Document:

063502
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COMMON STOCK                                                        COMMON STOCK

              [GRAPHIC LOGO         AMERICAN
               OMITTED]              RIVER
                                   BANKSHARES

[ 10            ]                                           [                  ]

INCORPORATED UNDER THE LAWS                             SEE REVERSE FOR CERTAIN
OF THE STATE OF CALIFORNIA                              DEFINITIONS AND A
                                                        STATEMENT AS TO THE
                                                        RIGHTS, PREFERENCES,
                                                        PRIVILEGES AND
                                                        RESTRICTIONS OF SHARES

                                                        CUSIP 029326 10 5

THIS CERTIFIES THAT

IS THE RECORD HOLDER OF

           FULLY PAID AND NONASSESSABLE SHARES OF THE COMMON STOCK OF

                            AMERICAN RIVER BANKSHARES

transferable on the books of the Corporation by the holder hereof, in person or
by duly authorized attorney upon surrender of this Certificate properly
endorsed. This Certificate is not valid unless countersigned by the Transfer
Agent and registered by the Registrar.

         Witness the facsimile seal of the Corporation and the facsimile
signatures of its dually authorized officers.

                               CERTIFICATE STOCK

Dated
                            AMERICAN RIVER BANKSHARES
                                  INCORPORATED
                                      JAN.
                                       24,
                                      1995
                                   CALIFORNIA
                                        *
/s/ STEPHEN H. WAKS                              /s/ DAVID T. TABER
SECRETARY                                        PRESIDENT AND CHIEF EXECUTIVE
                                                 OFFICER

                                                 COUNTERSIGNED AND REGISTERED:
                                                 U.S. STOCK TRANSFER CORPORATION
                                                 (GLENDALE, CA)
                                                 TRANSFER AGENT AND REGISTRAR

                                                 BY:
                                                    ----------------------------
                                                            AUTHORIZED SIGNATURE

================================================================================

                                       79
<PAGE>

[REVERSE SIDE OF STOCK CERTIFICATE]

    A statement of the powers, designations, preferences and relative,
participating, optional or other special rights of each class of stock or series
thereof and the qualifications, limitations or restrictions of such preference
and/or rights as established, from time to time, by the Certificate of
Incorporation of the Corporation and by any certificate of determination, the
number of shares constituting each class and series, and the designations
therefore, may be obtained by the holder hereof upon request and without charge
at the principal office of the Corporation.

    The following abbreviations, when used in the inscription on the face of
this certificate, shall be construed as though they were written out if full
according to applicable laws or regulations:

<TABLE>
<CAPTION>
<S>      <C>                              <C>                    <C>
TEN COM   -- as tenants in common          UNIF GIFT MIN ACT       Custodian
TEN ENT   -- as tenants by the entireties                   ---------------------------------
JT TEN    -- as joint tenants with right                    (Cust)                (Minor)
             of survivorship and not as                     Under Uniform Gifts to Minors
             tenants in common                              Act
                                                               ------------------------------
                                                                        (State)
                                           UNIF TRF MIN ACT        Custodian (Until age......)
                                                            ---------------------------------
                                                            (Cust)

                                                                       Under Uniform Transfer
                                                            ---------------------------------
                                                              (Minor)
                                                            To Minors Act
                                                                         --------------------
                                                                             (State)
</TABLE>

    ADDITIONAL ABBREVIATIONS MAY ALSO BE USED THOUGH NOT IN THE ABOVE LIST.

FOR VALUE RECEIVED_________________________hereby sell, assign and transfer unto

PLEASE INSERT SOCIAL SECURITY OR OTHER
   IDENTIFICATION NUMBER OF ASSIGNEE
----------------------------------------

----------------------------------------

--------------------------------------------------------------------------------
  (PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS, INCLUDING ZIP CODE OF ASSIGNEE)

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

--------------------------------------------------------------------------Shares
of the common stock represented by the within Certificate, and do
hereby irrevocably constitute and appoint

------------------------------------------------------------------------Attorney
to transfer the said stock on the books of the within named Corporation will
full power of substitution in the premises.

Dated:
      -------------------

                                 -----------------------------------------------
                                 NOTICE:  THE SIGNATURE TO THIS ASSIGNMENT MUST
                                          CORRESPOND WITH THE NAME AS WRITTEN
                                          UPON THE FACE OF THE CERTIFICATE IN
                                          EVERY PARTICULARLY, WITHOUT ALTERATION
                                          OR ENLARGEMENT OR ANY CHANGE WHATEVER.

SIGNATURE(S) GUARANTEED:

---------------------------------------------------------
THE SIGNATURE(S) SHOULD BE GUARANTEED BY AN ELIGIBLE
GUARANTOR INSTITUTION (BANKS, STOCKBROKERS, SAVINGS
AND LOAN ASSOCIATIONS AND CREDIT UNIONS WITH MEMBERSHIP
IN AND APPROVED MEDALLION SIGNATURE GUARANTEE PROGRAM),
PURSUANT TO S.E.C. RULE 17Ad 15.

                                       80EXHIBIT 10.37

                  FIRST AMENDMENT TO LEASE AND ACKNOWLEDGEMENT

         This First Amendment to Lease and Acknowledgement (Address:520 Capitol
Mall) is made as of April 21, 2004, with reference to that certain Lease
Agreement ("Lease") by and between 520 Capitol Mall Inc., a Delaware
corporation, as "Landlord" therein, and American River Bank, a California
corporation, as "Tenant" therein, regarding that certain premises ("Premises")
located at 520 Capitol Mall, Suite 100 Sacramento, California, and which is more
particularly described in the Lease.

         The undersigned hereby confirms the following and the provisions of the
Lease are hereby amended by the following:

         1.       That Tenant accepted possession of the Premises from Landlord
on March 2, 2004, and acknowledges that the Premises are as represented by
Landlord, in good condition and repair; and that the improvements, if any,
required to be constructed for Tenant by Landlord pursuant to the Lease, have
been so constructed and are satisfactory completed in all respects, excepting
punchlist items.

         2.       That all conditions which are to be satisfied prior to the
full effectiveness of the Lease have been satisfied and that Landlord has
fulfilled all of its duties of an inducement nature.

         3.       That in accordance with Section 4 of the Lease, the
Commencement Date is March 1, 2004, and that, unless sooner terminated, the
Expiration Date is May 30, 2014.

         4.       That the Lease is in full force and effect and that the same
represents the entire agreement between Landlord and Tenant concerning Tenant's
lease of the Premises.

         5.       That there are no existing defenses known to Tenant at this
time which Tenant has against the enforcement of the Lease by Landlord, and no
offsets or credits against any amounts owed by Tenant pursuant to the Lease.

         6.       That Tenant's obligations to pay the Rent is presently in
effect and that all rentals, charges and other obligations on the part of Tenant
under the Lease commences to accrue on March 1, 2004.

         7.       That Tenant has not made any prior assignment, hypothecation
or pledge of the Lease or of the rents thereunder.

         8.       Except as modified herein, the Lease remains in full force and
effect.

         9.       That the Basic Lease Information and Lese section 5 shall be
amended so that the Base Rent amounts for Months 122 and 123 shall be $0.00
(free rent).

         IN WINESS WHEREOF, the parties have executed this First Amendment as of
the date set forth below.

LANDLORD:                                    TENANT:

520 CAPITOL MALL, INC., a Delaware
corporation

                                             AMERICAN RIVER BANK, a California
                                             corporation

By: /s/ JOHN BRENNAN
    -------------------------------

Its:   VP/CFO                                By: /s/ DAVID T. TABER
                                                 -------------------------------
Date:  4/21/04
                                             Its:    CEO
Address:
                                             Date:   6/8/04

                                             Address:

                                       81

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