Document:

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EXHIBIT 10.11 - FORM OF DIRECTOR RETIREMENT AND SPLIT DOLLAR AGREEMENTS

                          FIRST NORTHERN BANK OF DIXON
                          DIRECTOR RETIREMENT AGREEMENT

      THIS AGREEMENT is made as of this 1st day of December 2001, by and between
First Northern Bank of Dixon, a California-chartered bank whose main office is
located in Dixon, California, and ________ (the "Director").

      To encourage the Director to remain a member of First Northern Bank of
Dixon's board of directors, First Northern Bank of Dixon is willing to provide
retirement benefits to the Director. First Northern Bank of Dixon will pay the
benefits from its general assets. None of the conditions or events included in
the definition of the term "golden parachute payment" that is set forth in
ss.18(k)(4)(A)(ii) of the Federal Deposit Insurance Act [12 U.S.C.
1828(k)(4)(A)(ii)] and in Federal Deposit Insurance Corporation Rule
359.1(f)(1)(ii) [12 CFR 359.1(f)(1)(ii)] exists or, to the best knowledge of
First Northern Bank of Dixon, is contemplated insofar as First Northern Bank of
Dixon is concerned.

                                    AGREEMENT

      In consideration of the foregoing premises and other good and valuable
consideration, the receipt and acceptance of which are hereby acknowledged, the
Director and First Northern Bank of Dixon hereby agree as follows:

                                    Article 1
                                   Definitions

      Whenever used in this Agreement, the following words and phrases shall
have the meanings specified:

      1.1 "Accrual Balance" means the amount required to be accrued by First
Northern Bank of Dixon according to generally accepted accounting principles to
account for benefits that may become payable to the Director under this
Agreement.

      1.2 "Change in Control" means that any of the following events occur:

            (a) Merger: First Northern Community Bancorp, parent corporation of
      First Northern Bank of Dixon, merges into or consolidates with another
      corporation, or merges another corporation into First Northern Community
      Bancorp, and as a result less than 50% of the combined voting power of the
      resulting corporation immediately after the merger or consolidation is
      held by persons who were the holders of First Northern Community Bancorp's
      voting securities immediately before the merger or consolidation. For
      purposes of this Agreement, the term "person" means an individual,
      corporation, partnership, trust, association, joint venture, pool,
      syndicate, sole proprietorship, unincorporated organization or other
      entity,

            (b) Acquisition of Significant Share Ownership: a report on Schedule
      13D or another form or schedule (other than Schedule 13G) is filed or is
      required to be filed under Sections 13(d) or 14(d) of the Securities
      Exchange Act of 1934, if the schedule discloses that the filing person or
      persons acting in concert has or have become the beneficial owner of 20%
      or more of a class of First Northern Community Bancorp's voting
      securities, but this paragraph (b) shall not apply to beneficial ownership
      of voting securities of First Northern Community Bancorp held in a
      fiduciary capacity by an entity in which First Northern Community Bancorp
      directly or indirectly beneficially owns 50% or more of the outstanding
      voting securities, or beneficial ownership of voting securities held by an
      employee benefit plan maintained for the benefit of First Northern Bank of
      Dixon's employees, or

            (c) Change in Board Composition: during any period of two
      consecutive years, individuals who constitute First Northern Community
      Bancorp's board of directors at the beginning of the two-year period cease
      for any reason to constitute at least a majority thereof; provided,
      however, that - for purposes of this paragraph (c) - each director who is
      first elected by the board (or first nominated by the board for election
      by stockholders) by a vote of at least two-thirds (2/3) of the directors
      who were directors at the beginning of the period shall be deemed to have
      been a director at the beginning of the two-year period.

      1.3 "Code" means the Internal Revenue Code of 1986, as amended.

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      1.4 "Disability" means, if the Director is covered by a bank-sponsored
disability policy, total disability as defined in the policy without regard to
any waiting period. If the Director is not covered by such a policy, Disability
means suffering a sickness, accident, or injury that - in the judgment of a
physician satisfactory to First Northern Bank of Dixon - prevents the Director
from performing substantially all of the Director's normal duties for First
Northern Bank of Dixon. As a condition to receiving any Disability benefits,
First Northern Bank of Dixon may require the Director to submit to physical or
mental evaluations and tests, as First Northern Bank of Dixon's board of
directors deems appropriate.

      1.5 "Early Termination" means Termination of Service on or after reaching
age 55 but before age 65 and after having served as a director for at least 10
years (including each year of board service before the Effective Date of this
Agreement), but Early Termination does not include Termination of Service as a
result of death, Disability, or Termination for Cause, or Termination of Service
within 24 months after the first occurrence of a Change in Control.

      1.6 "Early Termination Date" means the month, day and year in which Early
Termination occurs.

      1.7 "Effective Date" means the date and year first written above.

      1.8 "Normal Retirement Age" means the Director's 65th birthday.

      1.9 "Normal Retirement Date" means the later of the Normal Retirement Age
or Termination of Service.

      1.10 "Plan Year" means the calendar year ending on December 31.

      1.11 "Termination for Cause" is defined in Section 5.1.

      1.12 "Termination of Service" means that the Director ceases to be a
member of First Northern Bank of Dixon's board of directors for any reason
whatsoever. If the Director ceases to be a member of First Northern Bank of
Dixon's board of directors but continues to serve on the board of directors of
First Northern Community Bancorp, Termination of Service shall be deemed to have
occurred instead when the Director ceases also to be a member of the board of
directors of First Northern Community Bancorp. For purposes of this Agreement,
if there is a dispute over the service status of the Director or the date of the
Director's Termination of Service, First Northern Bank of Dixon shall have the
sole and absolute right to decide the dispute unless the first occurrence of a
Change in Control shall have occurred within 24 months before Termination of
Service.

                                    Article 2
                                Lifetime Benefits

      2.1 Normal Retirement Benefit. Upon Termination of Service on or after
Normal Retirement Age, and provided the Director has served as a director of
First Northern Bank of Dixon for at least 10 years (including each year of board
service before the Effective Date of this Agreement), First Northern Bank of
Dixon shall pay to the Director the benefit described in this Section 2.1
instead of any other benefit under this Agreement.

      2.1.1 Amount of Benefit. The annual benefit under this Section 2.1 is an
amount in cash equal to the product of (a) $1,000 multiplied by (b) the number
of years of the Director's service on the board of directors of First Northern
Bank of Dixon, up to a maximum of 15 years of service. For all purposes of this
Section 2.1, the Director shall be given full credit for each year of board
service before the Effective Date of this Agreement. In its sole discretion,
First Northern Bank of Dixon's board of directors may increase the annual
benefit under this Section 2.1.1, but it shall not be obliged to do so.

      2.1.2 Payment of Benefit. First Northern Bank of Dixon shall pay this
annual benefit to the Director in 12 equal monthly installments beginning with
the month after the month in which Termination of Service occurs. The benefit
shall be paid to the Director for 120 months.

      2.1.3 Section 2.4 Has Priority Over Other Sections. The Director's
entitlement to benefits arising out of Termination of Service within 24 months
after the first occurrence of a Change in Control shall be governed exclusively
by Section 2.4, even if the Director reaches Normal Retirement Age within 24
months after the first occurrence of a Change in Control.

      2.2 Early Termination Benefit. Provided the Director has reached age 55
and has served as a director for at least 10 years (including each year of board
service before the Effective Date of this Agreement), First Northern Bank of
Dixon shall pay to the Director the benefit described in this Section 2.2 upon
Early Termination instead of any other benefit under this Agreement, except as
provided in Article 5.

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      2.2.1 Amount of Benefit. The annual benefit under this Section 2.2 is the
Accrual Balance for the Plan Year ending immediately before the date on which
Early Termination occurred (except during the first Plan Year, the benefit is
the Accrual Balance at the end of Plan Year 1). For every year except the first
Plan Year, the benefit under this Section 2.2 is determined by vesting the
Director in 100% of the Accrual Balance for the Plan Year ending immediately
before the date on which Early Termination occurs. In its sole discretion, First
Northern Bank of Dixon's board of directors may increase the annual benefit
under this Section 2.2.1, but it shall not be obliged to do so.

      2.2.2 Payment of Benefit. First Northern Bank of Dixon shall pay this
annual benefit to the Director in 12 equal monthly installments beginning with
the month after the month in which Termination of Service occurs. The benefit
shall be paid to the Director for 120 months.

      2.3 Disability Benefit. If the Director terminates service because of
Disability before his or her Normal Retirement Age, First Northern Bank of Dixon
shall pay to the Director the benefit described in this Section 2.3 instead of
any other benefit under this Agreement, regardless of whether the Director has
accrued 10 years of service or has reached age 55.

      2.3.1 Amount of Benefit. The benefit under this Section 2.3 is the Accrual
Balance for the Plan Year ending immediately before the date on which
Termination of Service because of Disability occurred (except during the first
Plan Year, the benefit is the Accrual Balance at the end of Plan Year 1). For
every year except the first Plan Year, the benefit under this Section 2.3 is
determined by vesting the Director in 100% of the Accrual Balance for the Plan
Year ending immediately before the date on which Termination of Service because
of Disability occurs. In its sole discretion, First Northern Bank of Dixon's
board of directors may increase the benefit under this Section 2.3.1, but it
shall not be obliged to do so.

      2.3.2 Payment of Benefit. First Northern Bank of Dixon shall pay this
annual benefit to the Director in a single lump sum within 3 days after the
Director's Termination of Service.

      2.3.3 Section 2.4 Has Priority Over Other Sections. The Director's
entitlement to benefits arising out of Termination of Service within 24 months
after the first occurrence of a Change in Control shall be governed exclusively
by Section 2.4, even if Termination of Service is a result of Disability
occurring within 24 months after the first occurrence of a Change in Control.

      2.4 Change in Control Benefit. Except as provided in Article 5, if the
Director's service with First Northern Bank of Dixon terminates within 24 months
after the first occurrence of a Change in Control, First Northern Bank of Dixon
shall pay to the Director the benefit described in this Section 2.4 instead of
any other benefit under this Agreement, regardless of whether the Director has
accrued 10 years of service or has reached age 55.

      2.4.1 Amount of Benefit. The benefit under this Section 2.4 is the Accrual
Balance for the Plan Year ending immediately before the date on which
Termination of Service occurs (except during the first Plan Year, the benefit is
the Accrual Balance at the end of Plan Year 1). For every year except the first
Plan Year, the benefit under this Section 2.4 is determined by vesting the
Director in 100% of the Accrual Balance for the Plan Year ending immediately
before the date on which Termination of Service occurs. In its sole discretion,
First Northern Bank of Dixon's board of directors may increase the benefit under
this Section 2.4.1.

      2.4.2 Payment of Benefit. First Northern Bank of Dixon shall pay this
benefit to the Director in a single lump sum within 3 days after the Director's
Termination of Service.

      2.4.3 Section 2.4 Has Priority Over Other Sections. The Director's
entitlement to benefits arising out of Termination of Service within 24 months
after the first occurrence of a Change in Control shall be governed exclusively
by Section 2.4, even if Termination of Service is a result of death or
Disability occurring within 24 months after the first occurrence of a Change in
Control, and even if the Director reaches Normal Retirement Age within 24 months
after the first occurrence of a Change in Control.

      2.5 Petition for Payment of Vested Normal Retirement Benefit, Vested Early
Termination Benefit or Vested Disability Benefit. If the Director is entitled to
the Normal Retirement Age benefit provided by Section 2.1 or the Early
Termination benefit provided by Section 2.2, the Director may petition the board
of directors to have the Accrual Balance amount corresponding to that particular
benefit paid to the Director in a single lump sum after (a) deduction of any
Normal Retirement Age benefits or Early Termination benefits already paid, and
(b) addition of interest at the rate of 8% on the Accrual Balance not yet paid
for the period from Termination of Service to payment of the lump sum amount.
The board of directors shall have sole and absolute discretion about whether to
pay the remaining Accrual Balance in a lump sum. If the remaining Accrual
Balance is paid in a single lump sum, First Northern Bank of Dixon shall have no
further obligations under this Agreement.

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      2.6 Payout of Normal Retirement Benefit, Early Termination Benefit or
Disability Benefit after a Change in Control. If a Change in Control occurs at
any time during the entire 10-year retirement benefit payment period and if at
the time of that Change in Control the Director is receiving the Normal
Retirement Age benefit provided by Section 2.1 or the Early Termination benefit
provided by Section 2.2, First Northern Bank of Dixon shall pay to the Director
in a lump sum within three days after the Change in Control the Accrual Balance
amount corresponding to that particular benefit after (a) deduction of any
Normal Retirement Age benefits or Early Termination benefits already paid, and
(b) addition of interest at the rate of 8% on the Accrual Balance not yet paid
for the period from Termination of Service to payment of the lump sum amount. If
the remaining Accrual Balance is paid in a single lump sum, First Northern Bank
of Dixon shall have no further obligations under this Agreement.

                                    Article 3
                                 Death Benefits

      After the Director's death, First Northern Bank of Dixon shall pay to the
Director's beneficiary(ies) or estate the benefit described in the Split Dollar
Agreement and Endorsement, attached to this Agreement as Addendum A, between
First Northern Bank of Dixon and the Director in lieu of any other benefit
payable hereunder, in accordance with the terms and conditions of the Split
Dollar Agreement and Endorsement.

                                    Article 4
                                  Beneficiaries

      4.1 Beneficiary Designations. The Director shall designate a beneficiary
by filing a written designation with First Northern Bank of Dixon. The Director
may revoke or modify the designation at any time by filing a new designation.
However, designations will be effective if and only if signed by the Director
and received by First Northern Bank of Dixon 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, the Director's estate shall be the
beneficiary.

      4.2 Facility of Payment. If a benefit is payable to a minor, to a person
declared incapacitated or to a person incapable of handling the disposition of
his or her property, First Northern Bank of Dixon may pay such benefit to the
guardian, legal representative or person having the care or custody of such
minor, incapacitated person or incapable person. First Northern Bank of Dixon
may require proof of incapacity, minority or guardianship as it may deem
appropriate prior to distribution of the benefit. Such distribution shall
completely discharge First Northern Bank of Dixon from all liability with
respect to such benefit.

                                    Article 5
                               General Limitations

      5.1 Termination for Cause. Notwithstanding any provision of this Agreement
to the contrary, First Northern Bank of Dixon shall not pay any benefit under
this Agreement if First Northern Bank of Dixon terminates the Director's service
for:

            (a) Gross negligence or gross neglect of duties,

            (b) Commission of a felony or commission of a misdemeanor involving
      moral turpitude, or

            (c) Fraud, disloyalty, dishonesty or willful violation of any law or
      significant policy of First Northern Bank of Dixon committed in connection
      with the Director's service and, in First Northern Bank of Dixon's sole
      judgment, resulting in an adverse effect on First Northern Bank of Dixon.

      5.2 Suicide or Misstatement. First Northern Bank of Dixon shall not pay
any benefit under this Agreement if the Director commits suicide within two
years after the date of this Agreement while serving on the board of directors
of First Northern Bank of Dixon, or if the Director has made any material
misstatement of fact on any application for life insurance purchased by First
Northern Bank of Dixon.

      5.3 Removal. If the Director is removed from service and/or permanently
prohibited from participating in the conduct of First Northern Bank of Dixon's
affairs by an order issued under Section 8(e)(4) or (g)(1) of the Federal
Deposit Insurance Act, 12 U.S.C. 1818(e)(4) or (g)(1), all obligations of First
Northern Bank of Dixon under this Agreement shall terminate as of the effective
date of the order.

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      5.4 Insolvency. If the Commissioner of the California Department of
Financial Institutions appoints the Federal Deposit Insurance Corporation as
receiver for the Bank under California Financial Code ss.3220-3225, all
obligations under this Agreement shall terminate as of the date of First
Northern Bank of Dixon's declared insolvency.

                                    Article 6
                          Claims and Review Procedures

      6.1 Claims Procedure. First Northern Bank of Dixon shall notify any person
or entity that makes a claim for benefits under this Agreement (the "Claimant")
in writing, within 90 days of Claimant's written application for benefits, of
his or her eligibility or noneligibility for benefits under the Agreement. If
First Northern Bank of Dixon determines that the Claimant is not eligible for
benefits or full benefits, the notice shall set forth (a) the specific reasons
for such denial, (b) a specific reference to the provisions of the Agreement on
which the denial is based, (c) 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 (d) an explanation of the Agreement's
claims review procedure and other appropriate information as to the steps to be
taken if the Claimant wishes to have the claim reviewed. If First Northern Bank
of Dixon determines that there are special circumstances requiring additional
time to make a decision, First Northern Bank of Dixon shall notify the Claimant
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 90 days.

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

                                    Article 7
                                  Miscellaneous

      7.1 Binding Effect. This Agreement shall bind the Director and First
Northern Bank of Dixon, and their beneficiaries, survivors, executors,
successors, administrators and transferees.

      7.2 No Guarantee of Service. This Agreement is not a contract for
services. It does not give the Director the right to remain a Director of First
Northern Bank of Dixon, nor does the Agreement interfere with the rights of
First Northern Bank of Dixon's stockholder(s) not to re-elect the Director or
the right of stockholder(s) or the board to remove an individual as a director
of First Northern Bank of Dixon. The Agreement also does not require the
Director to remain a director nor interfere with the Director's right to
terminate services at any time.

      7.3 Non-Transferability. Benefits under this Agreement cannot be sold,
transferred, assigned, pledged, attached or encumbered in any manner.

      7.4 Successors; Binding Agreement. First Northern Bank of Dixon will
require any successor (whether direct or indirect, by purchase, merger,
consolidation or otherwise) to all or substantially all of the business and/or
assets of First Northern Bank of Dixon, by an assumption agreement in form and
substance satisfactory to the Director, to expressly assume and agree to perform
this Agreement in the same manner and to the same extent that First Northern
Bank of Dixon would be required to perform this Agreement if no such succession
had occurred. Failure of First Northern Bank of Dixon to obtain such assumption
agreement before effectiveness of any such succession shall be a breach of this
Agreement and shall entitle the Director to the Change in Control benefit
provided in Section 2.4.

      7.5 Amendment and Termination. This Agreement may be amended or terminated
only by a written agreement signed by First Northern Bank of Dixon and the
Director.

      7.6 Tax Withholding. First Northern Bank of Dixon shall withhold any taxes
that are required to be withheld from the benefits provided under this
Agreement.

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      7.7 Applicable Law. The Agreement and all rights hereunder shall be
governed by the internal substantive laws of the State of California,
disregarding principles of conflict of laws.

      7.8 Unfunded Arrangement. The Director and beneficiary(ies) are general
unsecured creditors of First Northern Bank of Dixon for the payment of benefits
under this Agreement. The benefits represent the mere promise by First Northern
Bank of Dixon to pay such benefits. The rights to benefits are not subject in
any manner to anticipation, alienation, sale, transfer, assignment, pledge,
encumbrance, attachment, or garnishment by creditors. Any insurance on the
Director's life is a general asset of First Northern Bank of Dixon to which the
Director and beneficiary have no preferred or secured claim.

      7.9 Entire Agreement. This Agreement constitutes the entire agreement
between First Northern Bank of Dixon and the Director as to the subject matter
hereof. No rights are granted to the Director under this Agreement other than
those specifically set forth herein.

      7.10 Administration. First Northern Bank of Dixon shall have all powers
necessary to administer this Agreement, including but not limited to

            (a) Interpreting the provisions of the Agreement,

            (b) Establishing and revising the method of accounting for the
      Agreement,

            (c) Maintaining a record of benefit payments, and

            (d) Establishing rules and prescribing any forms necessary or
      desirable to administer the Agreement.

      7.11 Named Fiduciary. First Northern Bank of Dixon shall be the named
fiduciary and plan administrator under this Agreement. The named fiduciary may
delegate to others certain aspects of the management and operation
responsibilities of the plan, including the employment of advisors and the
delegation of ministerial duties to qualified individuals.

      7.12 Severability. If for any reason any provision of this Agreement is
held invalid, such invalidity shall not affect any other provision of this
Agreement not held so invalid, and each such other provision shall continue in
full force and effect to the full extent consistent with the law. If any
provision of this Agreement is held invalid in part, such invalidity shall in no
way affect the rest of such provision not held so invalid, and the rest of such
provision together with all other provisions of this Agreement shall continue in
full force and effect to the full extent consistent with the law.

      7.13 Headings. The headings of Sections herein are included solely for
convenience of reference and shall not affect the meaning or interpretation of
any provision of this Agreement.

      7.14 Notices. All notices, requests, demands and other communications
hereunder shall be in writing and shall be deemed to have been duly given if
delivered by hand or mailed, certified or registered mail, return receipt
requested, with postage prepaid, to the following addresses or to such other
address as either party may designate by like notice.

      (a) If to First Northern Bank of Dixon, to:  Board of Directors
                                                   First Northern Bank of Dixon
                                                   195 North First Street
                                                   Dixon, California 95620

      (b) If to the Director, to:

and to such other or additional person or persons as either party shall have
designated to the other party in writing by like notice.

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      7.15 Termination or Modification of Agreement by Reason of Changes in the
Law, Rules or Regulations. First Northern Bank of Dixon is entering into this
Agreement on the assumption that certain existing tax laws, rules and
regulations will continue in effect in their current form. If the tax laws,
rules and regulations change materially and if the changes have a material
detrimental effect on this Agreement, First Northern Bank of Dixon reserves the
right to terminate or modify this Agreement accordingly, subject to obtaining
the written consent of the Director, which shall not be unreasonably withheld.

      7.16 Advice of Counsel. Before signing this Agreement, the Director either
(a) consulted with and obtained advice from the Director's independent legal
counsel concerning the legal nature and operations of this Agreement, including
its impact on the Director's rights, privileges and obligations, or (b) freely
and voluntarily decided not to have the benefit of such consultation and advice
with legal counsel.

      IN WITNESS WHEREOF, the Director and a duly authorized officer of First
Northern Bank of Dixon have signed this Agreement as of the day and year first
written above.

DIRECTOR                                FIRST NORTHERN BANK OF DIXON

___________________________                     By:

                                                Title:

                             BENEFICIARY DESIGNATION
                          FIRST NORTHERN BANK OF DIXON
                          DIRECTOR RETIREMENT AGREEMENT

                                   ----------

      I designate the following as beneficiary of any death benefits under this
Director Retirement Agreement:

Primary:

Contingent:

Note: To name a trust as beneficiary, please provide the name of the trustee(s)
      and the exact name and date of the trust agreement.

      I understand that I may change these beneficiary designations by filing a
new written designation with First Northern Bank of Dixon. I further understand
that the designations will be automatically revoked if the beneficiary
predeceases me, or if I have named my spouse as beneficiary and our marriage is
subsequently dissolved.

Signature:

Date:

      Received by First Northern Bank of Dixon this ___________ day of
_______________, 2001.

            By:

            Title:

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                                   ADDENDUM A
                          FIRST NORTHERN BANK OF DIXON
                     SPLIT DOLLAR AGREEMENT AND ENDORSEMENT

      THIS SPLIT DOLLAR AGREEMENT AND ENDORSEMENT is entered into as of this 1st
day of December, 2001, by and between First Northern Bank of Dixon, a
California-chartered bank located in Dixon, California and _____________, a
director of First Northern Bank of Dixon (the "Director"). This Split Dollar
Agreement and Endorsement shall append the Split Dollar Endorsement entered into
on even date herewith, or as subsequently amended, by and between the
aforementioned parties.

      To encourage the Director to remain a member of First Northern Bank of
Dixon's board of directors, First Northern Bank of Dixon is willing to divide
the death proceeds of a life insurance policy on the Director's life. First
Northern Bank of Dixon will pay life insurance premiums from its general assets.

                                    ARTICLE 1
                               GENERAL DEFINITIONS

      Capitalized terms not otherwise defined in this Split Dollar Agreement and
Endorsement are used herein as defined in the Director Retirement Agreement
dated as of December 1, 2001. The following terms shall have the meanings
specified:

      "Insurer" means New York Life Insurance Company, Massachusetts Mutual Life
Insurance Company, and Union Central Life Insurance Company.

      "Policy" means any or all insurance policy no. ______ issued by New York
Life Insurance Company, insurance policy no. issued by Massachusetts Mutual Life
Insurance Company, and insurance policy no. _______ issued by Union Central Life
Insurance Company.

      "Insured" means the Director.

                                    ARTICLE 2
                           POLICY OWNERSHIP INTERESTS

      2.1 Bank Ownership. First Northern Bank of Dixon is the sole owner of the
Policy and shall have the right to exercise all incidents of ownership. First
Northern Bank of Dixon shall be the beneficiary of any death proceeds remaining
after the Director's interest has been paid under Section 2.2 of this Split
Dollar Agreement and Endorsement.

      2.2 Executive's Interest. The Director shall have the right to designate
the beneficiary(ies) of death proceeds. After death of the Insured, the
Insured's Beneficiary(ies) designated in accordance with the Split Dollar Policy
Endorsement shall be entitled to an amount equal to (a) $120,000 if the Director
dies before age 65, (b) $60,000 if the Director dies after reaching age 65 but
before age 75, or (c) $30,000 if the Director dies thereafter. The Director
shall also have the right to elect and change settlement options specified in
the Policy that may be permitted.

      2.3 Option to Purchase. First Northern Bank of Dixon shall not sell,
surrender, or transfer ownership of the Policy while this Split Dollar Agreement
and Endorsement is in effect without first giving the Director or the Director's
transferee a right of first refusal to purchase the Policy for the Policy's
interpolated terminal reserve value. The right of first refusal to purchase the
Policy must be exercised within 60 days after the date First Northern Bank of
Dixon gives written notice of First Northern Bank of Dixon's intention to sell,
surrender, or transfer ownership of the Policy. This provision shall not impair
the right of First Northern Bank of Dixon to terminate this Split Dollar
Agreement and Endorsement.

      2.4 Comparable Coverage. Upon execution of this Agreement, First Northern
Bank of Dixon shall maintain the Policy in full force and effect, and First
Northern Bank of Dixon shall not amend, terminate or otherwise abrogate the
Director's interest in the Policy unless First Northern Bank of Dixon (a)
replaces the Policy with a comparable insurance policy to cover the benefit
provided under this Split Dollar Agreement and Endorsement and (b) executes a
new Split Dollar Agreement and Endorsement and Endorsement for the comparable
insurance policy. The Policy or any comparable policy shall be subject to the
claims of First Northern Bank of Dixon's creditors.

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                                    ARTICLE 3
                                    PREMIUMS

      3.1 Premium Payment. First Northern Bank of Dixon shall pay any premiums
due on the Policy.

      3.2 Imputed Income. First Northern Bank of Dixon shall impute income to
the Director in an amount equal to (a) the current term rate for the Director's
age, multiplied by (b) the net death benefit payable to the Director's
beneficiary(ies). The "current term rate" is the minimum amount required to be
imputed under Revenue Rulings 64-328 and 66-110, or any subsequent applicable
authority.

                                    ARTICLE 4
                                   ASSIGNMENT

      The Director may assign without consideration all interests in the Policy
and in this Split Dollar Agreement to any person, entity or trust. If the
Director transfers all of the Director's interest in the Policy, then all of the
Director's interest in the Policy and in the Split Dollar Agreement and
Endorsement shall be vested in the Director's transferee, who shall be
substituted as a party hereunder, and the Director shall have no further
interest in the Policy or in this Split Dollar Agreement and Endorsement.

                                    ARTICLE 5
                                     INSURER

      The Insurer shall be bound only by the terms of the Policy. Any payments
the Insurer makes or actions it takes in accordance with the Policy shall fully
discharge it from all claims, suits, and demands of all entities or persons. The
Insurer shall not be bound by or be deemed to have notice of the provisions of
this Split Dollar Agreement and Endorsement.

                                    ARTICLE 6
                                CLAIMS PROCEDURE

      6.1 Claims Procedure. First Northern Bank of Dixon shall notify in writing
any person or entity making a claim under this Split Dollar Agreement and
Endorsement (the "Claimant") of his or her eligibility or ineligibility for
benefits under this Split Dollar Agreement and Endorsement. First Northern Bank
of Dixon shall provide the written notice within 90 days after Claimant's
written application for benefits. If First Northern Bank of Dixon determines
that the Claimant is not eligible for benefits or full benefits, the notice
shall set forth (a) the specific reasons for the denial, (b) a specific
reference to the provisions of this Split Dollar Agreement and Endorsement on
which denial is based, (c) 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 (d) an explanation of this Split Dollar
Agreement and Endorsement's claims review procedure and other appropriate
information concerning the steps to be taken if the Claimant wishes to have the
claim reviewed. If First Northern Bank of Dixon determines that there are
special circumstances requiring additional time to make a decision, First
Northern Bank of Dixon shall notify the Claimant of the special circumstances
and the date by which a decision is expected to be made, extending the time for
up to an additional 90 days.

      6.2 Review Procedure. If First Northern Bank of Dixon determines that the
Claimant is not eligible for benefits or full benefits, or if the Claimant
believes that he or she is entitled to greater or different benefits, the
Claimant shall have the opportunity to have his or her claim reviewed by First
Northern Bank of Dixon by filing a petition for review with First Northern Bank
of Dixon within 60 days after receipt of the written notice issued by First
Northern Bank of Dixon. The Claimant's petition shall state the specific reasons
the Claimant believes entitle him or her to benefits or to greater or different
benefits. Within 60 days after First Northern Bank of Dixon's receipt of the
petition, First Northern Bank of Dixon shall give the Claimant (and counsel, if
any) an opportunity to present his or her position to First Northern Bank of
Dixon verbally or in writing, and the Claimant (or counsel) shall have the right
to review the pertinent documents. First Northern Bank of Dixon shall notify the
Claimant of First Northern Bank of Dixon's decision in writing within the 60-day
period, stating specifically the basis of its decision and identifying the
specific provisions of this Split Dollar Agreement and Endorsement on which the
decision is based. If, because of the need for a hearing, the 60-day period is
not sufficient, the decision may be deferred for up to another 60-day period at
the election of First Northern Bank of Dixon, but notice of this deferral must
be given to the Claimant.

                                       76

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                                    ARTICLE 7
                           AMENDMENTS AND TERMINATION

      7.1 Amendment. This Split Dollar Agreement and Endorsement may be amended
only by a writing signed by First Northern Bank of Dixon and the Director.

      7.2 Termination of Agreement. This Split Dollar Agreement and Endorsement
shall terminate upon the occurrence of any of the following events:

      (a)   The Insured is discharged or removed from service as a director of
            First Northern Bank of Dixon for cause. The term "for cause" shall
            mean any of the following: (1) gross negligence or gross neglect of
            duties, (2) the commission of a felony or the commission of a
            misdemeanor involving moral turpitude, (3) fraud, disloyalty,
            dishonesty, or willful violation of any law or significant policy of
            First Northern Bank of Dixon committed in connection with the
            Director's service and, in First Northern Bank of Dixon's sole
            judgment, resulting in an adverse effect on First Northern Bank of
            Dixon, or

      (b)   Surrender, lapse, or other termination of the Policy by First
            Northern Bank of Dixon, or

      (c)   Distribution of the death benefit proceeds in accordance with
            Section 2.2 above.

                                    ARTICLE 8
                                  MISCELLANEOUS

      8.1 Binding Effect. This Split Dollar Agreement and Endorsement shall bind
the Director and First Northern Bank of Dixon and their beneficiaries,
survivors, executors, administrators and transferees, and any Policy
beneficiary.

      8.2 No Guarantee of Employment. This Split Dollar Agreement and
Endorsement is not an employment policy or contract. It does not give the
Director the right to remain a director of First Northern Bank of Dixon, nor
does it interfere with the right of First Northern Bank of Dixon's
stockholder(s) not to re-elect the Director or the right of the stockholder(s)
or the board to remove an individual as a director of First Northern Bank of
Dixon. This Split Dollar Agreement and Endorsement also does not require the
Director to remain a director nor interfere with the Director's right to
terminate director service at any time.

      8.3 Successors; Binding Agreement. By an assumption agreement in form and
substance satisfactory to the Director, First Northern Bank of Dixon shall
require any successor (whether direct or indirect, by purchase, merger,
consolidation or otherwise) to all or substantially all of the business or
assets of First Northern Bank of Dixon to expressly assume and agree to perform
this Split Dollar Agreement and Endorsement in the same manner and to the same
extent that First Northern Bank of Dixon would be required to perform this Split
Dollar Agreement and Endorsement if no succession had occurred. First Northern
Bank of Dixon's failure to obtain such an assumption agreement before succession
becomes effective shall be considered a breach of the Split Dollar Agreement and
Endorsement and shall entitle the Director to the Change in Control benefit
payable under Article 2 of the Director Retirement Agreement between First
Northern Bank of Dixon and the Director.

      8.4 Applicable Law. The Split Dollar Agreement and Endorsement and all
rights hereunder shall be governed by and construed according to the internal
substantive laws of the State of California, disregarding principles of conflict
of laws.

      8.5 Entire Agreement. This Split Dollar Agreement and Endorsement and the
Director Retirement Agreement constitute the entire agreement between First
Northern Bank of Dixon and the Director concerning the subject matter hereof. No
rights are granted to the Director under this Split Dollar Agreement and
Endorsement other than those specifically set forth herein.

      8.6 Administration. First Northern Bank of Dixon shall have all powers
necessary to administer this Split Dollar Agreement and Endorsement, including
but not limited to the power to

      (a)   interpret the provisions of the Split Dollar Agreement and
            Endorsement,

      (b)   establish and revise the method of accounting for the Split Dollar
            Agreement and Endorsement,

      (c)   maintain a record of benefit payments, and

      (d)   establish rules and prescribe forms necessary or desirable to
            administer the Split Dollar Agreement.

                                       77

<PAGE>

      8.7 Named Fiduciary. First Northern Bank of Dixon shall be the named
fiduciary and plan administrator under this Split Dollar Agreement and
Endorsement. First Northern Bank of Dixon may delegate to others certain aspects
of management and operational responsibilities, including the employment of
advisors and the delegation of ministerial duties to qualified individuals.

      8.8 Severability. If for any reason any provision of this Split Dollar
Agreement and Endorsement is held invalid, such invalidity shall not affect any
other provision of this Split Dollar Agreement and Endorsement not held so
invalid, and each such other provision shall continue in full force and effect
to the full extent consistent with the law. If any provision of this Split
Dollar Agreement and Endorsement is held invalid in part, such invalidity shall
in no way affect the remainder of such provision not held so invalid, and the
remainder of such provision together with all other provisions of this Split
Dollar Agreement and Endorsement shall continue in full force and effect to the
full extent consistent with the law.

      8.9 Headings. The headings herein are included solely for convenience of
reference and shall not affect the meaning or interpretation of any provision of
this Split Dollar Agreement and Endorsement.

      8.10 Notices. All notices, requests, demands and other communications
hereunder shall be in writing and shall be deemed to have been duly given if
delivered by hand or mailed, certified or registered mail, return receipt
requested, with postage prepaid, to the following addresses or to such other
address as either party may designate by like notice.

      (a)                               If to First Northern Bank of Dixon, to:
                                        Board of Directors
                                        First Northern Bank of Dixon
                                        195 North First Street
                                        Dixon, California 95620

      (b)   If to the Director, to:

and to such other or additional person or persons as either party shall have
designated to the other party in writing by like notice.

      IN WITNESS WHEREOF, First Northern Bank of Dixon and the Director have
signed this Split Dollar Agreement and Endorsement as of the date and year first
written above.

THE DIRECTOR                            FIRST NORTHERN BANK OF DIXON

______________________________                  By:

                                                Its:

                         SPLIT DOLLAR POLICY ENDORSEMENT
                          FIRST NORTHERN BANK OF DIXON

Policy No. __________________ (New York Life)              Insured:_____________
Policy No. __________________ (Massachusetts Mutual Life)
Policy No. __________________ (Union Central Life)

      Supplementing and amending the application for insurance to New York Life
Insurance Company, Massachusetts Mutual Life Insurance Company, and Union
Central Life Insurance Company (the "Insurer") on _______, the applicant
requests and directs that:

                                       78

<PAGE>

                                  BENEFICIARIES

      1. First Northern Bank of Dixon, located in Dixon, California, shall be
the beneficiary of any death proceeds remaining after the Insured's interest has
been paid under paragraph (2) below.

      2. The Insured or the Insured's transferee shall designate the
beneficiary(ies) of death proceeds. After the Insured's death, the Insured's
beneficiary(ies) designated in accordance with this Split Dollar Policy
Endorsement shall be entitled to an amount equal to (a) $120,000 if the Insured
dies before age 65, (b) $60,000 if the Insured dies after reaching age 65 but
before age 75, or (c) $30,000 if the Insured dies thereafter.

                                    OWNERSHIP

      3. The Owner of the Policy shall be First Northern Bank of Dixon. The
Owner shall have all ownership rights in the Policy except as may be
specifically granted to the Insured or the Insured's transferee in paragraph (4)
of this endorsement.

      4. The Insured or the Insured's transferee shall have the right to assign
his or her rights and interests in the Policy with respect to that portion of
the death proceeds designated in paragraph (2) of this endorsement, and to
exercise all settlement options with respect to such death proceeds.

               MODIFICATION OF ASSIGNMENT PROVISIONS OF THE POLICY

      5. Upon the death of the Insured, the interest of any collateral assignee
of the Owner of the Policy designated in (3) above shall be limited to the
portion of the proceeds described in paragraph (1) above.

                                OWNER'S AUTHORITY

      6. The Insurer is hereby authorized to recognize the Owner's claim to
rights hereunder without investigating the reason for any action taken by the
Owner, including the Owner's statement of the amount of premiums the Owner has
paid on the Policy. The signature of the Owner shall be sufficient for the
exercise of any rights under this Endorsement and the receipt of the Owner for
any sums received by it shall be a full discharge and release therefore to the
Insurer. The Insurer may rely on a sworn statement in form satisfactory to it
furnished by the Owner, its successors or assigns, as to their interest and any
payments made pursuant to such statement shall discharge First Northern Bank of
Dixon accordingly.

      7. Any transferee's rights shall be subject to this Endorsement.

      8. The Owner accepts and agrees to this split dollar endorsement.

      9. The undersigned is signing in a representative capacity and warrants
that he or she has the authority to bind the entity on whose behalf this
document is being executed.

Signed by First Northern Bank of Dixon at Dixon, California, this        day of
               , 200 .

FIRST NORTHERN BANK OF DIXON

By:

Its:

      The Insured accepts and agrees to the foregoing and, subject to the rights
of the Owner as stated above, designates ____________________________,
(relationship: ____________________________) as primary beneficiary(s) and
____________________________, (relationship: ____________________________) as
secondary beneficiary of the portion of the proceeds described in (2) above.

Signed at Dixon, California, this        day of                  , 200 .

THE INSURED

                                       79<PAGE>

EXHIBIT 10.12 - FORM OF SALARY CONTINUATION AND SPLIT DOLLAR AGREEMENT

The Salary Continuation and Split Dollar agreements are generally the same for
each executive except for the following terms:

Annual benefit payable under the salary continuation agreement for 10 years at
retirement on or after normal retirement age 65:

Owen J. Onsum, $125,000
Louise A. Walker, $100,000
Robert Walker, $100,000
Don Fish, $50,000

Life Insurance Benefit if the executive dies in 2002:

Owen J. Onsum, $1,000,000
Louise A. Walker, $800,000
Robert Walker, $800,000
Don Fish, $450,000

Payment of legal fees incurred by the officers associated with the
interpretation, enforcement, or defense of their rights under the Salary
Continuation Agreement, up to a maximum:

Owen J. Onsum, $500,000
Louise A. Walker, Robert Walker and Don Fish, $250,000

                          FIRST NORTHERN BANK OF DIXON
                          Salary Continuation Agreement

THIS SALARY CONTINUATION AGREEMENT is entered into as of this 1st day of
January, 2002, by and between First Northern Bank of Dixon, a
California-chartered, FDIC-insured bank with its main office in Dixon,
California (the "Bank"), and ________________ (the "Executive").

WHEREAS, the Executive has contributed substantially to the success of the Bank
and its parent corporation, First Northern Community Bancorp, and the Bank
desires that the Executive continue in its employ,

WHEREAS, to encourage the Executive to remain an employee of the Bank, the Bank
is willing to provide salary continuation benefits to the Executive, payable out
of the Bank's general assets,

WHEREAS, none of the conditions or events included in the definition of the term
"golden parachute payment" that is set forth in ss.18(k)(4)(A)(ii) of the
Federal Deposit Insurance Act [12 U.S.C. 1828(k)(4)(A)(ii)] and in Federal
Deposit Insurance Corporation Rule 359.1(f)(1)(ii) [12 CFR 359.1(f)(1)(ii)]
exists or, to the best knowledge of the Bank, is contemplated insofar as the
Bank is concerned.

                                       80

<PAGE>

NOW THEREFORE, in consideration of the foregoing premises and other good and
valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the parties hereto agree as follows:

                                    ARTICLE 1
                                   DEFINITIONS

Whenever used in this Agreement, the following terms shall have the meanings
specified:

1.1 "Accrual Balance" means the amount reflected in Schedule A, which is the
amount required to be accrued by the Bank under generally accepted accounting
principles to account for benefits that may become payable to the Executive
under this Agreement.

1.2 "Cause" shall have the meaning set forth in Section 5.1

1.3 "Change in Control" means any of the following events occurs:

            (a) Merger: First Northern Community Bancorp merges into or
      consolidates with another corporation, or merges another corporation into
      First Northern Community Bancorp, and as a result less than 50% of the
      combined voting power of the resulting corporation immediately after the
      merger or consolidation is held by persons who were stockholders of First
      Northern Community Bancorp immediately before the merger or consolidation,

            (b) Acquisition of Significant Share Ownership: a report on Schedule
      13D or another form or schedule (other than Schedule 13G) is filed or is
      required to be filed under Sections 13(d) or 14(d) of the Securities
      Exchange Act of 1934, if the schedule discloses that the filing person or
      persons acting in concert has or have become the beneficial owner of 20%
      or more of a class of First Northern Community Bancorp's voting
      securities, but this clause (b) shall not apply to beneficial ownership of
      First Northern Community Bancorp voting shares held in a fiduciary
      capacity by an entity of which First Northern Community Bancorp directly
      or indirectly beneficially owns 50% or more of its outstanding voting
      securities or voting shares held by an employee benefit plan maintained
      for the benefit of First Northern Bank of Dixon's employees, or

            (c) Change in Board Composition: during any period of two
      consecutive years, individuals who constitute First Northern Community
      Bancorp's Board of Directors at the beginning of the two-year period cease
      for any reason to constitute at least a majority of First Northern
      Community Bancorp's Board of Directors; provided, however, that - for
      purposes of this clause (c) - each director who is first elected by the
      board (or first nominated by the board for election by stockholders) by a
      vote of at least two-thirds of the directors who were directors at the
      beginning of the period shall be deemed to have been a director at the
      beginning of the two-year period.

1.4 "Disability" means the Executive suffers a sickness, accident or injury
which has been determined by the carrier of any individual or group disability
insurance policy covering the Executive, or by the Social Security
Administration, to be a disability rendering the Executive totally and
permanently disabled. The Executive must submit proof to the Bank of the
carrier's or Social Security Administration's determination upon the request of
the Bank.

1.5 "Early Retirement Age" means the later of the Executive's 55th birthday or
the date which the Executive has at least 10 years of service with the Bank. If
the Executive does not have 10 years of service with the Bank by the date of his
55th birthday, the Executive's Early Retirement Age means the date on which the
Executive has 10 years of service with the Bank.

1.6 "Early Termination" means termination of the Executive's employment with the
Bank before Normal Retirement Age for reasons other than death, disability,
termination for cause or within 24 months after a Change in Control.

                                       81

<PAGE>

1.7 "Early Termination Date" means the month, day and year in which Early
Termination occurs.

1.8 "Effective Date" means the date and year first written above.

1.9 "Good Reason" for purposes of this Agreement shall be defined as:

            (a) a material reduction in Executive's title or responsibilities;

            (b) a reduction in base salary as in effect on the date of a Change
      in Control of the Bank;

            (c) the relocation of the Executive's principal executive office so
      that Executive's one-way commute distance from Executive's residence is
      increased by more than forty (40) miles;

            (d) the adverse and substantial alteration in the nature and quality
      of the office space within which the Executive performs his duties,
      including the size and location thereof, as well as the secretarial and
      administrative support provided to the Executive;

            (e) the failure by the Bank to continue to provide the Executive
      with compensation and benefits substantially similar to those provided to
      him under any of the employee benefit plans in which the Executive becomes
      a participant, or the taking of any action by the Bank which would
      directly or indirectly materially reduce any of such benefits or deprive
      the Executive of any material fringe benefit enjoyed by him at the time of
      the Change in Control; or

            (f) the failure of the Bank to obtain a satisfactory agreement from
      any successor or assign of the Bank to assume and agree to perform this
      Agreement, as contemplated in Section 7.5 hereof.

1.10 "Normal Retirement Age" means the Executive's 65th birthday.

1.11 "Normal Retirement Date" means the later of the Normal Retirement Age or
the Executive's Termination of Employment with the Bank.

1.12 "Person" means an individual, corporation, partnership, trust, association,
joint venture, pool, syndicate, sole proprietorship, unincorporated organization
or other entity.

1.13 "Plan Year" means the calendar year ending on December 31.

1.14  "Termination of Employment" means that the Executive shall have ceased to
      be employed by the Bank for any reason whatsoever, excepting a leave of
      absence approved by the Bank. For purposes of this Agreement, if there is
      a dispute over the employment status of the Executive or the date of
      termination of the Executive's employment, the Bank shall have the sole
      and absolute right to decide the dispute, unless a Change in Control shall
      have occurred within 24 months before termination of employment.

                                       82

<PAGE>

                                    ARTICLE 2
                                LIFETIME BENEFITS

2.1 Normal Retirement Benefit. Upon the Executive's Termination of Employment on
or after the Normal Retirement Age for reasons other than death, the Bank shall
pay to the Executive the benefit described in this Section 2.1 instead of any
other benefit under this Agreement.

2.1.1 Amount of Benefit. The annual benefit under this Section 2.1 is $________.
The Bank's Board of Directors may, in its sole discretion, increase the annual
benefit under this Section 2.1.1, but any increase shall require recalculation
of Schedule A. The benefits reflected in Schedule A are based on the assumption
that the Executive retires at age 65. If the Executive instead continues to
serve as an officer of the Bank after the Normal Retirement Age, the benefits
reflected in Schedule A shall be recalculated annually until the Executive's
Normal Retirement Date, using the same discount rate reflected in Schedule A.

2.1.2 Payment of Benefit. Beginning with the month after the Executive's Normal
Retirement Date, the Bank shall pay the annual benefit to the Executive in 12
equal monthly installments on the first day of each month. The annual benefit
shall be paid to the Executive for 10 years.

2.2 Early Termination Benefit. Upon Early Termination on or after Early
Retirement Age, the Bank shall pay to the Executive the benefit described in
this Section 2.2 instead of any other benefit under this Agreement.

2.2.1 Amount of Benefit. The benefit under this Section 2.2 is the Early
Termination Annual Benefit amount set forth in Schedule A for the Plan Year
ending immediately before the Early Termination Date. The Bank's Board of
Directors may, in its sole discretion, increase the annual benefit under this
Section 2.2.1, but any increase shall require recalculation of Schedule A.

2.2.2 Payment of Benefit. The Bank shall pay the annual benefit to the Executive
in 12 equal monthly installments on the first day of each month commencing with
the month after the Early Termination Date. The annual benefit shall be paid to
the Executive for 10 years.

2.3 Disability Benefit. If the Executive terminates employment because of
Disability before the Normal Retirement Age, the Bank shall pay to the Executive
the benefit described in this Section 2.3 instead of any other benefit under
this Agreement.

2.3.1 Amount of Benefit. The benefit under this Section 2.3 is the Disability
Annual Benefit amount set forth in Schedule A for the Plan Year ending
immediately before the date on which termination of the Executive's employment
occurs. The Bank's Board of Directors may, in its sole discretion, increase the
annual benefit under this Section 2.3.1, but any increase shall require
recalculation of Schedule A.

2.3.2 Payment of Benefit. Beginning with the month after Termination of
Employment due to Disability, the Bank shall pay the Disability Annual Benefit
amount to the Executive in 12 equal monthly installments on the first day of
each month. The annual benefit shall be paid to the Executive for 10 years.

2.4 Change-in-Control Benefit. If the Executive's employment with the Bank
terminates involuntarily within 24 months after the first occurrence of a Change
in Control or in the event the Executive terminates employment voluntarily for
Good Reason within 24 months of such Change in Control, the Bank shall pay to
the Executive the benefit described in this Section 2.4 instead of any other
benefit under this Agreement. However, no benefits shall be payable under this
Agreement if the Executive's employment is terminated under Article 5 of this
Agreement.

                                       83

<PAGE>

2.4.1 Amount of Benefit: The Change-in-Control Benefit under this Section 2.4 is
determined by vesting the Executive in $________ (the Normal Retirement Age
Accrual Balance described in Section 2.1) and discounting the value of said
benefit using a discount rate equal to the 10-year US Treasury bill rate at the
Plan Year ending immediately before the date on which the Termination of
Employment occurs. For example, assume that a Change in Control occurs on
January 15, 2003 and the Executive is involuntarily terminated from employment
with the Bank on January 30, 2003. The Executive's Change-in-Control benefit
would be determined by discounting $_______ by the 10-year U.S. Treasury bill
rate at December 31, 2002 (the Plan Year ending immediately before the date on
which the Termination of Employment occurs). Assuming solely for illustration
the 10-year U.S. Treasury bill rate on December 31, 2002 were 4.8%, the
Executive's Change-in-Control benefit would be $_______. This example is
provided for illustrative purposes only. The Bank's Board of Directors may, in
its sole discretion, increase the benefit under this Section 2.4.1, but any
increase shall require recalculation of Schedule A.

2.4.2 Payment of Benefit: The Bank shall pay the Change-in-Control benefit under
Section 2.4 of this Agreement to the Executive in one lump sum within three days
after the Executive's Termination of Employment.

2.5 Petition for Payment of Vested Normal Retirement Benefit, Vested Early
Termination Benefit or Vested Disability Benefit. If the Executive is entitled
to the normal retirement benefit provided by Section 2.1, the Early Termination
benefit provided by Section 2.2, or the Disability benefit provided by Section
2.3, the Executive may petition the Board of Directors to have the Accrual
Balance amount corresponding to that particular benefit paid to the Executive in
a single lump sum after (a) deduction of any normal retirement benefits, Early
Termination benefits or Disability benefits already paid and (b) addition of
interest at the rate of 8.0% on the Accrual Balance not yet paid for the period
from Termination of Employment to payment of the lump sum amount. The Board of
Directors shall have sole and absolute discretion about whether to pay the
remaining Accrual Balance in a lump sum. If payment of the remaining Accrual
Balance is paid in a single lump sum, the Bank shall have no further obligations
under this Agreement.

2.6 Change-in-Control Payout of Vested Normal Retirement Benefit, Vested Early
Termination Benefit or Vested Disability Benefit Being Paid to the Executive at
the Time of a Change in Control. If a Change in Control occurs at any time
during the entire 10-year salary continuation benefit payment period and if at
the time of that Change in Control the Executive is receiving the benefit
provided by Section 2.1.2, Section 2.2.2 or Section 2.3.2, the Bank shall pay
the remaining salary continuation benefits to the Executive, his beneficiaries,
or estate in a lump sum within three days after the Change in Control. The
lump-sum payment due to the Executive, his beneficiaries or estate as a result
of a Change in Control shall be an amount equal to the Accrual Balance amount
corresponding to that particular benefit then being paid to the Executive, his
estate or beneficiaries pursuant to Section 2.1.2, Section 2.2.2 or Section
2.3.2 after (a) deduction of any normal retirement benefits, Early Termination
benefits or Disability benefits already paid and (b) addition of interest at the
rate of 8.0% on the Accrual Balance not yet paid for the period from Termination
of Employment to payment of the lump sum amount. If payment of the remaining
Accrual Balance is paid in a single lump sum, the Bank shall have no further
obligations under this Agreement.

2.7 Contradiction in Terms of Agreement and Schedule A. If there is a
contradiction in the terms of this Agreement and the Schedule A attached hereto
with the actual amount of a particular benefit amount due the Executive pursuant
to Section 2.2, 2.3, or 2.4 hereof, then the actual amount of said benefit set
forth in the Agreement shall control.

                                       84

<PAGE>

                                    ARTICLE 3
                                 DEATH BENEFITS

After the Executive's death, whether before or after Termination of Employment
at Early Retirement Age or Normal Retirement Age, the Bank shall pay to the
Executive's beneficiary(ies) the benefit described in the Split Dollar Agreement
and Endorsement, attached to this Agreement as Addendum A, between the Bank and
the Executive in lieu of any other benefit payable hereunder, in accordance with
the terms and conditions of the Split Dollar Agreement and Endorsement.

                                    ARTICLE 4
                                  BENEFICIARIES

4.1 Beneficiary Designations. The Executive shall designate a beneficiary or
beneficiaries by filing a written designation with the Bank. The Executive may
revoke or modify the designation at any time by filing a new designation.
However, designations will be effective only if signed by the Executive and
accepted by the Bank during the Executive's lifetime. The Executive's
beneficiary designation shall be deemed automatically revoked if the beneficiary
predeceases the Executive, or if the Executive names a spouse as beneficiary and
the marriage is subsequently dissolved. If the Executive dies without a valid
beneficiary designation, all payments shall be made to the Executive's estate.

4.2 Facility of Payment. If a benefit is payable to a minor, to a person
declared incapacitated, 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, incapacitated
person or incapable person. The Bank may require such proof of incapacity,
minority or guardianship as the Bank deems appropriate before distribution of
the benefit. Distribution shall completely discharge the Bank from all liability
for such benefit.

                                    ARTICLE 5
                               GENERAL LIMITATIONS

5.1 Termination for Cause. Notwithstanding any provision of this Agreement to
the contrary, the Bank shall not pay any benefit under this Agreement if the
Bank terminates the Executive's employment for:

      (a)   Gross negligence or gross neglect of duties,

      (b)   Commission of a felony or commission of a misdemeanor involving
            moral turpitude, or

      (c)   Fraud, disloyalty, dishonesty, or willful violation of any law or
            significant Bank policy committed in connection with the Executive's
            employment and, in the Bank's sole judgment, resulting in an adverse
            effect on the Bank.

5.2 Suicide or Misstatement. The Bank shall not pay any benefit under this
Agreement if the Executive commits suicide within two years after the date of
this Agreement and while employed at the Bank, or if the Executive has made or
makes any material misstatement of fact on any application for life insurance
purchased by the Bank.

5.3 Removal. If the Executive is removed from office or permanently prohibited
from participating in the conduct of the Bank's affairs by an order issued under
Section 8(e)(4) or (g)(1) of the Federal Deposit Insurance Act, 12 U.S.C.
ss.1818(e)(4) or (g)(1), all obligations of the Bank under this Agreement shall
terminate as of the effective date of the order.

                                       85

<PAGE>

5.4 Insolvency. If the Commissioner of the California Department of Financial
Institutions appoints the Federal Deposit Insurance Corporation as receiver for
the Bank under California Financial Code ss.3220-3225, all obligations under
this Agreement shall terminate as of the date of the Bank's declared insolvency.

                                    ARTICLE 6
                          CLAIMS AND REVIEW PROCEDURES

6.1 Claims Procedure. A person or beneficiary ("claimant") who has not received
benefits under the Agreement that he or she believes should be paid shall make a
claim for such benefits as follows:

6.1.1 Initiation - Written Claim. The claimant initiates a claim by submitting
      to the Bank a written claim for the benefits.

6.1.2 Timing of Bank Response. The Bank shall respond to such claimant within 90
days after receiving the claim. If the Bank determines that special
circumstances require additional time for processing the claim, the Bank can
extend the response period by an additional 90 days by notifying the claimant in
writing, prior to the end of the initial 90-day period, that an additional
period is required. The notice of extension must set forth the special
circumstances and the date by which the Bank expects to render its decision.

6.1.3 Notice of Decision. If the Bank denies part or all of the claim, the Bank
shall notify the claimant in writing of such denial. The Bank shall write the
notification in a manner calculated to be understood by the claimant. The
notification shall set forth:

6.1.3.1 The specific reasons for the denial,

6.1.3.2 A reference to the specific provisions of the Agreement on which the
denial is based,

6.1.3.3 A description of any additional information or material necessary for
the claimant to perfect the claim and an explanation of why it is needed,

6.1.3.4 An explanation of the Agreement's review procedures and the time limits
applicable to such procedures, and

6.1.3.5 A statement of the claimant's right to bring a civil action under ERISA
Section 502(a) following an adverse benefit determination on review.

6.2 Review Procedure. If the Bank denies part or all of the claim, the claimant
shall have the opportunity for a full and fair review by the Bank of the denial,
as follows:

6.2.1 Initiation - Written Request. To initiate the review, the claimant, within
60 days after receiving the Bank's notice of denial, must file with the Bank a
written request for review.

6.2.2 Additional Submissions - Information Access. The claimant shall then have
the opportunity to submit written comments, documents, records and other
information relating to the claim. The Bank shall also provide the claimant,
upon request and free of charge, reasonable access to, and copies of, all
documents, records and other information relevant (as defined in applicable
ERISA regulations) to the claimant's claim for benefits.

6.2.3 Considerations on Review. In considering the review, the Bank shall take
into account all materials and information the claimant submits relating to the
claim, without regard to whether such information was submitted or considered in
the initial benefit determination.

                                       86

<PAGE>

6.2.4 Timing of Bank Response. The Bank shall respond in writing to such
claimant within 60 days after receiving the request for review. If the Bank
determines that special circumstances require additional time for processing the
claim, the Bank can extend the response period by an additional 60 days by
notifying the claimant in writing, prior to the end of the initial 60-day
period, that an additional period is required. The notice of extension must set
forth the special circumstances and the date by which the Bank expects to render
its decision.

6.2.5 Notice of Decision. The Bank shall notify the claimant in writing of its
decision on review. The Bank shall write the notification in a manner calculated
to be understood by the claimant. The notification shall set forth:

6.2.5.1 The specific reasons for the denial,

6.2.5.2 A reference to the specific provisions of the Agreement on which the
denial is based,

6.2.5.3 A statement that the claimant is entitled to receive, upon request and
free of charge, reasonable access to, and copies of, all documents, records and
other information relevant (as defined in applicable ERISA regulations) to the
claimant's claim for benefits, and

6.2.5.4 A statement of the claimant's right to bring a civil action under ERISA
Section 502(a).

                                    ARTICLE 7
                                  MISCELLANEOUS

7.1 Binding Effect. This Agreement shall bind the Executive and the Bank, and
their beneficiaries, survivors, executors, successors, administrators and
transferees.

7.2 Amendments and Termination. This Agreement may be amended or terminated only
by a written agreement signed by the Bank and the Executive.

7.3 No Guarantee of Employment. This Agreement is not an employment policy or
contract. It does not give the Executive the right to remain an employee of the
Bank, nor does it interfere with the Bank's right to discharge the Executive. It
also does not require the Executive to remain an employee nor interfere with the
Executive's right to terminate employment at any time.

7.4 Non-Transferability. Benefits under this Agreement cannot be sold,
transferred, assigned, pledged, attached, or encumbered in any manner.

7.5 Successors; Binding Agreement. By an assumption agreement in form and
substance satisfactory to the Executive, the Bank will require any successor
(whether direct or indirect, by purchase, merger, consolidation or otherwise) to
all or substantially all of the business or assets of the Bank to expressly
assume and agree to perform this Agreement in the same manner and to the same
extent that the Bank would be required to perform this Agreement if no such
succession had occurred. The Bank's failure to obtain such an assumption
agreement before the succession becomes effective shall be considered a breach
of this Agreement and shall entitle the Executive to the Change-in-Control
benefit provided in Section 2.4.

7.6   Tax Withholding. The Bank shall withhold any taxes that are required to be
      withheld from the benefits provided under this Agreement.

                                       87

<PAGE>

7.7 Applicable Law. Except to the extent preempted by the laws of the United
States of America, the validity, interpretation, construction, and performance
of this Agreement shall be governed by and construed in accordance with the laws
of the State of California, without giving effect to the principles of conflict
of laws of such state.

7.8 Unfunded Arrangement. The Executive and his beneficiary(ies) are general
unsecured creditors of the Bank for the payment of benefits under this
Agreement. The benefits represent the mere promise by the Bank to pay such
benefits. The rights to benefits are not subject in any manner to anticipation,
alienation, sale, transfer, assignment, pledge, encumbrance, attachment, or
garnishment by creditors. Any insurance on the Executive's life is a general
asset of the Bank to which the Executive and beneficiary have no preferred or
secured claim.

7.9 Entire Agreement. This Agreement constitutes the entire agreement between
the Bank and the Executive as to the subject matter hereof. No rights are
granted to the Executive by virtue of this Agreement other than those
specifically set forth herein.

7.10 Administration. The Bank shall have the powers that are necessary to
administer this Agreement, including but not limited to the power to:

      (a)   interpret the provisions of the Agreement,

      (b)   establish and revise the method of accounting for the Agreement,

      (c)   maintain a record of benefit payments, and

      (d)   establish rules and prescribe forms necessary or desirable to
            administer the Agreement.

7.11 Named Fiduciary. The Bank shall be the named fiduciary and plan
administrator under this Agreement. The named fiduciary may delegate to others
certain aspects of the management and operational responsibilities of the plan,
including the employment of advisors and the delegation of ministerial duties to
qualified individuals.

7.12 Severability. If for any reason any provision of this Agreement is held
invalid, such invalidity shall not affect any other provision of this Agreement
not held so invalid, and each such other provision shall, to the full extent
consistent with the law, continue in full force and effect. If any provision of
this Agreement shall be held invalid in part, such invalidity shall in no way
affect the remainder of such provision, not held so invalid, and the remainder
of such provision, together with all other provisions of this Agreement shall,
to the full extent consistent with the law, continue in full force and effect.

7.13 Headings. The headings of Sections herein are included solely for
convenience of reference and shall not affect the meaning or interpretation of
any provision of this Agreement.

7.14  Notices. All notices, requests, demands and other communications hereunder
      shall be in writing and shall be deemed to have been duly given if
      delivered by hand or mailed, certified or registered mail, return receipt
      requested, with postage prepaid, to the following addresses or to such
      other address as either party may designate by like notice.

                                       88

<PAGE>

            (a)   If to the Bank, to:
                  Board of Directors
                  First Northern Bank of Dixon
                  195 North First Street
                  P.O. Box 547
                  Dixon, California 95620

            (b)   If to the Executive, to:
                  ___________________________________
                  ___________________________________
                  ___________________________________

                  and to such other or additional person or persons as either
                  party shall have designated to the other party in writing by
                  like notice.

7.15 Termination or Modification of Agreement by Reason of Changes in the Law,
Rules or Regulations. The Bank is entering into this agreement upon the
assumption that certain existing tax laws, rules and regulations will continue
in effect in their current form. If said assumptions should materially change
and said change has a material detrimental effect on this Agreement, then the
Bank reserves the right to terminate or modify this Agreement accordingly,
subject to obtaining the written consent of the Executive, which shall not be
unreasonably withheld.

7.16 Advice of Counsel. Before signing this Agreement, Executive either (i)
consulted with and obtained advice from Executive's independent legal counsel in
respect to the legal nature and operations of this Agreement, including its
impact on Executive's rights, privileges and obligations, or (ii) freely and
voluntarily decided not to have the benefit of such consultation and advice with
legal counsel.

IN WITNESS WHEREOF, the Executive and a duly authorized Bank officer have signed
this Agreement as of the day and year first written above.

THE EXECUTIVE:                          THE BANK:
                                        FIRST NORTHERN BANK OF DIXON

                                        By:    __________________________

                                        Its:   __________________________

                                       89

<PAGE>

                             BENEFICIARY DESIGNATION
                          FIRST NORTHERN BANK OF DIXON
                          SALARY CONTINUATION AGREEMENT

                                   ----------

I designate the following as beneficiary of any death benefits under this Salary
Continuation Agreement:

Primary: __________________________

Contingent: _______________________

Note: To name a trust as beneficiary, please provide the name of the trustee(s)
      and the exact name and date of the trust agreement.
              -----

I understand that I may change these beneficiary designations by filing a new
written designation with the Bank. I further understand that the designations
will be automatically revoked if the beneficiary predeceases me, or if I have
named my spouse as beneficiary and our marriage is subsequently dissolved.

Signature: _______________________________

Date:      ________________________________

Accepted by the Bank this _____________ day of _____________, 2002.

By:    ___________________________

Title:

                                       90

<PAGE>

                                   Schedule A
                          First Northern Bank of Dixon
                          Salary Continuation Agreement

                                 DONALD J. FISH

<TABLE>
<CAPTION>
                                                                                         Early
                                                                                      Termination     Disability
                                                                                        Annual          Annual
                                                                                        Benefit         Benefit
                                                                                       payable for      payable
                                                                                         Early            for
                                                                                      Termination      Disability
                                                         Early                           during        Occurring
            Plan year     Executive's     Accrual     Termination        Vested         Indicated       During
Plan         ending       Age at Plan    balance @      vesting          accrual          Plan         Indicated
year       December 31,     Year End      8.0%/1/       schedule         balance         Year/2/       Plan Year
----       ------------   -----------    ---------    -----------       --------      ------------    -----------
<S>           <C>              <C>       <C>               <C>          <C>                <C>          <C>
 1            2002             63        $121,884          0%              $0              $0           $17,628

 2            2003             64        $264,001          0%              $0              $0           $38,182

 3            2004             65        $336,137                       $336,137

 4            2005             66        $311,816                       $311,816

 5            2006             67        $285,476                       $285,476

 6            2007             68        $256,950                       $256,950

 7            2008             69        $226,056                       $226,056

 8            2009             70        $192,598                       $192,598

 9            2010             71        $156,363                       $156,363

10            2011             72        $117,120                       $117,120

11            2012             73        $74,621                        $74,621

12            2013             74        $28,594                        $28,594

13            2014             75           $0                             $0
</TABLE>

      /1/ The Accrual Balance reflects payment at the beginning of each month
during retirement, with the first payment occurring during August, 2004.
      /2/ Donald J. Fish was hired on January 2, 1997 and thus will not satisfy
the Early Retirement Age definition ofss.1.5 prior to attaining Normal
Retirement Age. Mr. Fish will not become vested until his Normal Retirement
Date.

                                       91

<PAGE>

                                   Schedule A
                          First Northern Bank of Dixon
                          Salary Continuation Agreement

                                  OWEN J. ONSUM

<TABLE>
<CAPTION>
                                                                                         Early
                                                                                      Termination     Disability
                                                                                        Annual          Annual
                                                                                        Benefit         Benefit
                                                                                       payable for      payable
                                                                                         Early            for
                                                                                      Termination      Disability
                                                         Early                           during        Occurring
            Plan year     Executive's     Accrual     Termination        Vested         Indicated       During
Plan         ending       Age at Plan    balance @      vesting          accrual          Plan         Indicated
year       December 31,     Year End      8.0%/1/     schedule/2/        balance          Year         Plan Year
----       ------------   -----------    ---------    -----------       --------      ------------    -----------
<S>           <C>              <C>       <C>              <C>           <C>             <C>             <C>
 1            2002             58        $65,812          100%          $65,812         $9,518          $9,518

 2            2003             59        $142,550         100%          $142,550        $20,617         $20,617

 3            2004             60        $231,572         100%          $231,572        $33,492         $33,492

 4            2005             61        $334,389         100%          $334,389        $48,362         $48,362

 5            2006             62        $452,679         100%          $452,679        $65,471         $65,471

 6            2007             63        $588,302         100%          $588,302        $85,085         $85,085

 7            2008             64        $743,319         100%          $743,319        $107,505        $107,505

 8            2009             65        $850,013                       $850,013

 9            2010             66        $790,013                       $790,013

10            2011             67        $725,032                       $725,032

11            2012             68        $654,658                       $654,658

12            2013             69        $578,443                       $578,443

13            2014             70        $495,902                       $495,902

14            2015             71        $406,511                       $406,511

15            2016             72        $309,700                       $309,700

16            2017             73        $204,853                       $204,853

17            2018             74        $91,305                        $91,305

18            2019             75           $0                             $0
</TABLE>

      /1/ The Accrual Balance reflects payment at the beginning of each month
during retirement, with the first payment occurring during October. 2009.
      /2/ Benefit is based on present value of the current payment stream of the
vested accrual balance using a standard discount rate (8.00%). Because as of the
Agreement's Effective Date Mr. Onsum satisfies the Early Retirement Age
definition in Agreementss.1.5, Mr Onsum is 100% vested in the Accrual Balance.

                                       92

<PAGE>

                                   Schedule A
                          First Northern Bank of Dixon
                          Salary Continuation Agreement

                                ROBERT M. WALKER

<TABLE>
<CAPTION>
                                                                                         Early
                                                                                      Termination     Disability
                                                                                        Annual          Annual
                                                                                        Benefit         Benefit
                                                                                       payable for      payable
                                                                                         Early            for
                                                                                      Termination      Disability
                                                         Early                           during        Occurring
            Plan year     Executive's     Accrual     Termination        Vested         Indicated       During
Plan         ending       Age at Plan    balance @      vesting          accrual          Plan         Indicated
year       December 31,     Year End      8.0%/1/       schedule         balance         Year/2/       Plan Year
----       ------------   -----------    ---------    -----------       --------      ------------    -----------
<S>           <C>              <C>       <C>             <C>            <C>             <C>             <C>
 1            2002             52        $17,517           0%              $0              $0            $2,533

 2            2003             53        $37,941           0%              $0              $0            $5,487

 3            2004             54        $61,635           0%              $0              $0            $8,914

 4            2005             55        $89,001         100%/3/        $89,001         $12,872         $12,872

 5            2006             56        $120,485         100%          $120,485        $17,426         $17,426

 6            2007             57        $156,582         100%          $156,582        $22,646         $22,646

 7            2008             58        $197,841         100%          $197,841        $28,614         $28,614

 8            2009             59        $244,871         100%          $244,871        $35,415         $35,415

 9            2010             60        $298,344         100%          $298,344        $43,149         $43,149

10            2011             61        $359,008         100%          $359,008        $51,923         $51,923

11            2012             62        $427,686         100%          $427,686        $61,856         $61,856

12            2013             63        $505,291         100%          $505,291        $73,080         $73,080

13            2014             64        $592,832         100%          $592,832        $85,741         $85,741

14            2015             65        $691,425         100%          $691,425        $100,000        $100,000

15            2016             66        $644,372                       $644,372

16            2017             67        $593,413                       $593,413

17            2018             68        $538,225                       $538,225

18            2019             69        $478,456                       $478,456

19            2020             70        $413,727                       $413,727

20            2021             71        $343,625                       $343,625

21            2022             72        $267,705                       $267,705

22            2023             73        $185,483                       $185,483

23            2024             74        $96,437                        $96,437

24            2025             75           $0                             $0
</TABLE>

      /1/ The Accrual Balance reflects payment at the beginning of each month
during retirement, with the first payment occurring during January, 2016.
      /2/ Benefit is based on present value of the current payment stream of the
vested accrual balance using a standard discount rate (8.00%).
      /3/ Mr. Walker becomes vested in his Early Termination Benefit upon
attaining age 55 on December 24, 2005.

                                       93

<PAGE>

                                   Schedule A
                          First Northern Bank of Dixon
                          Salary Continuation Agreement

                                LOUISE A. WALKER

<TABLE>
<CAPTION>
                                                                                         Early
                                                                                      Termination     Disability
                                                                                        Annual          Annual
                                                                                        Benefit         Benefit
                                                                                       payable for      payable
                                                                                         Early            for
                                                                                      Termination      Disability
                                                         Early                           during        Occurring
            Plan year     Executive's     Accrual     Termination        Vested         Indicated       During
Plan         ending       Age at Plan    balance @      vesting          accrual          Plan         Indicated
year       December 31,     Year End      8.0%/1/       schedule         balance         Year/2/       Plan Year
----       ------------   -----------    ---------    -----------       --------      ------------    -----------
<S>           <C>              <C>       <C>             <C>            <C>             <C>             <C>
 1            2002             42         $4,893           0%              $0              $0            $708

 2            2003             43        $10,597           0%              $0              $0            $1,533

 3            2004             44        $17,215           0%              $0              $0            $2,490

 4            2005             45        $24,859           0%              $0              $0            $3,595

 5            2006             46        $33,653           0%              $0              $0            $4,867

 6            2007             47        $43,735           0%              $0              $0            $6,325

 7            2008             48        $55,260           0%              $0              $0            $7,992

 8            2009             49        $68,396           0%              $0              $0            $9,892

 9            2010             50        $83,332           0%              $0              $0           $12,052

10            2011             51        $100,276          0%              $0              $0           $14,503

11            2012             52        $119,458          0%              $0              $0           $17,277

12            2013             53        $141,135          0%              $0              $0           $20,412

13            2014             54        $165,586          0%              $0              $0           $23,949

14            2015             55        $193,124        100%/3/        $193,124        $27,931         $27,931

15            2016             56        $224,093         100%          $224,093        $32,410         $32,410

16            2017             57        $258,872         100%          $258,872        $37,440         $37,440

17            2018             58        $297,881         100%          $297,881        $43,082         $43,082

18            2019             59        $341,581         100%          $341,581        $49,403         $49,403

19            2020             60        $390,484         100%          $390,484        $56,475         $56,475

20            2021             61        $445,152         100%          $445,152        $64,382         $64,382

21            2022             62        $506,204         100%          $506,204        $73,212         $73,212

22            2023             63        $574,324         100%          $574,324        $83,064         $83,064

23            2024             64        $650,265         100%          $650,265        $94,047         $94,047

24            2025             65        $668,367                       $668,367

25            2026             66        $619,400                       $619,400

26            2027             67        $566,369                       $566,369

27            2028             68        $508,936                       $508,936
</TABLE>

                                       94

<PAGE>

<TABLE>
<CAPTION>
            Plan year     Executive's     Accrual                        Vested
Plan         ending       Age at Plan    balance @                       accrual
year       December 31,     Year End      8.0%/1/                        balance
----       ------------   -----------    ---------    -----------       --------      ------------    -----------
<S>           <C>              <C>       <C>                            <C>
28            2029             69        $446,737                       $446,737

29            2030             70        $379,374                       $379,374

30            2031             71        $306,421                       $306,421

31            2032             72        $227,413                       $227,413

32            2033             73        $141,847                       $141,847

33            2034             74        $49,179                        $49,179

34            2035             75           $0                             $0
</TABLE>

      /1/ The Accrual Balance reflects payment at the beginning of each month
during retirement, with the first payment occurring during July, 2025.
      /2/ Benefit is based on present value of the current payment stream of the
vested accrual balance using a standard discount rate (8.00%).
      /3/ Louise A. Walker satisfies the Early Retirement Age definition of
ss.1.5 on her birthday on June 22, 2015, and thus is vested in her Early
Termination Benefit as of her 55th birthday. Ms. Walker was hired by the Bank on
October 4, 1979 and thus will have 10 years of service by the time of her 55th
birthday.

                                       95

<PAGE>

                                   ADDENDUM A
                          FIRST NORTHERN BANK OF DIXON
                             SPLIT DOLLAR AGREEMENT

THIS SPLIT DOLLAR AGREEMENT is entered into as of this 1st day of January, 2002,
by and between First Northern Bank of Dixon, a California-chartered,
FDIC-insured bank with its main office in Dixon, California (the "Bank") and
_______________ (the "Executive"). This Split Dollar Agreement shall append the
Split Dollar Endorsement entered into on even date herewith, or as subsequently
amended, by and between the aforementioned parties.

To encourage the Executive to remain an employee of the Bank, the Bank is
willing to divide the death proceeds of a life insurance policy on the
Executive's life. The Bank will pay life insurance premiums from its general
assets.

                                   ARTICLE 1
                              GENERAL DEFINITIONS

Capitalized terms not otherwise defined in this Split Dollar Agreement are used
herein as defined in the Salary Continuation Agreement of even date herewith.
The following terms shall have the meanings specified:

      "Insurer" means New York Life Insurance Company, Massachusetts Mutual Life
Insurance Company, and Union Central Life Insurance Company.

      "Policy" means any or all insurance policy no. _______ issued by New York
Life Insurance Company, insurance policy no. _______ issued by Massachusetts
Mutual Life Insurance Company, and insurance policy no. ___________ issued by
Union Central Life Insurance Company.

"Insured" means the Executive.

                                    ARTICLE 2
                           POLICY OWNERSHIP/INTERESTS

2.1 Bank Ownership. The Bank is the sole owner of the Policy and shall have the
right to exercise all incidents of ownership. The Bank shall be the beneficiary
of any death proceeds remaining after the Executive's interest has been paid
under Section 2.2 of this Split Dollar Agreement.

2.2 Executive's Interest. The Executive shall have the right to designate the
beneficiary(ies) of death proceeds. If at the time of Termination of Employment
the Insured is entitled to receive benefits under the Salary Continuation
Agreement with the Bank in effect at the time of Termination of Employment, or
if Termination of Employment occurs because of the Insured's death, then the
Insured's Beneficiary(ies), designated in accordance with the Split Dollar
Policy Endorsement, shall be entitled to an amount equal to the amount set forth
in Exhibit A that corresponds to the age of the Insured at the time of the
Insured's death, or one hundred percent (100%) of the net at risk insurance
portion of the proceeds, whichever amount is less. The net at risk insurance
portion is the total proceeds less the cash value of the Policy. The Executive
shall also have the right to elect and change settlement options specified in
the Policy that may be permitted.

2.3 Option to Purchase. The Bank shall not sell, surrender or transfer ownership
of the Policy while this Split Dollar Agreement is in effect without first
giving the Executive or the Executive's transferee a right of first refusal to
purchase the Policy for the Policy's interpolated terminal reserve value. The
right of first refusal to purchase the Policy must be exercised within 60 days
from the date the Bank gives written notice of the Bank's intention to sell,
surrender or transfer ownership of the Policy. This provision shall not impair
the right of the Bank to terminate this Split Dollar Agreement.

      2.5   Comparable Coverage. Upon execution of this Agreement, the Bank
            shall maintain the Policy in full force and effect, and the Bank
            shall not amend, terminate or otherwise abrogate the Executive's
            interest in the Policy unless the Bank (a) replaces the Policy with
            a comparable insurance policy to cover the benefit provided under
            this Split Dollar Agreement and (b) executes a new Split Dollar
            Agreement and Endorsement for the comparable insurance policy. The
            Policy or any comparable policy shall be subject to the claims of
            the Bank's creditors.

                                       96

<PAGE>

                                    ARTICLE 3
                                    PREMIUMS

3.1 Premium Payment. The Bank shall pay any premiums due on the Policy.

3.2 Imputed Income. The Bank shall impute income to the Executive in an amount
equal to (a) the current term rate for the Executive's age, multiplied by (b)
the net death benefit payable to the Executive's beneficiary(ies). The "current
term rate" is the minimum amount required to be imputed under Revenue Rulings
64-328 and 66-110, or any subsequent applicable authority.

                                    ARTICLE 4
                                   ASSIGNMENT

The Executive may assign without consideration all interests in the Policy and
in this Split Dollar Agreement to any person, entity or trust. If the Executive
transfers all of the Executive's interest in the Policy, then all of the
Executive's interest in the Policy and in the Split Dollar Agreement shall be
vested in the Executive's transferee, who shall be substituted as a party
hereunder, and the Executive shall have no further interest in the Policy or in
this Split Dollar Agreement.

                                    ARTICLE 5
                                     INSURER

The Insurer shall be bound only by the terms of the Policy. Any payments the
Insurer makes or actions it takes in accordance with the Policy shall fully
discharge it from all claims, suits and demands of all entities or persons. The
Insurer shall not be bound by or be deemed to have notice of the provisions of
this Split Dollar Agreement.

                                    ARTICLE 6
                              CLAIMS AND PROCEDURES

6.1 Claims Procedure. A person or beneficiary ("claimant") who has not received
benefits under the Agreement that he or she believes should be paid shall make a
claim for such benefits as follows:

6.1.1 Initiation - Written Claim. The claimant initiates a claim by submitting
to the Bank a written claim for the benefits.

6.1.2 Timing of Bank Response. The Bank shall respond to such claimant within 90
days after receiving the claim. If the Bank determines that special
circumstances require additional time for processing the claim, the Bank can
extend the response period by an additional 90 days by notifying the claimant in
writing, prior to the end of the initial 90-day period, that an additional
period is required. The notice of extension must set forth the special
circumstances and the date by which the Bank expects to render its decision.

6.1.3 Notice of Decision. If the Bank denies part or all of the claim, the Bank
shall notify the claimant in writing of such denial. The Bank shall write the
notification in a manner calculated to be understood by the claimant. The
notification shall set forth:

6.1.3.1 The specific reasons for the denial,

6.1.3.2 A reference to the specific provisions of the Agreement on which the
denial is based,

6.1.3.3 A description of any additional information or material necessary for
the claimant to perfect the claim and an explanation of why it is needed,

6.1.3.4 An explanation of the Agreement's review procedures and the time limits
applicable to such procedures, and

6.1.3.5 A statement of the claimant's right to bring a civil action under ERISA
Section 502(a) following an adverse benefit determination on review.

6.2 Review Procedure. If the Bank denies part or all of the claim, the claimant
shall have the opportunity for a full and fair review by the Bank of the denial,
as follows:

                                       97

<PAGE>

6.2.1 Initiation - Written Request. To initiate the review, the claimant, within
60 days after receiving the Bank's notice of denial, must file with the Bank a
written request for review.

6.2.2 Additional Submissions - Information Access. The claimant shall then have
the opportunity to submit written comments, documents, records and other
information relating to the claim. The Bank shall also provide the claimant,
upon request and free of charge, reasonable access to, and copies of, all
documents, records and other information relevant (as defined in applicable
ERISA regulations) to the claimant's claim for benefits.

6.2.3 Considerations on Review. In considering the review, the Bank shall take
into account all materials and information the claimant submits relating to the
claim, without regard to whether such information was submitted or considered in
the initial benefit determination.

6.2.4 Timing of Bank Response. The Bank shall respond in writing to such
claimant within 60 days after receiving the request for review. If the Bank
determines that special circumstances require additional time for processing the
claim, the Bank can extend the response period by an additional 60 days by
notifying the claimant in writing, prior to the end of the initial 60-day
period, that an additional period is required. The notice of extension must set
forth the special circumstances and the date by which the Bank expects to render
its decision.

6.2.5 Notice of Decision. The Bank shall notify the claimant in writing of its
decision on review. The Bank shall write the notification in a manner calculated
to be understood by the claimant. The notification shall set forth:

6.2.5.1 The specific reasons for the denial,

6.2.5.2 A reference to the specific provisions of the Agreement on which the
denial is based,

6.2.5.3 A statement that the claimant is entitled to receive, upon request and
free of charge, reasonable access to, and copies of, all documents, records and
other information relevant (as defined in applicable ERISA regulations) to the
claimant's claim for benefits, and

6.2.5.4 A statement of the claimant's right to bring a civil action under ERISA
Section 502(a).

                                    ARTICLE 7
                           AMENDMENTS AND TERMINATION

7.1 Amendment. This Split Dollar Agreement may be amended only by a writing
signed by the Bank and the Insured.

7.2 Termination of Agreement. This Split Dollar Agreement shall terminate upon
the occurrence of any one of the following:

      (a)   The Insured is discharged from employment with the Bank for cause.
            The term "for cause" means any of the following: (1) gross
            negligence or gross neglect; (2) the commission of a felony or
            commission of a misdemeanor involving moral turpitude; (3) fraud,
            disloyalty, dishonesty, or willful violation of any law or
            significant Bank policy committed in connection with the Insured's
            employment and, in the Bank's sole judgment, resulting in an adverse
            effect on the Bank, or

      (b)   Surrender, lapse, or other termination of the Policy by the Bank, or

      (c)   Distribution of the death benefit proceeds in accordance with
            Section 2.2 above.

                                    ARTICLE 8
                                  MISCELLANEOUS

8.1   Binding Effect. This Split Dollar Agreement shall bind the Executive and
      the Bank and their beneficiaries, survivors, executors, administrators and
      transferees, and any Policy beneficiary.

                                       98

<PAGE>

8.2 No Guarantee of Employment. This Split Dollar Agreement is not an employment
policy or contract. It does not give the Executive the right to remain an
employee of the Bank, nor does it interfere with the Bank's right to discharge
the Executive. It also does not require the Executive to remain an employee nor
interfere with the Executive's right to terminate employment at any time.

8.3 Successors; Binding Agreement. By an assumption agreement in form and
substance satisfactory to the Executive, the Bank shall require any successor
(whether direct or indirect, by purchase, merger, consolidation or otherwise) to
all or substantially all of the business or assets of the Bank to expressly
assume and agree to perform this Split Dollar Agreement in the same manner and
to the same extent that the Bank would be required to perform this Split Dollar
Agreement if no succession had occurred. The Bank's failure to obtain such an
assumption agreement before succession becomes effective shall be considered a
breach of the Split Dollar Agreement and shall entitle the Executive to the
Change-in-Control benefit payable under Section 2.4 of the Salary Continuation
Agreement between the Bank and the Executive of even date herewith.

8.4 Applicable Law. The Split Dollar Agreement and all rights hereunder shall be
governed by and construed according to the laws of the State of California.

8.5 Entire Agreement. This Split Dollar Agreement constitutes the entire
agreement between the Bank and the Executive concerning the subject matter
hereof. No rights are granted to the Executive under this Split Dollar Agreement
other than those specifically set forth herein.

8.6 Administration. The Bank shall have powers which are necessary to administer
this Split Dollar Agreement, including but not limited to the power to:

      (a)   interpret the provisions of the Split Dollar Agreement,

      (b)   establish and revise the method of accounting for the Split Dollar
            Agreement,

      (c)   maintain a record of benefit payments, and

      (d)   establish rules and prescribe forms necessary or desirable to
            administer the Split Dollar Agreement.

8.7   Named Fiduciary. The Bank shall be the named fiduciary and plan
      administrator under this Split Dollar Agreement. The Bank may delegate to
      others certain aspects of management and operational responsibilities,
      including the employment of advisors and the delegation of ministerial
      duties to qualified individuals.

8.8 Severability. If for any reason any provision of this Split Dollar Agreement
is held invalid, such invalidity shall not affect any other provision of this
Split Dollar Agreement not held so invalid, and each such other provision shall,
to the full extent consistent with the law, continue in full force and effect.
If any provision of this Split Dollar Agreement shall be held invalid in part,
such invalidity shall in no way affect the remainder of such provision, not held
so invalid, and the remainder of such provision, together with all other
provisions of this Split Dollar Agreement shall, to the full extent consistent
with the law, continue in full force and effect.

8.9 Headings. The headings of Sections herein are included solely for
convenience of reference and shall not affect the meaning or interpretation of
any provision of this Split Dollar Agreement.

8.10 Notices. All notices, requests, demands and other communications hereunder
shall be in writing and shall be deemed to have been duly given if delivered by
hand or mailed, certified or registered mail, return receipt requested, with
postage prepaid, to the following addresses or to such other address as either
party may designate by like notice.

            (a)   If to the Bank, to:
                  Board of Directors
                  First Northern Bank of Dixon
                  195 North First Street
                  Dixon, California 95620

                                       99

<PAGE>

            (b)   If to the Executive, to:

and to such other or additional person or persons as either party shall have
designated to the other party in writing by like notice.

IN WITNESS WHEREOF, the Bank and the Executive have signed this Split Dollar
Agreement as of the date and year first written above.

THE EXECUTIVE:                          THE BANK:
                                        FIRST NORTHERN BANK OF DIXON

____________________________                    By:

                                                Its:

                         SPLIT DOLLAR POLICY ENDORSEMENT
                          FIRST NORTHERN BANK OF DIXON
                             SPLIT DOLLAR AGREEMENT

Policy No. ___________________ (New York Life)              Insured: ___________
Policy No. ___________________ (Massachusetts Mutual Life)
Policy No. ___________________ (Union Central Life)

Supplementing and amending the application for insurance to New York Life
Insurance Company, Massachusetts Mutual Life Insurance Company, and Union
Central Life Insurance Company ("Insurer") on ________________, the applicant
requests and directs that:

                                  BENEFICIARIES

1. First Northern Bank of Dixon, located in Dixon, California (the "Bank"),
shall be the beneficiary of any death proceeds remaining after the Insured's
interest has been paid under paragraph (2) below.

2. The Insured or the Insured's transferee shall designate the beneficiary(ies)
of death proceeds. Provided that at the time of the Insured's Termination of
Employment (as defined in the January 1, 2002 Salary Continuation Agreement
between the Bank and the Insured (the "Salary Continuation Agreement")) the
Insured was entitled to receive benefits under the Salary Continuation
Agreement, if the Insured is (a) employed by the Bank at the time of death, or
(b) retired from the Bank at the time of death, then the Insured's beneficiary(
ies) designated in accordance with this Split Dollar Policy Endorsement shall be
entitled to an amount equal to the amount set forth in Exhibit A that
corresponds to the age of the Insured at the time of death, or one hundred
percent (100%) of the net at risk portion of the proceeds, whichever amount is
less. The net at risk insurance portion is the total proceeds less the cash
value of the Policy.

                                       100

<PAGE>

                                    OWNERSHIP

3. The Owner of the Policy shall be the Bank. The Owner shall have all ownership
rights in the Policy except as may be specifically granted to the Insured or the
Insured's transferee in paragraph (4) of this endorsement.

4. The Insured or the Insured's transferee shall have the right to assign his or
her rights and interests in the Policy with respect to that portion of the death
proceeds designated in paragraph (2) of this endorsement, and to exercise all
settlement options with respect to such death proceeds.

               MODIFICATION OF ASSIGNMENT PROVISIONS OF THE POLICY

5. Upon the death of the Insured, the interest of any collateral assignee of the
Owner of the Policy designated in (3) above shall be limited to the portion of
the proceeds described in paragraph (1) above.

                                OWNER'S AUTHORITY

6. The Insurer is hereby authorized to recognize the Owner's claim to rights
hereunder without investigating the reason for any action taken by the Owner,
including the Owner's statement of the amount of premiums the Owner has paid on
the Policy. The signature of the Owner shall be sufficient for the exercise of
any rights under this Endorsement and the receipt of the Owner for any sums
received by it shall be a full discharge and release therefore to the Insurer.
The Insurer may rely on a sworn statement in form satisfactory to it furnished
by the Owner, its successors or assigns, as to their interest and any payments
made pursuant to such statement shall discharge the Bank accordingly.

7. Any transferee's rights shall be subject to this Endorsement.

8. The Owner accepts and agrees to this split dollar endorsement.

9. The undersigned is signing in a representative capacity and warrants that he
or she has the authority to bind the entity on whose behalf this document is
being executed.

Signed at Dixon, California, this         day of        , 2002.

First Northern Bank of Dixon

By:

Its:

The Insured accepts and agrees to the foregoing and, subject to the rights of
the Owner as stated above, designates ___________________, (relationship:
___________________) as primary beneficiary(s) and ___________________,
(relationship: ___________________) as secondary beneficiary of the portion of
the proceeds described in (2) above.

Signed at Dixon, California, this            day of           , 2002.

The Insured

___________________________

                                       101

<PAGE>

                         Split Dollar Policy Endorsement
                          First Northern Bank of Dixon
                             Split Dollar Agreement

                                    EXHIBIT A
                                       for

<TABLE>
<CAPTION>
-------------------------------------------------------------------------------------
  End of Year      Age of Insured at the Time of Death       Amount of Death Benefits
-------------------------------------------------------------------------------------
<S>                                <C>                               <C>
     2002                          40                                $400,000
-------------------------------------------------------------------------------------
     2003                          41                                $400,000
-------------------------------------------------------------------------------------
     2004                          42                                $400,000
-------------------------------------------------------------------------------------
     2005                          43                                $400,000
-------------------------------------------------------------------------------------
     2006                          44                                $400,000
-------------------------------------------------------------------------------------
     2007                          45                                $400,000
-------------------------------------------------------------------------------------
     2008                          46                                $400,000
-------------------------------------------------------------------------------------
     2009                          47                                $400,000
-------------------------------------------------------------------------------------
     2010                          48                                $400,000
-------------------------------------------------------------------------------------
     2011                          49                                $400,000
-------------------------------------------------------------------------------------
     2012                          50                                $400,000
-------------------------------------------------------------------------------------
     2013                          51                                $400,000
-------------------------------------------------------------------------------------
     2014                          52                                $400,000
-------------------------------------------------------------------------------------
     2015                          53                                $400,000
-------------------------------------------------------------------------------------
     2016                          54                                $400,000
-------------------------------------------------------------------------------------
     2017                          55                                $400,000
-------------------------------------------------------------------------------------
     2018                          56                                $400,000
-------------------------------------------------------------------------------------
     2019                          57                                $400,000
-------------------------------------------------------------------------------------
     2020                          58                                $400,000
-------------------------------------------------------------------------------------
     2021                          59                                $400,000
-------------------------------------------------------------------------------------
     2022                          60                                $400,000
-------------------------------------------------------------------------------------
     2023                          61                                $400,000
-------------------------------------------------------------------------------------
     2024                          62                                $400,000
-------------------------------------------------------------------------------------
     2025                          63                                $400,000
-------------------------------------------------------------------------------------
     2026                          64                                $400,000
-------------------------------------------------------------------------------------
     2027                          65                                $200,000
-------------------------------------------------------------------------------------
     2028                          66                                $200,000
-------------------------------------------------------------------------------------
</TABLE>

                                       102

<PAGE>

<TABLE>
<CAPTION>
-------------------------------------------------------------------------------------
  End of Year      Age of Insured at the Time of Death       Amount of Death Benefits
-------------------------------------------------------------------------------------
<S>                          <C>                                     <C>
     2029                          67                                $200,000
-------------------------------------------------------------------------------------
     2030                          68                                $200,000
-------------------------------------------------------------------------------------
     2031                          69                                $200,000
-------------------------------------------------------------------------------------
     2032                          70                                $200,000
-------------------------------------------------------------------------------------
     2033                          71                                $200,000
-------------------------------------------------------------------------------------
     2034                          72                                $200,000
-------------------------------------------------------------------------------------
     2035                          73                                $200,000
-------------------------------------------------------------------------------------
     2036                          74                                $200,000
-------------------------------------------------------------------------------------
     2037                          75                                $100,000
-------------------------------------------------------------------------------------
     2038                          76                                $100,000
-------------------------------------------------------------------------------------
     2039                          77                                $100,000
-------------------------------------------------------------------------------------
     2040                          78                                $100,000
-------------------------------------------------------------------------------------
     2041                          79                                $100,000
-------------------------------------------------------------------------------------
     2042                          80                                $100,000
-------------------------------------------------------------------------------------
2043 or later                Age 81 or older                         $100,000
-------------------------------------------------------------------------------------
</TABLE>

                                       103

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