EXHIBIT 99


                         SOUTHERN ARIZONA COMMUNITY BANK

                    PROXY FOR ANNUAL MEETING OF SHAREHOLDERS

                         To Be Held On October 12, 2001

               THIS PROXY IS SOLICITED BY THE BOARD OF DIRECTORS.

     The  undersigned  shareholder  of SOUTHERN  ARIZONA  COMMUNITY  BANK hereby
appoints  John P. Lewis and Robert A.  Elliott,  or either of them, to represent
the undersigned at the annual meeting of the  shareholders  of SOUTHERN  ARIZONA
COMMUNITY  BANK to be held on OCTOBER 12, 2001, at 9:00 a.m.  (local  time),  at
Southern Arizona Community Bank, 6400 North Oracle Road, Tucson,  Arizona 85704,
and at any  adjournments  or  postponements  thereof,  and to vote the number of
shares the  undersigned  would be entitled to vote if personally  present at the
meeting on the matters listed below.

     When properly executed,  this proxy will be voted in the manner directed by
the undersigned  shareholder and in the discretion of the proxy holder as to any
other matter that may come before the special meeting of shareholders and at any
adjournment or postponement  thereof.  If no direction is given, this proxy will
be voted "FOR" the proposal to approve and adopt the Plan of Share  Exchange and
in the  discretion  of the proxy holder as to any other matter that may properly
come before the meeting or any adjournments or postponements thereof.

     WHETHER OR NOT YOU EXPECT TO ATTEND THE MEETING, YOU ARE URGED TO COMPLETE,
DATE, AND PROMPTLY  RETURN THIS PROXY IN THE ENCLOSED  POSTAGE-PAID  ENVELOPE SO
THAT YOUR SHARES MAY BE REPRESENTED AT THE MEETING.

     THE BOARD OF DIRECTORS  RECOMMENDS A VOTE "FOR" THE APPROVAL OF THE PLAN OF
SHARE EXCHANGE.

     1.  Proposal to approve and adopt the Plan of Share  Exchange,  dated as of
September  1, 2001,  between  and among SUN  COMMUNITY  BANCORP  LIMITED and the
shareholders of SOUTHERN ARIZONA COMMUNITY BANK to exchange the shares of common
stock of SOUTHERN ARIZONA  COMMUNITY BANK not now held by SUN COMMUNITY  BANCORP
LIMITED for shares of common stock of SUN COMMUNITY BANCORP LIMITED according to
the terms of the Plan of Share  Exchange.  After the  share  exchange,  SOUTHERN
ARIZONA  COMMUNITY  BANK  will be a wholly  owned  subsidiary  of SUN  COMMUNITY
BANCORP LIMITED.

         [ ] FOR                [ ] AGAINST                [ ] ABSTAIN

     2. Election of Directors:

Number  of  votes  entitled  to cast  for  directors  (equal  number  of  shares
multiplied by 13):________

CHOOSE A OR B

A  ____   Vote for thirteen of the nominees listed, in such manner in accordance
          with cumulative  voting as will assure the election of thirteen of the
          listed  nominees,  with the  number  of votes  to be  allocated  among
          thirteen nominees to be determined by the proxy holders.

B  ____   Distribute my votes among the nominees for director only as indicated.
          (Print a number in the blank  opposite  the name of each  nominee  for
          whom you wish the  proxy to vote in order to  specify  the  number  of
          votes to be cast for each nominee;  the sum of all votes must be equal
          to the number of shares  multiplied  by thirteen.  You are entitled to
          vote for thirteen (13) nominees.)

                ____ William R. Assenmacher         ____ Jody A. Comstock
                ____ Michael J. Devine              ____ Robert A. Elliott
                ____ Brian K. English               ____ Michael L. Kasten
                ____ Yoram Levy                     ____ John P. Lewis
                ____ Jim Livengood                  ____ James A. Mather
                ____ Morgan North                   ____ James Sakrison
                ____ Paul A. Zucarelli

     3. In their discretion,  the Proxies are authorized to vote upon such other
business as may properly come before the Meeting.

THIS PROXY WILL BE VOTED AS DIRECTED, OR IF NO DIRECTION IS INDICATED,  IT SHALL
BE VOTED FOR PROPOSAL 1 AND FOR ITEM A OF PROPOSAL 2.

Dated: ____________________, 2001

                                        ----------------------------------------
                                        Number of Shares of Common Stock

                                        ----------------------------------------
                                        Signature (and title if applicable)

                                        ----------------------------------------
                                        Signature (if held jointly)

                                        Please  sign  your  name  exactly  as it
                                        appears on your stock certificate.  When
                                        shares are held by joint  tenants,  both
                                        should  sign.  When signing as attorney,
                                        executor,   administrator,   trustee  or
                                        guardian,  please  give  full  title  as
                                        such. If a  corporation,  please sign in
                                        full  corporate name by the President or
                                        other   authorized    officer.    If   a
                                        partnership,  please sign in partnership
                                        name by authorized person.