[LOGO] BAXTER FENTRISS AND COMPANY 9100 ARBORETUM PARKWAY SUITE 280 RICHMOND, VIRGINIA 23236 (804) 323-7640 FAX (804) 323-7457 March 3, 1999 The Board of Directors The Bank of Hemet 3715 Sunnyside Drive Riverside, CA 92506 Members of the Board: We hereby consent to the inclusion of our opinion letter to the Board of The Bank of Hemet as Exhibit __ to the Pacific Community Banking Group Registration Statement on Form S-4 relating to the proposed acquisition of The Bank of Hemet by Pacific Community Banking Group, and references thereto in such Registration Statement under the captions "SUMMARY - Fairness Opinion of Baxter Fentriss & Company" and "THE ACQUISITIONS - Opinion of Baxter Fentriss & Company." BAXTER FENTRISS & COMPANY By: /s/ --------------------- Title: ------------------