Amendment To Construction Department Lease

Exhibit 10.20


AMENDMENT TO LEASE

The SECOND AMENDMENT TO LEASE dated August 28, 2002, is entered into by and between Centennial Plaza, LLC (" Lessor" ) and Redlands Centennial Bank, a California Corporation (" Lessee" ).

WHEREAS, Lessor and Lessee entered into that certain lease dated January 1, 2001, concerning Lessee' s rights to occupy and use approximately 4,751 square feet of space located at 101 East Redlands Boulevard, Suite 106, Redlands, California, 92373 (" Premises" ).

NOW, THEREFORE, the parties, based upon the representation made above and the covenants and conditions set forth herein, agree as follows: 1. Lessor agrees to expand Lessee in to adjacent space consisting of approximately 1,775 additional square feet. The space will be known as Suite 106, and the new adjusted square footage will be 6,526 as of October 1, 2002.

2. Lessor and Lessee agree that the Lease Term for the Premises shall be concurrent with the existing lease term. ...