Document:

EXHIBIT 10.17(c)

                          TEMECULA VALLEY BANCORP INC.
                            2004 STOCK INCENTIVE PLAN

                        INCENTIVE STOCK OPTION AGREEMENT

     This Option Agreement ("Option  Agreement") is made and entered into by and
between Temecula Valley Bancorp Inc. ("Company") and _________ ("Optionee"),  as
of the __ day of ____, _____ ("Date of Grant").

                                    RECITALS

     A. The Plan is intended to act as an incentive to retain officers and other
employees  of the Company and its  Affiliates  and to enhance the ability of the
Company and its  Affiliates to attract such people whose services are considered
unusually valuable by providing an opportunity to have a proprietary interest in
the success of the Company.

     B. The Administrator under the Plan has approved the granting of options to
the  Optionee  pursuant to the Plan to provide an  incentive  to the Optionee to
focus on the long-term growth of the Company.

     In  consideration  of the mutual  covenants and conditions  hereinafter set
forth and for other good and valuable consideration, the receipt and sufficiency
of which are hereby acknowledged, the Company and the Optionee agree as follows:

     1. Grant of Option. The Company hereby grants to the Optionee the right and
option  ("Option")  to purchase an  aggregate  of ____ Shares (such number being
subject to  adjustment  as provided in  paragraph 10 hereof and Section 8 of the
Plan) of the Common Stock of the Company on the terms and conditions  herein set
forth. This Option may be exercised in whole or in part and from time to time as
hereinafter provided. The Option granted under this Option Agreement is intended
to be an  "incentive  stock  option" as set forth in Section 422 of the Internal
Revenue Code of 1986, as amended.

     2.  Vesting of  Option.  The Option  shall vest and become  exercisable  in
accordance with the following schedule:

     . [generally, a 3 year vesting schedule with 1/3 of the grant vesting every
year]

     3.  Purchase  Price.  The price at which the Optionee  shall be entitled to
purchase  the Shares  covered by the Option  shall be $______  per share,  which
price is 100% of the Fair Market Value of the Shares on the Date of Grant.

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     4. Term of Option.  The Option  granted under this Option  Agreement  shall
expire,  unless  otherwise  exercised,  ten (10)  years  from the Date of Grant,
through  and   including  the  normal  close  of  business  of  the  Company  on
_________________   ("Expiration  Date"),  subject  to  earlier  termination  as
provided in paragraph 8 hereof.

     5.  Exercise of Option.  The Option may be  exercised by the Optionee as to
all or any part of the Shares  then vested by delivery to the Company of written
notice of exercise and payment of the purchase price as provided in paragraphs 6
and 7 hereof.

     6. Method of Exercising Option. Subject to the terms and conditions of this
Option Agreement,  the Option may be exercised by timely delivery to the Company
of written  notice,  which notice shall be effective on the date received by the
Company.  The notice shall state the Optionee's election to exercise the Option,
the number of Shares in respect of which an election to exercise  has been made,
the method of payment elected (see paragraph 7 hereof),  the exact name or names
in which the Shares will be  registered  and the Social  Security  number of the
Optionee.  Such notice shall be signed by the Optionee and shall be  accompanied
by payment of the purchase  price of such Shares.  In the event the Option shall
be exercised by a person or persons  other than  Optionee,  such notice shall be
signed  by such  other  person or  persons  and  shall be  accompanied  by proof
acceptable  to the  Company  of the legal  right of such  person or  persons  to
exercise the Option.  All Shares  delivered by the Company upon  exercise of the
Option shall be fully paid and nonassessable upon delivery.

     7. Method of Payment for  Options.  Payment for Shares  purchased  upon the
exercise  of the  Option  shall be made by the  Optionee  in cash or such  other
method  permitted  by the  Administrator  and  communicated  to the  Optionee in
writing  prior to the date the  Optionee  exercises  all or any  portion  of the
Option.

     8. Term of Options Upon Resignation or Termination.

     (i)  Termination of Service.  Upon  termination  of an Optionee's  Service,
other than due to death, Disability, or Cause, the Optionee may exercise his/her
Option,  but only on or prior to the date  that is three  months  following  the
Optionee's  Termination  Date,  and only to the  extent  that the  Optionee  was
entitled to exercise such Option on the Termination  Date (but in no event later
than the  expiration  of the term of such Option,  as set forth in the Notice of
Stock Option Grant to the Option  Agreement).  If, after termination of Service,
the Optionee does not exercise his/her Option within the time specified  herein,
the Option shall terminate.

     (ii) Disability of Optionee.  In the event of termination of the Optionee's
Service due to his/her Disability, the Optionee may exercise his/her Option, but
only on or prior to the date that is twelve  months  following  the  Termination
Date,  and only to the extent that the Optionee  was  entitled to exercise  such
Option on the  Termination  Date (but in no event later than the expiration date
of the term of the  Option,  as set  forth  in  Section  4  hereof).  If,  after
Termination  of Service due to  Disability,  the Optionee  does not exercise the
Option to the extent so entitled  within the time specified  herein,  the Option
shall terminate.

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     (iii) Death of Optionee. In the event that the Optionee should die while in
Service, the Optionee's Option may be exercised by the Optionee's estate or by a
person  who has  acquired  the  right to  exercise  the  Option  by  bequest  or
inheritance,  but only on or prior to the date that is twelve  months  following
the date of death,  and only to the extent  that the  Optionee  was  entitled to
exercise  the  Option  at the date of  death  (but in no  event  later  than the
expiration date of the term of his/her Option, as set forth in Section 4 hereof.
If, after  death,  the  Optionee's  estate or a person who acquires the right to
exercise  the Option by  bequest or  inheritance  does not  exercise  the Option
within the time specified herein, the Option shall terminate.

     (iv) Cause. In the event of termination of Optionee's Service due to Cause,
the  Optionee's  Options shall  terminate on the  Termination  Date.  Cause,  as
defined in the Plan, means the definition given under the Optionee's  employment
agreement  with the  Company  or  Affiliate,  or a policy of the  Company  or an
Affiliate.  If the  Optionee  does  not  have  an  employment  agreement  or the
employment  agreement  does  not  define  this  term,  or if the  Company  or an
Affiliate  does not have a policy  that  defines  this term,  then  Cause  shall
include  malfeasance  or gross  misfeasance  in the  performance  of  duties  or
conviction  of  illegal   activity  in  connection   therewith  or  any  conduct
detrimental  to the  interests of the Company or an Affiliate  which  results in
termination  of the  Optionee's  Service  with the Company or an  Affiliate,  as
determined by the Administrator.

     9.   Transferability.   Options  may  not  be  sold,   pledged,   assigned,
hypothecated,  transferred  or disposed of in any manner other than by will,  by
the laws of  descent  and  distribution,  by  instrument  to an  inter  vivos or
testamentary  trust in which Options are to be passed to beneficiaries  upon the
death of the trustor (settler) or by gift to Immediate  Family.  Notwithstanding
the immediately  preceding  sentence,  Incentive  Stock Option  transfers may be
limited  by the  Administrator  in order to  comply  with the Code and  shall be
further limited,  if necessary,  so that neither the transfer of an Option other
than an Incentive  Stock Option to such Immediate  Family,  nor the ability of a
Optionee to make such a transfer shall have adverse  consequences to the Company
or the Optionee by reason of Section 162(m) of the Code.

     10.  Adjustments  in Number of Shares and Option  Price.  In the event of a
stock dividend or in the event the Shares shall be changed into or exchanged for
a  different  number or class of shares of stock of the  Company  or of  another
corporation, whether through reorganization,  recapitalization,  stock split-up,
combination of shares,  merger or consolidation,  there shall be substituted for
each such  remaining  Share then  subject to this Option the number and class of
shares of stock into which each  outstanding  Share shall be so  exchanged,  all
without any change in the aggregate  purchase  price for the Shares then subject
to the Option, all as set forth in Section 8 of the Plan.

     11.  Delivery of Shares.  No Shares shall be delivered upon exercise of the
Option until (i) the  purchase  price shall have been paid in full in the manner
herein provided; (ii) applicable taxes required to be withheld have been paid or
withheld in full;  (iii)  approval  of any  governmental  authority  required in
connection  with the  Option,  or the  issuance of Shares  thereunder,  has been
received by the Company; and (iv) if required by the Administrator, the Optionee
has  delivered to the  Administrator  an  Investment  Letter in form and content
satisfactory to the Company as provided in paragraph 12 hereof.

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     12. Securities Act. The Company shall not be required to deliver any Shares
pursuant to the  exercise of all or any part of the Option if, in the opinion of
counsel for the Company,  such issuance would violate the Securities Act of 1933
or any other  applicable  federal or state  securities laws or regulations.  The
Administrator  may require that the Optionee,  prior to the issuance of any such
Shares  pursuant to  exercise  of the Option,  sign and deliver to the Company a
written  statement  ("Investment  Letter")  stating  (i)  that the  Optionee  is
purchasing  the  Shares  for  investment  and  not  with a view  to the  sale or
distribution  thereof;  (ii) that the Optionee will not sell any Shares received
upon exercise of the Option or any other shares of the Company that the Optionee
may then own or  thereafter  acquire  except  either  (a)  through a broker on a
national  securities  exchange  or (b) with the prior  written  approval  of the
Company; and (iii) containing such other terms and conditions as counsel for the
Company may reasonably  require to assure  compliance with the Securities Act of
1933 or other applicable federal or state securities laws and regulations.  Such
Investment  Letter shall be in form and content  acceptable to the Administrator
in its sole discretion.

     13.  Federal and State  Taxes.  Upon  exercise  of the Option,  or any part
thereof, the Optionee may incur certain liabilities for federal,  state or local
taxes and the Company may be required by law to withhold  such taxes for payment
to taxing authorities.  Upon determination by the Company of the amount of taxes
required  to be  withheld,  if any,  with  respect  to the  Shares  to be issued
pursuant to the exercise of the Option, the Optionee shall pay all Federal state
and local tax withholding requirements to the Company.

     14.  Definitions;  Copy of Plan.  To the extent not  specifically  provided
herein,  all capitalized terms used in this Option Agreement shall have the same
meanings  ascribed  to  them  in the  Plan.  By the  execution  of  this  Option
Agreement, the Optionee acknowledges receipt of a copy of the Plan.

     15. Administration.  This Option Agreement shall at all times be subject to
the terms  and  conditions  of the Plan and the Plan  shall in all  respects  be
administered  by the  Administrator  in  accordance  with  the  terms  of and as
provided  in the  Plan.  The  Administrator  shall  have the  sole and  complete
discretion with respect to all matters  reserved to it by the Plan and decisions
of the majority of the  Administrator  with  respect  thereto and to this Option
Agreement  shall be final and binding upon the Optionee and the Company.  In the
event of any conflict  between the terms and conditions of this Option Agreement
and the Plan, the provisions of the Plan shall control.

     16.  Continuation  of  Directorship.  This  Option  Agreement  shall not be
construed  to confer  upon the  Optionee  any right to continue as an officer or
employee of the Company or any Affiliate.

     17.  Obligation  to Exercise.  The  Optionee  shall have no  obligation  to
exercise any Option granted by this Option Agreement.

     18.   Governing  Law.  This  Option  Agreement  shall  be  interpreted  and
administered  under the laws of the State of California,  applied without regard
to conflict of law principals.

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     19.  Amendments.  This Option  Agreement  may be amended  only by a written
agreement executed by the Company and the Optionee. The Company and the Optionee
acknowledge  that changes in federal tax laws enacted  subsequent to the Date of
Grant,  and  applicable  to stock  options,  may provide for tax benefits to the
Company or the Optionee.  In any such event,  the Company and the Optionee agree
that this Option Agreement may be amended as necessary to secure for the Company
and the Optionee any benefits  that may result from such  legislation.  Any such
amendment  shall be made only upon the  mutual  consent  of the  parties,  which
consent (of either party) may be withheld for any reason.

     20. Tax Information and Notice of Disqualifying Disposition. This Option is
intended to be eligible for treatment as an Incentive Stock Option under Section
422 of the Code.  Whether  this  Option will  receive  such tax  treatment  will
depend,  in part, on the actions by Optionee after exercise of this Option.  For
example,  if the  Optionee  disposes  of any of the Shares  acquired  under this
Option  within two years  after the Date of Grant or within one year of the date
of exercise of this Option,  Optionee may lose the benefits of Code Section 422.
Accordingly,  the  Company  makes no  representations  by way of the Plan,  this
Option Agreement,  or otherwise,  with respect to the actual tax consequences of
the grant or exercise of this Option or the subsequent disposition of the Shares
acquired under this Option.

     If the Optionee sells or makes a disposition (within the meaning of Section
422 of the Code) of any of the Shares  acquired  under this Option  prior to the
later of (i) one year  from the date of  exercise  of such  Option,  or (ii) two
years from the Date of Grant,  the Optionee agrees to give written notice to the
Company of such  disposition.  The notice shall  include  Optionee's  name,  the
number, exercise price and exercise date of the Shares disposed of, and the date
of disposition.

     IN WITNESS WHEREOF, the Company has caused this Option Agreement to be duly
executed by its officer  thereunto duly authorized and the Optionee has hereunto
set his or her hand as of the date first written above.

TEMECULA VALLEY BANCORP INC.

By:      _______________________________    ____________________________________

                                       5EXHIBIT 10.25

                              EMPLOYMENT AGREEMENT
                              --------------------

                  This Employment Agreement ("Agreement") is made and effective
as of January 27, 2005 between TEMECULA VALLEY BANK, N.A., a national banking
association ("Bank") and ROBERT FLORES ("Executive").

                                  R E C I T A L
                                  -------------

                  Bank desires that Executive be employed as Executive Vice
President/SBA National Sales Manager of Bank and Executive desires to be so
employed subject to the terms and conditions herein stated.

                  NOW, THEREFORE, in consideration of the mutual covenants and
agreements contained herein, and other good and valuable consideration, the
parties agree as follows:

     1. TERM OF EMPLOYMENT.

     1.1. Term.  Bank hereby agrees to employ  Executive,  and Executive  hereby
accepts  employment  with Bank, for the period  ("Term")  commencing  during the
first week of February 2005 or to be determined  otherwise (the actual date that
Executive commences his employment is the "Commencement  Date"), and terminating
on such date and upon such terms as provided for in Section 4 hereof.

     2. DUTIES OF EXECUTIVE.

     2.1.  Duties.   Executive  shall  perform  the  duties  of  Executive  Vice
President/SBA  National  Sales  Manager,  as assigned by Bank's Chief  Executive
Officer,  subject to the powers by law vested in the Board of  Directors of Bank
and in Bank's Shareholder. During the Term, Executive shall perform the services
herein  contemplated  to be  performed by  Executive  with due care  faithfully,
diligently,  to the  best of  Executive's  ability  and in  compliance  with all
applicable laws and Bank's Articles of Association and Bylaws.

     2.2.  Exclusivity.  Executive shall devote substantially all of Executive's
productive time,  ability and attention to the business of Bank during the Term.
Executive  shall not directly or  indirectly  render any services of a business,
commercial or professional  nature to any other person,  firm or corporation for
compensation without prior consent evidenced by a resolution duly adopted by the
Board of Directors of Bank, or the Executive Committee thereof.  Notwithstanding
the  foregoing,  Executive may (i) make  investments  of a passive nature in any
business or venture;  and (ii) serve in any  capacity  in civic,  charitable  or
social organizations, provided, however, that such investments or services shall
not be in competition, directly or indirectly, in any manner with Bank.

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     3. COMPENSATION AND BENEFITS.

     3.1. Salary. For Executive's  services hereunder,  Bank shall pay, or cause
to be paid, as annual gross base salary,  to Executive  $180,000 during the Term
("Base  Salary"),  beginning  with  the  Commencement  Date,  payable  in  equal
installments  in accordance with Bank's normal payroll periods as in effect from
time to time. The Board of Directors shall also, from time to time, and at least
once each calendar year grant such additional "merit" increases, if any, in, the
Base Salary as are  determined  after review to be appropriate in the discretion
of the Board of Directors.

     3.2. Bonus.  Executive shall be entitled to an Incentive Bonus,  determined
in accordance with this Section. The Incentive Bonus shall equal 20 basis points
of the total original  principal amount of originated 7a and 504 SBA loans ("SBA
Loans") as well as  construction,  conventional  and  business & industry  loans
related to and made in conjunction  with SBA Loans, if such loans were generated
by and processed  through  Bank's SBA  Department,  as reasonably  determined by
Bank. The Incentive Bonus shall be paid based upon monthly  originations (or any
partial  calendar month  hereunder)  within 30 days of the end of the applicable
calendar month.  Negative  adjustments to the Incentive Bonus shall be made with
respect to any loans that ultimately do not fund.

     3.3.  Vacation.  Executive  shall be entitled to 20 days of vacation  leave
each year of the Term  accruing in  accordance  with Bank policy.  Vacation time
shall not accumulate but at the end of each year of the Term, Executive shall be
entitled to vacation pay in lieu of vacation.

     3.4. Equipment.  Bank shall provide for Executive's use an automobile,  the
selection of which shall be mutually agreed upon by the Chief Executive  Officer
and Executive,  provided that the  acquisition  price shall not exceed  $65,000.
Bank shall pay all the  expenses  (including,  but not limited to,  maintenance,
fuel, insurance,  registration) related to such automobile during the Term. Upon
the request of Executive,  Bank will provide a new, replacement  automobile upon
the first to occur of the lapse of 36  months  of use of the  automobile  or the
automobile has been driven 100,000 miles. Bank shall also provide Executive with
a cellular phone for Executive's reasonable use in the performance of his duties
hereunder.  Bank  shall  pay all  reasonable  expenses  in  connection  with the
business use of such cellular phone.

     3.5. Group Medical and Other Benefits. Bank shall provide for Executive, at
Bank's expense,  participation in the medical and other benefit plans offered to
other  similarly  titled  employees of Bank,  commencing on the first day of the
month following  Executive's  start date. Bank will reimburse  Executive for any
COBRA costs incurred in maintaining  insurance coverage between the Commencement
Date and the  effective  date of  coverage  under the Bank's  medical  and other
benefit plans.  Executive  will become  eligible to participate in Bank's 401(k)
Plan on the first day of the month following the 90th day after the Commencement
Date.

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     3.6.  Sick Leave.  Executive  shall be entitled to sick leave in accordance
with Bank's  personnel  policy.  Accrued sick leave may not be carried over from
prior periods and Executive shall not be entitled to be paid in lieu thereof.

     3.7. Stock Options.  As soon as practicable  after the  Commencement  Date,
Executive  shall  receive an incentive  stock  option under the Temecula  Valley
Bancorp Inc.  ("Company")  2004 Stock Incentive Plan ("Plan") which will entitle
Executive,  upon vesting, to purchase up to an aggregate of 20,000 shares of the
Company's  common  stock.  The  vesting  schedule  shall  provide for vesting of
one-third  of the  options  at the end of each of the next three  successive  12
month periods of the Term, subject to all applicable  provisions of the Plan and
the stock option agreement to be entered into between Executive and Company.

     3.8.  Salary  Deferment  Program.  Bank will use its best efforts to afford
Executive,  as soon  as  practicable  after  the  Commencement  Date,  a  salary
deferment  plan that provides for the payment of per annum  interest of at least
10%, and such other terms that are acceptable to Bank and Executive.

     3.9. Salary Continuation Plan. Subject to Executive's successful passing of
a required  physical  examination  and  insurability,  as determined by Bank and
Bank's insurance  provider,  Executive shall receive a salary  continuation plan
that provides for an annual  $100,000  benefit,  during the Term, when Executive
reaches the age of 65 for up to 15 years.

     4. TERMINATION.

     4.1.  Termination With Cause.  Except as otherwise  provided  herein,  this
Agreement  may be terminated by Bank, at Bank's option with notice to Executive,
upon the occurrence of any of the following events:

     (a) A  material  breach  by  Executive  of  any  of the  express  terms  or
provisions of this Agreement;

     (b) Executive is charged with criminal activity or pleads guilty to or nolo
contendere to, criminal activity;

     (c)  Executive has committed any illegal or dishonest act which would cause
termination  of coverage  under Bank's  Bankers  Blanket Bond as to Executive or
termination of coverage as to Bank as a whole;

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     (d) Executive fails to perform or neglects Executive's duties or commits an
act of malfeasance or misfeasance in connection therewith;

     (e) Executive becomes permanently  disabled, as determined in good faith by
the Board of Directors;

     (f) The Comptroller of the Currency,  or any other regulatory agency having
jurisdiction,  requests  Executive's  dismissal  or removal,  issues a notice of
suspension or removal, finally removes, or suspends Executive from office;

     (g) The  Comptroller  of the Currency or other  supervisory  or  regulatory
authority having  jurisdiction  takes possession of the property and business of
Bank; or

     (h) The death of the Executive.

     4.2.  Termination  Without  Cause.  During the Term,  subject to provisions
specifically  intended to survive termination,  this Agreement may be terminated
by either party without cause upon written notice to the other.

     4.3. Compensation Upon Termination. If Executive's employment is terminated
by Bank pursuant to Section 4.1 above, or by Executive  pursuant to Section 4.2,
Executive  shall then only be entitled  to receive  his Base Salary  through the
effective date of such termination.  If Executive's  employment is terminated by
Bank  pursuant to Section  4.2 or within six months  before or after a Change of
Control, as defined in Section 4.4, subject to any limitations on payments under
applicable  federal or state law, Executive shall be entitled to the same amount
as if the termination had been pursuant to Section 4.1, plus a Severance Payment
in an amount  equal to the greater of: (i)  $90,000,  or (ii)  Executive's  Base
Salary (as in effect immediately prior to termination) for the severance period,
which  shall,  for  this  purpose,  be six  months  from the  effective  date of
termination.  The Severance  Payment shall be payable over six months,  in equal
installments, in accordance with the Bank's normal payroll practices.

     4.4.  Vesting  of  Options  Upon  Change  of  Control.  Executive's  option
agreements  covering  Company  stock  options to be issued to him,  from time to
time, shall provide that in the event of a Change of Control (as defined below),
all options shall vest  immediately  prior to any Change of Control.  "Change of
Control" means:  (a) more than 50% of the Company's  voting stock is transferred
to a person or entity that is not, prior to the transaction, a Bank "Affiliate,"
as that term is defined in 12 U.S.C. Section 371c or (b) a merger, consolidation
or other  transaction  or series of  transactions  pursuant  to which  Company's
shareholders  prior to such  transaction or series of transactions own less than
50% of the voting control of the resulting entity after such transaction.

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     5. GENERAL PROVISIONS.

     5.1. Ownership of Books and Records; Confidentiality.

     (a) All records or copies  thereof of the  accounts of  customers,  and any
other records and books relating in any manner whatsoever to Bank customers, and
all other files,  books and records and other materials owned by Bank or used by
it in connection with the conduct of its business, whether prepared by Executive
or otherwise coming into his possession, shall be the exclusive property of Bank
regardless of who actually prepared the original  material,  book or record. All
such books and records and other  materials,  together with all copies  thereof,
shall be  immediately  returned to Bank by Executive on any  termination  of his
employment; and

     (b) During the Term,  Executive  will have access to and become  acquainted
with what Executive and Bank acknowledge are trade secrets, to wit, knowledge or
data concerning Bank, including its operations and business, and the identity of
Bank  customers,   including  knowledge  of  their  financial  condition,  their
financial needs, as well as their methods of doing business. Executive shall not
disclose any of the aforesaid trade secrets, directly or indirectly, or use them
in any way,  either  during the Term or  thereafter,  except as  required in the
course of Executive's employment with Bank. Executive shall not solicit any Bank
employee  or Bank  customer  to  become  an  employee  or  customer  of  another
institution  until six months  following his  termination of  employment.  Trade
secrets excludes the identities of those individuals or entities and information
relating  to those  individuals  or  entities  known by  Executive  prior to his
employment by Bank.

     5.2. Assignment and Modification. This Agreement, and the rights and duties
hereunder, may not be assigned by Executive.

     5.3.  Notices.  All notices  required or  permitted  hereunder  shall be in
writing and shall be  delivered  in person,  sent by courier,  by  facsimile  or
certified or registered  mail,  return  receipt  requested,  postage  prepaid as
follows:

            To Bank:          Temecula Valley Bank, N.A.
                              27710 Jefferson Drive, Suite A100
                              Temecula, California 92590
                              Attn: Stephen H. Wacknitz, President /
                                    Chief Executive Officer
                              Facsimile:        (909) 694-9194

            With a copy to:   Stephanie E. Allen, Esq.
                              McAndrews, Allen & Matson
                              2040 Main Street, 14th Floor
                              Irvine, CA  92614
                              Facsimile:        (949) 955-3723

                                       5
<PAGE>

or to such other party or address as either of the parties may designate in a
written notice served upon the other party in the manner provided herein. All
notices required or permitted hereunder shall be deemed duly given and received
on the date received if delivered in person, by courier or by facsimile, or on
the third day next succeeding the date of mailing if sent by certified or
registered mail, postage prepaid.

     5.4.  Successors.  This Agreement shall be binding upon, and shall inure to
the benefit of, the successors and assigns of the parties.

     5.5.  Entire   Agreement.   Except  as  provided  herein,   this  Agreement
constitutes   the  entire   agreement   between  the  parties,   and  all  prior
negotiations,  representations,  or agreements between the parties, whether oral
or written, are merged into this Agreement.  This Agreement may only be modified
by an agreement in writing executed by both of the parties hereto.

     5.6.  Governing Law. This Agreement  shall be construed in accordance  with
the laws of the State of California.

     5.7. Executed  Counterparts.  This Agreement may be executed in one or more
counterparts, all of which together shall constitute a single agreement and each
of which shall be an original for all purposes.

     5.8.  Section  Headings.  The various  section  headings  are  inserted for
convenience of reference only and shall not affect the meaning or interpretation
of this Agreement or any section hereof.

     5.9. Calendar Days/Close of Business.  Unless the context so requires,  all
periods  terminating on a given day,  period of days or date shall  terminate on
the close of business on that day or date and  references  to "days" shall refer
to calendar days.

     5.10.  Severability.  In the event that any of the provisions,  or portions
thereof,  of this Agreement are held to be unenforceable or invalid by any court
of competent  jurisdiction,  the validity and  enforceability  of the  remaining
provisions or portions hereof, shall not be affected thereby.

     5.11. Attorneys' Fees. In the event that any party shall bring an action or
arbitration in connection with the performance, breach or interpretation hereof,
then the  prevailing  party in such action as  determined  by the court or other
body having  jurisdiction  shall be entitled to recover from the losing party in
such action, as determined by the court or other body having  jurisdiction,  all
reasonable costs and expenses of litigation or arbitration, including reasonable
attorneys' fees, court costs,  costs of investigation and other costs reasonably
related  to  such  proceeding,  in  such  amounts  as may be  determined  in the
discretion of the court or other body having jurisdiction.

                                       6
<PAGE>

     5.12. Indemnity.  Bank agrees that in the event Executive's immediate prior
employer ("Prior Employer") asserts any claim,  demand or suit against Executive
based   upon  a  breach  of   Section  5  or  6  of  the   Confidentiality   and
Non-Solicitation  Agreement Executive entered into with his Prior Employer, then
Bank shall pay or reimburse Executive for costs,  expenses (including reasonable
attorneys  fees),  judgments and  settlements in connection with any such claim,
demand or suit.

     5.13. Rules of Construction.  The parties hereby agree that the normal rule
of construction, which requires the court to resolve any ambiguities against the
drafting party,  shall not apply in interpreting this Agreement.  This Agreement
has been  reviewed  by each  party  and  counsel  for each  party  and  shall be
construed and interpreted according to the ordinary meaning of the words used so
as to fairly accomplish the purposes and intentions of all parties hereto.  Each
provision of this Agreement shall be interpreted in a manner to be effective and
valid under  applicable  law, but if any provision  shall be prohibited or ruled
invalid under applicable law, the validity,  legality and  enforceability of the
remaining provisions shall not, except as otherwise required by law, be affected
or impaired as a result of such prohibition or ruling.

                  IN WITNESS WHEREOF, this Agreement is executed as of the date
first above written.

                  Bank:      TEMECULA VALLEY BANK, N.A.

                             By:      /s/
                                      Stephen H. Wacknitz
                                      President and Chief Executive Officer

                  Executive: /s/
                             Robert Flores

                                       7

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