Document:

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                                                                   Exhibit 10.17

                              RETIREMENT AGREEMENT

PARTIES:                     (1)  DONALD H BRUEGMAN, hereinafter referred to
                                  as Employee;

                             (2)  CLOVIS COMMUNITY BANK, hereinafter
                                  referred to as Employer.

In exchange for the promises made by Employer contained in this Agreement,
Employee has agreed to retire from Employer's service on May 31, 1998 but will
receive full payment through December 31, 1998.

1.   EMPLOYEE RELEASE OF CLAIMS: Further, Employee represents he has not and
     agrees not to bring or maintain any proceedings against Employer, its
     agents, employees, officers or directors, under any grievance or
     arbitration procedure, with any court or administrative agency, or in any
     forum whatsoever, by reason of any change, claim, liability, or cause of
     action, against Employer based upon facts known or unknown which may have
     occurred on or before the effective date of Employee's retirement specified
     hereinabove. Employee waives any rights under California Civil Code Section
     1542 which states:

                  A general release does not extend to claims, which the
                  creditor does not know or suspect to exist in his favor at the
                  time of executing the release, which if known by him must have
                  materially affected his settlement with the debtor.

2.   AGE DISCRIMINATION IN EMPLOYMENT ACT WAIVER: Employee understands and
     agrees that this Agreement applies to any and all claims for age
     discrimination arising under state and federal law, including the federal
     Age Discrimination in Employment Act of 1967. Employee understands that he
     has until May 28, 1998, to sign this Agreement in consideration of payment
     of the separation pay. This date is at least twenty-one (21) days after an
     offer of separation pay was first made.

     Employee also understands that Employee has seven (7) days from the date
     this Agreement is signed in which to revoke this Agreement and that this
     Agreement will not become effective until seven (7) days after this
     Agreement is signed. If this Agreement is revoked by Employee, Employee
     agrees to promptly return the Employer the full amount of any separation
     pay received.

     Employee acknowledges that Employee has been advised to consult with an
     attorney before signing this Agreement.

3.   EMPLOYER'S PROMISES: In exchange for the promises of Employee contained in
     this Agreement, Employer agrees to:

                  (A) Record in Employee's personnel records a voluntary
                      retirement for personal reasons;

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                  (B) Pay separation pay in the amount of $75, 000. To the
                      extent permitted by law, the parties agree that Employee
                      may direct that this amount be paid as salary so he can
                      put any or all of it into his deferred compensation plan.
                      Employee shall receive the $75,000 payment within 30 days
                      of the execution of this Agreement unless he elects to
                      receive the $75,000 prior to December 31, 1998 under some
                      other payment schedule.

                  (C) Employee shall receive full pay for the months of June
                      1998 through December 1998. Employee shall receive all
                      accrued benefits and pay as required by law upon
                      retirement.

                  (D) Employer will continue to pay Employee's health insurance
                      and related life insurance premiums for 18 months
                      commencing July 1, 1998.

                  (E) Employer will assign clear title to Employee of the car
                      presently driven by Employee. The transfer of title to be
                      solely at Employer's expense.

                  (F) Employee agrees to assist the new CEO and President as
                      requested in customer and staff dealings on a basis to be
                      determined by the CEO and President. Employee to be paid
                      $300.00 per day for all time Employee is requested to
                      perform work by the CEO and President or make himself
                      available as requested by the CEO and President during the
                      period July 1, 1998 through December 31, 1998.

                  (G) Employer will transfer ownership of the life insurance
                      policy on Employee to Employee. Employee agrees to
                      reimburse Employer the amount of the cash surrender value,
                      if any, the policy has at the time of transfer.

4.   GERERAL TERMS: It is understood that this Agreement is a compromise
     settlement of all potential claims by Employee, and this Agreement
     expressly does not constitute an admission of liability on the part of
     Employer or an admission directly or by implication that Employer has
     violated any law, regulation, contractual right, or other obligation owed
     to Employee.

     To the extent documents are required to be executed by any of the parties
     to effectuate this Agreement, each party hereto agrees to execute and
     deliver such other and further documents as may be required to carry out
     the terms of this Agreement.

     Each party has had an opportunity to consult with counsel concerning the
     execution of this Agreement, and each party shall bear its own attorneys'
     fees, it any.

5.   PRESS RELEASES: Employer and Employee agree to cooperate in the issuance
     of joint press releases concerning Employee's retirement.

6.   FURTHER COOPERATION: The parties agree that they will further cooperate
     with each other to the extent permitted by law. For example, Employer is
     currently involved in litigation in which Employee could be a primary
     witness. Employee agrees to make himself available

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     as needed for Employer and Employer's counsel for purposes of that
     litigation and any other similar matter. In accordance with Labor code
     Section 2802, Employer agrees to continue to provide Employee with legal
     defense of actions brought against Employee that arose out of Employee's
     lawful and proper performance of his job duties.

7.   EMPLOYEE'S RETIREMENT FROM BOARD OF DIRECTIORS: Employee has agreed to
     retire from the Board of Directors and declines to be a nominee and will
     not seek re-election as a director of the Bank, at the May 28, 1998 annual
     stockholders meeting.

8.   ARBITRATION OF DISPUTES: Any disputes between the parties regarding this
     Agreement, the employment relationship that exists between the parties, or
     any other dispute between the parties, shall be resolved through binding
     arbitration. Any request for arbitration must be make 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 THEIR RIGHT TO A COURT TRIAL
     OR A JURY TRAIL.

9.   ENTIRE AGREEMENT: This Agreement contains the entire understanding of the
     parties with respect to the subject matter addressed herein. Any other oral
     or written agreements entered into by the parties prior to the date of this
     Agreement are revoked. No additions or modifications may be made to this
     Agreement except in a separate writing duly signed by both Employee and
     Employer.

10.  SEVERABILITY: In the event that any provision hereof shall be held to be
     invalid or unenforceable for any reason whatsoever, it is agreed such
     invalidity or unenforceability shall not affect any other provision of this
     Agreement and the remaining covenants, restrictions and provisions hereof
     shall remain in full force and effect and any court of competent
     jurisdiction may so modify the objectionable provision as to make it valid,
     reasonable and enforceable.

11.  PROTECTION OF TRADE SECRETS: Employee agrees that the names or addresses of
     any employees or customers of Employer, the details or provisions of
     employees or customers of Employer, the details or provisions of any
     written or oral contracts or understanding between Employer and any third
     party, potential business transactions, or the details of any financial or
     statistical data, marketing plans, business secrets, training manual,
     personnel records, employee data, form, technique, method or procedure of
     Employer, used by or made available to Employee in the course of employment
     and any other information constituting trade secrets or known as trade
     secrets, are confidential trade secrets of Employer. Employee agrees that
     he will not disclose directly or indirectly and such Employer trade
     secrets. Employee further agrees that Employee will return to Employer all
     documents of Employer, including any financial or statistical data,
     employee lists, customer lists, advertising and promotional materials,
     manuals and other books, papers documents or

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     data (including all copies thereof) belonging to or related to the
     business of Employer which Employee may have in his possession or under
     his control.

12.  NON-COMPETITION AFTER EMPLOYMENT: For a period of two years immediately
     after termination of Employee's employment with Employer, Employer will not
     interfere with Employer's business by soliciting an employee to leave
     Employer's employ, by inducing a consultant to sever the consultant's
     relationship with Employer, or by soliciting business from any of
     Employer's customers or clients. Except as provided herein, Employee may
     act as a consultant to or be an employee of another business enterprise at
     any tie after his retirement date.

  /s/       Donald H. Bruegman                                 5-28-98
  ------------------------------------------                 -----------
            DONALD H. BRUEGMAN                                   DATE

CLOVIS COMMUNITY BANK

BY:  /s/ Daniel N. Cunningham                                  5-28-98
    ----------------------------------------                 -----------
         DANIEL N. CUNNINGHAM
     Chairman, Compliance Committee<PAGE>

                                                                   Exhibit 10.19

                     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 Daniel J.
Doyle 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-second (62)
                  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-two (62).

         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 Seventy Five Thousand Dollars and No/00ths
                  ($75,000.00) * 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 twenty
         percent (20%) on the Effective Date of this Agreement, and ten
         additional percent (10%) for each full year of service with the Bank
         from the first 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.

IX.      CHANGE OF CONTROL

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         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
         twenty four (24) 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 right, title or interest in
         or to any specific funding investment or to any assets of the Bank.

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         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.

           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

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<PAGE>

                  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.

         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

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<PAGE>

                  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.

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),

                                    10

<PAGE>

         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.

                                        CLOVIS COMMUNITY BANK
                                        Clovis, California

/s/ Janice H. Neary                     By: /s/ Daniel N. Cunningham
-----------------------------              ---------------------------
Witness                                    Daniel N. Cunningham
                                           Chairman of the Board of Directors

                                    11

<PAGE>

/s/ Janice H. Neary                              /s/ Daniel J. Doyle
-----------------------------               --------------------------------
Witness                                     Daniel J. Doyle

                                      12

<PAGE>

                          BENEFICIARY DESIGNATION FORM
                      FOR THE EXECUTIVE SALARY CONTINUATION
                                    AGREEMENT

PRIMARY DESIGNATION:

         Name                       Address                  Relationship
         ----                       -------                  ------------

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

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

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

SECONDARY (CONTINGENT) DESIGNATION:

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

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

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

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.

---------------------------------                     --------------------------
Daniel J. Doyle                                       Date

                                      13

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