Document:

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                        SENIOR MANAGEMENT INCENTIVE PLAN

PLAN This Incentive Plan was approved by the Board of Directors of Clovis
Community Bank (CCB) to be effective January 1, 1999.

PURPOSE The continued growth and success of Clovis Community Bank depends on its
ability to attract and retain the services of key executives of the highest
level of competence and to provide incentives for their effective service and
superior performance. The purpose of this Plan is to advance the interests of
CCB and its shareholders through an annual incentive compensation program that
will attract, retain and motivate key executives.

ELIGIBILITY AND PARTICIPATION The Board of Directors will determine those
employees who will be eligible and participate in the Plan.

INCENTIVE AWARDS Each Participant for each Plan Period shall be eligible for
annual Incentive Awards based upon:

       1)       Participant's target award for Plan Period;
       2)       Weighted component percentages;
       3)       Participant's Modifier Percentage

CALCULATION AWARD The Board will determine the Award for each Participant for a
Plan Period no later than three months after the end of the Plan Period. If
Participant's job position changes during the Plan Period, the Board may
increase or decrease the amount of a Participant's award to reflect the changes.
Although awards generally shall be based on the procedures of the Plan, the
Board may adjust any Participant's award to reflect additional or extraordinary
performance factors that, in the judgment of the Board, should be considered in
the overall performance of the Participant.

RIGHT TO RECEIVE AWARD A Participant must continue employment with CCB until the
end of the Plan Period in order to be entitled to receive an award for the Plan
Period. If a Participant's employment with CCB is terminated before the end of
the Plan Period for a reason other than death, disability, position termination
or retirement, the Participant shall not be entitled to any award for that Plan
Period. If a Participant's employment with CCB is terminated before the end of
the Plan Period due to death, disability, position termination or retirement,
the Board shall determine whether, and to what extent, the Participant or the
Participant's beneficiary or estate shall be entitled to receive a pro-rata
portion of the Participant's Award for the Plan Period and on what basis such
proration shall be made.

ADMINISTRATION The Board will have total authority to administer the Plan but
may rely on information and recommendation provided by supervisory management.
Decisions of the Board shall be final and binding on all parties affected by the
Plan, including beneficiaries of Participants. A Participant's benefits in the
Plan cannot be sold, transferred, anticipated, assigned, pledged, hypothecated,
seized by legal

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Senior Management Incentive Plan-2                                       1/1/99

process, subject to claims by creditors in any way or otherwise disposed of.
Nothing in the Plan shall confer upon any person the right to continue in the
employ of CCB or interfere in any way with the right of CCB to terminate the
person's employment at any time. CCB shall withhold any taxes required by law to
be withheld in connection with payment of an Award under this Plan.

Any person claiming an Award under this Plan shall present a claim in writing to
the Manager of Human Resources of CCB. A response to a claim will be given no
more than 90 days after written claim was filed.

The Board of Directors has the authority and power to terminate this Plan at any
time or to amend this Plan at any time in any manner that it may deem advisable.

Name
    -----------------------------------------
     Participant/Employee

Name
    -----------------------------------------
     Clovis Community Bank, Director<PAGE>
                                                                   Exhibit 10.16

                              EMPLOYMENT AGREEMENT

THIS EMPLOYMENT AGREEMENT (the "Agreement") is made effective as of May 11,
1998, at Clovis, California, County of Fresno, State of California, by and
between CLOVIS COMMUNITY BANK (hereinafter referred to as "Employer" or
"Bank") and DANIEL J. DOYLE (hereinafter referred to as "Employee").

Employer desires to avail itself of the skill, knowledge and experience of
Employee as President and Chief Executive Officer.

Employee, being willing to be employed by Employer as President and Chief
Executive Officer, and Employer being willing to employ Employee, on the terms,
convenants and conditions hereinafter set forth, it is agreed as follows:

         1.   POSITION: Employee is hereby employed as President and Chief
              Executive Officer of Employer.

         2.   TERM: The term of this Agreement shall commence June 1, 1998, and
              continue through December 31, 2001 (the "Employment Term"),
              subject, however, to prior termination as set forth in Section 6
              of this agreement. At the end of said term, this Agreement shall
              renew automatically for an additional one year term(s) unless
              either party furnishes written notice of his or her intention not
              to renew by no later than sixty (60) days prior to the effective
              date of the expiration of the employment term.

         3.   EMPLOYEE DUTIES: Upon the effective date of this Agreement and
              removal of the predecessor President and Chief Executive Officer
              of the Bank, Employee is hereby vested with such powers and duties
              as are designated by the By-Laws of Employer, by the Board of
              Directors of Employer (the"Board"), or by any duly authorized
              Committee of the Board. Subject to the control of the business and
              affairs of Employer and shall be senior in rank to all other
              officers of Employer. As President and Chief Executive Officer,
              Employee shall have the authority to sign contracts, bills, notes,
              drafts and other obligations of Employer, as grated to the
              President by the By-Laws or the Board and in accordance with
              appropriate governmental regulation.

         4.   EXTENT OF SERVICES: Employee shall devote substantially all of his
              time and effort to the business of Employer and shall not during
              the Employment Term be engaged in any other business activities,
              except personal investments, without the prior written consent of
              Employer.

         5.   COMPENSATION AND BENEFITS: For the first year of the contract,
              Employee shall receive an annual salary of $160,000 prorated for
              the amount of time actually worked. Employee shall also be
              entitled to receive a bonus of 25 percent of salary, pro-rated to
              1998. Bonus will be based on Employee reaching certain goals,
              both subjective and objective, prior to December 31, 1998. It is
              the intent of the parties to reduce the specific goals to writing
              within 30 days of the date of hire. For 1999, the gross salary
              will be $160,000 plus a 30 percent bonus based upon specific
              goals to be set by mutual agreement of the parties. For the years
              2000 and 2001, the Board shall set the base salary and bonus. The
              specific

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              goals for the bonus shall be set by mutual agreement of the
              parties for the years 2000 and 2001. The annual base salary
              shall not be less than $160,000.

                           (a) MOVING EXPENSES: Employee shall receive a net of
                               $25,000 for moving expenses. To the extent that
                               any of the amount paid by the Bank for Employee's
                               moving expenses is deemed to be taxable, the Bank
                               will pay Employee an amount such that once taxes
                               are withheld, Employee will receive a net of $25,
                               000 for this purpose. In addition, Employee will
                               receive a net of $25,000 for this purpose. In
                               addition, Employee shall be given $1,000.00 a
                               month for three months to cover additional costs
                               related to renting a home or apartment in the
                               Fresno/Clovis area. Employee shall use his best
                               efforts to obtain the best purchase price.

                           (b) STOCK OPTIONS SIGNING BONUS: as of the date of
                               the execution of this Agreement, Employee will
                               receive the option to purchase 20,000 shares of
                               stock at the current market price as a signing
                               bonus. The stock options will become vested over
                               a four-year period with 4,000 shares being vested
                               on the date of hire, 4,000 shares being vested on
                               the first anniversary of this Agreement, 4,000
                               shares being vested on the second anniversary of
                               this Agreement, and 4,000 shares becoming vested
                               on the fourth anniversary of this Agreement.
                               Additionally, the parties recognize that the
                               Board is committed to granting Employee
                               performance-based incentive stock options which
                               will result in Employee owning approximately five
                               percent (5%) of the Bank's stock, based on the
                               way the Bank is structured today, when Employee
                               reaches age 65, if he has been employed
                               continuously by the Bank in his
                               presently-described position or a higher position
                               within the Bank. The parties recognize that in
                               the event additional stock is issued that
                               Employee's ownership interest may be diluted
                               pro-rata, the same as all other existing
                               shareholders. The 5% shall not include any shares
                               the Employee purchases that are in addition to
                               shares granted under a stock option plan.
                               However, such future stock options are at the
                               sole discretion of the Board of Directors. A
                               sample copy of Employer's Stock Option Agreement
                               has been provided to Employee.

                           (c) COUNTRY CLUB EXPENSES: Employer agrees to pay
                               monthly dues and assessments at a country club
                               that is mutually agreed upon by the Board of
                               Directors and Employee. Employer agrees to pay
                               all business-related expenses at the country
                               club. Employee's membership in the golf and
                               country club shall be owned exclusively by
                               Employee. If, after an examination performed by
                               the regulators after May 1999, the State and
                               Federal Ceased and Desist Orders are released and
                               the Bank receives a CAMEL rating of 2 or higher,
                               the Bank will reimburse Employee for his country
                               club membership fee.

                           (d) AUTOMOBILE ALLOWANCE: employer shall provide
                               Employee with an automobile allowance of
                               $1,000.00 per month to cover Employee's cost of
                               an automobile and related automobile travel
                               expenses. The automobile shall be approved by
                               Board as being suitable for the Bank CEO.
                               Employee shall be responsible

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                               for paying all operation expenses of any
                               nature whatsoever with regard to Employee's
                               chosen automobile. Employee shall furnish
                               Employer adequate records and other
                               documentary evidence required by the Bank.
                               Employee shall also procure and maintain in
                               force an automobile insurance policy on such
                               automobile, with coverage naming the Bank as
                               an additional insured with the minimum
                               coverage of $1 million combined single limit
                               of liability. Employee shall provide Bank with
                               copy of the insurance policy.

                           (e) INSURANCE:

                                   i. Employer shall provide for Employee, and
                                      his wife and dependent children, at
                                      Employer's expense, participation in basic
                                      medical/dental coverage, disability
                                      coverage and life insurance coverage
                                      equivalent to the maximum benefits
                                      available under the California Banker's
                                      Association Group Insurance Program for an
                                      employee of Employee's salary level,
                                      except that in any event, Employee shall
                                      be provided with term life insurance
                                      benefits of at least One Hundred Thousand
                                      Dollars ($100,000). Said coverage shall be
                                      in existence or shall take effect as of
                                      the effective date hereof and shall
                                      continue throughout the Employment Term.

                                  ii. As provided under Sections 1161-1168 of
                                      Title 29 of the United States Code
                                      ("COBRA") respecting continuation of any
                                      such coverages, Employee shall, upon a
                                      loss of any such coverages for himself
                                      and/or his wife and dependent children who
                                      are then covered under Employer's health,
                                      dental, and/or vision plans (if any)
                                      resulting from (1) termination of
                                      Employee's employment (for any reason
                                      other than for gross misconduct) or (2) a
                                      reduction in his hours, be entitled to
                                      exercise his COBRA rights.

                           (f) VACATION: Employee shall receive at least four
                               weeks paid vacation per year. Said vacation leave
                               shall accrue on a pro-rata monthly basis. All
                               vacation leave must be taken annually at such
                               time or times as mutually agreed upon by Employee
                               and the Board. Employee shall not be entitled to
                               vacation pay in lieu of vacation, provided,
                               however, that should Employee be precluded due to
                               his duties as President and Chief Executive
                               Officer from taking his full vacation by request
                               of the Board, any vacation time not used in
                               excess of the Mandatory Vacation shall be paid
                               for at Employee's daily rate of compensation for
                               the year and time in question. Any such payments
                               shall be due and payable within thirty (30) days
                               at the end of the calendar year during which the
                               unused vacation time accrued. Employee shall
                               receive such additional paid vacation as mutually
                               agreed upon by Employee and the Board.

                           (g) GENERAL EXPENSES: Employer shall upon submission
                               and approval of written statements and bills in
                               accordance with the regular procedures of
                               Employer relative to senior executives, pay or
                               reimburse Employee for any and all necessary,
                               customary and usual expenses incurred by him
                               while traveling for or on behalf of Employer and
                               for any and all other necessary, customary or
                               usual expenses (including, without limitation,
                               gifts and entertainment) incurred

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                               by Employee for or on behalf of Employer in
                               the normal course of business. Employee agrees
                               that, if at any time any payment made to
                               Employee by employer, whether for salary or
                               whether as auto expense or business expense
                               reimbursement, shall be disallowed in whole or
                               in part as a deductible expense by the
                               appropriate taxing authorities, Employee shall
                               reimburse Employer to the full extent of such
                               disallowance.

         6.   TERMINATION: This Agreement may be terminated during the
              Employment term in accordance with this Section 6. In the event of
              such termination, Employee shall be released from all obligations
              under this Agreement, except that employee shall remain subject to
              Sections 7,8, 12 (c), 12(j), 13 and 14, and Employer shall be
              released from all obligations under this Agreement, except as
              other wise provided in this Section and Sections 12 (c), 12 (j),
              13 and 14.

                           (a) EARLY TERMINATION BY EMPLOYER FOR CAUSE: This
                               Agreement may be terminated for cause by Employer
                               upon written notice, and Employee shall not be
                               entitled to receive compensation or other
                               benefits for any period after termination for
                               cause. Employee understands and agrees that
                               satisfactory performance of this Agreement on his
                               part requires conformance with the highest
                               standards of diligence, competence, skill,
                               judgement and efficiency in the banking industry
                               and that failure to conform to such standards is
                               cause for termination of the Agreement by
                               Employer. Termination "for cause" pursuant to
                               this Section 6 (a) also means: (1) termination
                               pursuant to Section 11 of this Agreement; (2)
                               termination because of Employee's negligent or
                               intentional violation of any law, rule or
                               regulation (other than a traffic violation or
                               similar offense); or (3) termination because of
                               Employee's actions causing termination of
                               Employer's Banker's Blanket Bond with respect to
                               Employee.

                           (b) EARLY TERMINATION UPON DISABILITY: If Employee
                               becomes disabled during the Employment Term
                               because of physical or mental disability so that
                               he is unable to perform his duties hereunder,
                               Employer may at its option terminate this
                               Agreement. Employee shall be entitled to the
                               salary provided for in Section 5 of this
                               Agreement for a period of one-hundred and eighty
                               (180) days from the date of Employee's first
                               absence due to this disability, plus accrued but
                               unused vacation leave, but not beyond the date
                               specified herein for the end of the Employment
                               Term. All other compensation and benefits
                               provided for under this Agreement shall cease as
                               of the date of termination. For purposes of this
                               Agreement only, physical or mental disability
                               shall mean the inability of Employee to fully
                               perform under this Agreement for a continuous
                               period of one-hundred and eighty (180) days, as
                               determined in the case of physical disability by
                               a physician, or in the case of mental disability
                               by a psychiatrist both of whom must be licensed
                               to practice medicine in California and are to be
                               selected with the approval of Employer and
                               Employee. Recurrent disabilities will be treated
                               as separate disabilities if they result from
                               unrelated causes or if they result from the same
                               or related cause or causes and are separated by a
                               continuous period of at least six (6) full months
                               during which Employee was able to perform his
                               duties hereunder equal to at least eighty percent
                               (80%) of his capacity prior to disability.

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                               Otherwise, recurrent disabilities will be treated
                               as a continuation of previous disabilities for
                               the purpose of determining the limitations
                               established in this paragraph.

                           (c) AUTOMATIC TERMINATION UPON CLOSURE OR  TAKE-OVER:
                               This Agreement shall terminate automatically if
                               Employer is closed or taken over by the
                               California Department of Financial Institutions
                               or by any other supervisory authority.

                           (d) MERGER OR CORPORATE DISSOLUTION:

                                   i. In the event of a merger in which Employer
                                      is not the surviving corporation, in the
                                      event of a transfer of all or
                                      substantially all of the assets of
                                      Employer, in the event of any other
                                      corporate reorganization in which there is
                                      a change in ownership of the outstanding
                                      shares of Employer wherein more than fifty
                                      percent (50%) of the outstanding shares of
                                      Employer and re transferred to any other
                                      partnership, corporation, trust or
                                      business entity, or in the event of the
                                      dissolution of Employer, this Agreement
                                      shall not be terminated, but instead, the
                                      surviving or resulting corporation, the
                                      transferee of Employer's assets, or
                                      Employer shall be bound by and shall have
                                      the benefit of the provisions of this
                                      Agreement.

                                  ii. Notwithstanding the foregoing, in the
                                      event of any such merger, reorganization
                                      or transfer of assets (constituting a
                                      change in "the ownership or effective
                                      control" or "the ownership of a
                                      substantial portion of the Asset" of
                                      Employer, within the meaning of Section
                                      280G(b) (A) (i) of the Internal Revenue
                                      Code of 1986, as amended ("IRC"), or any
                                      successor statute, Employee may elect to
                                      stay with or leave the new entity. If
                                      Employee elects to leave he shall be
                                      entitled to severance as follows. Employee
                                      shall be paid a lump sum termination
                                      payment equal to the average total cash
                                      compensation paid to Employee by average
                                      total cash compensation paid to Employee
                                      by Employer during the most recent three
                                      fiscal years of Employer multiplies by
                                      two; provided, that in the event the
                                      amounts payable to Employee would, if they
                                      included such termination payment to be
                                      make pursuant to this Section 6 (d) (ii),
                                      constitute Excess Parachute Payments for
                                      purposes of IRC Sections 280G (b) and 4999
                                      (after application of Section 280(b) (4),
                                      the amount payable under this Section 6(d)
                                      (ii) shall be reduced by the amount
                                      necessary to cause Employee to receive no
                                      Excess Parachute Payments. Change of
                                      control shall not include the folding of
                                      the Bank into a holding company. If a
                                      holding company is formed and Employee is
                                      not retained as President or a higher
                                      position of Clovis Community Bank or its
                                      successor, then Employee shall have the
                                      option of staying or leaving pursuant to
                                      the terms of this paragraph. In the event
                                      Employee has been employed less than three
                                      years, the average annual compensation
                                      shall be determined by using Employee's
                                      compensation history with the Bank to
                                      determine the annual compensation formula
                                      for purposes of this paragraph.

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                                 iii. Notwithstanding anything to the
                                      contrary provided herein, if Employer is
                                      not the surviving entity in any
                                      transaction referred to in Section 6 (d)
                                      hereof and said transaction is in any
                                      manner the result of any action taken
                                      at the direction of any supervisory/
                                      regulatory authority whatsoever other
                                      than action from current regulatory
                                      order, then in such event this
                                      Agreement shall terminate immediately
                                      upon the consummation of such
                                      transaction and Employee agrees that
                                      all rights, duties, obligations, and
                                      benefits herein contained shall
                                      thereupon terminate and that Employee
                                      shall be entitled to no further
                                      compensation or benefits from Employer
                                      save and except those rights, duties,
                                      obligations, benefits and/or
                                      compensation accrued and/or earned
                                      prior to the date of such termination.

                                  iv. For a period of 24 months following a
                                      change in "the ownership or effective
                                      control," employee shall have the option
                                      to terminate this Agreement and be
                                      entitled to the same "lump sum termination
                                      payment" as defined under paragraph 6(d)
                                      (ii) if any of the following occur: (a)
                                      change of the Employee's status as
                                      President and Chief Executive Officer of
                                      Clovis Community Bank or a higher position
                                      if Employee has been serving in that
                                      capacity, (b) any decrease in Employee's
                                      total compensation, (c) material changes
                                      in Employee's duties and authority, and/or
                                      (d) change in Employee's office location
                                      more than thirty (30) miles from Clovis,
                                      California.

                  (e) TERMINATION WITHOUT CAUSE AT EMPLOYER'S OPTION:
                      Notwithstanding any other section of this Agreement,
                      Employer may terminate this Agreement at any time and
                      without cause by giving Employee thirty (30) days' written
                      notice of Employer's intent to terminate this Agreement.
                      In the event Employee's employment is terminated pursuant
                      to this Section of this Agreement, Employee shall be paid
                      all accrued salary, vacation, and reimbursable expenses
                      for which expense reports have been provided to Employer
                      in accordance with Employer's policies and this Agreement.
                      In addition to the foregoing amount , if Employee is
                      terminated pursuant to this Section of the Agreement, he
                      will be entitled to receipt of additional severance
                      payments as follows:

                          i. Employee shall be entitled to receive up to 24
                             payments, each in the amount equal to one-twelfth
                             (1/12) of Employee's annual base salary, less any
                             withholding required by law. Any payments due and
                             owing to Employee under this Section will commence
                             on the 15th day of the first month following
                             Employee's termination and shall continue until all
                             payments due and owing Employee are made or until
                             Employee obtains other comparable employment,
                             whichever comes first. For purposes of implementing
                             subparagraph (i) of this Section, employee agrees
                             to furnish Employer with prompt written notice
                             describing any subsequent employment he secures
                             (including his compensation for such employment)
                             following any termination under this Section.

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                         ii. For purposes of subparagraph (i) of this Section,
                             the term "comparable employment" shall mean any
                             employment in which Employee's compensation
                             (measured by any cash or not-cash payments or
                             benefits) is comparable to his compensation under
                             this Agreement. Any compensation comparison
                             undertaken for the purposes of this Agreement shall
                             be don without regard to any vested or unvested
                             stock options of Employee.

                        iii. In addition to any severance payments due and
                             owing under this Section, employer may, in its sole
                             discretion, provide Employee with a performance
                             bonus prorated for the number of months between the
                             termination date and the end of Employer's last
                             fiscal year.

                  (f) TERMINATION BY EMPLOYEE:  Employee may terminate this
                      Agreement for good cause.

         7.   PRINTED MATERIAL: All written or printed materials used by
              Employee in performing duties for Employer are and shall remain
              the property of Employer. Upon termination of employment,
              Employee shall promptly return such written or printed materials
              to Employer.

         8.   DISCLOSURE OF INFORMATION: employee shall not, either before or
              after termination of this Agreement, disclose to anyone any
              information relating to Employer or any financial information,
              trade secrets or know-how germane to the business and operations
              of Employer. Employee recognizes and acknowledges that any
              financial information concerning any of Employer's customers, as
              it may exist from time to time, is strictly confidential and is a
              valuable, special and unique asset of the business of Employer.
              Employee shall not, either before or after termination of this
              Agreement, disclose to anyone said financial information or any
              part thereof for any reason or purpose whatsoever.

         9.   NON-COMPETITION BY EMPLOYEE: During the term of this Agreement,
              Employee shall not, directly or indirectly, either as an employee,
              employer, consultant, agent, principal, partner, stockholder,
              corporate officer, director, or in any other individual or
              representative capacity, engage or participate in any competing
              banking business; provided, however, Employee shall not be
              restricted by this Section from owning securities of corporations
              listed on a national securities exchange or regularly traded by
              national securities dealers so long as such investment securities
              of such corporation. Upon the expiration of this Agreement, for
              one year Employee agrees not to solicit or hire any employees of
              Employer.

         10.  MORAL CONDUCT: Employee agrees to conduct himself at all times
              with due regard to public conventions and morals. Employee further
              agrees not to do or commit any act that will reasonably tend to
              degrade him or to bring him into public hatred, contempt, or
              ridicule, or that will reasonably tend to shock or offend the
              community, or to prejudice Employer or the banking industry in
              general.

         11.  SURETY BOND: Employee agrees that he will furnish all information
              and take any steps necessary to enable employer to obtain or
              maintain a fidelity bond conditional on the rendering of a true
              account by Employee of all monies, goods or other property which
              may come into the custody, charge or possession of Employee during
              the Employment Term.

<PAGE>

              The surety company issuing the bond and the amount of the bond
              are to be paid by Employer. If Employee cannot qualify for a
              surety bond at any time during the Employment Term, Employer
              shall have the option to terminate this Agreement immediately.

         12.  GENERAL: This Agreement is further governed by the following
              provisions:

              (a) ENTIRE AGREEMENT: This Agreement supersedes any and all other
                  agreements, either oral or in writing, between the parties
                  hereto with respect to the employment of Employee by Employer
                  and contains all of the covenants and agreements among the
                  parties with respect to such employment. Any modification,
                  waiver or amendment of this Agreement will be effective only
                  if it is in writing and signed by the party to be charged.

              (b) WAIVER: Any waiver by any party of a breach of any provision
                  of this Agreement shall not operate as or be construed to be a
                  waiver of any other breach of such provision or of any breach
                  of any other provision of this Agreement. The failure of a
                  party to insist upon strict adherence to any term of this
                  Agreement on one or more occasions shall not be considered a
                  waiver or deprive that party of the right thereafter to insist
                  upon strict adherence to that term or any other term of this
                  Agreement.

              (c) CHOICE OF LAW: This Agreement shall be governed by and
                  construed in accordance with the laws of the State
                  of California.

              (d) BINDING EFFECT OF AGREEMENT: This Agreement shall insure to
                  the benefit of and be binding upon Employer, its successors
                  and assigns, including without limitation, any person,
                  partnership or corporation which may acquire all or
                  substantially all of Employer's assets and business, or with
                  or into which Employer may be consolidated, merged or
                  otherwise reorganized, and this provision shall apply in the
                  event of any subsequent merger, consolidation, reorganization,
                  or transfer. The provisions of this Agreement shall be binding
                  upon and inure to the benefit of Employee and his heirs and
                  personal representatives. The rights and obligations of
                  Employee under this Agreement shall not be transferable by
                  assignment or otherwise, such rights shall not be subject to
                  commutation, encumbrance or the claims of Employee's
                  creditors, and any attempt to do any of the foregoing shall be
                  void.

              (e) INDEMNIFICATION: Employer shall indemnify Employee to the
                  maximum extent permitted under the By-Laws of Employer and the
                  California Corporations Code. If available at reasonable
                  rates, Employer shall endeavor to apply for and obtain
                  Directors and Officers Liability Insurance to indemnify and
                  insure Employer and Employee from and against liability or
                  loss arising out of Employee's actual or asserted misfeasance
                  or nonfeasance in the good faith performance of his duties or
                  out of any actual or asserted wrongful act against, or by
                  Employer including, but not limited to, judgments, fines,
                  settlements and expenses incurred in the defense of actions,
                  proceedings and appeals therefrom. The provisions of this
                  paragraph shall inure to the benefit of Employee's estate,
                  executor, administrator, heirs, legatees or devisees.

              (f) SEVERABILITY: In the event that any term or condition
                  contained in this Agreement shall, for any reason, be held by
                  a court of competent jurisdiction to be invalid, illegal or

<PAGE>

                  unenforceable in any respect, such invalidity, illegality or
                  unenforceability shall not affect any other term or condition
                  of this Agreement, but this Agreement shall be construed as if
                  such invalid or illegal or unenforceable term or condition had
                  never been contained herein.

              (g) HEADINGS: The headings in this Agreement are solely for the
                  convenience of reference and shall be given no effect in the
                  construction or interpretation of this Agreement.

              (h) NOTICES: Any notices to be given hereunder by one party to the
                  other shall be effected in writing either by personal delivery
                  or by mail, registered or certified, postage prepaid with
                  return receipt requested. Mailed notices shall be addressed to
                  the parties at the addresses indicated at the end of this
                  Agreement, but each party may change his or its address by
                  notice in accordance with this paragraph. Notices delivered
                  personally shall be deemed communicated as of actual receipt;
                  mailed notices shall be deemed communicated as of five (5)
                  days after mailing.

              (i) CALENDAR DAYS--CLOSE OF BUSINESS: Unless the context otherwise
                  requires, all periods ending on a given day or date or upon
                  the lapse of a period of days shall end on the close of the
                  business on that day or date, and references to "days" shall
                  be understood to refer to calendar days.

              (j) ATTORNEYS' FEES AND COSTS: If any action at law or in equity,
                  or any arbitration proceeding, is brought to enforce or
                  interpret the terms of this Agreement, the prevailing party
                  shall be entitled to reasonable attorneys' fees, costs and
                  necessary disbursements in addition to any other relief to
                  which he or it may be entitled.

              (k) REGULATORY APPROVAL: The parties acknowledge that Employee's
                  employment with the Bank is subject to review and approval of
                  governmental regulatory authorities. The parties shall agree
                  to take all steps necessary to cooperate fully with said
                  regulators in order to expedite the approval process.
                  Employee's contract under this Agreement is subject to, and
                  shall not commence until, said regulatory approvals have been
                  obtained.

              (l) APPROVAL BY BOARD OF DIRECTORS: The parties acknowledge that
                  Employee's employment with the Bank is subject to the approval
                  of the Bank's Board of Directors. Employee's contract under
                  this Agreement is subject to, and shall not commence, until
                  approval by the Board of Directors.

         13.  MEDIATION AND ARBITRATION OF DISPUTES: Any disputes regarding the
              employment relationship or its termination for whatever reason or
              events occurring during the employment relationship shall be
              subject to mediation followed by binding arbitration, to the
              extent permitted bylaw, pursuant to the Employment Dispute
              Resolution rules and regulations of the American Arbitration
              Association. This includes any rights or claims the employee may
              have under (1) Title VII of the Civil rights Act of 1964 (race,
              color, religion, sex and national origin discrimination); (2)
              Section 1981 of the Civil Rights Act of 1866 (discrimination); (3)
              the Age Discrimination in Employment Act (age discrimination)' (4)
              the Equal Pay Act (equal pay); (5) the California Fair Employment
              and Housing Act (discrimination, including race, color, national
              origin, ancestry, physical handicap, medical condition, marital
              status, sex or age); (6) the California Labor Code (wages,
              benefits and

<PAGE>

              other matters); (7) the Fair Labor Standards Act (wage and hour
              matters); (9) the Consolidated Omnibus Budget Reconciliation
              Act (insurance matters); (10) Executive Order 11246
              (affirmative action); (11) the Federal Rehabilitation Act
              (handicap discrimination); (12) the Americans with Disabilities
              Act (discrimination based on disability); and any other
              federal, state or local laws or regulations regarding
              employment discrimination.

              Any request for arbitration must be made in writing within 365
              calendar days of the occurrence-giving rise to the dispute. The
              arbitrator shall apply the substantive law (and the law of
              remedies, if applicable) in the state in which the claim arose, or
              federal law, or both, as applicable to the claim or claims
              asserted. It is the parties' intention that the arbitrator's
              decision shall not be subject to judicial review except for fraud
              or similar misconduct or unless an error appears on the face of
              the award, or the award causes substantial injustice. Unless the
              arbitrator orders otherwise, each party shall be responsible for
              compensating their attorneys and witnesses and bearing any other
              costs incurred by them. THE PARTIES ACKNOWLEDGE AND AGREE THEY ARE
              WAIVING THIR RIGHT TO A COURT TRIAL OR A JURY TRIAL.

         14.  EMPLOYEE'S REPRESENTATIONS: Employee represents and warrants that
              he is free to enter into this Agreement and to perform each of the
              terms and covenants in it. Employee represents and warrants that
              he is not restricted or prohibited, contractually or otherwise,
              from entering into or performing this Agreement, and that his
              execution and performance of this Agreement is not a violation or
              a breach of any other agreement between Employee and any other
              person or entity.

              Executed this 11TH day of May 1998, at Clovis, California.

                         EMPLOYER:                 CLOVIS COMMUNITY BANK

                                             BY:      /s/ Wanda Rogers
                                                -------------------------------
                                                          WANDA ROGERS
                                                      Chairman of the Board

                         EMPLOYEE:                    /s/ Daniel J. Doyle
                                                -------------------------------
                                                      DANIEL J. DOYLE

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