Document:

Prepared by MerrillDirect

EXHIBIT 10.19

SECOND AMENDMENT TO

EMPLOYMENT AGREEMENT

Effective Date:  July 13, 2001

             This
Second Amendment to the Employment Agreement (the “Second Amendment”) is
entered into as of the date all necessary regulatory approvals are received by
and between BYL BANK GROUP, a California banking corporation, with its
headquarters office located at 1875 North Tustin Street, Orange, California
(“Bank”), and Barry J. Moore, residing at 1910 Sandalwood, Fullerton,
California (“Employee”).

RECITALS

             A.         The Bank and Employee previously
entered into an Employment Agreement dated November 28, 1995 (the “Employment
Agreement”) that specified the terms of Employee’s employment by Bank as its
Senior Executive Vice President and Chief Operating Officer;

             B.          Following receipt of all necessary
regulatory consents, the Bank and Employee entered into the First Amendment
dated December 20, 2000 in order to provide for constructive termination
provisions and other provisions if the proposed acquisition of BYL Bancorp
(“BYL”) and the Bank by PBOC Holdings, Inc. (“PBOC”) and People’s Bank of
California (“People’s”) consummates.

             C.          The acquisition was terminated on May
2, 2001, and as a result, the First Amendment to Employee’s employment
agreement did not become effective.

             D.         Upon receipt of all necessary
regulatory approvals, the Board of Directors of the Bank and Employee desire to
further amend Employee’s employment agreement to provide for constructive
termination provisions and other provisions, as described herein.

             NOW,
THEREFORE, on the basis of foregoing facts and in consideration of the mutual
covenants and agreements contained herein, the parties hereto agree as follows:

             1.          The
first paragraph in Section 1(a) is hereby amended in full as follows:

	 	(a)	Subject to the provisions below, the Bank agrees to
  continue to employ Employee, and Employee agrees to be employed by the Bank,
  subject to the terms and conditions of this Agreement for the period ending
  on March 31, 2002.

 

             2.          The
first paragraph in Section 1(b) is hereby amended in full as follows:

	 	(b)	Subject to the notice provisions set forth in this
  paragraph, the term of this Agreement shall automatically be extended for one
  (1) additional year on April 1 of each calendar year after the expiration of
  the term described in Paragraph 1(a). 
  The term shall not be automatically extended as provided in this
  paragraph if either party shall give written notice to the other, on or
  before December 31 of each year that the Agreement shall not be automatically
  renewed on the next April 1.  In the
  event either party shall give the other written notice as provided in this
  paragraph, the term of this Agreement shall thereafter terminate on the
  agreement termination date.

             3.          The second paragraph in Section 9.(b)
is hereby amended in full as follows:

“However,
if Employee’s employment is terminated by the Bank or the Bank’s successor
pursuant to this Section 9 within 12 months as a result of the consummation of
a plan of dissolution or liquidation of the Bank, or consummation of a plan or
reorganization, merger or consolidation of the Bank with one or more
corporations or associations, as a result of which the Bank is not the
surviving corporation, or upon the sale of all or substantially all of the
assets of the Bank to another corporation, or the acquisition of stock
representing more than 50% of the voting power of the Bank by another
corporation or person (the above transaction collectively referred to as
“Change of Control”), or the Employee terminates employment with the Bank or the
Bank’s successor for “Good Reason” within 12 months following a Change of
Control as described above, the Bank or the Bank’s successor shall pay to
Employee on the effective date of termination an amount equal to twenty-four
(24) months of base salary, auto allowance, vacation pay, and insurance
benefits, as severance pay in lieu of and in substitution for any other claims
for salary and continued benefits hereunder (based on Employee’s base salary
and benefits prevailing at the time of termination).  Such severance payment shall be in addition to all sums owing to
Employee as accrued vacation pay.

Following
a Change of Control, “Good Reason” shall mean the following:

	 	(i)	Without
  the Executive's express written consent, the failure to elect or to re-elect
  or to appoint or to re-appoint the Executive to the Executive's current or
  comparable office of the Bank, or a material adverse change made by the Bank
  in the Executive's functions, duties or responsibilities as Senior Executive
  Vice President and Chief Operating Officer of the Bank;
	 	(ii)	Without
  Executive's express written consent, a reduction by either of the Bank in the
  Executive's base salary, bonus or other benefits as the same may be increased
  from time to time;
	 	(iii)	The
  location of the Executive's office shall be more than a 35 mile radius from
  the location of the Bank's current principal executive office, except for
  required travel on business of the Bank to an extent substantially consistent
  with the Executive's present business travel obligations;
	 	(iv)	Any
  purported termination of the Executive's employment for disability which is
  not effected pursuant to a Notice of Termination satisfying the requirements
  of paragraph 10; or
	 	(v)	The
  failure by any acquiror of BYL and/or the Bank to obtain the assumption of
  and agreement to perform this Agreement by any successor of any acquiror of
  BYL and/or the Bank.”

             4.          Capitalized terms used herein and not
otherwise defined shall have the same meaning as set forth in the Employment
Agreement.

             5.          This Second Amendment may be entered
into in one or more counterparts, all of which shall be considered one in the
same instrument, and it shall become effective when one or more counterparts
have been signed by each of the Bank and the Employee and delivered to the
other Party, it being understood that all Parties need not sign the same
counterpart.

             6.          Except as herein amended, the
Employment Agreement shall remain in full force and effect.

             7.          This Second Amendment shall be
governed by and construed in accordance with the laws of the State of
California.

             8.          The
terms and conditions of this Second Amendment are subject to the approval of
any necessary regulatory agency.

             IN
WITNESS WHEREOF, the Bank has caused this Second Amendment to be executed by
its duly authorized officers, and Employee has executed this Agreement to be
effective as of the day and year written above.

	BANK:	BYL
  BANK GROUP
	 	 
	 	By:	/s/
  H. Rhoads Martin
	 	 	

	 	 	H.
  Rhoads Martin
	 	 	Chairman
  of the Board
	 	 	 
	 	 	 
	EMPLOYEE:	/s/
  Barry J. Moore
	 	

	 	Barry
  J. MoorePrepared by MerrillDirect

EXHIBIT 10.20

SECOND AMENDMENT TO

EMPLOYMENT AGREEMENT

Effective Date:  July 13, 2001

          This Second Amendment to the Employment
Agreement (the “Second Amendment”) is entered into as of the date all necessary
regulatory approvals are received by and between BYL BANK GROUP, a California
banking corporation, with its headquarters office located at 1875 North Tustin
Street, Orange, California (“Bank”), and Michael H. Mullarky, residing at 53 Hancock
Street, Laguna Niguel, CA (“Employee”).

RECITALS

             A.         The Bank and Employee previously
entered into an Employment Agreement dated November 28, 1995 (the “Employment
Agreement”) that specified the terms of Employee’s employment by Bank as its
Executive Vice President and Chief Credit Officer;

             B.          Following receipt of all necessary
regulatory consents, the Bank and Employee entered into the First Amendment
dated December 20, 2000 in order to provide for constructive termination
provisions and other provisions if the proposed acquisition of BYL Bancorp
(“BYL”) and the Bank by PBOC Holdings, Inc. (“PBOC”) and People’s Bank of
California (“People’s”) consummates.

             C.          The acquisition was terminated on May
2, 2001, and as a result, the First Amendment to Employee’s employment
agreement did not become effective.

             D.         Upon receipt of all necessary
regulatory approvals, the Board of Directors of the Bank and Employee desire to
further amend Employee’s employment agreement to provide for constructive
termination provisions and other provisions, as described herein.

             NOW,
THEREFORE, on the basis of foregoing facts and in consideration of the mutual
covenants and agreements contained herein, the parties hereto agree as follows:

             1.          The
first paragraph in Section 1(a) is hereby amended in full as follows:

	 	(a)	Subject to the provisions below, the Bank agrees to
  continue to employ Employee, and Employee agrees to be employed by the Bank,
  subject to the terms and conditions of this Agreement for the period ending
  on March 31, 2002.

 

             2.          The
first paragraph in Section 1(b) is hereby amended in full as follows:

	 	(b)	Subject to the notice provisions set forth in this
  paragraph, the term of this Agreement shall automatically be extended for one
  (1) additional year on April 1 of each calendar year after the expiration of
  the term described in Paragraph 1(a). 
  The term shall not be automatically extended as provided in this
  paragraph if either party shall give written notice to the other, on or
  before December 31 of each year that the Agreement shall not be automatically
  renewed on the next April 1.  In the
  event either party shall give the other written notice as provided in this
  paragraph, the term of this Agreement shall thereafter terminate on the
  agreement termination date.

             3.          The second paragraph in Section 9.(b)
is hereby amended in full as follows:

“However,
if Employee’s employment is terminated by the Bank or the Bank’s successor
pursuant to this Section 9 within 12 months as a result of the consummation of
a plan of dissolution or liquidation of the Bank, or consummation of a plan or reorganization,
merger or consolidation of the Bank with one or more corporations or
associations, as a result of which the Bank is not the surviving corporation,
or upon the sale of all or substantially all of the assets of the Bank to
another corporation, or the acquisition of stock representing more than 50% of
the voting power of the Bank by another corporation or person (the above
transaction collectively referred to as “Change of Control”), or the Employee
terminates employment with the Bank or the Bank’s successor for “Good Reason”
within 12 months following a Change of Control as described above, the Bank or
the Bank’s successor shall pay to Employee on the effective date of termination
an amount equal to twenty-four (24) months of base salary, auto allowance,
vacation pay, and insurance benefits, as severance pay in lieu of and in
substitution for any other claims for salary and continued benefits hereunder
(based on Employee’s base salary and benefits prevailing at the time of
termination).  Such severance payment
shall be in addition to all sums owing to Employee as accrued vacation pay.

Following
a Change of Control, “Good Reason” shall mean the following:

	 	(i)	Without
  the Executive's express written consent, the failure to elect or to re-elect
  or to appoint or to re-appoint the Executive to the Executive's current or
  comparable office of the Bank, or a material adverse change made by the Bank
  in the Executive's functions, duties or responsibilities as Executive Vice
  President and Chief Credit Officer;
	 	 	 
	 	(ii)	Without
  Executive's express written consent, a reduction by either of the Bank in the
  Executive's base salary, bonus or other benefits as the same may be increased
  from time to time;
	 	 	 
	 	(iii)	The
  location of the Executive's office shall be more than a 35 mile radius from
  the location of the Bank's current principal executive office, except for
  required travel on business of the Bank to an extent substantially consistent
  with the Executive's present business travel obligations;
	 	 	 
	 	(iv)	Any
  purported termination of the Executive's employment for disability which is
  not effected pursuant to a Notice of Termination satisfying the requirements
  of paragraph 10; or
	 	 	 
	 	(v)	The
  failure by any acquiror of BYL and/or the Bank to obtain the assumption of
  and agreement to perform this Agreement by any successor of any acquiror of
  BYL and/or the Bank.”

             4.          Capitalized terms used herein and not
otherwise defined shall have the same meaning as set forth in the Employment
Agreement.

             5.          This Second Amendment may be entered
into in one or more counterparts, all of which shall be considered one in the
same instrument, and it shall become effective when one or more counterparts
have been signed by each of the Bank and the Employee and delivered to the other
Party, it being understood that all Parties need not sign the same counterpart.

             6.          Except as herein amended, the
Employment Agreement shall remain in full force and effect.

             7.          This Second Amendment shall be
governed by and construed in accordance with the laws of the State of
California.

             8.          The
terms and conditions of this Second Amendment are subject to the approval of
any necessary regulatory agency.

             IN
WITNESS WHEREOF, the Bank has caused this Second Amendment to be executed by
its duly authorized officers, and Employee has executed this Agreement to be
effective as of the day and year written above.

	BANK:	BYL
  BANK GROUP
	 	 
	 	 
	 	By:  	/s/
  H. Rhoads Martin
	 	 	

	 
	 	 	H.
  Rhoads Martin
	 	 	Chairman
  of the Board
	 	 	 
	 	 	 
	EMPLOYEE:	/s/
  Michael H. Mullarky	 
	 	

	 
	 	Michael
  H. Mullarky

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