Document:

EXHIBIT 4.5

                              MCB STATUTORY TRUST I
                            MCB FINANCIAL CORPORATION

                             SUBSCRIPTION AGREEMENT

                  THIS SUBSCRIPTION  AGREEMENT (this "Agreement") made among MCB
Statutory Trust I (the "Trust"), a statutory trust created under the Connecticut
Statutory  Trust  Act  (Chapter  615  of  Title  34 of the  Connecticut  General
Statutes,  Section  500,  ET seq.),  MCB  Financial  Corporation,  a  California
corporation,  with its  principal  offices  located  at 1248 Fifth  Avenue,  San
Rafael,  CA  94901  (the  "Company"  and,   collectively  with  the  Trust,  the
"Offerors"), and Preferred Term Securities, Ltd. (the "Purchaser").

                                    RECITALS:

                  A. The Trust  desires  to issue  3,000 of its  10.60%  Capital
Securities  (the "Capital  Securities"),  liquidation  amount $1,000 per Capital
Security,  representing  an undivided  beneficial  interest in the assets of the
Trust  (the  "Offering"),  to be issued  pursuant  to an  Amended  and  Restated
Declaration of Trust (the "Declaration") by and among the Company,  State Street
Bank and Trust Company of Connecticut,  National Association, the administrators
named  therein,  and the several  holders (as defined  therein),  which  Capital
Securities are to be guaranteed by the Company with respect to distributions and
payments upon liquidation,  redemption and otherwise  pursuant to the terms of a
Guarantee  Agreement between the Company and State Street Bank and Trust Company
of Connecticut, National Association, as trustee (the "Guarantee"); and

                  B. The proceeds from the sale of the Capital  Securities  will
be combined  with the proceeds  from the sale by the Trust to the Company of its
common  securities,  and will be used by the  Trust to  purchase  an  equivalent
amount of 10.60%  Junior  Subordinated  Deferrable  Interest  Debentures  of the
Company  (the "Debt  Securities")  to be issued by the  Company  pursuant  to an
indenture to be executed by the Company and State Street Bank and Trust  Company
of Connecticut, National Association, as trustee (the "Indenture"); and

                  C. In consideration  of the premises and the mutual  represen-
tations  and covenants  hereinafter set forth, the parties hereto agree as
follows:

                                   ARTICLE I

                     PURCHASE AND SALE OF CAPITAL SECURITIES

     1.1.  Upon the  execution of this  Subscription  Agreement,  the  Purchaser
hereby  agrees to purchase from the Trust 10.60%  Capital  Securities at a price
equal to $1,000 per Capital Security (the "Purchase Price") and the Trust agrees
to sell such Capital  Securities to the Purchaser for said Purchase  Price.  The
rights  and  preferences  of  the  Capital  Securities  are  set  forth  in  the
Declaration.  The Purchase  Price is payable in immediately  available  funds on
September 7, 2000 (the "Closing Date"). The Offerors shall provide the Purchaser
wire transfer instructions no later than 5 days prior to the Closing Date.

<PAGE>

     1.2. The certificate for the Capital  Securities  shall be delivered by the
Trust on the Closing Date to the Purchaser or its designee.

     1.3.  The  Agreement,  dated August 31, 2000 (the  "Placement  Agreement"),
among the Offerors and the Placement Agents identified  therein includes certain
representations and warranties,  covenants and conditions to closing and certain
other  matters  governing  the  Offering.  The  Placement  Agreement  is  hereby
incorporated  by  reference  into  this  Agreement  and the  Purchaser  shall be
entitled to all the benefits under the Placement Agreement and shall be entitled
to enforce such Placement Agreement as fully as if the Purchaser were a party to
such Placement Agreement.

                                   ARTICLE II

                   REPRESENTATIONS AND WARRANTIES OF PURCHASER

     2.1. The Purchaser  understands and  acknowledges  that neither the Capital
Securities, the Debt Securities nor the Guarantee have been registered under the
Securities  Act of  1933,  as  amended  (the  "Securities  Act"),  or any  other
applicable  securities  law,  are  being  offered  for  sale  by  the  Trust  in
transactions not requiring registration under the Securities Act, and may not be
offered,  sold,  pledged or otherwise  transferred  by the  Purchaser  except in
compliance with the registration requirements of the Securities Act or any other
applicable  securities  laws,  pursuant  to  an  exemption  therefrom  or  in  a
transaction not subject thereto.

     2.2. The  Purchaser  represents,  warrants and  certifies  that it is not a
"U.S.  person" as such term is defined in Rule 902 under the  Securities Act and
that the offer and sale of Capital  Securities to the Purchaser  constitutes  an
"offshore transaction" under Regulation S of the Securities Act.

     2.3. The  Purchaser  represents  and  warrants  that it is  purchasing  the
Capital Securities for its own account, for investment,  and not with a view to,
or for offer or sale in connection with, any  distribution  thereof in violation
of the  Securities  Act or other  applicable  securities  laws,  subject  to any
requirement  of law that the  disposition of its property be at all times within
its  control  and  subject to its  ability  to resell  such  Capital  Securities
pursuant to an effective  registration  statement  under the  Securities  Act or
under Rule 144A or any other  exemption from  registration  available  under the
Securities Act or any other securities law.

     2.4. The Purchaser has full power and authority to execute and deliver this
Agreement,  to make the representations and warranties  specified herein, and to
consummate the transactions  contemplated herein and it has full right and power
to subscribe for Capital Securities and perform its obligations pursuant to this
Agreement.

                                  ARTICLE III

                                  MISCELLANEOUS

     3.1.  Any notice or other  communication  given  hereunder  shall be deemed
sufficient  if in writing  and sent by  registered  or  certified  mail,  return
receipt requested,  or delivered by hand against written receipt therefor, or by
facsimile  transmission and confirmed by telephone,  to the following addresses,
or such  other  address  as may be  furnished  to the  other  parties  as herein
provided:

                                       2

<PAGE>

                  To the Offerors:          MCB Financial Corporation
                                            1248 Fifth Avenue
                                            San Rafael, CA 94901
                                            Attention:  Pat Phelan
                                            Fax:  (415) 721-4808

                  To the Purchaser:         Preferred Term Securities, Ltd.
                                            c/o QSPV Limited
                                            P.O. Box 1093 GT
                                            Queensgate House
                                            South Church Street
                                            George Town, Grand Cayman
                                            Cayman Islands, British West Indies
                                            Attention: The Directors
                                            Fax:  (345) 945-7100

         Unless otherwise expressly provided herein,  notices shall be deemed to
have been  given on the date of  mailing,  except  notice of change of  address,
which shall be deemed to have been given when received.

     3.2 This  Agreement  shall not be changed,  modified or amended except by a
writing  signed by the  parties to be  charged,  and this  Agreement  may not be
discharged  except by performance  in accordance  with its terms or by a writing
signed by the party to be charged.

     3.3 Upon the  execution  and delivery of this  Agreement by the  Purchaser,
this Agreement  shall become a binding  obligation of the Purchaser with respect
to the purchase of Capital Securities as herein provided.

     3.4  NOTWITHSTANDING  THE PLACE WHERE THIS AGREEMENT MAY BE EXECUTED BY ANY
OF THE  PARTIES  HERETO,  THE  PARTIES  EXPRESSLY  AGREE  THAT ALL THE TERMS AND
PROVISIONS HEREOF SHALL BE CONSTRUED IN ACCORDANCE WITH AND GOVERNED BY THE LAWS
OF THE STATE OF NEW YORK, WITHOUT REGARD TO PRINCIPLES OF CONFLICTS OF LAW.

     3.5 The parties  agree to execute and deliver all such  further  documents,
agreements  and  instruments  and take such other and  further  action as may be
necessary or appropriate to carry out the purposes and intent of this Agreement.

     3.6 This  Agreement  may be  executed in one or more  counterparts  each of
which shall be deemed an original,  but all of which shall  together  constitute
one and the same instrument.

                    [SIGNATURES APPEAR ON THE FOLLOWING PAGE]

                                       3

<PAGE>

         IN WITNESS WHEREOF, I have set my hand this 7th day of September, 2000.

PREFERRED TERM SECURITIES, LTD.

By:
   -----------------------------------------------------------
Print Name:
            --------------------------------------------------
Title:
       -------------------------------------------------------

                  IN WITNESS WHEREOF,  this Subscription  Agreement is agreed to
and accepted as of September 7, 2000.

                            MCB FINANCIAL CORPORATION

                            By:
                               -------------------------------------------------

                            Name:
                                 -----------------------------------------------

                            Title:
                                  ----------------------------------------------

                            MCB STATUTORY TRUST I

                            By:
                               -------------------------------------------------

                            Name:
                                 -----------------------------------------------

                            Title:  Administrator

                                       4EXHIBIT 4.44

                                ADATOM.COM, INC.

                             SUBSCRIPTION TO SHARES
                             ----------------------

       The undersigned  hereby subscribes to 150,000 shares of the common stock,

par value $0.01,  (the "Shares"),  of ADATOM.COM,  INC., a Delaware  corporation

(the  "Corporation"),  and agrees to pay  therefor  the sum of $100,000  Dollars

($0.67) per share, payable in cash.

       The undersigned hereby warrants and  represents  to  and agrees with  the
Corporation that:
                         1.       The  undersigned is aware that the Shares have
                not been  registered  under either  federal or state  securities
                laws in reliance on certain exemptions contained therein.

                         2.       The undersigned is purchasing the Shares as an
                investment and not with a view to distribution or resale thereof

                         3. The  undersigned is aware of the kind of information
                that would be available in a registration  statement filed under
                the provisions of the Securities Act of 1933.

                         4. The  undersigned  has had access to the same kind of
                information  about the  Corporation  that would be  available in
                such a  registration  statement  and to  additional  information
                necessary to verify the accuracy of such information.

                         5. The undersigned has such knowledge and experience in
                financial and business  matters that the  undersigned is able to
                evaluate the merits and risks of this investment and to bear the
                economic risks of this investment.

                         6. The  undersigned  shall  indemnify and save harmless
                the   Corporation,   its   officers,    directors,    promoters,
                incorporator, employees and agents from any and all liabilities,
                claims,  demands,  suits or other proceedings arising out of any
                breach  or  alleged  breach  of  the  foregoing  warranties  and
                representations.

       The certificate  evidencing the Shares shall bear the following legend in
       conspicuous  type:

       THE SHARES REPRESENTED BY THIS CERTIFICATE HAVE NOT BEEN REGISTERED UNDER
       THE SECURITIES ACT OF 1933, AS AMENDED,  OR REGISTERED OR QUALIFIED UNDER
       ANY  STATE  SECURITIES  LAWS.  THE  SHARES  MAY NOT BE SOLD OR  OTHERWISE
       TRANSFERRED IN THE ABSENCE OF SUCH REGISTRATION OR QUALIFICATION  WITHOUT
       AN  OPINION  OF  COUNSEL   SATISFACTORY  TO  THE  CORPORATION  THAT  SUCH
       REGISTRATION OR QUALIFICATION IS NOT REQUIRED.

       The  Corporation  will  mail to  the  shareholder  a copy of the  express
terms of the shares  represented by this certificate,  and of the other class or
classes and series of shares,  if any,  which the  Corporation  is authorized to
issue,  without  charge,  within  five days after  receipt of a written  request
therefor.

                                      E-2

<PAGE>

       IN WITNESS WHEREOF,  the undersigned has hereunto subscribed  his name as

of this 14 day of September, 2000.

                                    JESUP AND LAMONT GROUP HOLDINGS, INC.
                                    ------------------------------------
                                    Printed Name of Subscriber

                                    /s/ HOWARD CURD
                                    ------------------------
                                    Signature of Subscriber

                                    Address:

                                    650 5TH AVE, 3RD FLOOR
                                    ------------------------
                                    NEW YORK   NY 10019
                                    ------------------------

                                    Social Security NO: 13-3605971
                                                        ----------

Both Parties hereby agree:

X Buyer will not sell shares for at least 6 months;

X Seller (Adatom) agrees to Unlimited Piggyback Rights

/s/ HOWARD CURD                       /s/ RICHARD S. BARTON
---------------                       ---------------------
    Howard Curd                           Richard S. Barton

                                      E-3

<PAGE>

         Subscriber has executed this Agreement as of the date written below.

SUBSCRIBER MUST COMPLETE THE FOLLOWING (PLEASE PRINT):

I.       PART I - GENERAL INFORMATION

Name of Subscriber (Print):
                           -----------------------------------------------------
Number of Shares subscribed for:    150,000 voting Shares

Total Subscription Price ($      x Number of Shares Subscribed for)  $
                           -----                                      ----------
         Minimum Purchase:          Shares ($        ) (subject to Company's
                            -------          --------
                                             right to accept lesser amount)

Form of Subscriber (check one):  Individual      Corporation  X    Trust
                                            ---              ---         ---

Other (specify):
                 ---------------------------------------------------------------

If an Entity, Names of Individual Equity Owners:
                                                 ----

--------------------------------------------------------------------------------

Address of Residence       SAME
                           ----
  (or entity's principal office)                     Street or P.O. Box Number

------------------------------------------------------------------------------
                  City                          State              Zip

Telephone number:  (       )
                    ------- -------------------------

Mailing address (if different):
                               -------------------------------------------------
                                           Street or P.O. Box Number

--------------------------------------------------------------------------------
                  City                          State              Zip

Attention:
           ---------------------------------------------------------------------

Social Security Number or
Tax Identification Number  13-3605971
                           -----------------------------------------------------

                                      E-4

<PAGE>

PART II - ACCREDITED INVESTOR REPRESENTATION

         Subscriber is an accredited  investor under Rule 501(a) of Regulation D
promulgated  under the  Securities  Act of 1933 (the  "Securities  Act") for the
following  reasons.  (Please  initial  each of the  statements  below  which are
applicable to Subscriber named above):

       _________  Subscriber is a natural person whose  individual net worth, or
joint  net worth  with that  person's  spouse at the time of  his/her  purchase,
exceeds $1,000,000.

       _________  Subscriber is a natural person who had an individual income in
excess of  $200,000 in each of the two most  recent  years or joint  income with
that  person's  spouse  in  excess of  $300,000  in each of those  years and who
reasonably expects the same or greater income level in the current year.

       _________  Subscriber is a bank, savings and loan association, registered
broker-dealer,   insurance  company,   investment   company,   private  business
development company, or licensed small business investment company.

       _________  Subscriber  is  an  employee  benefit  plan  established   and
maintained by a state, its political subdivision, or their agencies if such plan
has total assets in excess of $5,000,000.

       _________  Subscriber  is a  self-directed  employee  benefit or  pension
plan,  with  investment  decisions  made  solely by persons  who are  accredited
investors.

       _________  Subscriber  is  a  trust,  with  total  assets  in  excess  of
$5,000,000,  not formed for the purpose of  acquiring  the  Shares,  whose total
purchase is directed by a financially sophisticated person.

       _________  Subscriber is a director or executive officer of the Company.

       _________  Subscriber is a charitable or other organization  described in
501(c)(3) of the Internal  Revenue Code,  or any  corporation,  partnership,  or
business trust,  not formed for the purpose of acquiring the Shares,  with total
assets in excess of $5,000,000.

       ___X______ Subscriber is  an entity in which all of the equity owners are
accredited investors.

                                      E-5

<PAGE>

PART III - SIGNATURE

         To the best of my knowledge and belief, the above information  supplied
by me is true and  correct  in all  respects,  and I am aware  and  intend  that
Adatom.Com,  Inc., may rely upon such  information to determine the subscriber's
suitability as an investor in the Shares.

Date: September 14, 2000               /s/ HOWARD CURD
                                       ----------------------------------------
                                       Signature of Subscriber (indicate title,
                                       if applicable)

Date:                   , 2000
     ------------------                ----------------------------------------
                                       Signature of Subscriber (indicate title,
                                       if applicable)

                                      E-6

<PAGE>

                                   ACCEPTANCE

         The Company  hereby  accepts the foregoing  Subscription  as to 150,000
Shares as of the date set forth immediately below.

                                            ADATOM.COM, INC.

Date: September 14,  2000                   BY: /s/ RICHARD S. BARTON
                                            ------------------------------------

                                            Its:
                                                --------------------------------

                                      E-7

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