[LETTERHEAD] CONSENT OF INDEPENDENT ACCOUNTANTS We hereby consent to the inclusion of our Independent Auditor's Report dated February 5, 1997 regarding the statements of condition of Bank of Yorba Linda as of December 31, 1996 and December 31, 1995, and the related statements of income, changes in shareholders' equity, and cash flows for each of the three years in the period ended December 31, 1996, and the reference to our firm as "experts", in the Form S-4 filed with the Securities and Exchange Commission. /s/ Vavrinek, Trine, Day & Co. September 4, 1997 Laguna Hills, California - Exhibit 23.1 -