Document:

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                                                                   EXHIBIT 10.21

                                                                  EXECUTION COPY

                            NON-COMPETITION AGREEMENT

      This Non-Competition Agreement ("NON-COMPETITION AGREEMENT"), dated as of
July 23, 2004, is made by and among Intermountain Community Bancorp, an Idaho
corporation ("INTERMOUNTAIN"); Panhandle State Bank, an Idaho state-chartered
bank ("PANHANDLE"); Snake River Bancorp, Inc., an Idaho corporation ("SNAKE
RIVER"); Magic Valley Bank, an Idaho state-chartered bank ("MAGIC VALLEY"); and
the undersigned, each of whom is a director of Snake River and Magic Valley.

                                    RECITALS

A.    Intermountain, Panhandle, Snake River and Magic Valley have entered into a
      Plan and Agreement of Merger (the "MERGER AGREEMENT") dated as of the date
      hereof, pursuant to which Snake River will merge with and into
      Intermountain, and Magic Valley will merge with and into Panhandle (the
      "TRANSACTION").

B.    The parties to this Non-Competition Agreement believe that the future
      success and profitability of Intermountain and Panhandle following the
      Transaction (collectively, the "COMBINED ENTITY") require that existing
      directors of Snake River and Magic Valley (other than officer directors
      who will be party to employment agreements with Panhandle) (the
      "DIRECTORS") not be affiliated in any substantial way with a Competing
      Business (as defined herein) for a reasonable period of time after closing
      of the Transaction and/or termination of the Director's status as a
      director of the Combined Entity.

                                    AGREEMENT

      In consideration of the parties' performance under the Merger Agreement,
the Directors agree as follows:

1.    DEFINITIONS. Capitalized terms not defined in this Non-Competition
      Agreement have the meaning assigned to those terms in the Merger
      Agreement. The following definitions also apply to this Non-Competition
      Agreement:

      a.    Competing Business. "COMPETING BUSINESS" means any financial
            institution or trust company (including without limitation, any
            start-up or other financial institution or trust company in
            formation) or holding company thereof that competes or will compete
            within the Covered Area with the Combined Entity or any of its
            subsidiaries or affiliates.

      b.    Covered Area. "COVERED AREA" means the geographical area within a
            ninety mile radius of Twin Falls, Idaho.

      c.    Term. "TERM" means the period of time beginning on the Effective
            Date and ending on the later of (i) three (3) years after the
            Effective Date or (ii) one year

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            following termination of a Director's service on the Board of
            Directors of the Combined Entity. For purposes of this Section 1(c),
            service solely on an advisory board to Panhandle will not constitute
            service on the Board of Directors of the Combined Entity.

2.    PARTICIPATION IN COMPETING BUSINESS. Except as provided in Section 5 or 6,
      during the Term no Director may become involved with a Competing Business
      or serve, directly or indirectly, a Competing Business in any manner,
      including without limitation, (a) as a shareholder, member, partner,
      director, officer, manager, investor, organizer, founder, employee,
      consultant, agent, or representative, or (b) during the organization and
      pre-opening phases in the formation of a Competing Business.

3.    NO SOLICITATION. During the Term, no Director may, directly or indirectly,
      solicit or attempt to solicit (a) any employees of the Combined Entity or
      any of its subsidiaries or affiliates to participate, as an employee or
      otherwise, in any manner in a Competing Business, or (b) any customers of
      the Combined Entity or its subsidiaries or affiliates to transfer their
      business to a Competing Business. Solicitation prohibited under this
      section includes solicitation by any means, including, without limitation,
      meetings, letters or other mailings, electronic communications of any
      kind, and internet communications.

4.    CONFIDENTIAL INFORMATION. During and after the Term, the Directors will
      not disclose any confidential information of the Combined Entity or its
      subsidiaries or affiliates obtained by such person while serving as a
      director of the Combined Entity except in accordance with a judicial or
      other governmental order.

5.    OUTSIDE COVERED AREA. Nothing in this Non-Competition Agreement prevents a
      Director from becoming involved with, as a shareholder, member, partner,
      director, officer, manager, investor, organizer, founder, employee,
      consultant, agent, representative, or otherwise, with a Competing Business
      that has no operations in the Covered Area.

6.    PASSIVE INTEREST. Nothing in this Non-Competition Agreement prevents the
      Directors from owning 5% or less of any class of security of a Competing
      Business.

7.    REMEDIES. Any breach of this Non-Competition Agreement by a Director will
      entitle the Combined Entity, together with its successors and assigns, to
      injunctive relief and/or specific performance, as well as to any other
      legal or equitable remedies they may be entitled to.

8.    GOVERNING LAW AND ENFORCEABILITY. This Non-Competition Agreement is
      governed by, and will be interpreted in accordance with, the laws of the
      State of Idaho. If any court determines that the restrictions set forth in
      this Non-Competition Agreement are unenforceable, then the parties request
      such court to reform these provisions to the maximum restrictions, term,
      scope or geographical area that such court finds enforceable.

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9.    INDIVIDUAL OBLIGATIONS. The obligations of each of the Directors under
      this Non-Competition Agreement are intended to be several and not joint.

10.   COUNTERPARTS. The parties may execute this Non-Competition Agreement in
      one or more counterparts, including facsimile counterparts. All the
      counterparts will be construed together and will constitute one Agreement.

SIGNED as of July 23, 2004:

INTERMOUNTAIN COMMUNITY                   SNAKE RIVER BANCORP, INC.
BANCORP

By /s/ Curt Hecker                        By /s/ Phillip Bratton
   -------------------------------------     -----------------------------------
   Curt Hecker                               Phillip Bratton
   President & Chief Executive Officer       President & Chief Executive Officer

PANHANDLE STATE BANK                       MAGIC VALLEY BANK

By /s/ Curt Hecker                        By /s/ Phillip Bratton
   -------------------------------------     -----------------------------------
   Curt Hecker                               Phillip Bratton
   Chief Executive Officer                   President & Chief Executive Officer

DIRECTORS:

/s/ Randall Brewer                        /s/ Gary Garnand
----------------------------------------  --------------------------------------
Randall Brewer                            Gary Garnand

/s/ Jeffrey Gooding                       /s/ Gerald Gunter
----------------------------------------  --------------------------------------
Jeffrey Gooding                           Gerald Gunter

/s/ Ron Jones                             /s/ Kenneth Moore
----------------------------------------  --------------------------------------
Ron Jones                                 Kenneth Moore

/s/ William Oakley                        /s/ James Patrick
----------------------------------------  --------------------------------------
William Oakley                            James Patrick

/s/ Chris Talkington
----------------------------------------
Chris Talkington

                                        3<PAGE>

                                                                   EXHIBIT 10.22

                                                                  EXECUTION COPY

                    DIRECTOR VOTING AND RESIGNATION AGREEMENT

      This Director Voting and Resignation Agreement ("VOTING AGREEMENT"), dated
as of July 23, 2004, is among Intermountain Community Bancorp, an Idaho
corporation ("INTERMOUNTAIN"), Snake River Bancorp, Inc., an Idaho corporation
("SNAKE RIVER"), and the undersigned, each of whom is a director ("DIRECTOR") of
Snake River. This Voting Agreement will be effective upon the signing of the
Merger Agreement (defined below).

                                     RECITAL

      As an inducement for Intermountain to enter into the Plan and Agreement of
Merger (the "MERGER AGREEMENT") dated as of the date hereof, whereby, among
other things, Snake River will merge with and into Intermountain (the
"TRANSACTION"), each of the Directors, for himself or herself, his or her heirs
and legal representatives, hereby agrees as follows:

                                    AGREEMENT

1.    VOTING AND OTHER MATTERS. Each of the Directors will vote or cause to be
      voted all shares of Snake River's common stock that he or she beneficially
      owns, with power to vote or direct the voting of (the "SHARES"), in favor
      of approval of the Merger Agreement and the Transaction. In addition, each
      of the Directors will (a) recommend to the shareholders of Snake River
      that they approve the Merger Agreement, and (b) refrain from any actions
      or omissions inconsistent with the foregoing, except as otherwise required
      by law, including, without limitation, the Directors' fiduciary duties to
      Snake River and its shareholders.

2.    NO TRANSFER. Until the earlier of the consummation of the Transaction or
      the termination of the Merger Agreement, each Director will not sell,
      permit a lien or other encumbrance to be created with respect to, or grant
      any proxy in respect of (except for proxies solicited by the board of
      directors of Snake River in connection with the Snake River shareholders'
      meeting at which the Transaction is presented for shareholder approval)
      any Shares, unless all other parties to any such sale or other transaction
      enter into an agreement in form and substance satisfactory to
      Intermountain embodying the benefits and rights contained in this Voting
      Agreement.

3.    RESIGNATION. Each Director hereby tenders his or her resignation from the
      Boards of Directors of Snake River and Magic Valley Bank, Snake River's
      wholly owned subsidiary, effective only upon the closing of the
      Transaction.

4.    INDIVIDUAL OBLIGATIONS. Obligations of each of the Directors under this
      Voting Agreement are intended to be several and not joint.

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5.    MISCELLANEOUS.

      a.    Severability. If any provision of this Voting Agreement or the
            application of such provision to any person or circumstances will be
            held invalid or unenforceable by a court of competent jurisdiction,
            such provision or application will be unenforceable only to the
            extent of such invalidity or unenforceability, and the remainder of
            the provision held invalid or unenforceable and the application of
            such provision to persons or circumstances, other than the party as
            to which it is held invalid, and the remainder of this Voting
            Agreement, will not be affected.

      b.    Counterparts. This Voting Agreement may be executed in one or more
            counterparts, including facsimile counterparts, each of which will
            be deemed an original, but all of which taken together will
            constitute one and the same document.

      c.    Governing Law. This Voting Agreement will be deemed a contract made
            under, and for all purposes will be construed in accordance with,
            the laws of the State of Idaho.

      e.    Remedies. Any breach of this Voting Agreement entitles Intermountain
            to injunctive relief and/or specific performance, as well as any
            other legal or equitable remedies Intermountain may be entitled to.

SIGNED EFFECTIVE as of July 23, 2004.

INTERMOUNTAIN COMMUNITY                   SNAKE RIVER BANCORP, INC.
BANCORP

By /s/ Curt Hecker                        By /s/ Phillip Bratton
   -------------------------------------     -----------------------------------
      Curt Hecker                            Phillip Bratton
      President & Chief Executive Officer    President & Chief Executive Officer

                       Additional Signatures on Next Page

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DIRECTORS:

/s/ Phillip Bratton
----------------------------------------  --------------------------------------
Phillip Bratton                           Randall Brewer

/s/ Gary Garnand                          /s/ Jeffrey Gooding
----------------------------------------  --------------------------------------
Gary Garnand                              Jeffrey Gooding

/s/ Gerald Gunter                         /s/ Ron Jones
----------------------------------------  --------------------------------------
Gerald Gunter                             Ron Jones

/s/ Kenneth Moore                         /s/ William Oakley
----------------------------------------  --------------------------------------
Kenneth Moore                             William Oakley

/s/ James Patrick                         /s/ Chris Talkington
----------------------------------------  --------------------------------------
James Patrick                             Chris Talkington

/s/ Ernest Bengoechea                     /s/ Pamela Rasmussen
----------------------------------------  --------------------------------------
Ernest Bengoechea                         Pamela Rasmussen

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