RE: Determination of Pair Market Rental Value, Branch #17 Lease of Premises at 9334 Deschutes Road, Palo Cedro, CA, by North Valley Bank, a California Banking Corporation

                                                                 EXHIBIT 10(nnn)

                              GABRIELSEN & COMPANY
                          711 GRAND AVENUE, SUITE 100
                              SAN RAFAEL, CA 94901
                                  (415) 454-1600
                              FAX: (415) 256-2888

July 26, 2005

Mr. Jack Richter
North Valley Bank
P.O. Box 994630
Redding, California 96099

         RE:    Determination of Pair Market Rental Value, Branch #17
                Lease of Premises at 9334 Deschutes Road, Palo Cedro, CA, by
               North Valley Bank, a California Banking Corporation

Dear Mr. Richter:

         The purpose of this letter is to confirm that the parties to the
above-referenced lease (the "Lease") have agreed that the Fair Market Rental
Value, as that term is defined in Paragraph 40. OPTION TO EXTEND the Lease,
shall b