Document:

<PAGE>

Exhibit 10.6

                          CHANGE IN CONTROL AGREEMENT

This Agreement ("Agreement") is made and entered into as of the 24th day of
February, 1997 between United Security Bank, N. A. ("Bank"), and David L.
Eytcheson (hereinafter referred to as "Executive").

                                  WITNESSETH:

WHEREAS, Bank desires to provide Executive with severance compensation in the
event there is a change in control of Bank, and Executive desires severance
compensation in the event there is a change in control of Bank.

NOW, THEREFORE, in consideration of the premises and of the mutual covenants and
conditions herein contained, the parties hereto, intending to be legally bound,
do hereby agree as follows:

1.    SEVERANCE PAYMENT

This Agreement shall not be terminated by the voluntary or involuntary
dissolution of Bank. Notwithstanding the foregoing, in the event proceedings for
liquidation of Bank are commenced by regulatory authorities, this Agreement and
all rights and benefits hereunder shall terminate.

In the event of any merger or consolidation where Bank is not the surviving or
resulting corporation, or upon transfer of all or substantially all of the
assets of Bank (any of these events shall be referred to as an "Acquisition"),
this Agreement shall continue and be in full force and effect. In the event of
an Acquisition, if (i) Executive is not retained by the resulting corporation
for a period of one year from the time of consummation of the Acquisition in a
position comparable to that of vice president of the resulting corporation or a
position accepted by Executive or (ii) the resulting corporation reduces
Executive's base salary from Executive's base salary at the closest time prior
to the Acquisition by more than 10% at any time within one year after the time
of consummation of the Acquisition, then the resulting corporation shall pay
Executive a lump sum amount in cash equal to the sum of (i) the last year of
Executive's total compensation, inclusive of Executive's base annual salary and
bonus for such year and (ii) the amount necessary to cover any "golden parachute
taxes" that may be assessed pursuant to Section 280G of the Internal Revenue
Code of 1986, as amended from time to time on such lump sum payment to
Executive. The resulting corporation may substitute a legal opinion of a major
law firm acceptable to Executive that states unequivocally that no "golden
parachute taxes" will be assessed against Executive in lieu of the payment of
"golden parachute taxes" that may be assessed against Executive. Such lump sum
payment shall be paid within ten (10) days of the date Executive's employment is
terminated by the resulting corporation or Executive leaves voluntarily because
of (i) a change in Executive's position with the resulting corporation such that
Executive is no longer in a position comparable to that of vice president of the
resulting corporation or a position accepted by Executive or (ii) a reduction in
Executive's base salary of more than 10% of Executive's base salary at the
closest time prior to the Acquisition. The lump sum payment shall be considered
to be in full and complete satisfaction of any and all rights which Executive
may enjoy other than rights, if any, to exercise any of the stock options vested
prior to such termination.

                                       1
<PAGE>

2.    TERM OF AGREEMENT

This Agreement shall be for a term of five (5) years from the date first above
stated ("Termination Date"). Such Termination Date may be amended or extended by
written agreement of the parties. This Agreement shall apply to any Acquisition
that is (i) consummated prior to the Termination Date provided that Executive is
employed by Bank at the date of public announcement of the Acquisition or (ii)
consummated at any time within one (1) year after the Termination Date, in the
event Executive's employment is terminated without cause by Bank prior to the
Termination Date and such termination is within twelve (12) months prior to the
date of consummation of an Acquisition that was announced within six (6) months
before or after the date of Executive's termination of employment with Bank.

3.    APPLICABLE LAW

This Agreement is made and entered into in the State of California and the laws
of the State of California shall govern the validity and interpretation hereof,
and the performance of the parties hereto and their respective duties and
obligations hereunder, except to the extent that the provisions of federal law
are mandatorily applicable.

4.    ENTIRE AGREEMENT

This Agreement contains the entire agreement of the parties and it supersedes
any and all other agreements, either oral or in writing, between Executive and
Bank. Each party to this Agreement acknowledges that no representations,
inducements, promises, or agreements, oral or otherwise, have been made by any
party, or anyone acting on behalf of any party, which are not embodied herein,
and that no other agreement, statement, or promise not contained in this
Agreement shall be valid or binding. This Agreement may not be modified or
amended by oral agreement, but only by an agreement in writing signed by Bank
and Executive.

IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the
day and year first above written.

                                     UNITED SECURITY BANK, N.A.

                                  By:
                                     -----------------------------------------
                                     Dennis R. Woods, Chairman

                                     EXECUTIVE

                                     ------------------------------------------
                                     David L. Eytcheson

                                       2<PAGE>

Exhibit 10.7

                    EXECUTIVE SALARY CONTINUATION AGREEMENT

This Agreement is made and entered into this 2nd day of January , 1997, by and
between United Security Bank, N.A., a California banking corporation (the
"Employer"), and Rhodlee A. Braa , an individual residing in the State of
California (hereinafter referred to as the "Executive").

                                    RECITALS

WHEREAS, the Executive is an employee of the Employer and is serving as its
Chief Credit Officer;

WHEREAS, the Executive's experience and knowledge of the affairs of the Employer
and the banking industry are extensive and valuable;

WHEREAS, it is deemed to be in the best interests of the Employer to provide the
Executive with certain salary continuation benefits, on the terms and conditions
set forth herein, in order to reasonably induce the Executive to remain in the
Employer's employment; and

WHEREAS, the Executive and the Employer wish to specify writing the terms and
conditions upon which this additional compensatory incentive will be provided to
the Executive, or to the Executive's spouse or the Executive's designated
beneficiaries, as the case may be;

NOW, THEREFORE, in consideration of the services to be performed in the future,
as well as the mutual promises and covenants contained herein, the Executive and
the Employer agree as follows:

                                    AGREEMENT

1.    Terms and Definitions.

      1.1. Administrator. The Employer shall be the "Administrator" and, solely
for the purposes of ERISA, the "fiduciary" of this Agreement where a fiduciary
is required by ERISA.

      1.2. Annual Benefit. The term "Annual Benefit" shall mean an annual sum of
fifty thousand dollars ($50,000) multiplied by the Applicable Percentage
(defined below) and then reduced to the extent required: (i) under the other
provisions of this Agreement; (ii) by reason of the lawful order of any
regulatory agency or body having jurisdiction over the Employer; and (iii) in
order for the Employer to properly comply with any and all applicable state and
federal laws, including, but not limited to, income, employment and disability
income tax laws (eg., FICA, FUTA, SDI).

      1.3. Applicable Percentage. The term "Applicable Percentage" shall mean
that percentage listed on Schedule "A" attached hereto which is adjacent to the
number of complete years (with a "year" being the performance of personal
services for or on behalf of the Employer as an employee for a period of 365
days) which have elapsed starting from the Effective Date of this

                                       1
<PAGE>

Agreement and ending on the date the Executive's employment is terminated for
purposes of this Agreement. In the event the Executive's employment with the
Employer is terminated other than by reason of death, disability, termination
for cause or Retirement on the part of the Executive, the Executive shall be
deemed for purposes of determining the number of complete years to have
completed a year of service in its entirety for any partial year of service
after the last anniversary date of the Effective Date during which the
Executive's employment is terminated, provided that in no event shall the
Executive be deemed to have completed a year of service for the partial year
that occurs prior to the first anniversary date of this Agreement.

      1.4. Beneficiary. The term "beneficiary" or "designated beneficiary" shall
mean the person or persons whom the Executive shall designate in a valid
Beneficiary Designation, a copy of which is attached hereto as Exhibit "B", to
receive the benefits provided hereunder. A Beneficiary Designation shall be
valid only if it is in the form attached hereto and made a part hereof and is
received by the Administrator prior to the Executive's death.

      1.5. The Code. The "Code" shall mean the Internal Revenue Code of 1986, as
amended (the "Code").

      1.6. Disability/Disabled. The term "Disability" or "Disabled" shall have
the same meaning given such term in the principal disability insurance policy
covering the Executive, which is incorporated herein by reference. In the event
the Executive is not covered by a disability policy containing a definition of
"Disability" or "Disabled," these terms shall mean an illness or incapacity
which, having continued for a period of one hundred and eighty (180) consecutive
days, prevents the Executive from adequately performing the Executive's regular
employment duties. The determination of whether the Executive is Disabled shall
be made by an independent physician selected by mutual agreement of the parties.

      1.7. Effective Date. The term "Effective Date" shall mean the date upon
which this Agreement was entered into by the parties, as first written above.

      1.8. ERISA. The term "ERISA" shall mean the Employee Retirement Income
Security Act of 1974, as amended.

      1.9. Plan Year. The term "Plan Year" shall mean the Employer's calendar
year.

      1.10. Retirement. The term "Retirement" or "Retires" shall refer to the
date on which the Executive attains the age of at least sixty-five (65) and
acknowledges in writing to the Employer to be the last day he will provide any
significant personal services, whether as an employee, director or independent
consultant or contractor, to the Employer. For purposes of this Agreement, the
phrase "significant personal services" shall mean more than ten (10) hours of
personal services rendered to one or more individuals or entities in any thirty
(30) day period.

      1.11. Surviving Spouse. The term "Surviving Spouse" shall mean the person,
if any, who shall be legally married to the Executive on the date of the
Executive's death.

      1.12. Termination for Cause. The term "Termination for Cause" shall mean
the termination of the Executive by the Employer upon the occurrence of any of
the following events:

                                       2
<PAGE>

            (i) the Executive is convicted of illegal activity by a court of
competent jurisdiction or pleads guilty to or nolo contendere to illegal
activity, which activity materially adversely affects the Employer's reputation
in the community or which evidences the lack of the Executive's fitness or
ability to perform the Executive's duty as determined by the Board of Directors
in good faith;

            (ii) the Executive has committed any illegal or dishonest act which
would cause termination of coverage under the Employer's Bankers' Blanket Bond
as to the Executive, as distinguished from termination of coverage as to the
Employer as a whole;

            (iii) the Executive materially fails to perform, or habitually
neglects, the Executive's duties or commits a material act of malfeasance or
misfeasance in connection therewith; or

            (iv) an action is commenced by any bank regulatory agency having
jurisdiction, to remove or suspend the Executive from office, or a cease and
desist order under 12 U.S.C. 1818(b) or any similar Federal or state statute is
issued against the Executive or the Employer which calls for the Executive's
suspension or removal from office.

2.    Scope, Purpose and Effect.

      2.1. Contract of Employment. Although this Agreement is intended to
provide the Executive with an additional incentive to remain in the employ of
the Employer, this Agreement shall not be deemed to constitute a contract of
employment between the Executive and the Employer nor shall any provision of
this Agreement restrict or expand the right of the Employer to terminate the
Executive's employment. This Agreement shall have no impact or effect upon any
separate written employment agreement which the Executive may have with the
Employer, it being the parties' intention and agreement that unless this
Agreement is specifically referenced in said employment agreement (or any
modification thereto), this Agreement (and the Employer's obligations hereunder)
shall stand separate and apart and shall have no effect upon, nor be affected
by, the terms and provisions of said employment agreement.

      2.2. Fringe Benefit. The benefits provided by this Agreement are granted
by the Employer as a fringe benefit to the Executive and are not a part of any
salary reduction plan or any arrangement deferring a bonus or a salary increase.
The Executive has no option to take any current payments or bonus in lieu of the
benefits provided by this Agreement.

3.    Payments Upon or After Retirement.

      3.1. Payments Upon Retirement. If the Executive shall remain in the
continuous employment of the Employer until Retirement, the Executive shall be
entitled to be paid the Annual Benefit, with the Applicable Percent equal to
100% for a period of fifteen (15) years, in one hundred eighty (180) equal
monthly installments, with each installment to be paid on the first day of each
month, beginning with the month following the month in which the Executive
Retires or upon such later date as may be mutually agreed upon in writing by the
Executive and the Employer in advance of said Retirement Date.

                                       3
<PAGE>

      3.2. Payments in the Event of Death After Retirement. The Employer agrees
that if the Executive Retires, but shall die before receiving all of the one
hundred eighty (180) monthly payments described in paragraph 3.1 above, the
Employer will make the remaining monthly payments, undiminished and on the same
schedule as if the Executive had not died, to the Executive's designated
beneficiary. If a valid Beneficiary Designation is not in effect, then the
remaining amounts due to the Executive under the term of this Agreement shall be
paid to the Executive's Surviving Spouse. If the Executive leaves no Surviving
Spouse, the remaining amounts due to the Executive under the terms of this
Agreement shall be paid to the duly qualified personal representative, executor
or administrator of the Executive's estate.

4.    Payments in the Event Death or Disability Occurs Prior to Retirement.

      4.1. Payments in the Event of Death Prior to Retirement. In the event the
Executive should die while actively employed by the Employer at any time after
the Effective Date of this Agreement, but prior to Retirement, the Employer
agrees to pay the Annual Benefit with the Applicable Percentage equal to 100%
for a period of fifteen (15) years in one hundred eighty (180) equal monthly
installments, with each installment to be paid on the first of each month
beginning with the month following the Executive's death, to the Executive's
designated beneficiary. If a valid Beneficiary Designation is not in effect,
then the amounts due to the Executive under the terms of this Agreement shall be
paid to the Executive's Surviving Spouse. If the Executive leaves no Surviving
Spouse, the amounts due to the Executive under the terms of this Agreement shall
be paid to the duly qualified personal representative, executor or administrator
of the Executive's estate.

      4.2. Payments in the Event of Disability Prior to Retirement. In the event
the Executive becomes Disabled while actively employed by the Employer at any
time after the date of this Agreement but prior to Retirement, the Executive
shall: (i) continue to be treated during such period of Disability as being
gainfully employed by the Employer but shall not add applicable years of service
for the purpose of determining the Annual Benefit; and (ii) be entitled to be
paid the Annual Benefit, with the Applicable Percentage as set forth in Schedule
A and as determined by the applicable years of service at the time of
disability, for fifteen (15) years in one hundred eighty (180) equal monthly
installments, with each installment to be paid on the first day of each month,
beginning with the month following the earlier of (1) the month in which the
Executive attains sixty-five (65)) years of age; or (2) the date upon which the
Executive is no longer entitled to receive Disability benefits under the
Executive's principal Disability insurance policy and does not, at such time,
return to and thereafter fulfill the responsibilities associated with the
employment position held with the Employer prior to becoming Disabled by reason
of such Disability continuing. Notwithstanding the foregoing, in the event the
Executive should die while actively or gainfully employed by the Employer at any
time after the Effective Date of this Agreement and prior to Retirement, the
payments provided in Paragraph 4.1 shall be paid in lieu of the payments
provided in this Paragraph 4.2, provided that the Executive or his legal
representative shall have not elected to take the benefits provided by Paragraph
5 and payments provided in Paragraph 4.2 have not commenced.

5.    Payments in the Event Employment is Terminated Other than by Death,
      Disability, Termination for Cause or Retirement.

As indicated in Paragraph 2 above, the Employer reserves the right to terminate
the Executive's employment, with or without cause but subject to any written
employment agreement which may

                                       4
<PAGE>

then exist, at any time prior to the Executive's Retirement. In the event that
the employment of the Executive shall be terminated for any reason, including
voluntary termination by the Executive, but other than by reason of (i)
Disability except as provided in Paragraph 4.2, (ii) death, (iii) Termination
for Cause, or (iv) Retirement, the Executive or his legal representative shall
be entitled to be paid the Annual Benefit, with the Applicable Percentage as set
forth in Schedule A and as determined by the applicable years of service at the
time of termination of employment with the Employer, for a period of fifteen
(15) years in one hundred eighty (180) equal monthly installments, with each
installment to be paid on the first day of each month, beginning with the month
following the month in which the Executive terminates employment and attains
sixty-five (65) years of age, provided that in the event the Executive dies
after such termination but prior to age 61 then such benefits are to be paid
beginning with the month following the Executive's death.

6.    Termination for Cause.

Notwithstanding anything to the contrary, in the event the termination of
employment of the Executive is Termination for Cause as defined in Paragraph
1.13, the Executive shall not be entitled to any benefits pursuant to this
agreement.

7.    No Ownership Rights to the Employer's Assets.

The Employer reserves the right to determine, in its sole and absolute
discretion, whether, to what extent and by what method, if any, to provide for
the payment of the amounts which may be payable to the Executive, the
Executive's spouse or the Executive's beneficiaries under the terms of this
Agreement ("Benefits"). The rights of the Executive or any beneficiary of the
Executive under this Agreement shall be solely those of an unsecured creditor of
the Employer.

In the event that the Employer, in its sole and absolute discretion, elects to
acquire an insurance policy, an annuity or any other asset to recoup the costs
or any portion thereof of the Benefits, then such insurance policy, annuity or
other asset shall not be deemed to be held under any trust for the benefit of
the Executive or his beneficiaries or to be security for the performance of the
obligations of the Employer under this Agreement, but shall be, and remain, a
general unpledged, unrestricted asset of the Employer. The Executive and his
beneficiaries shall have no rights whatsoever with respect to, or any claim
against, any such insurance policy, annuity or other asset. In connection with
the Employer electing to acquire any such insurance policy or annuity, the
Executive agrees to cooperate to facilitate such acquisition, and pursuant
thereto shall execute such documents and undergo such medical examinations or
tests as the Employer may reasonably request.

8.    Claims Procedure.

The Employer shall, but only to the extent necessary to comply with ERISA, be
designated as the named fiduciary under this Agreement and shall have authority
to control and manage the operation and administration of this Agreement.
Consistent therewith, the Employer shall make all determinations as to the
rights to benefits under this Agreement. Any decision by the Employer denying a
claim by the Executive, the Executive's spouse, or the Executive's beneficiary
for benefits under this Agreement shall be stated in writing and delivered or
mailed, via registered or certified mail, to the Executive, the Executive's
spouse or the Executive's beneficiary, as the case may be. Such decision shall
set forth the specific reasons for the denial of a claim. In addition, the
Employer

                                       5
<PAGE>

shall provide the Executive, the Executive's spouse or the Executive's
beneficiary with a reasonable opportunity for a full and fair review of the
decision denying such claim.

9.    Status of an Unsecured General Creditor.

Notwithstanding anything contained herein to the contrary: (i) neither the
Executive, the Executive's spouse nor the Executive's beneficiary shall have any
legal or equitable rights, interests or claims in or to any specific property or
assets of the Employer; (ii) none of the Employer's assets shall be held in or
under any trust for the benefit of the Executive, the Executive's spouse or the
Executive's beneficiary or held in any way as security for the fulfillment of
the obligations of the Employer under this Agreement; (iii) all of the
Employer's assets shall be and remain the general unpledged and unrestricted
assets of the Employer; (iv) the Employer's obligation under this Agreement
shall be that of an unfunded and unsecured promise by the Employer to pay money
in the future; and (v) the Executive, the Executive's spouse and the Executive's
beneficiary shall be unsecured general creditors with respect to any benefits
which may be payable under the terms of this Agreement.

10.   Covenant Not to Interfere.

The Executive agrees not to take any action which prevents the Employer from
collecting the proceeds of any life insurance policy which the Employer may
happen to own at the time of the Executive's death and of which the Employer is
the designated beneficiary.

11.   Miscellaneous.

      11.1. Opportunity to Consult with Independent Counsel. The Executive
acknowledges that he has been afforded the opportunity to consult with
independent counsel of his choosing regarding both the benefits granted to him
under the terms of this Agreement and the terms and conditions which may affect
the Executive's right to these benefits. The Executive further acknowledges that
he has read, understands and consents to all of the terms and conditions of this
Agreement, and that he enters into this Agreement with a full understanding of
its terms and conditions.

      11.2. Arbitration of Disputes. All claims, disputes and other matters in
question arising out of or relating to this Agreement or the breach or
interpretation thereof, other than those matters which are to be determined by
the Employer in its sole and absolute discretion, shall be resolved by binding
arbitration before a representative member, selected by the mutual agreement of
the parties, of the Judicial Arbitration and Mediation Services, Inc. ("JAMS"),
located in location nearest to Fresno, California. In the event JAMS is unable
or unwilling to conduct the arbitration provided for under the terms of this
Paragraph, or has discontinued its business, the parties agree that a
representative member, selected by the mutual agreement of the parties, of the
American Arbitration Association ("AAA"), located in or nearest to Fresno,
California, shall conduct the binding arbitration referred to in this Paragraph.
Notice of the demand for arbitration shall be filed in writing with the other
party to this Agreement and with JAMS (or AAA, if necessary). In no event shall
the demand for arbitration be made after the date when institution of legal or
equitable proceedings based on such claim, dispute or other matter in question
would be barred by the applicable statute of limitations. The arbitration shall
be subject to such rules of procedure used or established by JAMS, or if there
are none, the rules of procedure used or established by AAA. Any award rendered
by JAMS or AAA shall be final and binding upon the parties, and as applicable,
their respective

                                       6
<PAGE>

heirs, beneficiaries, legal representatives, agents, successors and assigns, and
may be entered in any court having jurisdiction thereof. The obligation of the
parties to arbitrate pursuant to this clause shall be specifically enforceable
in accordance with, and shall be conducted consistently with, the provisions of
Title 9 of Part 3 of the California Code of Civil Procedure. Any arbitration
hereunder shall be conducted in Southern California, unless otherwise agreed to
by the parties.

      11.3. Attorneys' Fees. In the event of any arbitration or litigation
concerning any controversy, claim or dispute between the parties hereto, arising
out of or relating to this Agreement or the breach hereof, or the interpretation
hereof, the prevailing party shall be entitled to recover from the losing party
reasonable expenses, attorneys' fees and costs incurred in connection therewith
or in the enforcement or collection of any judgment or award rendered therein.
The "prevailing party" means the party determined by the arbitrator(s) or court,
as the case may be, to have most nearly prevailed, even if such party did not
prevail in all matters, not necessarily the one in whose favor a judgment is
rendered.

      11.4. Notice. Any notice required or permitted of either the Executive or
the Employer under this Agreement shall be deemed to have been duly given, if by
personal delivery, upon the date received by the party or its authorized
representative; if by facsimile, upon transmission to a telephone number
previously provided by the party to whom the facsimile is transmitted as
reflected in the records of the party transmitting the facsimile and upon
reasonable confirmation of such transmission; and if by mail, on the third day
after mailing via U.S. first class mail, registered or certified, postage
prepaid and return receipt requested, and addressed to the party at the address
given below for the receipt of notices, or such changed address as may be
requested in writing by a party.

      If to the Employer:

            United Security Bank, N.A.,
            2151 West Shaw Avenue
            Fresno, California 93711
            Attention: Dennis R. Woods
                       Chairman of the Board

      If to the Executive:

            ----------------
            c/o United Security Bank, N.A.,
            2151 West Shaw Avenue
            Fresno, California 93711

      11.5. Assignment. Neither the Executive, the Executive's spouse, nor any
other beneficiary under this Agreement shall have any power or right to
transfer, assign, hypothecate, modify or otherwise encumber any part or all of
the amounts payable hereunder, nor, prior to payment in accordance with the
terms of this Agreement, shall any portion of such amounts be: (i) subject to
seizure by any creditor of any such beneficiary, by a proceeding at law or in
equity, for the payment of any debts, judgments, alimony or separate maintenance
obligations which may be owed by the Executive, the Executive's spouse, or any
designated beneficiary; or (ii) transferable by operation of law in the event of
bankruptcy, insolvency or otherwise. Any such attempted assignment or

                                       7
<PAGE>

transfer shall be void and shall terminate this Agreement, and the Employer
shall thereupon have no further liability hereunder.

      11.6. Binding Effect/Merger or Reorganization. This Agreement shall be
binding upon and inure to the benefit of the Executive and the Employer and, as
applicable, their respective heirs, beneficiaries, legal representatives,
agents, successors and assigns. Accordingly, the Employer shall not merge or
consolidate into or with another corporation, or reorganize or sell
substantially all of its assets to another corporation, firm or person, unless
and until such succeeding or continuing corporation, firm or person agrees to
assume and discharge the obligations of the Employer under this Agreement. Upon
the occurrence of such event, the term "Employer" as used in this Agreement
shall be deemed to refer to such surviving or successor firm, person, entity or
corporation.

      11.7. Nonwaiver. The failure of either party to enforce at any time or for
any period of time any one or more of the terms or conditions of this Agreement
shall not be a waiver of such term(s) or condition(s) or of that party's right
thereafter to enforce each and every term and condition of this Agreement.

      11.8. Partial Invalidity. If any term, provision, covenant or condition of
this Agreement is determined by an arbitrator or a court, as the case may be, to
be invalid, void, or unenforceable, such determination shall not render any
other term, provision, covenant or condition invalid, void or unenforceable, and
the Agreement shall remain in full force and effect notwithstanding such partial
invalidity.

      11.9. Entire Agreement. This Agreement supersedes any and all other
agreements, either oral or in writing, between the parties with respect to the
subject matter of this Agreement and contains all of the covenants and
agreements between the parties with respect thereto. Each party to this
Agreement acknowledges that no other representations, inducements, promises or
agreements, oral or otherwise, have been made by any party, or anyone acting on
behalf of any party, which are not set forth herein, and that no other
agreement, statement or promise not contained in this Agreement shall be valid
or binding on either party.

      11.10. Modifications. Any modification of this Agreement shall be
effective only if it is in writing and signed by each party or such party's
authorized representative.

      11.11. Paragraph Headings. The paragraph headings used in this Agreement
are included solely for the convenience of the parties and shall not affect or
be used in connection with the interpretation of this Agreement.

      11.12. No Strict Construction. The language used in this Agreement shall
be deemed to be the language chosen by the parties hereto to express their
mutual intent, and no rule of strict construction will be applied against any
person.

      11.13. Governing Law. The laws of the State of California, other than
those laws denominated choice of law rules, and, where applicable, the rules and
regulations of the Federal Deposit Insurance Corporation or any other regulatory
agency or governmental authority having jurisdiction over the Employer, shall
govern the validity, interpretation, construction and effect of this Agreement.

                                       8
<PAGE>

12.   Right of the Employer to Pay a Lump Sum.

Unless expressly provided for herein, the Employer shall at its sole discretion
have the right to pay in a lump sum the then present value using a discount rate
that is to be mutually agreed upon between the Employer and the Executive or the
Executive's beneficiary of all payments vested and due the Executive or the
Executive's beneficiary pursuant to this Agreement.

IN WITNESS WHEREOF, the Employer and the Executive have executed this Agreement
on the date first above-written in the City of Fresno, Fresno County,
California.

United Security Bank, N.A.,             Rhodlee A. Braa
"Employer"                              "Executive"

----------------------------------      ------------------------------------
Dennis R. Woods
Chairman of the Board

                                        9
<PAGE>

                                  SCHEDULE A
                                  ----------

         NUMBER OF COMPLETE                           APPLICABLE
          YEARS OF SERVICE                            PERCENTAGE
          ----------------                            ----------

              1                                          8 1/3%

              2                                         16 2/3%

              3                                         25%

              4                                         33 1/3%

              5                                         41 2/3%

              6                                         50%

              7                                         58 1/3%

              8                                         66 2/3%

              9                                         75%

             10                                         83 1/3%

             11                                         91 2/3%

             12 or more                                 100%

                                       10
<PAGE>

                                   SCHEDULE B
                             BENEFICIARY DESIGNATION

TO:   The Administrator of United Security Bank,
      Executive Salary Continuation Agreement

Pursuant to the provisions of my Executive Salary Continuation Agreement with
United Security Bank, permitting the designation of a beneficiary or
beneficiaries by a participant, I hereby designate the following persons and
entities as primary and secondary beneficiaries of any benefit under said
Agreement payable by reason of my death:

NOTE: To name a trust as beneficiary, please provide the name of the trustee and
      the exact date of the trust agreement.

In the event the primary beneficiary is not the spouse of the Executive, the
spouse of the Executive will need to sign the Spousal Consent below and such
signature must be notarized.

Primary Beneficiary:

    Mary A. Braa       2226 W. Atlanta, Fresno, CA, 93711           Wife
--------------------------------------------------------------------------------
      Name                      Address                         Relationship

Secondary (Contingent) Beneficiary:

--------------------------------------------------------------------------------
      Name                      Address                         Relationship

--------------------------------------------------------------------------------
      Name                      Address                         Relationship

THE RIGHT TO REVOKE OR CHANGE ANY BENEFICIARY DESIGNATION IS HEREBY RESERVED.
ANY PRIOR DESIGNATION OF PRIMARY BENEFICIARIES AND SECONDARY BENEFICIARIES IS
HEREBY REVOKED.

The Administrator shall pay all sums payable under the Agreement by reason of my
death to the Primary Beneficiary, if he or she survives me, and if no Primary
Beneficiary shall survive me, then to the Secondary Beneficiary, and if no named
beneficiary survives me, then the Administrator shall pay all amounts in
accordance with the terms of my Executive Salary Continuation Agreement. In the
event that a named beneficiary survives me and dies prior to receiving the
entire benefit payable under said Agreement then and in that event, the
remaining unpaid benefit payable according to the terms of my Executive Salary
Continuation Agreement shall be payable to the personal representatives of the
estate of said beneficiary who survived me but died prior to receiving the total
benefit provided by my Executive Salary Continuation Agreement.

                                          ---------------
                                          "Executive"

Dated:  2/28/97
                                          ------------------------------------

                                       11
<PAGE>

                        CONSENT OF THE EXECUTIVE'S SPOUSE

TO THE ABOVE BENEFICIARY DESIGNATION:

I, _____________, being the spouse of _______________, after being afforded the
opportunity to consult with independent counsel of my choosing, do hereby
acknowledge that I have read, agree and consent to the foregoing Beneficiary
Designation which relates to the Executive Salary Continuation Agreement entered
into by my spouse on ______________, 1997. I understand that the above
Beneficiary Designation adversely affects my community property interest in the
benefits provided for under the terms of the Executive Salary Continuation
Agreement. I understand that I have been advised to consult with an attorney of
my choice prior to executing this consent, so that such attorney can explain the
effects of this consent.

Dated:_____________, 1997
                                          ____________________________________
                                          ______________, Spouse

                                       12
<PAGE>

                          CERTIFICATE OF ACKNOWLEDGMENT

                                OF NOTARY PUBLIC

State of California  )
                     ) ss.
County of Fresno     )

On ________________, 1997, before me, ______________, Notary Public, State of
California, personally appeared _____________________________________.

|_|   personally know to me - OR

|_|   proved to me on the basis of satisfactory evidence

to be the person(s) whose name(s) is/are subscribed to the within instrument and
acknowledged to me that he/she/they executed the same in his/her/their
authorized capacity(ies), and that by his/her/their signatures(s) on the
instrument the person(s), or the entity upon behalf of which the person(s)
acted, executed the instrument.

WITNESS my hand and official seal.

                                          _____________________________________
                                          Notary Public
                                          State of California
(Seal)

Capacity Claimed by Signer:

|_|   Individual(s) Signing for Oneself/Themselves

Title or Type of Document:_____________________________________________________

Date of Document:______________________________________________________________

Number of Pages:_______________________________________________________________

Signer(s) Other Than Named Above:______________________________________________

                                       13

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00023-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00023-of-00352.parquet"}]]