SECOND AMENDMENT TO THE STEPHEN H. WACKNITZ EMPLOYMENT AGREEMENT

Employment Agreement

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This Employment Agreement involves

TEMECULA VALLEY BANCORP INC

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Title: SECOND AMENDMENT TO THE STEPHEN H. WACKNITZ EMPLOYMENT AGREEMENT
Governing Law: California Date: 3/31/2006
Industry: BANKSL Sector: FINANC

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Exhibit 10

                                                                    Exhibit 10.3

                             SECOND AMENDMENT TO THE
                               STEPHEN H. WACKNITZ
                              EMPLOYMENT AGREEMENT

                  This Second Amendment ("SECOND AMENDMENT") to that certain
Employment Agreement dated October 1, 2003, with an effective date of January 1,
2003, as amended by that certain First Amendment dated June 23, 2005
(collectively, "ORIGINAL Agreement") is entered into as of February 2, 2006 by
and between Stephen H. Wacknitz, an individual ("EXECUTIVE") and Temecula Valley
Bank ("BANK").

                                  R E C I T A L

                  At the request of Executive, and pursuant to the
recommendation of the Executive Officer Compensation Committee, with such
recommendations adopted by the Bank's Board of Directors on February 1, 2006,
Bank and Executive wi

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