provide for the crediting of prior service with Yolo
     Community Bank for purposes of eligibility, accrual of benefits and vesting
     under the Plan and to provide the Employer the opportunity to make safe
     harbor contributions to the Plan for each Plan Year that the Employer so
     elects and provides the required "safe harbor" notice under the Code.

I.   In September 2004, the Employer amended and restated the Plan to clarify
     and conform certain provisions with its original intent that was not
     accurately captured in the August 2004, amendment and restatement.

J.   The Employer now wishes to amend the Plan as follows:

     1.  In accordance with Code section 401(a)(31)(B) regarding mandatory
         distributions, to reduce the limit for making distributions without
         participant consent from Five Thousand Dollars ($5,000) to One Thousand
         Dollars ($1,000) effective March 28, 2005.

     2.  To change the matching contribution rate to 50% on every dollar up to
         the first 6% of the employee's compensation effective July 1, 2005.

                              OPERATIVE PROVISIONS
                              --------------------

In accordance with the foregoing recitals, the Employer hereby amends the Plan
as follows:

1.   Plan section 10.06.D is amended in its entirety effective March 28, 2005 to
     read as follows:

     D.  Participant and Spousal Consent for Distributions.
         -------------------------------------------------

         If the value of the Participant's Vested benefit does not exceed one
         thousand dollars ($1,000), the Plan Administrator may immediately
         distribute such benefit without such Participant's consent and without
         such Participant's spouse's consent. If the value of the Participant's
         Vested benefit exceeds one thousand dollars ($1,000) but does not
         exceed five thousand dollars ($5,000), the Plan Administrator may
         immediately distribute such benefit with the Participant's consent,
         however, such Participant's spouse's consent is not required. A
         participant's Vested benefit may not be paid prior to the later of the

                                      -2-
<PAGE>

         Participant's attainment of age sixty-two (62) or Normal Retirement Age
         without the written consent of the Participant and the Participant's
         spouse if the value exceeds five thousand dollars ($5,000). No
         distribution may be made under this subparagraph after the Annuity
         Starting Date unless the Participant and the Participant's spouse (or
         where the Participant has died, the surviving spouse) consents in
         writing to such distribution.

2.   Plan section 4.03.A is amended in its entirety effective July 1, 2005 to
     read as follows:

     A.  Employer Contributions--Matching Contributions.
         ----------------------------------------------

         Each payroll period, the Employer shall contribute to each eligible
         Participant's account an amount equal to fifty percent (50%) of the
         Participant's Elective Deferrals. The maximum amount of Elective
         Deferrals for which such Matching Contributions will be made is six
         percent (6%) of Compensation which means that the maximum Matching
         Contribution will be three percent (3%) of Compensation.

3.   In all other respects, the Plan is hereby ratified, approved and confirmed.

IN WITNESS WHEREOF, the Employer has executed and adopted this Amendment on this
28th day of April, 2005.

                                       EMPLOYER:
                                       ---------

                                       NORTH VALLEY BANCORP
                                       A California Corporation

                                       By: /s/ MICHAEL J. CUSHMAN
                                           -------------------------------------
                                           Michael J. Cushman, President

                                      -3-Exhibit 10(hhh)

                             SECOND AMENDMENT TO THE
                        NORTH VALLEY BANCORP 401(K) PLAN
                        --------------------------------

This Second Amendment (Amendment) the North Valley Bancorp 401(k) Plan (Plan) is
hereby adopted by North Valley Bancorp (Employer).

                                    RECITALS
                                    --------

A.   Effective as of January 1, 1984, the Employer adopted the Plan.

B.   The Plan was restated in its entirety effective January 1, 1994 and was
     subsequently restated in its entirety on February 20, 1997.

C.   Effective July 1, 2002, the Plan was amended and restated to include
     certain changes required by the Uniform Services Employment and
     Reemployment Rights Act (USERRA), the Uruguay Round Agreement Act of 1994
     (GATT), the Small Business Job Protection Act of 1996 (SBJPA '96), the
     Taxpayer Relief Act of 1997 (TRA '97), and the Community Renewal Tax Relief
     Act of 2000.

D.   Effective October 12, 2000, North Valley Bancorp acquired Six Rivers
     National Bank. All employees who participated in the Six Rivers National
     Bank Profit Sharing 401(k) Plan (Six Rivers Plan) on the day before the
     acquisition were eligible to participate in this Plan on the first day of
     the payroll period following the acquisition date.

E.   Effective July 1, 2002, the Plan was amended to allow Participants to defer
     up to fifty percent (50%) of their compensation, to exclude severance pay
     and taxable fringe benefits from the definition of compensation for only
     salary deferral contributions, and to provide that salary deferrals can be
     reinstated on the first day of each month.

F.   Effective January 1, 2002, the Plan was amended to reflect certain changes
     required by the Economic Growth and Tax Relief Reconciliation Act of 2001
     (EGTRRA).

G.   Effective January 1, 2003, the Plan was amended by the former prototype
     plan sponsor, Diversified Investment Advisors, to adopt the provisions
     described in Question and Answer No. 3 of Final Treasury Regulations
     section 1.401(a)(9)-1 published on April 17, 2002 regarding the plan
     document provisions necessary to comply with Internal Revenue Code section
     401(a)(9).

                                      -1-
<PAGE>

H.   In August, 2004, the Employer amended the Plan to provide for the
     participation of the employees of Yolo Community Bank effective September
     1, 2004 as a result of the merger of Yolo Community Bank into new Yolo
     Community Bank, a wholly-owned subsidiary of North Valley Bancorp effective
     August 31, 2004, to provide for the crediting of prior service with Yolo
     Community Bank for purposes of eligibility, accrual of benefits and vesting
     under the Plan and to provide the Employer the opportunity to make safe
     harbor contributions to the Plan for each Plan Year that the Employer so
     elects and provides the required "safe harbor" notice under the Code.

I.   In September 2004, the Employer amended and restated the Plan to clarify
     and conform certain provisions with its original intent that was not
     accurately captured in the August 2004, amendment and restatement.

J.   The Employer amended the Plan: to reduce the limit for making distributions
     without participant consent from $5,000 to $1,000 effective March 28, 2005;
     and to change the matching contribution rate to 50% on every dollar up to
     the first 6% of the employee's compensation effective July 1, 2005.

K.   The Employer now wishes to amend the Plan to eliminate all forms of
     distribution from the Plan other than hardship withdrawals, lump sum
     distributions and eligible rollover distributions.

                              OPERATIVE PROVISIONS
                              --------------------

In accordance with the foregoing recitals, the Employer hereby amends the Plan
effective July 1, 2005:

1.   Plan section 2.32 is amended in its entirety effective to read as follows:

     2.32. Qualified Joint And Survivor Annuity.
           ------------------------------------

           A "Qualified Joint and Survivor Annuity" is an immediate annuity for
           the life of the Participant with a survivor annuity for the life of
           the Participant's spouse which is fifty percent (50%) of the amount
           of the annuity which is payable during the joint lives of the
           Participant and the Participant's spouse.

2.   Plan section 10.06 is amended in its entirety to read as follows:

     10.06 Method of Payment of Benefits.
           -----------------------------

           Upon a Participant's Termination of Employment, the Plan
           Administrator shall determine the Vested amount credited to the
           Participant's Account(s) and shall direct the Trustee to distribute
           to the Participant, or the Participant's Beneficiary, any amount to

                                      -2-
<PAGE>

           which the Participant is entitled under the Plan in a single lump sum
           distribution of the Participant's Accrued Benefit in cash or in kind.

           A.     If the value of the Participant's Vested benefit does not
                  exceed one thousand dollars ($1,000), the Plan Administrator
                  may immediately distribute such benefit without such
                  Participant's consent. However, a participant's Vested benefit
                  may not be paid prior to the later of the Participant's
                  attainment of age sixty-two (62) or Normal Retirement Age
                  without the written consent of the Participant if the value
                  exceeds one thousand dollars ($1,000).

           B.     For distributions made after December 31, 2001 for purposes of
                  subsection A, above, the value of a Participant's
                  nonforfeitable Account balance shall be determined without
                  regard to that portion of the Account balance that is
                  attributable to Rollover Contributions (and earnings allocable
                  thereto) within the meaning of Code sections 402(c),
                  403(a)(4), 403(b)(8), 408(d)(3)(A)(ii), and 457(e)(16). If the
                  value of the Participant's nonforfeitable Account balance as
                  so determined is one thousand dollars ($1,000) or less, the
                  plan may immediately distribute the Participant's entire
                  nonforfeitable Account Balance.

           C.     Death and other nonretirement benefits payable under the Plan
                  shall be incidental to the primary purpose of the Plan. Thus,
                  distributions to the Participant under the Plan shall be in
                  sufficient amounts so that the relationship of a Participant's
                  total benefits under the Plan to the deferred compensation
                  payable to the Participant under the Plan is such that the
                  primary purpose of the Plan is to provide deferred
                  compensation to the Participant, all as defined in the
                  incidental death benefit rules in effect prior to January 1,
                  1989, or for calendar years beginning after December 31, 1988,
                  the requirements of Code section 401(a)(9)(G) and the
                  regulations promulgated thereunder.

3.   Plan section 10.07.B. is amended in its entirety to read as follows:

     10.07. Commencement of Payment of Benefits.
            -----------------------------------

           B.     Benefits shall begin to be paid to the Participant not later
                  than the sixtieth day after the latest of the close of the
                  Plan Year in which:

                                      -3-
<PAGE>

                  (1)      Occurs the date on which the Participant is the
                           earlier of age sixty-five (65) or the Normal
                           Retirement Age;

                  (2)      Occurs the tenth anniversary of the year in which the
                           Participant commenced participation in the Plan;

                  (3)      The Participant terminates his service with the
                           Employer; or

                  (4)      At such later date as the Participant (or where the
                           Participant has died, the Participant's Beneficiary)
                           may request; provided that the Participant or the
                           Participant's Beneficiary must submit a written
                           statement to the Trustee which describes the benefit
                           of the date on which payment shall commence.

4.   Plan section 10.07.C.2.3 is amended in its entirety to read as follows:

                           2.3      Forms of Distribution.
                                    ---------------------

                                    Unless the Participant's interest is
                                    distributed in a single sum on or before the
                                    Required Beginning Date, as of the first
                                    distribution calendar year, distributions
                                    will be made in accordance with sections 3
                                    and 4 of this article.

5.   In all other respects, the Plan is hereby ratified, approved and confirmed.

IN WITNESS WHEREOF, the Employer has executed and adopted this Amendment on this
28th day of April, 2005.

                                        EMPLOYER:
                                        ---------

                                        NORTH VALLEY BANCORP

                                       By: /s/ MICHAEL J. CUSHMAN
                                           ------------------------------------
                                           Michael J. Cushman,
                                           President & CEO

                                      -4-

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