Document:

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                                                                   EXHIBIT 10.15

                                  PLUMAS BANK

                         DIRECTOR CONSULTING AGREEMENT

THIS AGREEMENT is made this 10th day of May, 2000, by and between Plumas Bank
(the "Company") and Jerry V. Kehr (hereinafter referred to as the "Consulting
Director"), whose address is P.O. Box 708, Chester, CA 96020

                                  INTRODUCTION

The Board of Directors of the Company has determined that it is in the best
interests of the Company to honor the Consulting Director for his or her
services to the Company of at least 15 years, to retain the Consulting
Director's services and to obtain the valued services of the Consulting Director
in a consulting capacity.

                                   AGREEMENT

NOW, THEREFORE, in consideration of the premises and the mutual covenants herein
contained, the Company and the Consulting Director hereby agree as follows:

1.    CONSULTING Services. Upon the terms and subject to the conditions
      contained in this Agreement, the Consulting Director agrees to provide
      consultative services for the Company during the term of this Agreement.
      The Consulting Director agrees to devote his or her best efforts to the
      business of the Company, and shall perform his or her duties in a
      diligent, trustworthy, and business-like manner, all for the purpose of
      advancing the business of the Company. The Consulting Director agrees that
      this Agreement shall not become effective until such time the Consulting
      Director has (i) served on the Company's board of directors or the board
      of directors of the parent of the Company for a total of at least 15 years
      and (ii) has resigned from the Company's board of directors or the board
      of directors of the parent of the Company, if any or is no longer a
      director of the Company or the parent of the Company, if any.

2.    DUTIES. The duties of the Consulting Director shall be those duties that
      can reasonably be expected to be performed by a person in a consultative
      capacity. Such duties shall include, but shall not be limited to:

      -     Meeting annually with Board of Directors of Bank to review and
            discuss the strategic plan and the goals and objectives of Bank.

      -     Continuing to utilize the Bank as a significant banking facility for
            the Consulting Director and his or her businesses.

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      -     Continuing to refer customers to the Bank and to support the Bank
            within the Bank's community.

      -     Allowing the Bank to utilize the Consulting Director's name in all
            of the Bank and Bank affiliate publications.

      -     When invited by the Chairman of the Board, utilizing best efforts to
            attend the Bank retreats, meetings and other functions.

      -     Providing meaningful and comprehensive input to strategic issues or
            policies as requested by the Chairman.

      -     Not becoming involved as a director, officer, large shareholder
            (over 1%), advisor, consultant or employee of any financial
            institution operating in the counties where the Bank operates a
            branch or loan office.

      -     Being accessible to officers, directors and attorneys for any
            litigation support for the Bank or its affiliates involving the
            directorship with the Bank or its affiliates.

      The Board may waive any of the individual service requirements set forth
      above on a case by case basis.

3.    CONSULTING TERM. Subject to the terms and conditions hereof, the Company
      agrees to retain the Consulting Director for a term of three (3) years
      commencing as of the date Consulting Director's retirement from the Board
      of Directors of the Company ("Effective Date"). The Company may not
      terminate the Consulting Director's service agreement prior to the end of
      the three-year term unless such termination is due to a Termination for
      Cause as defined herein.

4.    FEES AND BENEFITS.

      (a)   BASE FEE AMOUNT. The Company shall, during the term of this
            Agreement, pay the Executive an annual base fee of $10,000 beginning
            on the Effective Date, pro rated for periods of less than 12 months.

      (b)   DEATH BENEFITS. If the Consulting Director dies prior to the
            termination of this Agreement, the Company shall pay the Consulting
            Director's named beneficiary (or the Consulting Director's estate if
            no beneficiary is named) a death benefit of $30,000 less any
            payments the Consulting Director has already received under the
            terms of this Agreement.

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5.    TERMINATION OF SERVICE. The Board of Directors of the Company may
      terminate the services of the Consulting Director under the following
      circumstances:

      (a)   DEATH DURING: THE THREE-YEAR CONSULTATIVE PERIOD. This Agreement
            ends at death, however, any eligible death benefits payable
            hereunder shall be paid in accordance with the provisions of
            paragraph 4(b) herein.

      (b)   DISABILITY The Company may terminate the Consulting Director's
            services for Disability if the Consulting Director is incapacitated
            or absent and unable to perform substantially all the regular duties
            of this Agreement for at least 180 days, consecutive or
            non-consecutive, during any 12 month period. Disability shall be
            determined by mutual agreement or by a physician who is board
            certified in the field of the Consulting Director's affiliation.

      (c)   VOLUNTARY RESIGNATION OR TERMINATION FOR CAUSE. If the Consulting
            Director shall voluntarily terminate his or her services for other
            than Good Reason or if the Company shall discharge the Consulting
            Director for Cause, this Agreement shall terminate immediately and
            the Company shall have no further obligation to make any payment
            under this Agreement which has not already become payable, but has
            not yet been paid. Provided, however, that with respect to any plans
            or programs in which the Consulting Director is participating at the
            time of his or her termination, the Consulting Director's rights and
            benefits under each such plan shall be determined in accordance with
            the terms, conditions, and limitations of the plan and any separate
            agreement executed by the Consulting Director which may then be in
            effect.

            For the purposes of this Agreement, the Company shall have "Cause"
            to terminate the Consulting Director's services hereunder upon:

            (i)   the willful and continued failure by the Consulting Director
                  to perform his or her duties with the Company (other than any
                  such failure resulting from incapacity due to Disability),
                  after a demand for substantial performance is delivered to the
                  Consulting Director by the Board which specifically identifies
                  the manner in which the Board believes that he or she has not
                  substantially performed his or her duties;

            (ii)  the willful engaging by the Consulting Director in gross
                  misconduct materially and demonstrably injurious to the
                  Company. For purposes of this paragraph, no act, or failure to
                  act, on the Consulting Director's part shall be considered
                  "willful" unless done, or omitted to be done, by him not in
                  good faith and without reasonable belief that his or her
                  action or omission was not in the best interest of the
                  Company;

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            For purposes of this Agreement, "Good Reason" shall mean:

            (i)   without his or her express written consent, the assignment to
                  the Consulting Director of any duties inconsistent with his or
                  her positions, duties, responsibilities and status with the
                  Company, or

            (ii)  a reduction by the Company in the Consulting Director's base
                  fee amount as in effect on the date hereof.

6.    MISCELLANEOUS PROVISIONS.

      (a)   CONSULTING DIRECTOR'S HEIRS ETC. The Consulting Director may not
            assign his or her rights or delegate his or her duties or
            obligations hereunder without the written consent of the Company.
            This Agreement shall inure to the benefit of and be enforceable by
            the Consulting Director's personal or legal representatives,
            executors, administrators, successors, heirs, distributees, devisees
            and legatees. If the Consulting Director should die while any
            amounts would still be payable to him or her hereunder as if he or
            she had continued to live, all such amounts, unless other provided
            herein, shall be paid in accordance with the terms of this Agreement
            to his or her designee or, if there be no such designee, to his or
            her estate.

      (b)   NOTICE. For the purposes of this Agreement, notices and all other
            communications provided for in the Agreement shall be in writing and
            shall be deemed to have been duly given when delivered or mailed by
            United States registered or certified mail, return receipt
            requested, postage prepaid, addressed to the respective addresses
            set forth on the first page of this Agreement, provided that all
            notices to the Company shall be directed to the attention of the
            Chief Executive Officer of the Company with a copy to the Secretary
            of the Company, or to such other in writing in accordance herewith,
            except that notices of change of address shall be effective only
            upon receipt.

      (c)   AMENDMENT: WAIVER. No provisions of this Agreement may be modified,
            waived or discharged unless such waiver, modification or discharge
            is agreed to in writing signed by the Consulting Director and an
            authorized officer of the Company. No waiver by either party hereto
            at any time of any breach by the other party hereto of, or
            compliance with, any condition or provision of this Agreement to be
            performed by such other party shall be deemed a waiver of similar or
            dissimilar provisions or conditions at the same or at any prior or
            subsequent time. No agreements or representations, oral or
            otherwise, express or implied, with respect to the subject matter
            hereof have been made by either party which are not set forth
            expressly in this Agreement.

      (d)   INVALID PROVISIONS. Should any portion of this Agreement be adjudged
            or held to be invalid, unenforceable or void, such holding shall not
            have the effect of invalidating or voiding the remainder of this
            Agreement and the parties hereby agree that the portion so held
            invalid, unenforceable or void shall, if possible, be deemed

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            amended or reduced in scope, or otherwise be stricken from this
            Agreement to the extent required for the purposes of validity and
            enforcement thereof.

      (e)   COUNTERPARTS. This Agreement may be executed in one or more
            counterparts, each of which shall be deemed to be an original but
            all of which together will constitute one and the same instrument.

      (f)   GOVERNING LAW. This Agreement shall be governed by and construed
            under the laws of the State of California.

      (g)   CAPTIONS AND HEADINGS. The use of captions and Section headings
            herein is for purposes of convenience only and shall not effect the
            interpretation or substance of any provisions contained herein.

IN WITNESS WHEREOF, the Consulting Director and a duly authorized Company
officer have signed this Agreement.

JERRY V. KEHR                             PLUMAS BANK
"CONSULTING DIRECTOR"                     "COMPANY"

s/s JERRY V. KEHR                         By:  s/s W. E. ELLIOTT
--------------------------------------       -----------------------------------
                                          Title:  President & CEO
                                                --------------------------------

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                                                                   EXHIBIT 10.16

NOTWITHSTANDING ANY OTHER PROVISION OF THIS AGREEMENT, NO SHARES OF THE BANK'S
STOCK SHALL BE ISSUED PURSUANT HERETO UNLESS THE BANK'S 1991 STOCK OPTION PLAN
SHALL HAVE FIRST BEEN APPROVED BY THE SHAREHOLDERS OF THE BANK HOLDING NOT LESS
THAN A MAJORITY OF THE OUTSTANDING SHARES OF THE BANK'S COMMON STOCK REPRESENTED
AND VOTING AT A MEETING OF SHAREHOLDERS AND BY A MAJORITY OF THE DISINTERESTED
SHARES REPRESENTED AND VOTING AT THE MEETING.

                                   PLUMAS BANK
                      NON-QUALIFIED STOCK OPTION AGREEMENT

        THIS AGREEMENT, dated the 19th day of November, 1997, entered into by
and between Plumas Bank (the "Bank"), and Daniel E. West ("Optionee");

        WHEREAS, pursuant to the 1991 Stock Option Plan of the Bank (the
"Plan"), a copy of which is hereto attached, the Board of Directors of the Bank
(or the Stock Option Committee, if authorized by the Board of Directors) has
authorized granting to Optionee a stock option to purchase all or any part of
Two Thousand Five Hundred (2,500) authorized but unissued shares of the Bank's
Common Stock for cash at the price of Seventeen and 375/100 Dollars ($17.375)
per share, such option to be for the term and upon the terms and conditions
hereinafter stated;

        NOW, THEREFORE, it is hereby agreed:

        1. Grant of Option. Pursuant to said action of the Board of Directors
(or the Stock Option Committee) and pursuant to authorizations granted by all
appropriate regulatory and governmental agencies, the Bank hereby grants to
Optionee the option to purchase, upon and subject to the terms and conditions of
the Plan, which is incorporated in full herein by this reference, all or any
part of Two Thousand Five Hundred (2,500) shares of the Bank's Common Stock
(hereinafter called "stock") at the price of Seventeen and 375/100 Dollars
($17.375) per share, which price is not less than 100% of the fair market value
of the stock as of the date of action of the Board of Directors (or the Stock
Option Committee) granting this option.

        2. Exercisability. This option shall be exercisable as to 500 shares on
November 19, 1998; 500 shares on November 19, 1999; 500 shares on November 19,
2000; 500 shares on November 19, 2001; and 500 shares on November 19, 2002.
This option shall remain exercisable as to all of such shares until November 19,
2007 (but not after the expiration of ten (10) years from the date this option
is granted) unless this option has expired or terminated earlier in

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accordance with the provisions hereof. Shares as to which this option becomes
exercisable pursuant to the foregoing provision may be purchased at any time
prior to expiration of this option.

        3. Exercise of Option. This option may be exercised by written notice
delivered to the Bank stating the number of shares with respect to which this
option is being exercised, together with cash in the amount of the purchase
price of such shares. Not less than ten (10) shares may be purchased at any one
time unless the number purchased is the total number which may be purchased
under this option and in no event may the option be exercised with respect to
fractional shares. Upon exercise, Optionee shall make appropriate arrangements
and shall be responsible for the withholding of any federal and state taxes then
due.

        4. Cessation of Employment or directorship. Except as provided in
Paragraphs 2 and 5 hereof, if Optionee shall cease to be employed or cease to be
a director of the Bank or a subsidiary corporation for any reason other than
Optionee's death or disability, this option shall expire 90 days thereafter.
During the 90 day period this option shall be exercisable only as to those
installments, if any, which had accrued as of the date when the Optionee ceased
to be employed by or ceased to be a director of the Bank or the subsidiary
corporation.

        5. Termination of Employment or Directorship for Cause. If Optionee's
employment or directorship with the Bank or a subsidiary corporation is
terminated for cause, this option shall expire immediately, unless reinstated by
the Board of Directors within thirty (30) days of such termination by giving
written notice of such reinstatement to Optionee at his last known address. In
the event of such reinstatement, Optionee may exercise this option only to such
extent, for such time, and upon such terms and conditions as if Optionee had
ceased to be employed by or to be a director of the Bank or a subsidiary
corporation upon the date of such termination for a reason other than cause,
death or disability. Termination for cause shall include, but not be limited to,
termination for malfeasance or gross misfeasance in the performance of duties or
conviction of illegal activity in connection therewith.

        6. Nontransferability; Death or Disability of Optionee. This option
shall not be transferable except by Will or by the laws of descent and
distribution and shall be exercisable during Optionee's lifetime only by
Optionee. If Optionee dies while employed by or while being a director of the
Bank or a subsidiary corporation, or during the 90 day period referred to in
Paragraph 4 hereof, this option shall

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expire one (1) year after the date of Optionee's death or on the day specified
in Paragraph 2 hereof, whichever is earlier. After Optionee's death but before
such expiration, the persons to whom Optionee's rights under this option shall
have passed by Will or by the applicable laws of descent and distribution or the
executor or administrator of Optionee's estate shall have the right to exercise
this option as to those shares for which installments had accrued under
Paragraph 2 hereof as of the date on which Optionee ceased to be employed by or
ceased to be a director of the Bank or a subsidiary corporation. If the Optionee
terminates his employment or directorship because of a disability, the Optionee
may exercise this option to the extent he or she is entitled to do so at the
date of termination, at any time within one year of the date of termination, or
before the expiration date specified n paragraph 2 hereof, whichever is earlier.

        7. Employment. This Agreement shall not obligate the Bank or a
subsidiary corporation to employ Optionee for any period, nor shall it interfere
in any way with the right of the Bank or a subsidiary corporation to reduce
Optionee's compensation.

        8. Privileges of Stock Ownership. Optionee shall have no rights as a
stockholder with respect to the Bank's stock subject to this option until the
date of issuance of stock certificates to Optionee. Except as provided in the
Plan, no adjustment will be made for dividends or other rights for which the
record date is prior to the date such stock certificates are issued.

        9. Modification and Termination by Board of Directors. The rights of
Optionee are subject to modification and termination upon the occurrence of
certain events as provided in Sections 13 and 14 of the Plan.

        10. Notification of Sale. Optionee agrees that Optionee, or any person
acquiring shares upon exercise of this option, will notify the Bank not more
than five (5) days after any sale or other disposition of such shares. No shares
issuable upon the exercise of this option shall be issued and delivered unless
and until all applicable requirements Of California and federal law pertaining
to the issuance and sale of such shares, and all applicable listing requirements
of the securities exchanges, if any, on which shares of the Bank of the same
class are then listed shall have been complied with.

        11. Notices. Any notice to the Bank provided for in this Agreement shall
be addressed to it in care of its President or Chief Financial Officer at its
main office and any notice to Optionee shall be

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addressed to Optionee's address on file with the Bank or a subsidiary
corporation, or to such other address as either may designate to the other in
writing. Any notice shall be deemed to be duly given if and when enclosed in a
properly sealed envelope and addressed as stated above and deposited, postage
prepaid, with the United States Postal Service. In lieu of giving notice by mail
as aforesaid, any written notice under this Agreement may be given to Optionee
in person, and to the Bank by personal delivery to its President or Chief
Financial Officer.

        IN WITNESS WHEREOF, the parties hereto have executed this Agreement.

OPTIONEE                                  PLUMAS BANK

By  /s/ DANIEL E. WEST                  By  /s/ JERRY V. KEHR
    ----------------------                  ------------------------------------
    Daniel E. West                          Jerry V. Kehr Chairman of the Board

                                          By  /s/ ROBERT SCHOENSEE
                                            ------------------------------------
                                             Robert Schoensee, Vice Chairman
                                             Of the Board

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                       FIRST AMENDMENT TO THE PLUMAS BANK
                          1991 STOCK OPTION AGREEMENT

This First Amendment to the Plumas Bank 1991 Stock Option Agreement is entered
into by and between Daniel E. West ("Optionee") and Plumas Bank on December
5, 2000 for the purpose of amending the option agreement ("Option") by and
between Optionee and Plumas Bank entered into on November 19, 1997.

WHEREAS, the Plumas Bank 1991 Stock Option Plan ("1991 Plan") previously only
allowed for stock option exercises by the payment of cash, and has since been
amended to allow the exercise of stock options by the delivery of existing
shares of Plumas Bank stock held by the option.

NOW, THEREFORE, the Optionee and the Bank agree to the amendment of the Option
as follows:

1.   AMENDMENT OF SECTION 3. The first sentence in Section 3 shall be amended in
     the entirety to read as follows:

          This option may be exercised by written notice delivered to the
          Bank stating the number of shares with respect to which this option is
          being exercised, together with the purchase price in cash or subject
          to applicable law, with Bank common stock previously acquired by the
          optionee and held by the optionee for a period of at least six months.

2.   AMENDMENT OF SECTION 3. A new sentence shall be added after the sentence in
     the aforementioned amendment to read in the entirety as follows:

          The equivalent dollar value of shares used to effect a purchase
          shall be the fair market value of the shares on the date of the
          exercise.

PLUMAS BANK                                     OPTIONEE

/s/ W. E. ELLIOTT                               /s/ DANIEL E. WEST
------------------------------------            ----------------------
William E. Elliott, President & CAO             Daniel E. West

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