Exhibit 10.15.4      Quaker City Bank Change in Control Agreement Renewal and
                     Extension Acknowledgment between Quaker City Bank and Hank
                     H. Kadowaki dated July 1, 2001.


                                QUAKER CITY BANK
                          CHANGE IN CONTROL AGREEMENT
                      RENEWAL AND EXTENSION ACKNOWLEDGMENT



Name of Participant:              Hank H. Kadowaki
                    --------------------------------------------------------




The undersigned participant does hereby acknowledge that, at their regularly
scheduled meeting  on June 21, 2001, the Board of Directors of Quaker City Bank
acted to renew and extend the Quaker City Bank Change in Control Agreement with
the undersigned participant to a full twenty-four (24) month term, until June
30, 2003.


Dated this ___1st___ day of ____July____, A.D., ______2001_______.



                              QUAKER CITY BANK


   /s/ Hank H. Kadowaki            By:  /s/ Frederic R. McGill
 ------------------------             --------------------------
Participant                             President