[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 -