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EXHIBIT 10.23

                                 FIRST AMENDMENT
                                     TO THE
                                SERVICE 1ST BANK
                          SALARY CONTINUATION AGREEMENT
                            DATED SEPTEMBER 10, 2003
                                       FOR
                                 BRYAN R. HYZDU

         THIS AMENDMENT is adopted this 8th day of August, 2005, by and between
SERVICE 1ST BANK, a state-chartered commercial bank located in Stockton,
California (the "Company") and BRYAN R. HYZDU (the "Executive").

         The Company and the Executive executed the Salary Continuation
Agreement on September 10, 2003 (the "Agreement").

         The undersigned hereby amends, in part, said Agreement for the purpose
of: (i) changing the Plan Year; (ii) increasing the Normal Retirement Benefit;
and (iii) adding an Early Retirement Benefit. Therefore, the following changes
shall be made:

         Article 1.18 of the Agreement shall be deleted in its entirety and
         replaced by Article 1.18 below.

1.18     Plan Year" means each twelve-month period commencing on January 1 and
         ending on December 31 of each year.

         Article 2.1.1 of the Agreement shall be deleted in its entirety and
         replaced by Article 2.1.1 below.

         2.1.1    Amount of Benefit. The annual Normal Retirement Benefit under
                  this Section 2.1 is One Hundred Thirty-Three Thousand Dollar
                  ($133,000).

         Article  1.22 shall be added as follows:

1.22     "Early Retirement" means the Executive's Early Voluntary Termination
         after attaining Early Retirement Age.

         Article 1.23 shall be added as follows:

1.23     "Early Retirement Age" means the Executive completing fifteen (15)
         Years of Service.

         Article  1.24 shall be added as follows:

1.24     "Years of Service" "means the twelve consecutive month period beginning
         on an Executive's date of hire and any twelve (12) month anniversary
         thereof, during the entirety of which time the Executive is an employee
         of the Bank. Service with a subsidiary or other entity controlled by
         the Bank before the time such entity became a subsidiary or under such
         control shall not be considered "credited service" unless the Plan
         Administrator specifically agrees to credit such service. In addition,
         the Plan Administrator in its discretion may also grant additional
         Years of Service in such circumstances where it deems such additional
         service appropriate.

         Article 2.6 of the Agreement shall be deleted in its entirety and
         replaced by Article 2.6 below.

2.6      Early Retirement Benefit. Upon Early Retirement, the Bank shall
         distribute to the Executive the benefit described in this Section 2.6
         in lieu of any other benefit under this Article.

                                       97
<PAGE>

         2.6.1    Amount of Benefit. The benefit under this Section 2.6 is a
                  vested portion of the Normal Retirement Benefit as shown in
                  the following schedule:

                  ------------------------------- --------------------------
                       Plan Year                      Amount of Benefit
                  ------------------------------- --------------------------
                        Prior to 1/1/2013                  0
                  ------------------------------- --------------------------
                       1/1/2013-12/31/2013                 77,974
                  ------------------------------- --------------------------
                       1/1/2014-12/31/2014                 84,088
                  ------------------------------- --------------------------
                       1/1/2015-12/31/2015                 90,202
                  ------------------------------- --------------------------
                       1/1/2016-12/31/2016                 96,316
                  ------------------------------- --------------------------
                       1/1/2017-12/31/2017                 102,430
                  ------------------------------- --------------------------
                       1/1/2018-12/31/2018                 108,544
                  ------------------------------- --------------------------
                       1/1/2019-12/31/2019                 114,658
                  ------------------------------- --------------------------
                       1/1/2020-12/31/2020                 120,772
                  ------------------------------- --------------------------
                       1/1/2021-12/31/2021                 126,886
                  ------------------------------- --------------------------
                        1/1/2022-4/24/2023                 133,000
                  ------------------------------- --------------------------

         2.6.2    Distribution of Benefit. The Bank shall distribute the benefit
                  to the Executive in twelve (12) consecutive equal installments
                  commencing within thirty (30) days following the Executive's
                  Separation from Service. The annual benefit shall be
                  distributed to the Executive for fifteen (15) years.

         The Schedule A attached to the Agreement shall also be amended in its
entirety and replaced with the new Schedule A attached to this Amendment.

         IN WITNESS OF THE ABOVE, the Executive and the Company hereby consent
to this First Amendment.

Executive:                                  SERVICE 1ST BANK

/s/ BRYAN R. HYZDU                          By     /s/ JOHN O. BROOKS
----------------------------------                 -----------------------------
Bryan R. Hyzdu                                     John O. Brooks

                                            Title  Chairman
                                                   -----------------------------

                                       98EXHIBIT 10.24

                                SECOND AMENDMENT
                                     TO THE
                 SERVICE 1ST BANK SALARY CONTINUATION AGREEMENT
                            DATED SEPTEMBER 10, 2003
                                       FOR
                                 BRYAN R. HYZDU

         THIS AMENDMENT is adopted this 8th day of August, 2005_, by and between
SERVICE 1ST BANK, a state-chartered commercial bank located in Stockton,
California (the "Company") and BRYAN R. HYZDU (the "Executive").

         The Company and the Executive executed the Salary Continuation
Agreement on September 10, 2003 (the "Agreement") and the First Amendment to the
Salary Continuation Agreement on August 8, 2005.

         The undersigned hereby amends, in part, said Agreement for the purpose
of changing the Normal Retirement Age. Therefore, the following change shall be
made:

         Article 1.13 of the Agreement shall be deleted in its entirety and
         replaced by Article 1.13 below.

1.13     "Normal Retirement Age" means the Executive's sixty-fifth (65th)
         birthday.

         Article 2.6.1 of the Agreement shall be deleted in its entirety and
         replaced by Article 2.6.1 below.

         2.6.1    Amount of Benefit. The benefit under this Section 2.6 is a
                  vested portion of the Normal Retirement Benefit as shown in
                  the following schedule:

                  --------------------------- ---------------------------
                          Plan Year                 Amount of Benefit
                  --------------------------- ---------------------------
                           Prior to 9/1/2014              0
                  --------------------------- ---------------------------
                          9/1/2014-8/31/2015            77,974
                  --------------------------- ---------------------------
                          9/1/2015-8/31/2016            84,088
                  --------------------------- ---------------------------
                          9/1/2016-8/31/2017            90,202
                  --------------------------- ---------------------------
                          9/1/2017-8/31/2018            96,316
                  --------------------------- ---------------------------
                          9/1/2018-8/31/2019           102,430
                  --------------------------- ---------------------------
                          9/1/2019-8/31/2020           108,544
                  --------------------------- ---------------------------
                          9/1/2020-8/31/2021           114,658
                  --------------------------- ---------------------------
                          9/1/2021-8/31/2022           120,772
                  --------------------------- ---------------------------
                          9/1/2022-8/31/2023           126,886
                  --------------------------- ---------------------------
                          9/1/2023-4/24/2024           133,000
                  --------------------------- ---------------------------

                                       99
<PAGE>

         IN WITNESS OF THE ABOVE, the Executive and the Company hereby consent
to this Second Amendment.

Executive: SERVICE 1ST BANK

/s/ BRYAN R. HYZDU                          By     /s/ JOHN O. BROOKS
----------------------------------                 -----------------------------
Bryan R. Hyzdu                                     John O. Brooks

                                            Title  Chairman
                                                   -----------------------------

                                      100EXHIBIT 10.25

                                 FIRST AMENDMENT
                                     TO THE
                                SERVICE 1ST BANK
                          SALARY CONTINUATION AGREEMENT
                            DATED SEPTEMBER 10, 2003
                                       FOR
                                 PATRICK CARMAN

         THIS AMENDMENT is adopted this 8th day of August, 2005, by and between
SERVICE 1ST BANK, a state-chartered commercial bank located in Stockton,
California (the "Company") and PATRICK CARMAN (the "Executive").

         The Company and the Executive executed the Salary Continuation
Agreement on September 10, 2003 (the "Agreement").

         The undersigned hereby amends, in part, said Agreement for the purpose
of changing the Plan Year and increasing the Normal Retirement Benefit.
Therefore, the following change shall be made:

         Article 1.18 of the Agreement shall be deleted in its entirety and
         replaced by Article 1.18 below.

1.19     Plan Year" means each twelve-month period commencing on January 1 and
         ending on December 31 of each year.

         Article 2.1.1 of the Agreement shall be deleted in its entirety and
         replaced by Article 2.1.1 below.

         2.1.1    Amount of Benefit. The annual Normal Retirement Benefit under
                  this Section 2.1 is Seventy-Seven Thousand Dollar ($77,000).

         The Schedule A attached to the Agreement shall also be amended in its
entirety and replaced with the new Schedule A attached to this Amendment.

         IN WITNESS OF THE ABOVE, the Executive and the Company hereby consent
to this First Amendment.

Executive:                                  SERVICE 1ST BANK

/s/ PATRICK CARMAN                          By     /s/ JOHN O. BROOKS
----------------------------------                 -----------------------------
Patrick Carman                                     John O. Brooks

                                            Title  Chairman
                                                   -----------------------------

                                      101

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