Document:

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                                                                   Exhibit 10.22

                     EXECUTIVE SALARY CONTINUATION AGREEMENT

         THIS AGREEMENT, made and entered into this 7th day of June, 2000 by and
between Clovis Community Bank, a Bank organized and existing under the laws of
the State of California, (hereinafter referred to as the, "Bank"), and Tom
Sommer an Executive of the Bank (hereinafter referred to as the, "Executive").

                                   WITNESSETH:

         WHEREAS, the Executive has been and continues to be a valued Executive
of the Bank, and is now serving the Bank; and

         WHEREAS, it is the consensus of the Board of Directors (hereinafter
referred to as the, "Board") that the Executive's services to the Bank in the
past have been of exceptional merit and have constituted an invaluable
contribution to the general welfare of the Bank and in bringing it to its
present status of operating efficiency, and its present position in its field of
activity;

         WHEREAS, the Executive's experience, knowledge of the affairs of the
Bank, reputation, and contacts in the industry are so valuable that assurance of
the Executive's continued services is essential for the future growth and
profits of the Bank and it is in the best interests of the Bank to arrange terms
of continued employment for the Executive so as to reasonably assure the
Executive's remaining in the Bank's employment during the Executive's lifetime
or until the age of retirement;

         WHEREAS, it is the desire of the Bank that the Executive's services be
retained as herein provided;

         WHEREAS, the Executive is willing to continue in the employ of the Bank
provided the Bank agrees to pay the Executive's or the Executive's
beneficiary(ies) certain benefits in accordance with the terms and conditions
hereinafter set forth;

         ACCORDINGLY, it is the desire of the Bank and the Executive to enter
into this agreement under which the Bank will agree to make certain payments to
the Executive at retirement or the Executive's beneficiary(ies) in the event of
the Executive's death pursuant to this Agreement;

         FURTHERMORE, it is the intent of the parties hereto that this Executive
Plan be considered an unfunded arrangement maintained primarily to provide
supplemental retirement benefits for the Executive, and to be considered a
non-qualified benefit plan for purposes of the Employee Retirement Security Act
of 1974, as amended ("ERISA").

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The Executive is fully advised of the Bank's financial status and has had
substantial input in the design and operation of this benefit plan; and

         NOW, THEREFORE, in consideration of services performed in the past and
to be performed in the future as well as of the mutual promises and covenants
herein contained it is agreed as follows:

I.       EMPLOYMENT

         The Bank agrees to employ the Executive in such capacity as the Bank
         may from time to time determine. The Executive will continue in the
         employ of the Bank in such capacity and with such duties and
         responsibilities as may be assigned to him, and with such compensation
         as may be determined from time to time by the Board of Directors of the
         Bank. At all times, unless modified in writing, employment shall be
         deemed at-will.

II.      FRINGE BENEFITS

         The Salary continuation benefits provided by this agreement are granted
         by the Bank as a fringe benefit to the Executive and are not part of
         any Salary reduction plan or an arrangement deferring a bonus or a
         Salary increase. The Executive has no option to take any current
         payment or bonus in lieu of these Salary continuation benefits except
         as set forth hereinafter.

III.     RETIREMENT DATE AND NORMAL RETIREMENT AGE

         A.       RETIREMENT DATE:

                  If the Executive remains in the continuous employ of the Bank,
                  then in order to receive the benefits of this program, the
                  Executive shall retire from active employment with the Bank on
                  the December 31st nearest the Executive's sixty-fifth (65th)
                  birthday, unless by action of the Board of Directors this
                  period of active employment shall be shortened or extended.

         B.       NORMAL RETIREMENT AGE:

                  Normal Retirement Age shall mean the date on which the
                  Executive attains age sixty-five (65).

         C.       EARLY RETIREMENT DATE:

                  Early Retirement Date shall mean a retirement from service
                  which is effective prior to the Normal Retirement Age stated
                  herein, provided the Executive has attained age sixty (60).

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IV.      RETIREMENT BENEFIT AND EARLY RETIREMENT BENEFIT

         A.       RETIREMENT BENEFIT:

                  Upon the Executive's Retirement Date [Subparagraph III (A)],
                  the Bank, commencing with the first day of the month following
                  the date of such retirement, shall pay the Executive an annual
                  benefit equal to Forty Thousand Dollars and No/00ths
                  ($40,000.00) * in equal monthly installments (1/12 of the
                  annual benefit) for a period of one hundred and eighty (180)
                  months, subject to Paragraph V. Said benefit amount is set
                  forth in Column (C) of Exhibit A, attached hereto and fully
                  incorporated herein by reference.

                  *(i)     COST OF LIVING INCREASE:

                           For each year that the Executive shall receive a
                           benefit, said benefit amount shall be increased by
                           three percent (3%) from the previous years benefit
                           amount.

         B.       EARLY RETIREMENT BENEFIT:

                  Upon the Executive's Early Retirement Date [Subparagraph
                  III(C)], the Bank, commencing with the first day of the month
                  following the date of such early retirement, shall pay the
                  Executive an annual benefit equal to the Executive's accrued
                  liability benefit at the time of said early retirement
                  multiplied by the Executive's vested percentage in said
                  benefits at the time of said early retirement (Paragraph VII)
                  and then taking into consideration the discount rate
                  [Subparagraph XI(L)].* Said amount shall be payable in equal
                  monthly installments (1/12 of the annual benefit) for a period
                  of one hundred and eighty months (180) months, subject to
                  Paragraph V. Said annual benefit amount is set forth in Column
                  (F) of Exhibit A, attached hereto and fully incorporated
                  herein by reference.

                  *(i)     COST OF LIVING INCREASE:

                           For each year that the Executive shall receive a
                           benefit, said benefit amount shall be increased by
                           three percent (3%) from the previous years benefit
                           amount.

V.       DEATH BENEFIT

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         Notwithstanding anything herein to the contrary, in the event of the
         Executive's death, no benefits shall be payable hereunder and this
         agreement shall automatically terminate effective immediately upon said
         death of the Executive.

VI.      BENEFIT ACCOUNTING

         The Bank shall account for this benefit using the regulatory accounting
         principles of the Bank's primary federal regulator. The Bank shall
         establish an accrued liability retirement account for the Executive
         into which appropriate reserves shall be accrued.

VII.     VESTING

         Executive's interest in the benefits that are the subject of this
         Agreement shall be subject to an annual vesting percentage of ten
         percent (10%) for each full year of service with the Bank from the
         second anniversary of the Effective Date of this Agreement
         [Subparagraph XI (K)] (to a maximum of 100%). Said benefit amount is
         set forth in Column (D) of Exhibit A, attached hereto and fully
         incorporated herein by reference.

VIII.    TERMINATION OF EMPLOYMENT AND DISABILITY

         A.       VOLUNTARY TERMINATION OF EMPLOYMENT:

                  Subject to Subparagraph VIII (i) hereinbelow, in the event
                  that the employment of the Executive shall terminate prior to
                  retirement from active employment, as provided in
                  Subparagraphs III (A) and (C), by the Executive's voluntary
                  action, then this agreement shall immediately terminate and
                  the Executive shall not be entitled to receive any benefits
                  under this agreement.

         B.       INVOLUNTARY TERMINATION OF EMPLOYMENT:

                  Subject to Subparagraph VIII (i) hereinbelow, in the event
                  that the employment of the Executive shall terminate prior to
                  retirement from active employment, as provided in
                  Subparagraphs III (A) and (C), by the Bank's discharge of the
                  Executive without cause, then the Executive shall be entitled
                  to receive the Executive's accrued liability balance at the
                  time of said termination multiplied by the Executive's vested
                  percentage in said benefits at the time of said termination
                  (Paragraph VIII) payable in a lump sum upon the Executive
                  attaining Normal Retirement Age [Subparagraph III(B)]. Said
                  benefit amount is set forth in Column (G) of Exhibit A,
                  attached hereto and fully incorporated herein by reference.

                                      4

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                  (i)    DISCHARGE FOR CAUSE: In the event the Executive
                  shall be discharged for cause at any time, all benefits
                  provided herein shall be forfeited. The term for "cause"
                  shall mean any of the following that result in an adverse
                  effect on the Bank: (i) gross negligence or gross neglect;
                  (ii) the commission of a felony or gross misdemeanor involving
                  moral turpitude, fraud, or dishonesty; (iii) the willful
                  violation of any law, rule, or regulation (other than a
                  traffic violation or similar offense); (iv) an intentional
                  failure to perform stated duties; or (v) a breach of fiduciary
                  duty involving personal profit. If a dispute arises as to
                  discharge for "cause", such dispute shall be resolved by
                  arbitration as set forth in this Executive Plan.

         C.       DISABILITY  BENEFIT:

                  In the event the Executive becomes disabled prior to any
                  Termination of Service, and the Executive's employment is
                  terminated because of such disability, the Executive shall be
                  entitled to receive one hundred percent (100%) of the
                  Executive's accrued liability balance at the time of said
                  disability taking to consideration the discount rate
                  [Subparagraph XI(L)].* Said accrued liability balance shall be
                  divided into fifteen (15) annual payments payable for a period
                  of one hundred and eighty (180) months (1/12th of the annual
                  benefit) commencing with the first day of the month following
                  the date of such termination and continuing each month
                  thereafter until said payments have been completed. Said
                  benefit amount is set forth in Column (H) of Exhibit A
                  attached hereto and fully incorporated herein by reference.

                  *(i)     COST OF LIVING INCREASE:

                           For each year that the Executive shall receive a
                           benefit, said benefit amount shall be increased by
                           three percent (3%) from the previous years benefit
                           amount.

                  Disability shall be defined in the Executive's Employment
                  Agreement in effect at the time of said termination or, if no
                  Employment Agreement is in effect, then as defined in the
                  Bank's long term termination policy in effect at the time of
                  said disability. If neither definition exists at the time of
                  termination and there is a dispute regarding whether the
                  Executive is disabled, such dispute shall be resolved by a
                  physician selected by the Bank, a physician selected by the
                  Executive, and a third physician selected by each of the other
                  two (2) physicians. Such resolution shall be binding upon all
                  parties to this Agreement.

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IX.      CHANGE OF CONTROL

         Change of Control shall be deemed to be the cumulative transfer of
         more than fifty percent (50%) of the voting stock of the Bank from
         the date of this Agreement. For the purposes of this Agreement,
         transfers on account of deaths or gifts, transfers between family
         members or transfers to a qualified retirement plan maintained by
         the Bank shall not be considered in determining whether there has
         been a change in control. Upon a Change of Control, if, within
         twelve (12) months of said Change of Control the Executive
         subsequently suffers a Termination of Service (voluntarily or
         involuntarily) except for cause, or if the Executive's job
         responsibilities substantially change or the Executive is relocated
         subsequent to a Change of Control, the Executive shall receive one
         hundred percent (100%) of the benefit that the Executive would have
         received had the Executive been employed by the Bank until Normal
         Retirement Age. Said amount shall be reduced to present value
         [Subparagraph XI(L)] to the Executive's Normal Retirement Age and
         paid to the Executive in a lump sum commencing with the first day of
         the month following the date of such termination. Said benefit
         amount is set forth in Column (I) of Exhibit A attached hereto and
         fully incorporated herein by reference.

         Notwithstanding the foregoing, the combined compensation from this
         Change of Control benefit and any other benefit payable under this
         Agreement, any other contract provision between the parties, or
         otherwise on a Change of Control, shall not exceed three (3) times
         Employee's annualized salary, nor be equal to or in excess of such
         amount that would constitute a nondeductible or excess parachute
         payment under Section 280G of the Code or trigger an excise tax under
         the golden parachute provisions of Section 4999 of the Code.

X.       RESTRICTIONS ON FUNDING

         The Bank shall have no obligation to set aside, earmark or entrust
         any fund or money with which to pay its obligations under this
         Executive Plan. The Executive, their beneficiary(ies), or any
         successor in interest shall be and remain simply a general creditor
         of the Bank in the same manner as any other creditor having a
         general claim for matured and unpaid compensation.

         The Bank reserves the absolute right, at its sole discretion, to
         either fund the obligations undertaken by this Executive Plan or to
         refrain from funding the same and to determine the extent, nature
         and method of such funding. Should the Bank elect to fund this
         Executive Plan, in whole or in part, through the purchase of life
         insurance, mutual funds, disability policies or annuities, the Bank
         reserves the absolute right, in its sole discretion, to terminate
         such funding at any time, in whole or in part. At no time shall any
         Executive be deemed to have any lien nor

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         right, title or interest in or to any specific funding investment or
         to any assets of the Bank.

         If the Bank elects to invest in a life insurance, disability or annuity
         policy upon the life of the Executive, then the Executive shall assist
         the Bank by freely submitting to a physical exam and supplying such
         additional information necessary to obtain such insurance or annuities.

XI.      MISCELLANEOUS

         A.       ALIENABILITY AND ASSIGNMENT PROHIBITION:

                  Neither the Executive, nor the Executive's surviving spouse,
                  nor any other beneficiary(ies) under this Executive Plan shall
                  have any power or right to transfer, assign, anticipate,
                  hypothecate, mortgage, commute, modify or otherwise encumber
                  in advance any of the benefits payable hereunder nor shall any
                  of said benefits be subject to seizure for the payment of any
                  debts, judgments, alimony or separate maintenance owed by the
                  Executive or the Executive's beneficiary(ies), nor be
                  transferable by operation of law in the event of bankruptcy,
                  insolvency or otherwise. In the event the Executive or any
                  beneficiary attempts assignment, commutation, hypothecation,
                  transfer or disposal of the benefits hereunder, the Bank's
                  liabilities shall forthwith cease and terminate.

         B.       BINDING OBLIGATION OF THE BANK AND ANY SUCCESSOR IN INTEREST:

                  The Bank shall not merge or consolidate into or with another
                  bank or sell substantially all of its assets to another bank,
                  firm or person until such bank, firm or person expressly
                  agrees, in writing, to assume and discharge the duties and
                  obligations of the Bank under this Executive Plan. This
                  Executive Plan shall be binding upon the parties hereto, their
                  successors, beneficiaries, heirs and personal representatives.

         C.       AMENDMENT OR REVOCATION:

                  It is agreed by and between the parties hereto that, during
                  the lifetime of the Executive, this Executive Plan may be
                  amended or revoked at any time or times, in whole or in part,
                  by the mutual written consent of the Executive and the Bank.

         D.       GENDER:

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                  Whenever in this Executive Plan words are used in the
                  masculine or neuter gender, they shall be read and construed
                  as in the masculine, feminine or neuter gender, whenever they
                  should so apply.

         E.       EFFECT ON OTHER BANK BENEFIT PLANS:

                  Nothing contained in this Executive Plan shall affect the
                  right of the Executive to participate in or be covered by any
                  qualified or non-qualified pension, profit-sharing, group,
                  bonus or other supplemental compensation or fringe benefit
                  plan constituting a part of the Bank's existing or future
                  compensation structure.

         F.       HEADINGS:

                  Headings and subheadings in this Executive Plan are inserted
                  for reference and convenience only and shall not be deemed a
                  part of this Executive Plan.

         G.       APPLICABLE LAW:

                  The validity and interpretation of this Agreement shall be
                  governed by the laws of the State of California.

         H.       12 U.S.C. Section 1828(K):

                  Any payments made to the Executive pursuant to this Executive
                  Plan, or otherwise, are subject to and conditioned upon their
                  compliance with 12 U.S.C. Section 1828(k) or any regulations
                  promulgated thereunder.

         I.       PARTIAL INVALIDITY:

                  If any term, provision, covenant, or condition of this
                  Executive Plan is determined by an arbitrator or a court, as
                  the case may be, to be invalid, void, or unenforceable, such
                  determination shall not render any other term, provision,
                  covenant, or condition invalid, void, or unenforceable, and
                  the Executive Plan shall remain in full force and effect
                  notwithstanding such partial invalidity.

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           J.     NOT A CONTRACT OF EMPLOYMENT:

                  This Agreement shall not be deemed to constitute a contract of
                  employment between the parties hereto, nor shall any provision
                  hereof restrict the right of the Bank to discharge the
                  Executive, or restrict the right of the Executive to terminate
                  employment. At all times, employment shall remain at-will and
                  either party may terminate the agreement with or without cause
                  and with or without notice.

         K.       EFFECTIVE DATE:

                  The Effective Date of the Plan shall be June 7, 2000.

         L.       PRESENT VALUE:

                  All present value calculations under this Agreement shall be
                  based on the following discount rate:

                  Discount Rate:    The discount rate as used in the FASB 87
                                    calculations for this Executive Plan.

         M.       CONTRADICTION IN TERMS OF AGREEMENT AND EXHIBITS:

                  If there is a contradiction in the terms of this agreement and
                  the exhibits attached hereto with the actual amount of said
                  benefit, then the actual amount of said benefit set forth in
                  the agreement shall control.

XII.     ERISA PROVISION

         A.       NAMED FIDUCIARY AND PLAN ADMINISTRATOR:

                  The "Named Fiduciary and Plan Administrator" of this Executive
                  Plan shall be Clovis Community Bank until its resignation or
                  removal by the Board. As Named Fiduciary and Plan
                  Administrator, the Bank shall be responsible for the
                  management, control and administration of the Executive Plan.
                  The Named Fiduciary may delegate to others certain aspects of
                  the management and operation responsibilities of the Executive
                  Plan including the employment of advisors and the delegation
                  of ministerial duties to qualified individuals.

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         B.       CLAIMS PROCEDURE AND ARBITRATION:

                  In the event a dispute arises over benefits under this
                  Executive Plan and benefits are not paid to the Executive (or
                  to the Executive's beneficiary(ies) in the case of the
                  Executive's death) and such claimants feel they are entitled
                  to receive such benefits, then a written claim must be made to
                  the Named Fiduciary and Plan Administrator named above within
                  sixty (60) days from the date payments are refused. The Named
                  Fiduciary and Plan Administrator shall review the written
                  claim and if the claim is denied, in whole or in part, they
                  shall provide in writing within sixty (60) days of receipt of
                  such claim its specific reasons for such denial, reference to
                  the provisions of this Executive Plan upon which the denial is
                  based and any additional material or information necessary to
                  perfect the claim. Such written notice shall further indicate
                  the additional steps to be taken by claimants if a further
                  review of the claim denial is desired. A claim shall be deemed
                  denied if the Named Fiduciary and Plan Administrator fail to
                  take any action within the aforesaid sixty-day period.

                  If claimants desire a second review they shall notify the
                  Named Fiduciary and Plan Administrator in writing within sixty
                  (60) days of the first claim denial. Claimants may review this
                  Executive Plan or any documents relating thereto and submit
                  any written issues and comments it may feel appropriate. In
                  their sole discretion, the Named Fiduciary and Plan
                  Administrator shall then review the second claim and provide a
                  written decision within sixty (60) days of receipt of such
                  claim. This decision shall likewise state the specific reasons
                  for the decision and shall include reference to specific
                  provisions of the Plan Agreement upon which the decision is
                  based.

                  If claimants continue to dispute the benefit denial based upon
                  completed performance of this Executive Plan or the meaning
                  and effect of the terms and conditions thereof, then claimants
                  may submit the dispute to an Arbitrator for final arbitration.
                  The Arbitrator shall be selected by mutual agreement of the
                  Bank and the claimants. The Arbitrator shall operate under any
                  generally recognized set of arbitration rules. The parties
                  hereto agree that they and their heirs, personal
                  representatives, successors and assigns shall be bound by the
                  decision of such Arbitrator with respect to any controversy
                  properly submitted to it for determination.

                  Where a dispute arises as to the Bank's discharge of the
                  Executive for "cause", such dispute shall likewise be
                  submitted to arbitration as above-described and the parties
                  hereto agree to be bound by the decision thereunder.

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XIII.    TERMINATION OR MODIFICATION OF AGREEMENT BY REASON
         OF CHANGES IN THE LAW, RULES OR REGULATIONS

         The Bank is entering into this Agreement upon the assumption that
         certain existing tax laws, rules and regulations will continue in
         effect in their current form. If any said assumptions should change and
         said change has a detrimental effect on this Executive Plan, then the
         Bank reserves the right to terminate or modify this Agreement
         accordingly. Upon a Change of Control (Paragraph IX), this paragraph
         shall become null and void effective immediately upon said Change of
         Control.

XIV.     EXCESS PARACHUTE PAYMENTS

         Notwithstanding any provision of this Agreement to the contrary, if any
         benefit payment or portion of any benefit payment under this Agreement
         shall be a non deductible expense to the Bank by reason of Section 280G
         of the Code the Bank shall be entitled to, at its option, reduce the
         benefits to be paid under this Agreement to the extent necessary to
         avoid the application of 280G of the Code to such payment. This
         provision can be applied to reduce the benefits under this Agreement to
         zero, if necessary and so elected by the Bank.

XV.      COMPETITION AFTER TERMINATION OF EMPLOYMENT

         The Bank shall not pay any benefit under this Agreement if the
         Executive, without the prior written consent of the Bank, engages in,
         becomes interested in, directly or indirectly, as a sole proprietor, as
         a partner in a partnership, or as a substantial shareholder in a
         corporation, or becomes associated with, in the capacity of employee,
         director, officer, principal, agent, trustee or in any other capacity
         whatsoever, any enterprise conducted in the trading area (a 50 mile
         radius) of the business of the Bank, which enterprise is, or may deemed
         to be, competitive with any business carried on by the Bank as of the
         date of termination of the Executive's employment or his retirement.
         This section shall not apply following a Change of Control.

         IN WITNESS WHEREOF, the parties hereto acknowledge that each has
carefully read this Agreement and executed the original thereof on the 7th day
of June, 2000 and that, upon execution, each has received a conforming copy.

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                                        CLOVIS COMMUNITY BANK
                                        Clovis, California

/s/ Janice H. Neary                By:  /s/ Daniel J. Doyle
----------------------------           -------------------------------------
Witness                                Daniel J. Doyle
                                       President and Chief Executive Officer

/s/ Janice H. Neary                        /s/ Tom Sommer
----------------------------           -------------------------------------
Witness                                Tom Sommer

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                          BENEFICIARY DESIGNATION FORM
                      FOR THE EXECUTIVE SALARY CONTINUATION
                                    AGREEMENT

PRIMARY DESIGNATION:

         NAME                       ADDRESS                    RELATIONSHIP
         ----                       -------                    ------------

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SECONDARY (CONTINGENT) DESIGNATION:

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All sums payable under the Executive Salary Continuation Agreement by reason of
my death shall be paid to the Primary Beneficiary, if he or she survives me, and
if no Primary Beneficiary shall survive me, then to the Secondary (Contingent)
Beneficiary.

----------------------------------                         --------------------
Tom Sommer                                                 Date

                                       13<PAGE>

                                                                   Exhibit 10.23

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               COPYRIGHT 1996 BANK COMPENSATION STRATEGIES GROUP

THIS DOCUMENT IS PROVIDED TO ASSIST YOUR LEGAL COUNSEL IN DOCUMENTING YOUR
SPECIFIC ARRANGEMENT. IT IS NOT A FORM TO BE SIGNED, NOR IS IT TO BE CONSTRUED
AS LEGAL ADVICE. FAILURE TO ACCURATELY DOCUMENT YOUR ARRANGEMENT COULD RESULT IN
SIGNIFICANT LOSSES, WHETHER FROM CLAIMS OF THOSE PARTICIPATING IN THE
ARRANGEMENT, FROM THE HEIRS AND BENEFICIARIES OF PARTICIPANTS, OR FROM
REGULATORY AGENCIES SUCH AS THE INTERNAL REVENUE SERVICE AND THE DEPARTMENT OF
LABOR. LICENSE IS HEREBY GRANTED TO YOUR LEGAL COUNSEL TO USE THESE MATERIALS IN
DOCUMENTING SOLELY YOUR ARRANGEMENT.

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                              CLOVIS COMMUNITY BANK
                              AMENDED AND RESTATED
                             DEFERRED FEE AGREEMENT

       THIS AGREEMENT is entered into this 14th day of November, 1996 by and
between CLOVIS COMMUNITY BANK, a California corporation located in Clovis,
California (the "Company"), and DANIEL N. CUNNINGHAM (the "Director").

                                  INTRODUCTION

       To encourage the Director to remain a member of the Company's Board of
Directors, the Company and the Director entered into a Deferred Fee Agreement on
November 1, 1993 (the "prior Agreement"). This Agreement is an amendment and
restatement of the Prior Agreement. Amounts deferred under the previous
agreement will be "rolled over" and covered under this Agreement. The Company
will pay the benefits from its general assets.

                                    AGREEMENT

<PAGE>

       The Director and the Company agree as follows:

                                    ARTICLE 1

                                   DEFINITIONS

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

              1.1.1 "CHANGE OF CONTROL" means the transfer of shares of the
       Company's voting common stock such that one person acquires (or is deemed
       to acquire under Section 318 of the Code) 51% or more of the Company's
       outstanding voting common stock followed within twelve (12) months by the
       termination of the Director's status as a member of the Company's Board
       of Directors.

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

              1.1.3 "DISABILITY" means the Director's inability to perform
       substantially all normal duties of a director, as determined by the
       Company's Board of Directors in its sole discretion. As a condition to
       any benefits, the Company may require the Director to submit to such
       physical or mental evaluations and tests as the Board of Directors deems
       appropriate.

              1.1.4 "DISTRIBUTION DATE" means November 1, 2003, which is 10
       years subsequent to the date of the Prior Agreement..

              1.1.5 "ELECTION FORM" means the Form attached as Exhibit A.

<PAGE>

              1.1.6 "FEES" means the total directors fees payable to the
       Director.

              1.1.7 "TERMINATION OF SERVICE" means the Director's ceasing to be
       a member of the Company's Board of Directors for any reason whatsoever.

              1.1.8 "PROJECTED BENEFIT" means the amount that would have been
       deemed credited to the Director's Deferral Account balance as of the
       Distribution Date had the Director continued to defer fees in the same
       amount as was previously deferred. Also, it presumes that interest is
       credited to the Director's Deferral Account including the assumed
       deferrals up to the Distribution Date.

                                    ARTICLE 2

                                DEFERRAL ELECTION

       2.1 INITIAL ELECTION. The Director made an initial deferral election
under the Prior Agreement by filing with the Company a signed Election Form
within fifteen (15) days after November 1, 1993. The Election Form set forth the
Fees to be deferred and the form of benefit payment on the Distribution Date.
The Election Form was effective to defer only Fees earned after the date the
Election Form is received by the Company. Such Initial Election (or any
subsequent election under Section 2.2 that is in effect) shall continue in
effect with this Agreement.

       2.2 ELECTION CHANGES

              2.2.1 GENERALLY. The Director may modify the amount of Fees to be
       deferred by filing a subsequent signed Election Form with the Company and
       obtaining written approval by the Board of Directors of the Company. The
       modified deferral shall not be effective until the calendar year
       following the year in which the subsequent Election Form

<PAGE>

       is received by the Company. The Director may not change the form of
       benefit payment initially elected under Section 2.1 without the written
       approval of the Board of Directors of the Company.

               2.2.2 HARDSHIP. If an unforeseeable financial emergency arising
      from the death of a family member, divorce, sickness, injury, catastrophe
      or similar event outside the control of the Director occurs, the Director,
      by written instructions to the Company may reduce future deferrals under
      this Agreement.

                                    ARTICLE 3

                                DEFERRAL ACCOUNT

       3.1 ESTABLISHING AND CREDITING. The Company shall continue to credit the
Deferral Account established under the Prior Agreement on its books for the
Director, and shall credit to the Deferral Account the following amounts:

              3.1.1 DEFERRALS. The Fees deferred by the Director as of the time
       the Fees would have otherwise been paid to the Director.

              3.1.2 INTEREST. On each anniversary of the date of this Agreement
       and immediately prior to the payment of any benefits, but only until
       commencement of the benefit payments under this Agreement, interest on
       the account balance since the preceding credit under this Section 3.1.2,
       if any, equal to the rate determined by the Company's Board of Directors,
       in its sole discretion.

       3.2 STATEMENT OF ACCOUNTS. The Company shall provide to the Director,
within one hundred twenty (120) days after each anniversary of this Agreement, a
statement setting forth the Deferral Account balance.

<PAGE>

       3.3 ACCOUNTING DEVICE ONLY. The Deferral Account is solely a device for
measuring amounts to be paid under this Agreement. The Deferral Account is not a
segregated fund of any kind. The Director is a general unsecured creditor of the
Company for the payment of benefits. The benefits represent the mere Company
promise to pay such benefits. The Director's rights are not subject in any
manner to anticipation, alienation, sale, transfer, assignment, pledge,
encumbrance, attachment, or garnishment by the Director's creditors.

                                    ARTICLE 4

                                LIFETIME BENEFITS

       4.1 NORMAL BENEFIT. Upon the Distribution Date, the Company shall pay to
the Director the benefit described in this Section 4.1.

              4.1.1 AMOUNT OF BENEFIT. The benefit under this Section 4.1 is the
       Deferral Account balance at the Distribution Date.

              4.1.2 PAYMENT OF BENEFIT. The Company shall pay the benefit to the
       Director in the form elected by the Director on the Election Form.

       4.2 EARLY TERMINATION BENEFIT. If the Director terminates service as a
director before the Distribution Date, and for reasons other than death or
Disability, the Company shall pay to the Director the benefit described in this
Section 4.2.

              4.2.1 AMOUNT OF BENEFIT. The benefit under this Section 4.2 is the
       Deferral Account balance at the Director's Termination of Service.

              4.2.2 PAYMENT OF BENEFIT. The Company shall pay the benefit to the
       Director in a lump sum within forty-five (45) days after the Director's
       Termination of Service.

<PAGE>

       4.3 DISABILITY BENEFIT. If the Director terminates service as a director
for Disability prior to the Distribution Date, the Company shall pay to the
Director the benefit described in this Section 4.3.

              4.3.1 AMOUNT OF BENEFIT. The benefit under this Section 4.3 is the
       Deferral Account balance at the Director's Termination of Service.

              4.3.2 PAYMENT OF BENEFIT. The Company shall pay the benefit to the
       Director in the form elected by the Director on the Election Form within
       thirty (30) days after the Director's Termination of Service.

       4.4 CHANGE OF CONTROL BENEFIT. Upon a Change of Control while the
Director is in the active service of the Company, the Company shall pay to the
Director the benefit described in this Section 4.4 in lieu of any other benefit
under this Agreement.

              4.4.1 AMOUNT OF BENEFIT. The benefit under this Section 4.4 is the
       Deferral Account balance at the date of the Director's Termination of
       Service.

              4.4.2 PAYMENT OF BENEFIT. The Company shall pay the benefit to the
       Director in a lump sum within thirty (30) days after the Director's
       Termination of Service.

       4.5 HARDSHIP DISTRIBUTION. Upon the Company's determination (following
petition by the Director) that the Director has suffered an unforeseeable
financial emergency as described in Section 2.2.2, the Company shall distribute
to the Director all or a portion of the Deferral Account balance as determined
by the Company, but in no event shall the distribution be greater than is
necessary to relieve the financial hardship.

<PAGE>

                                    ARTICLE 5

                                 DEATH BENEFITS

       5.1 DEATH DURING ACTIVE SERVICE. If the Director dies while in the active
service of the Company and prior to the commencement of benefit payments under
this Agreement, the Company shall pay to the Director's beneficiary the benefit
described in this Section 5.1.

              5.1.1 AMOUNT OF BENEFIT. The benefit under Section 5.1 is the
       greater of:

                     5.1.1.1 The Director's Projected Benefit less the
              Director's Deferral Account balance accrued under the Clovest
              Corporation Deferred Agreement for Daniel N. Cunningham dated
              __________, 1996, as amended; or

                     5.1.1.2 The Director's Deferral Account balance at the
              Director's date of death

       The initial Projected Benefit is $205,910. The Director's Projected
       Benefit may be modified from time to time by resolution of the Board
       of Directors.

              5.1.2 PAYMENT OF BENEFIT. The Company shall pay the benefit to the
       beneficiary in one hundred twenty (120) equal monthly installments
       commencing on the first day of the month following the Director's Death.

       5.2 DEATH DURING BENEFIT PERIOD. If the Director dies after benefit
payments have commenced under this Agreement but before receiving all such
payments, the Company shall pay the remaining benefits to the Director's
beneficiary at the same time and in the same amounts they would have been paid
to the Director had the Director survived.

<PAGE>

                                    ARTICLE 6

                                  BENEFICIARIES

       6.1 BENEFICIARY DESIGNATIONS. The Director shall designate a beneficiary
by filing a written designation with the Company. The Director may revoke or
modify the designation at any time by filing a new designation. However,
designations will only be effective if signed by the Director and accepted by
the Company during the Director's lifetime. The Director's beneficiary
designation shall be deemed automatically revoked if the beneficiary predeceases
the Director, or if the Director names a spouse as beneficiary and the marriage
is subsequently dissolved. If the Director dies without a valid beneficiary
designation, all payments shall be made to the Director's surviving spouse, if
any, and if none, to the Director's surviving children and the descendants of
any deceased child by right of representation, and if no children or descendants
survive, to the Director's estate.

       6.2 FACILITY OF PAYMENT. If a benefit is payable to a minor, to a person
declared incompetent, or to a person incapable of handling the disposition of
his or her property, the Company may pay such benefit to the guardian, legal
representative or person having the care or custody of such minor, incompetent
person or incapable person. The Company may require proof of incompetency,
minority or guardianship as it may deem appropriate prior to distribution of the
benefit. Such distribution shall completely discharge the Company from all
liability with respect to such benefit.

                                    ARTICLE 7

                               GENERAL LIMITATIONS

      7.1 INSURANCE. The Company may acquire an insurance policy on the life of
the Director. The Company will be the owner and beneficiary of the policy. The
Director will have no interest in or right to the policy.

<PAGE>

       7.2 SUICIDE. If the Director commits suicide within two years after the
date of this Agreement, or if the Director has made any misstatement of fact on
the application for life insurance purchased by the Company, the Company shall
pay only the Deferral Account balance as of the date of death of the Director
notwithstanding any provision of this Agreement to the contrary.

       7.3 GENERAL. Notwithstanding anything to the contrary contained in this
Agreement, the Director is entitled to only one benefit which shall be
determined by the first event to occur which is dealt with by this Agreement.
Subsequent occurrence of events dealt with by this Agreement shall not entitle
the Director or his or her beneficiaries to other or further benefits under this
Agreement.

       7.4 TAX CONSEQUENCES. The Company does not insure or guarantee the tax
consequences of payments provided hereunder for matters beyond its control, and
the Director certifies that his decision to reduce and defer to receive his
compensation is not due to any reliance upon financial, tax or legal advice
given by the Company, and of its employees, agents, accountants or legal
advisors.

                                    ARTICLE 8

                          CLAIMS AND REVIEW PROCEDURES

       8.1 CLAIMS PROCEDURE. The Company shall notify the Director's beneficiary
in writing, within ninety (90) days of his or her written application for
benefits, of his or her eligibility or noneligibility for benefits under the
Agreement. If the Company determines that the beneficiary is not eligible for
benefits or full benefits, the notice shall set forth (1) the specific reasons
for such denial, (2) a specific reference to the provisions of the Agreement on
which

<PAGE>

the denial is based, (3) a description of any additional information or material
necessary for the claimant to perfect his or her claim, and a description of why
it is needed, and (4) an explanation of the Agreement's claims review procedure
and other appropriate information as to the steps to be taken if the beneficiary
wishes to have the claim reviewed. If the Company determines that there are
special circumstances requiring additional time to make a decision, the Company
shall notify the beneficiary of the special circumstances and the date by which
a decision is expected to be made, and may extend the time for up to an
additional ninety-day period.

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

                                    ARTICLE 9
                           AMENDMENTS AND TERMINATION

<PAGE>

       The Company may amend or terminate this Agreement at any time prior to
the Director's Termination of Service by written notice to the Director. In no
event shall this Agreement be terminated without payment to the Director of the
Deferral Account balance attributable to the Director's deferrals and interest
credited on such amounts.

                                   ARTICLE 10

                                  MISCELLANEOUS

       10.1 BINDING EFFECT. This Agreement shall bind the Director and the
Company, and their beneficiaries, successors and assigns, survivors, executors,
administrators and transferees.

       10.2 NO GUARANTY OF SERVICE. This Agreement is not a contract for
services. It does not give the Director the right to remain a director of the
Company, nor does it interfere with the shareholders' rights to replace the
Director. It also does not require the Director to remain a director nor
interfere with the Director's right to terminate services at any time.

       10.3 NON-TRANSFERABILITY. Benefits under this Agreement cannot be sold,
transferred, assigned, pledged, attached or encumbered in any manner.

       10.4 TAX WITHHOLDING. The Company shall withhold any taxes that are
required to be withheld from the benefits provided under this Agreement.

       10.5 APPLICABLE LAW. The Agreement and all rights hereunder shall be
governed by the laws of California except to the extent preempted by the laws of
the United States of America.

       10.6 UNFUNDED ARRANGEMENT. The Director and beneficiary are general
unsecured creditors of the Company for the payment of benefits under this
Agreement. The benefits

<PAGE>

represent the mere promise by the Company to pay such benefits. The rights to
benefits are not subject in any manner to anticipation, alienation, sale,
transfer, assignment, pledge, encumbrance, attachment, or garnishment by
creditors. Any insurance on the Director's life is a general asset of the
Company to which the Director and beneficiary have no preferred or secured
claim.

       10.7 ENTIRE AGREEMENT. This Agreement constitutes the entire agreement
between the Company and the Director as to the subject matter hereof. No rights
are granted to the Director by virtue of this Agreement other than those
specifically set forth herein.

       10.8 ADMINISTRATION. The Company shall have powers which are necessary to
administer this Agreement, including but not limited to:

              10.8.1 Interpreting the provisions of the Agreement;

              10.8.2 Establishing and revising the method of accounting for the
       Agreement;

              10.8.3 Maintaining a record of benefit payments; and

              10.8.4 Establishing rules and prescribing any forms necessary or
       desirable to administer the Agreement.

       IN WITNESS WHEREOF, the Director and a duly authorized Company officer
have signed this Agreement.

DIRECTOR:                                            COMPANY:
                                                     CLOVIS COMMUNITY BANK

<PAGE>

/s/ DANIEL N. CUNNINGHAM                             BY  /s/  DONALD H. BRUEGMAN
-----------------------------                           ------------------------
DANIEL N. CUNNINGHAM                                          DONALD H. BRUEGMAN
                                                     TITLE: PRESIDENT

                                                     and

                                                     BY  /s/  RONA MELKUS
                                                       -------------------------
                                                              RONA MELKUS
                                                     TITLE: VICE PRESIDENT

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