<SUBMISSION>
<ACCESSION-NUMBER>0000936392-03-000473
<TYPE>DEF 14A
<PUBLIC-DOCUMENT-COUNT>2
<PERIOD>20030521
<FILING-DATE>20030416
<EFFECTIVENESS-DATE>20030416
<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>UNITED SECURITY BANCSHARES
<CIK>0001137547
<ASSIGNED-SIC>6021
<IRS-NUMBER>912112732
<STATE-OF-INCORPORATION>CA
<FISCAL-YEAR-END>1231
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>DEF 14A
<ACT>34
<FILE-NUMBER>000-32897
<FILM-NUMBER>03651518
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>1525 E SHAW AVENUE
<CITY>FRESO
<STATE>CA
<ZIP>93710
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>1525 E SHAW AVENUE
<CITY>FRESNO
<STATE>CA
<ZIP>93710
</MAIL-ADDRESS>
</FILER>
<DOCUMENT>
<TYPE>DEF 14A
<SEQUENCE>1
<FILENAME>a89100def14a.htm
<DESCRIPTION>DEFINITIVE PROXY STATEMENT
<TEXT>
<HTML>
<HEAD>
<TITLE>United Security Bancshares</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<P align="center"><FONT size="5">SCHEDULE 14A</FONT>
<DIV align="center"><FONT size="2">(RULE 14a-101)
</FONT></DIV>

<P align="center"><FONT size="3">INFORMATION REQUIRED IN PROXY STATEMENT<BR>
SCHEDULE 14A INFORMATION
</FONT>

<P align="center"><FONT size="3">PROXY STATEMENT PURSUANT TO SECTION 14(a)<BR>
OF THE SECURITIES EXCHANGE ACT OF 1934
</FONT>

<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">
<TR valign="bottom">
    <TD width="30%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="65%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">Filed by the Registrant</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
&#091;X&#093;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">Filed by a Party other than the Registrant</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
&#091;&nbsp;&nbsp;&nbsp;&#093;</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P align="left"><FONT size="2">Check the appropriate box:
</FONT>

<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">
<TR valign="bottom">
    <TD width="35%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="60%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">&#091;&nbsp;&nbsp; &#093; &nbsp;&nbsp;Preliminary Proxy Statement</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><DIV style="margin-left:30px;text-indent:-30px"> <FONT size="2">
&#091;&nbsp;&nbsp; &#093; &nbsp;&nbsp;Confidential for Use of the Commission
only (as permitted by Rule&nbsp;14a-6(e)(2))</FONT></DIV></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">

<TD valign="top"><FONT size="2">&#091;X&#093;
&nbsp;&nbsp;Definitive Proxy Statement</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><DIV style="margin-left:30px;text-indent:-30px"><FONT size="2">
&#091;&nbsp;&nbsp; &#093; &nbsp;&nbsp;Definitive Additional
Materials</FONT></DIV></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD colspan="3" valign="top" align="left"><FONT size="2">&#091;&nbsp;&nbsp; &#093; &nbsp;&nbsp;Soliciting Material Pursuant to Rule&nbsp;14a-11(c) or Rule&nbsp;14a-12</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P align="center"><FONT size="6">United Security Bancshares<BR>
<HR size="1" noshade>
</FONT>

<DIV align="center"><FONT size="2">(Name of Registrant as Specified in its Charter)
</FONT></DIV>
<P>
<HR size="1" noshade>

<DIV align="center"><FONT size="2">(Name of Person(s) Filing Proxy Statement, if other than the Registrant)
</FONT></DIV>
<P align="left"><FONT size="2">Payment of Filing Fee (Check the appropriate box):
</FONT>
<P align="left"><FONT size="2">&#091;X&#093;&nbsp;&nbsp; No fee required.
</FONT>

<P align="center"><FONT size="2"></FONT>


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<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<P align="center"><FONT size="2"><B>United Security Bancshares<BR>
2151 West Shaw Avenue<BR>
Fresno, California 93711</B>
</FONT>

<P align="center"><FONT size="2">April&nbsp;15, 2003
</FONT>

<P align="left"><FONT size="2">Dear Shareholders:
</FONT>

<P align="left"><FONT size="2">You are cordially invited to attend United Security Bancshares&#146; annual meeting
of shareholders which will be held at United Security Bank&#146;s head office
located at 2151 West Shaw Avenue, Fresno, California, on Wednesday, May&nbsp;21,
2003 at 7:00 p.m.
</FONT>
<P align="left"><FONT size="2">At the meeting, shareholders will be asked to elect directors for the ensuing
year. Information regarding the nominees for election of directors is set
forth in the accompanying proxy statement.
</FONT>
<P align="left"><FONT size="2">It is important that your shares be represented at the meeting whether or not
you plan to attend. Please indicate on the enclosed proxy card your vote on
the matter presented, and sign, date and return the proxy card in the enclosed
envelope. If you do attend the meeting and wish to vote in person, your proxy
will be withdrawn at that time.
</FONT>
<DIV align="right">
<TABLE cellspacing="0" border="0" cellpadding="0" width="50%">
<TR valign="bottom">
    <TD width="100%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">Dennis R. Woods</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">Chairman of the Board</FONT></TD>
</TR>
</TABLE>
</DIV>
<P align="center"><FONT size="2"></FONT>



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<!-- TOC -->
<A name="toc"><DIV align="CENTER" style="page-break-before:always"><U><B>TABLE OF CONTENTS</B></U></DIV></A>

<P><CENTER>
<TABLE border="0" width="90%" cellpadding="0" cellspacing="0">
<TR>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="76%"></TD>
</TR>
<TR><TD colspan="9"><A HREF="#000">Notice of Annual Meeting of Shareholders</A></TD></TR>
<TR><TD colspan="9"><A HREF="#001">Proxy Statement</A></TD></TR>
<TR><TD colspan="9"><A HREF="#002">Voting Securities</A></TD></TR>
<TR><TD colspan="9"><A HREF="#003">Shareholdings of Certain Beneficial Owners and Management</A></TD></TR>
<TR><TD colspan="9"><A HREF="#004">Proposal 1: Election of Directors</A></TD></TR>
<TR><TD colspan="9"><A HREF="#005">Compensation of Directors and Executive Officers</A></TD></TR>
<TR><TD colspan="9"><A HREF="#006">Summary Compensation Table</A></TD></TR>
<TR><TD colspan="9"><A HREF="#007">Option/SAR Exercises and Year-End Value Table</A></TD></TR>
<TR><TD colspan="9"><A HREF="#008">Independent Accountants</A></TD></TR>
<TR><TD colspan="9"><A HREF="#009">Shareholder Proposals</A></TD></TR>
<TR><TD colspan="9"><A HREF="#010">Certain Transactions</A></TD></TR>
<TR><TD colspan="9"><A HREF="#011">Other Matters</A></TD></TR>
</TABLE>
</CENTER>
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<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<P align="center"><FONT size="2"><B>United Security Bancshares<BR>
1525 East Shaw Avenue<BR>
Fresno, California 93710</B>
</FONT>
<!-- link1 "Notice of Annual Meeting of Shareholders" -->
<DIV align="left"><A NAME="000"></A></DIV>
<P align="center"><FONT size="2"><B>Notice of Annual Meeting of Shareholders</B>
</FONT>

<P align="center"><FONT size="2"><B>May&nbsp;21, 2003</B>
</FONT>

<P align="left"><FONT size="2"><B>To the Shareholders of<BR>
United Security Bancshares:</B>
</FONT>

<P align="left"><FONT size="2"><B>Notice is hereby given </B>that the annual meeting of shareholders of United
Security Bancshares will be held at the head office of United Security Bank
located at 2151 West Shaw Avenue, Fresno, California, on May&nbsp;21, 2003 at 7:00
p.m. for the purpose of considering and voting upon the following matters:
</FONT>
<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
    <TD width="1%" align="left" nowrap><FONT size="2"><B>1.</B></FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="96%"><FONT size="2"><B>Election of Directors. </B>To elect eight (8)&nbsp;persons to serve as directors
of United Security Bancshares until their successors are duly elected and
qualified.</FONT></TD>
</TR>
</TABLE>
<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="55%">
<TR valign="bottom">
    <TD width="61%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="34%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">Robert G. Bitter, Pharm. D.</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Walter Reinhard</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">Stanley J. Cavalla</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
John Terzian</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">Tom Ellithorpe</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Bobbi Thomason</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">Ronnie D. Miller</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Dennis R. Woods</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
    <TD width="1%" align="left" nowrap><FONT size="2"><B>2.</B></FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="96%"><FONT size="2"><B>Transaction of Other Business. </B>To transact such other business as may
properly come before the meeting and any adjournment or adjournments
thereof.</FONT></TD>
</TR>
</TABLE>
<P align="left"><FONT size="2">The board of directors has fixed the close of business on March&nbsp;27, 2003 as the
record date for determination of shareholders entitled to notice of, and to
vote at, the meeting.
</FONT>
<P align="left"><FONT size="2">Section&nbsp;3.3 of Article&nbsp;III of the Bylaws sets forth the nomination procedure
for nominations of directors. Section&nbsp;3.3 provides:
</FONT>
<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>
<TR valign="top">
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">Nominations for election of members of the board may be made by
the board or by any holder of any outstanding class of capital
stock of the corporation entitled to vote for the election of
directors. Notice of intention to make any nominations (other
than for persons named in the notice of the meeting called for the
election of directors) shall be made in writing and shall be
delivered or mailed to the president of the corporation by the
later of: (i)&nbsp;the close of business twenty-one (21)&nbsp;days prior to
any meeting of shareholders called for the election of directors;
or (ii)&nbsp;ten (10)&nbsp;days after the date of mailing of notice of the
meeting to shareholders. Such notification shall contain the
following information to the extent known to the notifying
shareholder: (a)&nbsp;the name and address of each proposed nominee;
(b)&nbsp;the principal occupation of each proposed nominee; (c)&nbsp;the
number of shares of capital stock of the corporation owned by each
proposed nominee; (d)&nbsp;the name and residence address of the</FONT></TD>
</TR>
</TABLE>
<P align="center"><FONT size="2">&nbsp;</FONT>
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<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>


<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>
<TR valign="top">
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">notifying shareholder; (e)&nbsp;the number of shares of capital stock
of the corporation owned by the notifying shareholder; (f)&nbsp;the
number of shares of capital stock of any bank, bank holding
company, savings and loan association or other depository
institution owned beneficially by the nominee or by the notifying
shareholder and the identities and locations of any such
institutions; and (g)&nbsp;whether the proposed nominee has ever been
convicted of or pleaded nolo contendere to any criminal offense
involving dishonesty or breach of trust, filed a petition in
bankruptcy or been adjudged bankrupt. The notification shall be
signed by the nominating shareholder and by each nominee, and
shall be accompanied by a written consent to be named as a nominee
for election as a director from each proposed nominee.
Nominations not made in accordance with these procedures shall be
disregarded by the chairperson of the meeting, and upon his or her
instructions, the inspectors of election shall disregard all votes
cast for each such nominee. The foregoing requirements do not
apply to the nomination of a person to replace a proposed nominee
who has become unable to serve as a director between the last day
for giving notice in accordance with this paragraph and the date
of election of directors if the procedure called for in this
paragraph was followed with respect to the nomination of the
proposed nominee.</FONT></TD>
</TR>
</TABLE>

<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">
<TR valign="bottom">
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="34%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="53%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2"><B>By Order of the Board of Directors</B></FONT></TD>
</TR>

<TR valign="bottom">
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">Dated:</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
April&nbsp;15, 2003
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">Robert G. Bitter, Secretary</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P align="left"><FONT size="2"><B>We urge you to vote in favor of management&#146;s proposal by signing and returning
the enclosed proxy as promptly as possible, whether or not you plan to attend
the meeting in person. The enclosed proxy is solicited by the board of
directors. Any shareholder giving a proxy may revoke it prior to the time it
is voted by filing with United Security Bancshares&#146; secretary an instrument
revoking it or a duly executed proxy bearing a later date, or by attending the
meeting and voting in person. Please indicate on the proxy whether or not you
expect to attend the meeting so that we can arrange adequate accommodations.</B>
</FONT>
<P align="center"><FONT size="2">2</FONT>
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<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<P align="center"><FONT size="2"><B>United Security Bancshares</B>
</FONT>

<!-- link1 "Proxy Statement" -->
<DIV align="left"><A NAME="001"></A></DIV>
<P align="center"><FONT size="2"><B>Proxy Statement</B>
</FONT>

<P align="center"><FONT size="2"><B>Annual Meeting of Shareholders</B>
</FONT>

<P align="center"><FONT size="2"><B>May&nbsp;21, 2003</B>
</FONT>

<P align="center"><FONT size="2"><B>Introduction</B>
</FONT>

<P align="left"><FONT size="2">This proxy statement is furnished in connection with the solicitation of
proxies for use at the 2003 annual meeting of shareholders of United Security
Bancshares to be held on Wednesday, May&nbsp;21, 2003 at 7:00 p.m. at the head
office of United Security Bank located at 2151 West Shaw Avenue, Fresno,
California, and at any and all adjournments thereof.
</FONT>
<P align="left"><FONT size="2">It is anticipated that this proxy statement and the accompanying notice and
form of proxy will be mailed on or about April&nbsp;15, 2003 to shareholders
eligible to receive notice of, and to vote at, the meeting.
</FONT>
<P align="left"><FONT size="2"><B>Revocability of Proxies</B>
</FONT>
<P align="left"><FONT size="2">A form of proxy for voting your shares at the meeting is enclosed. Any
shareholder who executes and delivers such proxy has the right to and may
revoke it at any time before it is exercised by filing with the secretary of
United Security Bancshares an instrument revoking it or a duly executed proxy
bearing a later date. In addition, the powers of the proxyholders will be
suspended if the person executing the proxy is present at the meeting and
elects to vote in person by advising the chairman of the meeting of his or her
election to vote in person, and voting in person at the meeting. Subject to
such revocation or suspension, all shares represented by a properly executed
proxy received in time for the meeting will be voted by the proxyholders in
accordance with the instructions specified on the proxy. <B>Unless otherwise
directed in the accompanying proxy, the shares represented by your executed
proxy will be voted &#147;FOR&#148; the nominees for election of directors named herein.
If any other business is properly presented at the meeting, the proxy will be
voted in accordance with the recommendations of United Security Bancshares&#146;
management.</B>
</FONT>
<P align="left"><FONT size="2"><B>Persons Making the Solicitation</B>
</FONT>
<P align="left"><FONT size="2">This solicitation of proxies is being made by the board of directors of United
Security Bancshares. The expense of preparing, assembling, printing and
mailing this proxy statement and the materials used in the solicitation of
proxies for the meeting will be borne by United Security Bancshares. It is
contemplated that proxies will be solicited principally through the use of the
mail, but directors, officers and employees of United Security Bancshares may
solicit proxies personally or by telephone, without receiving special
compensation.
</FONT>
<P align="center"><FONT size="2"></FONT>
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<!-- link1 "Voting Securities" -->
<DIV align="left"><A NAME="002"></A></DIV>
<P align="center"><FONT size="2"><B>Voting Securities</B>
</FONT>

<P align="left"><FONT size="2">There were issued and outstanding 5,453,261 shares of United Security
Bancshares&#146; common stock on March&nbsp;27, 2003, which has been fixed as the record
date for the purpose of determining shareholders entitled to notice of, and to
vote at, the meeting. On any matter submitted to the vote of the shareholders,
each holder of United Security Bancshares&#146; common stock will be entitled to one
vote, in person or by proxy, for each share of common stock he or she held of
record on the books of United Security Bancshares as of the record date. In
connection with the election of directors, shares may be voted cumulatively if
a shareholder present at the meeting gives notice at the meeting, prior to the
voting for election of directors, of his or her intention to vote cumulatively.
If any shareholder of United Security Bancshares gives such notice, then all
shareholders eligible to vote will be entitled to cumulate their shares in
voting for election of directors. Cumulative voting allows a shareholder to
cast a number of votes equal to the number of shares held in his or her name as
of the record date, multiplied by the number of directors to be elected. These
votes may be cast for any one nominee, or may be distributed among as many
nominees as the shareholder sees fit. If cumulative voting is declared at the
meeting, votes represented by proxies delivered pursuant to this proxy
statement may be cumulated in the discretion of the proxyholders, in accordance
with management&#146;s recommendation. The effect of broker nonvotes is that such
votes are not counted as being voted; however such votes are counted for
purposes of determining a quorum. The effect of a vote of abstention on any
matter is that such vote is not counted as a vote for or against the matter,
but is counted as an abstention.
</FONT>
<!-- link1 "Shareholdings of Certain Beneficial Owners and Management" -->
<DIV align="left"><A NAME="003"></A></DIV>
<P align="center"><FONT size="2"><B>Shareholdings of Certain<BR>
Beneficial Owners and Management</B>
</FONT>

<P align="left"><FONT size="2">Management of United Security Bancshares knows of no person who owns,
beneficially or of record, either individually or together with associates,
five percent (5%) or more of the outstanding shares of United Security
Bancshares&#146; common stock, except as set forth in the table below. The
following table sets forth, as of March&nbsp;20, 2003, the number and percentage of
shares of United Security Bancshares&#146; outstanding common stock beneficially
owned, directly or indirectly, by each of United Security Bancshares&#146;
directors, named executive officers and principal shareholders and by the
directors and executive officers of United Security Bancshares as a group. The
shares &#147;beneficially owned&#148; are determined under Securities and Exchange
Commission Rules, and do not necessarily indicate ownership for any other
purpose. In general, beneficial ownership includes shares over which the
director, named executive officer or principal shareholder has sole or shared
voting or investment power and shares which such person has the right to
acquire within 60&nbsp;days of March&nbsp;20, 2003. Unless otherwise indicated, the
persons listed below have sole voting and investment powers of the shares
beneficially owned. Management is not aware of any arrangements which may, at
a subsequent date, result in a change of control of United Security Bancshares.
</FONT>
<P align="center"><FONT size="2">2</FONT>
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<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="65%">
<TR valign="bottom">
    <TD width="67%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="9%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="10%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Amount and Nature of</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Percent</B></FONT></TD>
</TR>
<TR valign="bottom">
    <TD nowrap align="center"><FONT size="1"><B>Beneficial Owner</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Beneficial Ownership</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>of
Class<SUP>(1)</SUP></B></FONT></TD>
</TR>
<TR valign="bottom">
    <TD nowrap align="center"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
</TR>
<TR valign="bottom" bgcolor="#eeeeee">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Directors and Named Executive Officers:</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">

<TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Robert G. Bitter, Pharm. D.</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">403,335</FONT></TD>
    <TD nowrap><FONT size="2"><SUP>(2)</SUP></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">7.4</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom" bgcolor="#eeeeee">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Rhodlee A. Braa</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">110,125</FONT></TD>
    <TD nowrap><FONT size="2"><SUP>(3)</SUP></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">2.0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Stanley J. Cavalla</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">224,600</FONT></TD>
    <TD nowrap><FONT size="2"><SUP>(4)</SUP></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">4.1</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom" bgcolor="#eeeeee">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Kenneth L. Donahue</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">130,495</FONT></TD>
    <TD nowrap><FONT size="2"><SUP>(5)</SUP></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">2.4</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Tom Ellithorpe</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">95,686</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">1.8</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom" bgcolor="#eeeeee">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">David L. Eytcheson</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">368,076</FONT></TD>
    <TD nowrap><FONT size="2"><SUP>(6)</SUP></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">6.7</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Ronnie D. Miller</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">398,917</FONT></TD>
    <TD nowrap><FONT size="2"><SUP>(7)</SUP></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">7.3</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom" bgcolor="#eeeeee">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Walter Reinhard</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">174,388</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">3.2</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">John Terzian</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">89,830</FONT></TD>
    <TD nowrap><FONT size="2"><SUP>(8)</SUP></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">1.6</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom" bgcolor="#eeeeee">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Bobbi Thomason</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">348,912</FONT></TD>
    <TD nowrap><FONT size="2"><SUP>(9)</SUP></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">6.4</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Dennis R. Woods</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">428,659</FONT></TD>
    <TD nowrap><FONT size="2"><SUP>(10)</SUP></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">7.8</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom" bgcolor="#eeeeee">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">All Directors and Executive Officers
as a Group (11 in all)</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">2,065,001</FONT></TD>
    <TD nowrap><FONT size="2"><SUP>(11)</SUP></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">37.0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P>
<HR size="1" width="18%" align="left" noshade>
<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
    <TD width="1%" align="left" nowrap><FONT size="2">*</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="96%"><FONT size="2">Less than one percent (1%).</FONT></TD>
</TR>
<TR>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR valign="top">
    <TD width="1%" align="left" nowrap><FONT size="2">(1)</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="96%"><FONT size="2">Includes shares subject to options held by the directors and executive
officers that were exercisable within 60&nbsp;days of March&nbsp;20, 2003. These
are treated as issued and outstanding for the purpose of computing the
percentage of each director, named executive officer and the directors and
executive officers as a group, but not for the purpose of computing the
percentage of class owned by any other person.</FONT></TD>
</TR>
<TR>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR valign="top">
    <TD width="1%" align="left" nowrap><FONT size="2">(2)</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="96%"><FONT size="2">Dr.&nbsp;Bitter has shared voting and investment powers as to 314,076 shares
in his capacity as a trustee of United Security Bank&#146;s Cash or Deferred
401(k) Stock Ownership Plan and United Security Bank&#146;s Employee Stock
Ownership Plan. Dr.&nbsp;Bitter&#146;s address is c/o United Security Bancshares,
1525 East Shaw Avenue, Fresno, California 93710.</FONT></TD>
</TR>
<TR>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR valign="top">
    <TD width="1%" align="left" nowrap><FONT size="2">(3)</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="96%"><FONT size="2">Mr.&nbsp;Braa has shared voting and investment powers as to 61,800 shares and
has 30,600 shares acquirable by exercise of stock options. Mr.&nbsp;Braa also
holds 13,285 shares in United Security Bank&#146;s Cash or Deferred 401(k)
Stock Ownership Plan and United Security Bank&#146;s Employee Stock Ownership
Plan.</FONT></TD>
</TR>
<TR>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR valign="top">
    <TD width="1%" align="left" nowrap><FONT size="2">(4)</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="96%"><FONT size="2">Mr.&nbsp;Cavalla has 2,000 shares acquirable by exercise of stock options.</FONT></TD>
</TR>
<TR>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR valign="top">
    <TD width="1%" align="left" nowrap><FONT size="2">(5)</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="96%"><FONT size="2">Mr.&nbsp;Donahue has shared voting and investment powers as to 60,096 shares
and has 30,000 shares acquirable by exercise of stock options. Mr.&nbsp;Braa
also holds 39,462 shares in United Security Bank&#146;s Cash or Deferred 401(k)
Stock Ownership Plan and United Security Bank&#146;s Employee Stock Ownership
Plan.</FONT></TD>
</TR>
<TR>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR valign="top">
    <TD width="1%" align="left" nowrap><FONT size="2">(6)</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="96%"><FONT size="2">Mr.&nbsp;Eytcheson has shared voting and investment powers as to 314,076
shares in his capacity as a trustee of United Security Bank&#146;s Cash or
Deferred 401(k) Stock Ownership Plan and United Security Bank&#146;s Employee
Stock Ownership Plan. Mr.&nbsp;Eytcheson also has shared voting and investment
powers as to the remaining 54,000 shares. Mr.&nbsp;Eytcheson&#146;s address is c/o
United Security Bancshares, 1525 East Shaw Avenue, Fresno, California
93710.</FONT></TD>
</TR>
</TABLE>
<P align="center"><FONT size="2">(Footnotes continued on the following page.)
</FONT>

<P align="center"><FONT size="2">3</FONT>
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>



<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
    <TD width="1%" align="left" nowrap><FONT size="2">(7)</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="96%"><FONT size="2">Mr.&nbsp;Miller has shared voting and investment powers as to 314,076 shares
in his capacity as a trustee of United Security Bank&#146;s Cash or Deferred
401(k) Stock Ownership Plan and United Security Bank&#146;s Employee Stock
Ownership Plan. Mr.&nbsp;Miller also has shared voting and investment powers
as to an additional 76,009 shares. Mr.&nbsp;Miller&#146;s address is c/o United
Security Bancshares, 1525 East Shaw Avenue, Fresno, California 93710.</FONT></TD>
</TR>
<TR>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR valign="top">
    <TD width="1%" align="left" nowrap><FONT size="2">(8)</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="96%"><FONT size="2">Mr.&nbsp;Terzian has shared voting and investment powers as to 47,020 shares.</FONT></TD>
</TR>
<TR>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR valign="top">
    <TD width="1%" align="left" nowrap><FONT size="2">(9)</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="96%"><FONT size="2">Ms.&nbsp;Thomason has shared voting and investment powers as to 10,220 shares.
Ms.&nbsp;Thomason&#146;s address is c/o United Security Bancshares, 1525 East Shaw
Avenue, Fresno, California 93710.</FONT></TD>
</TR>
<TR>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR valign="top">
    <TD width="1%" align="left" nowrap><FONT size="2">(10)</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="96%"><FONT size="2">Mr.&nbsp;Woods has 60,000 shares acquirable by exercise of stock options. Mr.
Woods&#146; address is c/o United Security Bancshares, 1525 East Shaw Avenue,
Fresno, California 93710. Mr.&nbsp;Woods also holds 27,123 shares in United
Security Bank&#146;s Cash or Deferred 401(k) Stock Ownership Plan and United
Security Bank&#146;s Employee Stock Ownership Plan.</FONT></TD>
</TR>
<TR>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR valign="top">
    <TD width="1%" align="left" nowrap><FONT size="2">(11)</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="96%"><FONT size="2">Total includes 122,600 shares acquirable by exercise of stock options.</FONT></TD>
</TR>
</TABLE>
<P align="left"><FONT size="2"><B>Section&nbsp;16(a) Beneficial Ownership Compliance</B>
</FONT>
<P align="left"><FONT size="2">Section&nbsp;16(a) of the Securities Exchange Act of 1934 requires United Security
Bancshares&#146; directors and certain executive officers and persons who own more
than ten percent of a registered class of United Security Bancshares&#146; equity
securities (collectively, the &#147;Reporting Persons&#148;), to file reports of
ownership and changes in ownership with the Securities and Exchange Commission.
The Reporting Persons are required by Securities and Exchange Commission
regulation to furnish United Security Bancshares with copies of all Section
16(a) forms they file.
</FONT>
<P align="left"><FONT size="2">Based solely on its review of the copies of such forms received by it, or
written representations from the Reporting Persons that no Forms 5 were
required for those persons, United Security Bancshares believes that, during
2003 the Reporting Persons complied with all filing requirements applicable to
them.
</FONT>
<!-- link1 "Proposal 1: Election of Directors" -->
<DIV align="left"><A NAME="004"></A></DIV>
<P align="center"><FONT size="2"><B>Proposal 1:<BR>
Election of Directors</B>
</FONT>

<P align="left"><FONT size="2"><B>Nominees</B>
</FONT>
<P align="left"><FONT size="2">United Security Bancshares&#146; Bylaws provide that the number of directors of
United Security Bancshares shall not be less than eight (8)&nbsp;nor more than
fifteen (15)&nbsp;until changed by an amendment of the articles of incorporation or
the bylaws adopted by the vote or written consent of holders of a majority of
the outstanding shares entitled to vote, provided that a proposal to reduce the
authorized number or the minimum number of directors below five cannot be
adopted. The exact number of directors shall be fixed from time to time,
within the range: (i)&nbsp;by a resolution duly adopted by the board of directors;
(ii)&nbsp;by the vote of a majority of the shares entitled to vote represented at a
duly held meeting at which a quorum is present, or by the written consent of
the holders of a majority of the outstanding shares entitled to vote; or (iii)
by approval of the shareholders. The exact number of directors has been set at
eight (8).
</FONT>
<P align="center"><FONT size="2">4</FONT>
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>
<P align="left"><FONT size="2">The persons named below, all of whom are currently members of the board of
directors, have been nominated for election as directors to serve until the
2004 annual meeting of shareholders and until
their successors are elected and have qualified. Votes of the proxyholders
will be cast in such a manner as to effect the election of all eight (8)
nominees, as appropriate, (or as many thereof as possible under the rules of
cumulative voting). The eight (8)&nbsp;nominees for directors receiving the most
votes will be elected directors. In the event that any of the nominees should
be unable to serve as a director, it is intended that the proxy will be voted
for the election of such substitute nominee, if any, as shall be designated by
the board of directors. The board of directors has no reason to believe that
any of the nominees named below will be unable to serve if elected.
</FONT>
<P align="left"><FONT size="2">The following table sets forth, as of March&nbsp;20, 2003, the names of, and certain
information concerning, the persons nominated by the board of directors for
election as directors of United Security Bancshares.
</FONT>
<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="75%">
<TR valign="bottom">
    <TD width="37%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="42%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Year First</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Principal Occupation</B></FONT></TD>
</TR>
<TR valign="bottom">
    <TD nowrap align="center"><FONT size="1"><B>Name and Title</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Appointed</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>During the</B></FONT></TD>
</TR>
<TR valign="bottom">
    <TD nowrap align="center"><FONT size="1"><B>Other than Director</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Age</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Director</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Past Five Years</B></FONT></TD>
</TR>
<TR valign="bottom">
    <TD nowrap align="center"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><HR size="1" noshade></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>


<TR valign="bottom">
    <TD valign="top"><FONT size="2">Robert G. Bitter,<BR>
Pharm. D., Secretary</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">
64</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">2001</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">Clinical Pharmacist at Madera
Community Hospital, Owner of
Berenda Creek Ranch and Partner
in Selma Shopping Center.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">Stanley J. Cavalla</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">
52</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">2001</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">Vice President of Suburban Steel,
Inc. and Vice President of Tri
State Stairway Corp.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">Tom Ellithorpe</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">
60</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">2001</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">Owner of Insurance Buying Service.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">Ronnie D. Miller<BR>Vice Chairman</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">61</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">2001</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">President of Ron Miller
Enterprises, Inc., dba Fresno
Motor Sales and Fresno Commercial
Lenders.
</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

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    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">Walter Reinhard</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">
73</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">2001</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">Retired. Former President of
Reinhard&#146;s Cabinet.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
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    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">John Terzian</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">
70</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">2001</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">Retired. Former owner of
Tollhouse Enterprises, Inc., dba
Peacock Market.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">Bobbi Thomason</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">
73</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">2001</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">Owner of Thomason Tractor Company
of California.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">Dennis R. Woods<BR>
Chairman, President and <BR>
Chief Executive Officer</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">
55</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">2001</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">Chairman of the Board, President
and Chief Executive Officer of
United Security Bancshares and
United Security Bank.</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P align="left"><FONT size="2">All of the nominees named above have served as members of United Security
Bancshares&#146; board of directors since its inception. All nominees will continue
to serve if elected at the meeting until the 2004 annual meeting of
shareholders and until their successors are elected and have been qualified.
</FONT>
<P align="center"><FONT size="2">5</FONT>
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<P align="left"><FONT size="2">None of the directors were selected pursuant to any arrangement or
understanding other than with the directors and executive officers
<SUP>(1)</SUP> of United
Security Bancshares acting within their capacities as such. There are no
family relationships between any of the directors of United Security
Bancshares.
No director of United Security Bancshares serves as a director of any company
which has a class of securities registered under, or which is subject to the
periodic reporting requirements of, the Securities Exchange Act of 1934, or of
any company registered as an investment company under the Investment Company
Act of 1940.
</FONT>
<P align="left"><FONT size="2"><B>The Board of Directors and Committees</B>
</FONT>
<P align="left"><FONT size="2">United Security Bancshares&#146; board of directors met twelve (12)&nbsp;times in 2002.
None of United Security Bancshares&#146; directors attended less than 75&nbsp;percent of
all board of directors&#146; meetings and committee meetings of which they were a
member.
</FONT>
<P align="left"><FONT size="2">United Security Bancshares has an audit committee which meets as needed to
review examinations of the Federal Reserve Board, the Department of Financial
Institutions and Moss Adams LLP, United Security Bancshares&#146; auditor. The
audit committee consists of Mr.&nbsp;Ellithorpe (chairman), Mr.&nbsp;Reinhard and Ms.
Thomason. The audit committee met eight (8)&nbsp;times during 2002. The audit
committee functions are to review all internal and external audits, report any
significant findings to the board of directors, and ensure that the internal
audit plans are met, programs are carried out, and weaknesses are promptly
responded to. The audit committee meets annually to discuss and review the
overall audit plan. The board of directors has adopted a written charter for
the audit committee which is attached as Exhibit&nbsp;A to this proxy statement.
Each of the audit committee members satisfies the definition of independent
director as established in the NASDAQ listing standards.
</FONT>
<P align="left"><FONT size="2"><B>Audit Committee Report</B>
</FONT>
<P align="left"><FONT size="2">This report of the audit committee shall not be deemed incorporated by
reference by any general statement incorporating by reference this proxy
statement into any filing under the Securities Act of 1933, as amended, or the
Securities Exchange Act of 1934, as amended, except to the extent that United
Security Bancshares specifically incorporates this information by reference,
and shall not otherwise be deemed filed under the Acts.
</FONT>
<P align="left"><FONT size="2">The audit committee has reviewed United Security Bancshares&#146; audited financial
statements and discussed such statements with management. The audit committee
has discussed with Moss Adams LLP, United Security Bancshares&#146; independent
auditors during the year 2002, the matters required to be discussed by
Statement of Auditing Standards No.&nbsp;61 (Communication with Audit and Finance
Committees, as amended).
</FONT>
<P align="left"><FONT size="2">The audit committee received written disclosures and a letter from Moss Adams
LLP, required by Independence Standards Board Standard No.&nbsp;1 and has discussed
with them their independence from management. The audit committee has also
considered whether the independent auditors&#146; provision of other nonaudit
services is compatible with the auditors&#146; independence.
</FONT>
<P>
<HR size="1" width="18%" align="left" noshade>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
    <TD width="1%" align="left" nowrap><FONT size="2">(1)</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="96%"><FONT size="2">As used in this proxy statement, the term &#147;executive officer&#148; of United
Security Bancshares includes the President/Chief Executive Officer, Senior
Vice President/Chief Financial Officer, Senior Vice President/Chief Credit
Officer and Senior Vice President/Chief Operating Officer.</FONT></TD>
</TR>
</TABLE>
<P align="center"><FONT size="2">6</FONT>
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<P align="left"><FONT size="2">Based on the review and discussions noted above, the audit committee
recommended to the board of directors that United Security Bancshares&#146; audited
financial statements be included in United
Security Bancshares&#146; Annual Report on Form&nbsp;10-K for the year ended December&nbsp;31,
2002, for filing with the Securities and Exchange Commission.
</FONT>
<P align="left"><FONT size="2">The audit committee has also confirmed that there have been no new
circumstances or developments since their respective appointments to the audit
committee that would impair any member&#146;s ability to act independently.
</FONT>
<P align="left"><FONT size="2">The Audit Committee
</FONT>
<P align="left"><FONT size="2">Tom Ellithorpe, Chairman<BR>
Walter Reinhard<BR>
Bobbi Thomason
</FONT>

<P align="left"><FONT size="2">United Security Bancshares has a personnel committee which met two (2)&nbsp;times in
2002. The personnel committee consists of Mr.&nbsp;Ellithorpe (chairman)&nbsp;and
Messrs.&nbsp;Cavalla, Miller and Woods. The purpose of the personnel committee is
to set policies, review salary recommendations, grant stock options and approve
other personnel matters which are in excess of management&#146;s authority.
</FONT>
<P align="left"><FONT size="2">United Security Bancshares also has a board evaluation/nominating committee
which did not meet in 2002. The board evaluation/nominating committee consists
of Mr.&nbsp;Ellithorpe (chairman)&nbsp;and Messrs.&nbsp;Cavalla, Miller and Woods. The
purpose of the board evaluation/nominating committee is to evaluate the
directors for various performance rating factors to determine each director&#146;s
monthly director&#146;s fees and to make recommendations to the board of directors
regarding nominees for election of directors.
</FONT>
<P align="left"><FONT size="2"><B>Report of Personnel Committee on Executive Compensation</B>
</FONT>
<P align="left"><FONT size="2"><B>Compensation Policies</B>
</FONT>
<P align="left"><FONT size="2">The personnel committee establishes the overall executive compensation
guidelines of United Security Bancshares and establishes the compensation plans
and specific compensation levels of the Chief Executive Officer (&#147;CEO&#148;) and
other executive officers. The personnel committee reviews its approach to
executive compensation annually.
</FONT>
<P align="left"><FONT size="2">The personnel committee believes that executive officer compensation should be
closely aligned with the performance of United Security Bancshares on a
short-term and long-term basis, and that such compensation should be structured
to assist United Security Bancshares in attracting and retaining key executives
critical to its long-term success. To that end, the personnel committee&#146;s
policy for compensation packages of executive officers consists of three
components: (i)&nbsp;an annual
base salary; (ii)&nbsp;the potential to earn incentive bonuses dependent on United
Security Bancshares&#146; performance, and (iii)&nbsp;stock option awards and salary
continuation plans designed to link shareholder interests with those of
executive management by providing long-term incentives to executive officers of
United Security Bancshares. The performance based aspects, items (ii)&nbsp;and
(iii)&nbsp;above, are considered major elements of the overall compensation program.
</FONT>
<P align="center"><FONT size="2">7</FONT>
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<P align="left"><FONT size="2"><B>Executive Officer Compensation</B>
</FONT>

<P align="left"><FONT size="2"><B>Base Salary: </B>Effective January&nbsp;1, 1997, the personnel committee of United
Security Bank established a fixed-based salary program whereby the executive
officers base salaries were frozen. Future compensation increases are achieved
through the performance-based aspects of compensation. In establishing fixed
base salaries, the personnel committee considered salaries of comparably sized
California banks, banks earning between $3 and $4&nbsp;million per year, as well as
local area banks. The information was compiled from a variety of sources
including the California Banker&#146;s Association, proxy materials, and other
independent sources. However, executive officers may have their salaries
adjusted from time to time as the size, complexity, and earnings of United
Security Bancshares change, in order to ensure that total compensation remains
competitive. The fixed based salary program was reviewed during 2000, and the
base salaries were increased for the CEO and the other three executive officers
as a result of the significant asset and earnings growth since the plan was
first enacted in 1997. Base salaries have not been adjusted since 2000.
</FONT>
<P align="left"><FONT size="2"><B>Annual Incentives: </B>The personnel committee believes that incentives for
officers are a key component for ensuring continued growth in shareholder value
through increased earnings. Accordingly, executive officers earn bonuses based
upon a percentage of United Security Bancshares&#146; net income each year.
</FONT>
<P align="left"><FONT size="2">All executive officers are entitled to participate in United Security Bank&#146;s
ESOP and 401(k) programs but are subject to more stringent matching bank
contributions than other employees of United Security Bank, as required by
regulation.
</FONT>
<P align="left"><FONT size="2"><B>Long-term Incentives: </B>Long-term incentives are provided through the grant of
stock options to certain employees of United Security Bank including executive
officers. Incentive stock options are granted at the market value prevailing
on the date of grant and are intended to retain and motivate key management to
improve United Security Bancshares&#146; long-term shareholder value, as the options
only have value if the market price of the underlying stock appreciates after
the date granted. At December&nbsp;31, 2002, total stock options that have been
granted to key management and remain outstanding totaled 201,800 shares,
including 82,500 to the CEO, 60,600 to other executive officers (3 total), and
58,700 to other senior management (6 total).
</FONT>
<P align="left"><FONT size="2">A component of United Security Bank&#146;s 401(k)/ESOP recognizes and rewards
employee&#146;s contributions to its successful operation by enabling those
employees to acquire a proprietary interest in United Security Bancshares&#146;
common stock. All employees of United Security Bank are eligible to
participate in the 401(k) Plan upon the first day of the month after date of
hire. Participants are automatically vested 100% in all employee contributions
which they may invest in any of several authorized investment vehicles,
including United Security Bancshares&#146; stock. United Security Bank contributes
funds to match the employee&#146;s 401(k) Plan contribution up to 5% of the
employee&#146;s eligible annual compensation. These contributions are invested in
United Security Bancshares&#146; stock and are subject to certain vesting
requirements over a period of six years. Under the ESOP portion of the plan,
United Security Bancshares annually contributes shares of common stock for each
eligible employee&#146;s account in an amount proportionate to the employee&#146;s
compensation. United Security Bancshares&#146; contribution is at the discretion of
the board of directors and has been 8% of employee compensation for all but one
year since its inception in 1994 through 2002. Employees thereby have a vested
interest in contributing on an ongoing basis to the profitability of United
<P align="center"><FONT size="2">8</FONT>
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</FONT>
<P align="left"><FONT size="2">Security Bancshares, and with a vesting period of six years, they have the
additional incentive to remain with United Security Bank on a long-term basis.
</FONT>
<P align="left"><FONT size="2">United Security Bank has established a nonqualified salary continuation plan
for five of United Security Bank&#146;s key employees, including the president and
executive officers, which provides additional compensation benefits upon
retirement for a period of 15&nbsp;years. Future compensation under the plan is
earned by the employees for services rendered through retirement and vests over
a period of 12&nbsp;years. In connection with the implementation of the salary
continuation plans, United Security Bank purchased single premium universal
life insurance policies on the life of each of the key employees covered under
the plan. United Security Bank is the owner and beneficiary of these insurance
policies.
</FONT>
<P align="left"><FONT size="2"><B>Chief Executive Officer Compensation</B>
</FONT>
<P align="left"><FONT size="2">Since Mr.&nbsp;Woods became the CEO in 1993, United Security Bank&#146;s performance and
competitive position have improved significantly. United Security Bank&#146;s
earnings have increased more than 500% since that time, and dividends have
increased every year; a total of 290% over the period. Total assets have
increased more than 480% during that same period. Some of this growth has come
from mergers and acquisitions, which in turn have strengthened United Security
Bancshares&#146; strategic position and competitive growth outlook for the future.
</FONT>
<P align="left"><FONT size="2"><B>Base Salary: </B>Mr.&nbsp;Woods is subject to the same fixed salary program as other
executive officers. During 2000, the personnel committee targeted Mr.&nbsp;Woods&#146;
base salary at the competitive median for comparable sized California banks
demonstrating comparable net earnings as taken from a variety of reliable
sources. Mr.&nbsp;Woods&#146; base salary of $239,000 is currently believed reasonable
by the personnel committee based upon reference to competitive pay practices
and the previously described compensation approach to executive officers. The
personnel committee believes that the performance based compensation program,
as it relates to the CEO, offers substantial additional compensation incentives
to reward Mr.&nbsp;Woods for successful results.
</FONT>
<P align="left"><FONT size="2"><B>Performance Based Compensation: </B>Mr.&nbsp;Woods is eligible to participate in the
same short-term and long-term incentive plans as the other executive officers
of United Security Bancshares. In addition, the terms of the bonus plan for
the CEO are different than the other executive officers.
</FONT>
<P align="left"><FONT size="2">Mr.&nbsp;Woods&#146; entire performance based compensation is tied directly to net income
of United Security Bancshares. Pursuant to the provisions of the performance
based compensation plan for the CEO, Mr.&nbsp;Woods was awarded a cash bonus
totaling $303,032 as a result of United Security Bancshares&#146; performance during
2002.
</FONT>
<P align="center"><FONT size="2">9</FONT>
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<P align="left"><FONT size="2">As noted, United Security Bancshares&#146; executive compensation policy is based
primarily on performance. The personnel committee believes Mr.&nbsp;Woods has
managed United Security Bancshares well, and has achieved above-normal results,
not only in terms of earnings and asset growth, but also in overall stockholder
value.
</FONT>
<P align="left"><FONT size="2">Members of the Personnel Committee:
</FONT>
<P align="left"><FONT size="2">Dennis R. Woods<BR>
Stanley J. Cavalla<BR>
Tom Ellithorpe<BR>
Ronnie D. Miller
</FONT>

<P align="left"><FONT size="2"><B>Compensation Committee Interlocks and Insider Participation</B>
</FONT>
<P align="left"><FONT size="2">Messrs.&nbsp;Woods, Cavalla, Ellithorpe and Miller served as members of United
Security Bancshares&#146; personnel committee during 2002. Mr.&nbsp;Woods serves as the
President and Chief Executive Officer of United Security Bancshares. There are
no personnel committee interlocks between United Security Bancshares and other
entities involving United Security Bancshares&#146; executive officers or board
members.
</FONT>
<P align="center"><FONT size="2">10</FONT>
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<P align="center"><FONT size="2"><B>United Security Bancshares</B>
</FONT>

<P align="center"><FONT size="2"><IMG src="a89100a8910000.gif" alt="United Security Bancshares">
</FONT>

<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="85%">
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    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="23"><FONT size="1"><B>Period Ending</B></FONT></TD>
</TR>
<TR valign="bottom">
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="23"><HR size="1" noshade></TD>
</TR>
<TR valign="bottom">
    <TD nowrap align="center"><FONT size="1"><B>Index</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>12/31/97</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>12/31/98</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>12/31/99</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>12/31/00</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>12/31/01</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>12/31/02</B></FONT></TD>
</TR>
<TR valign="bottom">
    <TD nowrap align="center"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
</TR>
<TR valign="bottom" bgcolor="#eeeeee">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">United Security Bancshares</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">100.00</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">120.96</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">175.38</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">149.91</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">150.61</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>

    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">162.95</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">S&#038;P 500</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">100.00</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">128.55</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">155.60</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">141.42</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">124.63</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">96.95</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom" bgcolor="#eeeeee">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">SNL &#060;$500M Bank Index</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">100.00</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">91.31</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">84.52</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">81.54</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">112.79</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">144.45</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">SNL $500M-$1B Bank Index</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">100.00</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">98.32</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">91.02</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">87.12</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">113.02</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">144.30</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P align="center"><FONT size="2">11</FONT>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<P align="left"><FONT size="2"><B>Compensation of Directors and Executive Officers</B>
</FONT>

<!-- link1 "Compensation of Directors and Executive Officers" -->
<DIV align="left"><A NAME="005"></A></DIV>
<P align="left"><FONT size="2"><B>Director Compensation</B></FONT>

<P align="left"><FONT size="2">During 2002, directors of United Security Bancshares and United Security Bank
were compensated for monthly board meetings based on a performance rating
structure ranging from a minimum of $800 per meeting up to $1,300 per meeting.
In addition, the vice chairman received an additional $200 per meeting and the
secretary received an additional $250 per meeting. Also, directors, other than
Mr.&nbsp;Woods, were paid $300 for their attendance at committee meetings, other
than loan committee meetings, and were paid $400 for their attendance at loan
committee meetings, if such committee meeting was held on a day other than the
regular board of directors&#146; meeting. During 2003, the directors of United
Security Bank will continue to be compensated.
</FONT>
<P align="left"><FONT size="2">In September, 2000, Mr.&nbsp;Cavalla, a director of United Security Bancshares,
received a stock option under the United Security Bank 1995 Stock Option Plan
to acquire 5,000 shares of common stock. The exercise price for these shares
is $17.00 per share. This option is for a term of ten years expiring in
September, 2010.
</FONT>
<P align="left"><FONT size="2"><B>Director Emeritus Plan</B>
</FONT>

<P align="left"><FONT size="2">During 1995, United Security Bank also established a
Directors Emeritus Plan,
which was amended in May, 2000. Those directors who (i)&nbsp;retire as directors of
United Security Bank or (ii)&nbsp;retired as directors of Golden Oak Bank and who
signed a shareholder&#146;s agreement, are eligible to participate in the Directors
Emeritus Plan. Each Director Emeritus will be a lifetime position or until a
Director Emeritus shall sell a majority of his or her ownership in United
Security Bank. Directors Emeritus receive a monthly fee of $400, and receive
preferential deposit and customer service with free checking as long as they
serve as a Director Emeritus. Director Emeritus benefits terminate upon (i)
the ultimate sale of United Security Bank, (ii)&nbsp;the sale of a majority of the
Director Emeritus&#146; shares of United Security Bank&#146;s common stock, or (iii)&nbsp;the
finding by United Security Bank&#146;s board of directors that the Director Emeritus
is engaging in activities or making statements which are detrimental to United
Security Bank or United Security Bank&#146;s public image.
</FONT>
<P align="center"><FONT size="2">12</FONT>
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>
<P align="left"><FONT size="2"><B>Executive Officers</B>
</FONT>

<P align="left"><FONT size="2">The following table sets forth information, as of March&nbsp;20, 2003, concerning
executive officers of United Security Bancshares:
</FONT>
<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="95%">
<TR valign="bottom">
    <TD width="24%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="55%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Position and Principal Occupation</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
</TR>
<TR valign="bottom">
    <TD nowrap align="center"><FONT size="1"><B>Name</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Age</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>For the Past Five Years</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
</TR>
<TR valign="bottom">
    <TD nowrap align="center"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>


<TR valign="bottom">
    <TD valign="top"><FONT size="2">Dennis R. Woods</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">
55</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">President and Chief Executive Officer of United
Security Bank <BR>and United Security Bancshares.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">Kenneth L. Donahue</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">
54</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">Senior Vice President and Chief Financial Officer of
United <BR>Security Bank and United Security Bancshares.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">Rhodlee A. Braa</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">
61</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">Senior Vice President and Chief Credit Officer of
United <BR>Security Bank and United Security Bancshares.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">David L. Eytcheson</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">
62</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">Senior Vice President and Chief Operating Officer of
United <BR>Security Bank and United Security Bancshares.</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P align="left"><FONT size="2"><B>Executive Compensation</B>
</FONT>

<P align="left"><FONT size="2">The persons serving as the executive officers of United Security Bancshares
received during 2002, and are expected to continue to receive in 2003, cash
compensation in their capacities as executive officers of United Security Bank.
</FONT>
<P align="left"><FONT size="2">The following Summary Compensation Table indicates the compensation of United
Security Bancshares&#146; executive officers.
</FONT>
<P align="center"><FONT size="2">13</FONT>
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>
<P align="center"><FONT size="2"><B>Summary Compensation Table</B>
</FONT>

<!-- link1 "Summary Compensation Table" -->
<DIV align="left"><A NAME="006"></A></DIV>
<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">
<TR valign="bottom">
    <TD width="36%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="11"><FONT size="1"><B>Long Term Compensation</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
</TR>
<TR valign="bottom">
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="11"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
</TR>
<TR valign="bottom">
    <TD nowrap align="center" colspan="17"><FONT size="1"><B>Annual Compensation</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="7"><FONT size="1"><B>Awards</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Payouts</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
</TR>
<TR valign="bottom">
    <TD colspan="17"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="7"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
</TR>
<TR valign="bottom">
    <TD nowrap align="center"><FONT size="1"><B>(a)</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>(b)</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>(c)</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>(d)</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>(e)</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>(f)</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>(g)</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>(h)</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>(i)</B></FONT></TD>
</TR>
<TR valign="bottom">
    <TD nowrap align="center"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
</TR>
<TR valign="bottom">
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Other</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
</TR>
<TR valign="bottom">
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Annual</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Restricted</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>All Other</B></FONT></TD>
</TR>
<TR valign="bottom">
    <TD nowrap align="center"><FONT size="1"><B>Name and</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Compen-</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Stock</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>LTIP</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Compen-</B></FONT></TD>
</TR>
<TR valign="bottom">
    <TD nowrap align="center"><FONT size="1"><B>Principal</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Salary</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Bonus</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>sation</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Award(s)</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Options/</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Payouts</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>sation</B></FONT></TD>
</TR>
<TR valign="bottom">
    <TD nowrap align="center"><FONT size="1"><B>Position</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Year</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>($)</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>($)</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>($)</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>($)</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>SARs</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>($)</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>($)<SUP>(3)</SUP></B></FONT></TD>
</TR>
<TR valign="bottom">
    <TD nowrap align="center"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
</TR>
<TR valign="bottom" bgcolor="#eeeeee">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Dennis R. Woods</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">2002</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">254,300</FONT></TD>
    <TD nowrap><FONT size="2"><SUP>(1)</SUP></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">257,609</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">40,400</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom" bgcolor="#eeeeee">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">President and Chief</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">2001</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">254,300</FONT></TD>
    <TD nowrap><FONT size="2"><SUP>(1)</SUP></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">260,264</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">36,845</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom" bgcolor="#eeeeee">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Executive Officer</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">2000</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">216,646</FONT></TD>
    <TD nowrap><FONT size="2"><SUP>(2)</SUP></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">201,680</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">35,123</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>


<TR valign="bottom">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Kenneth L. Donahue</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">2002</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">112,000</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">62,544</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">24,534</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Senior Vice President and Chief</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">2001</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">112,000</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">54,410</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">23,356</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Financial Officer</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">2000</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">99,691</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">36,601</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">23,961</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom" bgcolor="#eeeeee">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">David L. Eytcheson</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">2002</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">112,000</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">62,544</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">23,139</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom" bgcolor="#eeeeee">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Senior Vice President and Chief</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">2001</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">112,000</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">54,410</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">22,112</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom" bgcolor="#eeeeee">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Operating Officer</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">2000</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">99,691</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">36,601</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">23,966</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Rhodlee A. Braa</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">2002</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">112,000</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">62,544</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">24,280</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Senior Vice President and Chief</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">2001</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">112,000</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">54,410</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">21,659</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Credit Officer</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">2000</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">99,045</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">36,601</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">0</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">23,869</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

</TABLE>
</CENTER>

<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
    <TD width="1%" align="left" nowrap><FONT size="2">(1)</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="96%"><FONT size="2">Includes $15,300 in directors fees.</FONT></TD>
</TR>
<TR>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR valign="top">
    <TD width="1%" align="left" nowrap><FONT size="2">(2)</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="96%"><FONT size="2">Includes $11,800 in directors fees.</FONT></TD>
</TR>
<TR>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR valign="top">
    <TD width="1%" align="left" nowrap><FONT size="2">(3)</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="96%"><FONT size="2">This amount represents United Security Bank&#146;s contribution under United
Security Bank&#146;s Cash or Deferred 401(k) Plan, United Security Bank&#146;s
Employee Stock Ownership Plan and the cost of premiums for excess
disability, medical and life insurance.</FONT></TD>
</TR>
</TABLE>
<P align="center"><FONT size="2">14</FONT>
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>




<!-- link1 "Option/SAR Exercises and Year-End Value Table" -->
<DIV align="left"><A NAME="007"></A></DIV>
<P align="center"><FONT size="2"><B>Option/SAR Exercises and Year-End Value Table</B>
</FONT>

<P align="center"><FONT size="2"><B>Aggregated Option/SAR Exercises in Last Fiscal Year and Year-End Option/SAR
Value</B>
</FONT>

<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="85%">
<TR valign="bottom">
    <TD width="24%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="14%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="14%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD nowrap align="center"><FONT size="1"><B>(a)</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>(b)</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>(c)</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>(d)</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>(e)</B></FONT></TD>
</TR>
<TR valign="bottom">
    <TD nowrap align="center"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><HR size="1" noshade></TD>
</TR>
<TR valign="bottom">
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Value of</B></FONT></TD>
</TR>
<TR valign="bottom">
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Number of</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Unexercised In-</B></FONT></TD>
</TR>
<TR valign="bottom">
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Unexercised</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>the-Money</B></FONT></TD>
</TR>
<TR valign="bottom">
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Options/SARs at</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Options/SARs at</B></FONT></TD>
</TR>
<TR valign="bottom">
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Year-End (#)</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Year-End ($)</B></FONT></TD>
</TR>
<TR valign="bottom">
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Shares Acquired on</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Value Realized</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Exercisable/</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Exercisable/</B></FONT></TD>
</TR>
<TR valign="bottom">
    <TD nowrap align="center"><FONT size="1"><B>Name</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Exercise (#)</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>($)</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Unexercisable</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Unexercisable</B></FONT></TD>
</TR>
<TR valign="bottom">
    <TD nowrap align="center"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><HR size="1" noshade></TD>
</TR>
<TR valign="bottom" bgcolor="#eeeeee">
    <TD align="left" valign="top"><FONT size="2">Dennis R. Woods</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">
32,500</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">$</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">382,525</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">Options Only<BR>
82,500/0
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">Options Only<BR>
$656,025/$0</FONT></TD>
</TR>

<TR valign="bottom">
    <TD align="left" valign="top"><FONT size="2">Kenneth L. Donahue</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">
0</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">N/A</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">Options Only<BR>
30,000/0
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">Options Only<BR>
$195,600/$0</FONT></TD>
</TR>

<TR valign="bottom" bgcolor="#eeeeee">
    <TD align="left" valign="top"><FONT size="2">David L. Eytcheson</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">
12,000</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">$</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">78,240</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">Options Only<BR>
0/0
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">Options Only<BR>
$0/$0</FONT></TD>
</TR>

<TR valign="bottom">
    <TD align="left" valign="top"><FONT size="2">Rhodlee A. Braa</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">
11,400</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">$</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">143,640</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">Options Only<BR>
30,600/0
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">Options Only<BR>
$203,160/$0</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P align="center"><FONT size="2">15</FONT>
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<P align="left"><FONT size="2">Mr.&nbsp;Woods has a salary continuation agreement with United Security Bank which
provides that United Security Bank will pay him $100,000 per year for 15&nbsp;years
following his retirement from United Security Bank at age 61 (&#147;Retirement
Age&#148;). In the event of disability while Mr.&nbsp;Woods is actively employed prior
to Retirement Age, he will have the option to take a benefit amount based on
the vesting schedule below for 15&nbsp;years beginning at the earlier of the time
when he reaches age 61 or the date on which he is no longer entitled to
disability benefits under his principal disability insurance policy. In the
event Mr.&nbsp;Woods dies while actively employed by United Security Bank prior to
Retirement Age, his beneficiary will receive from United Security Bank $100,000
per year for 15&nbsp;years beginning one month after his death. In the event of
termination without cause, early retirement, or voluntary termination, Mr.
Woods shall receive a benefit amount based on the vesting schedule below for 15
years beginning with the month following the month in which Mr.&nbsp;Woods
terminates employment and attains age 61. The vesting schedule is 25% for the
first year of service beginning July&nbsp;3, 1996, 15% for the second year of
service, 10% for the third year of service, 6% per year of service for the
following eight years of service and 2% for the twelfth year of service. In
the event Mr.&nbsp;Woods is terminated for cause he will forfeit any benefits from
the salary continuation agreement.
</FONT>
<P align="left"><FONT size="2">In addition, Mr.&nbsp;Woods also has an agreement with United Security Bank for
severance compensation in the event there is a change in control of United
Security Bank. The agreement is for a term of five years beginning February
26, 2002. Pursuant to the agreement, in the event there is an acquisition (as
defined in the agreement) of United Security Bank, then the resulting
corporation shall pay Mr.&nbsp;Woods a lump sum amount in cash equal to the sum of
(i)&nbsp;the last three (3)&nbsp;years of his total compensation, inclusive of his base
annual salary and bonus and (ii)&nbsp;the amount necessary to cover any &#147;golden
parachute taxes&#148; that may be assessed pursuant to Section&nbsp;280G of the Internal
Revenue Code.
</FONT>
<P align="left"><FONT size="2">Mr.&nbsp;Donahue has a salary continuation agreement with United Security Bank which
provides that United Security Bank will pay him $50,000 per year for 15&nbsp;years
following his retirement from United Security Bank at age 59 (&#147;Retirement
Age&#148;). In the event of disability while Mr.&nbsp;Donahue is actively employed prior
to Retirement Age, he will have the option to take a benefit amount based on
the vesting schedule below for 15&nbsp;years beginning at the earlier of the time
when he reaches age 59 or the date on which he is no longer entitled to
disability benefits under his principal disability insurance policy. In the
event Mr.&nbsp;Donahue dies while actively employed by United Security Bank prior to
Retirement Age, his beneficiary will receive from United Security Bank $50,000
per year for 15&nbsp;years beginning one month after his death. In the event of
termination without cause, early retirement, or voluntary termination, Mr.
Donahue shall receive a benefit amount based on the vesting schedule below for
15&nbsp;years beginning with the month following the month in which Mr.&nbsp;Donahue
terminates employment and attains age 59. The vesting schedule is 8.33% for
each year of service beginning January&nbsp;1, 1997. In the event Mr.&nbsp;Donahue is
terminated for cause he will forfeit any benefits from the salary continuation
agreement.
</FONT>
<P align="left"><FONT size="2">In addition, Mr.&nbsp;Donahue also has an agreement with United Security Bank for
severance compensation in the event there is a change in control of United
Security Bank. The agreement is for a term of five years beginning February
26, 2002. Pursuant to the agreement, in the event there is an acquisition (as
defined in the agreement) of United Security Bank, then the resulting
corporation shall pay Mr.&nbsp;Donahue a lump sum amount in cash equal to his last
year&#146;s total compensation, inclusive of his base annual salary and bonus
reduced by such amount, if any so that
</FONT>
<P align="center"><FONT size="2">16</FONT>
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<P align="left"><FONT size="2">all benefits that are accelerated as a result of the acquisition will not be subject
to any
&#147;golden parachute taxes&#148; that may be assessed pursuant to Section&nbsp;280G of the
Internal Revenue Code.
</FONT>
<P align="left"><FONT size="2">Mr.&nbsp;Eytcheson has a salary continuation agreement with United Security Bank
which provides that United Security Bank will pay him $50,000 per year for 15
years following his retirement from United Security Bank at age 68 (&#147;Retirement
Age&#148;). In the event of disability while Mr.&nbsp;Eytcheson is actively employed
prior to Retirement Age, he will have the option to take a benefit amount based
on the vesting schedule below for 15&nbsp;years beginning at the earlier of the time
when he reaches age 68 or the date on which he is no longer entitled to
disability benefits under his principal disability insurance policy. In the
event Mr.&nbsp;Eytcheson dies while actively employed by United Security Bank prior
to Retirement Age, his beneficiary will receive from United Security Bank
$50,000 per year for 15&nbsp;years beginning one month after his death. In the
event of termination without cause, early retirement, or voluntary termination,
Mr.&nbsp;Eytcheson shall receive a benefit amount based on the vesting schedule
below for 15&nbsp;years beginning with the month following the month in which Mr.
Eytcheson terminates employment and attains age 68. The vesting schedule is
8.33% for each year of service beginning January&nbsp;1, 1997. In the event Mr.
Eytcheson is terminated for cause he will forfeit any benefits from the salary
continuation agreement.
</FONT>
<P align="left"><FONT size="2">In addition, Mr.&nbsp;Eytcheson also has an agreement with United Security Bank for
severance compensation in the event there is a change in control of United
Security Bank. The agreement is for a term of five years beginning February
26, 2002. Pursuant to the agreement, in the event there is an acquisition (as
defined in the agreement) of United Security Bank, then the resulting
corporation shall pay Mr.&nbsp;Eytcheson a lump sum amount in cash equal to his last
year&#146;s total compensation, inclusive of his base annual salary and bonus
reduced by such amount, if any so that all benefits that are accelerated as a
result of the acquisition will not be subject to any &#147;golden parachute taxes&#148;
that may be assessed pursuant to Section&nbsp;280G of the Internal Revenue Code.
</FONT>
<P align="left"><FONT size="2">Mr.&nbsp;Braa has a salary continuation agreement with United Security Bank which
provides that United Security Bank will pay him $50,000 per year for 15&nbsp;years
following his retirement from United Security Bank at age 66 (&#147;Retirement
Age&#148;). In the event of disability while Mr.&nbsp;Braa is actively employed prior to
Retirement Age, he will have the option to take a benefit amount based on the
vesting schedule below for 15&nbsp;years beginning at the earlier of the time when
he reaches age 66 or the date on which he is no longer entitled to disability
benefits under his principal disability insurance policy. In the event Mr.
Braa dies while actively employed by United Security Bank prior to Retirement
Age, his beneficiary will receive from United Security Bank $50,000 per year
for 15&nbsp;years beginning one month after his death. In the event of termination
without cause, early retirement, or voluntary termination, Mr.&nbsp;Braa shall
receive a benefit amount based on the vesting schedule below for 15&nbsp;years
beginning with the month following the month in which Mr.&nbsp;Braa terminates
employment and attains age 66. The vesting schedule is 8.33% for each year of
service beginning January&nbsp;1, 1997. In the event Mr.&nbsp;Braa is terminated for
cause he will forfeit any benefits from the salary continuation agreement.
</FONT>
<P align="left"><FONT size="2">In addition, Mr.&nbsp;Braa also has an agreement with United Security Bank for
severance compensation in the event there is a change in control of United
Security Bank. The agreement is for a term of five years beginning February
26, 2002. Pursuant to the agreement, in the event there is an acquisition (as
defined in the agreement) of United Security Bank, then the resulting
corporation shall pay Mr.&nbsp;Braa a lump sum amount in cash equal to his last
year&#146;s total compensation, inclusive of his base
</FONT>
<P align="center"><FONT size="2">17</FONT>
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<P align="left"><FONT size="2">annual salary and bonus reduced by such amount, if any so that all benefits
that are accelerated as a result of the acquisition will not be subject to any
&#147;golden parachute taxes&#148; that may be assessed pursuant to Section&nbsp;280G of the
Internal Revenue Code.
</FONT>
<!-- link1 "Independent Accountants" -->
<DIV align="left"><A NAME="008"></A></DIV>
<P align="center"><FONT size="2"><B>Independent Accountants</B>
</FONT>

<P align="left"><FONT size="2">The firm of Moss Adams LLP served as certified independent public accountants
for United Security Bancshares with respect to the year 2002, and Moss Adams
LLP has been appointed as United Security Bancshares&#146; certified independent
public accountants for 2003. United Security Bancshares&#146; board has determined
the firm of Moss Adams LLP to be fully independent of the operations of United
Security Bancshares.
</FONT>
<P align="left"><FONT size="2">Aggregate fees billed by Moss Adams LLP to United Security Bancshares for the
year ended 2002 are as follows:
</FONT>
<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="55%">
<TR valign="bottom">
    <TD width="67%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="13%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="14%">&nbsp;</TD>
</TR>
<TR valign="bottom" bgcolor="#eeeeee">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Audit fees</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">60,660</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Tax preparation</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">8,000</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom" bgcolor="#eeeeee">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Other services</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">1,500</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P align="left"><FONT size="2">Moss Adams LLP audited United Security Bancshares&#146; financial statements for the
year ended December&nbsp;31, 2002. It is anticipated that a representative of Moss
Adams LLP will be present at the meeting and will be available to respond to
appropriate questions from shareholders at the meeting.
</FONT>
<P align="center"><FONT size="2"><B>Shareholder Proposals</B>
</FONT>

<!-- link1 "Shareholder Proposals" -->
<DIV align="left"><A NAME="009"></A></DIV>
<P align="left"><FONT size="2">Shareholder proposals to be submitted for presentation at the 2004 annual
meeting of shareholders of United Security Bancshares must be received by
United Security Bancshares no later than December&nbsp;31, 2003.
</FONT>
<P align="center"><FONT size="2"><B>Certain Transactions</B>
</FONT>

<!-- link1 "Certain Transactions" -->
<DIV align="left"><A NAME="010"></A></DIV>
<P align="left"><FONT size="2">Some of the directors and executive officers of United Security Bancshares and
their immediate families, as well as the companies with which they are
associated, are customers of, or have had banking transactions with, United
Security Bank in the ordinary course of United Security Bank&#146;s business, and
United Security Bank expects to have banking transactions with such persons in
the future. In management&#146;s opinion, all loans and commitments to lend in such
transactions were made in compliance with applicable laws and on substantially
the same terms, including interest rates and collateral, as those prevailing
for comparable transactions with other persons of similar creditworthiness and
in the opinion of management did not involve more than a normal risk of
collectibility or present other unfavorable features.
</FONT>
<P align="center"><FONT size="2">18</FONT>
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<P align="center"><FONT size="2"><B>Other Matters</B>
</FONT>

<!-- link1 "Other Matters" -->
<DIV align="left"><A NAME="011"></A></DIV>
<P align="left"><FONT size="2">Management does not know of any matters to be presented at the meeting other
than those set forth above. However, if other matters come before the meeting,
it is the intention of the persons named in the accompanying proxy to vote the
shares represented by the proxy in accordance with the recommendations of
management on such matters, and discretionary authority to do so is included in
the proxy.
</FONT>
<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
    <TD width="50%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="50%"><FONT size="2"><B>United Security Bancshares</B></FONT></TD>
</TR>
</TABLE>
<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">
<TR valign="bottom">
    <TD width="48%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="50%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">Dated:&nbsp;April&nbsp;15,&nbsp;2003</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Robert G. Bitter, Secretary</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P align="left"><FONT size="2"><B>It is very important that every shareholder vote. We urge you to sign and
return the enclosed proxy as promptly as possible, whether or not you plan to
attend the meeting in person. In order to facilitate the providing of adequate
accommodations, please indicate on the proxy whether or not you expect to
attend the meeting.</B>
</FONT>
<P align="left"><FONT size="2"><B>A copy of United Security Bancshares&#146; annual report to the Securities and
Exchange Commission on Form&nbsp;10-K for the year ended December&nbsp;31, 2002 is
available without charge upon written request to Mr.&nbsp;Ken Donahue at 1525 East
Shaw Avenue, Fresno, California, 93710.</B>
</FONT>
<P align="center"><FONT size="2">19</FONT>
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<P align="left"><FONT size="2"><B>Exhibit&nbsp;A</B>
</FONT>

<P align="center"><FONT size="2"><B>Audit Committee Charter<BR>
United Security Bancshares</B>
</FONT>

<P align="left"><FONT size="2">The purpose of the Audit Committee is to assist the Board of Directors in its
oversight of (1)&nbsp;the integrity of the financial reporting of the Bank, (2)&nbsp;the
independence and performance of the Bank&#146;s external and internal auditors, and
(3)&nbsp;the Bank&#146;s compliance with legal and regulatory requirements. In order to
establish the governing principles of the Audit Committee, the Board of
Directors hereby adopts this Charter, as amended, on September&nbsp;24, 2002.
</FONT>
<P align="center"><FONT size="2"><B>Structure and Membership</B>
</FONT>

<P align="left"><FONT size="2">The Audit Committee will be composed of not less than three members of the
Board. Committee membership will be comprised solely of independent directors,
each of whom is able to read and understand Bank financial statements and
reports.
</FONT>
<P align="center"><FONT size="2"><B>Scope of Responsibilities</B>
</FONT>

<P align="left"><FONT size="2">The Audit Committee shall have the authority to retain special legal,
accounting, or other consultants to advise or inform the Committee. The Audit
Committee may request any officer or employee of the Bank, or the Bank&#146;s
outside counsel, or independent auditors to attend a meeting of the Audit
Committee or to meet with any members of, or consultants to, the Committee.
</FONT>
<P align="left"><FONT size="2">On behalf of the Board, the Audit Committee will carry out the following
responsibilities.
</FONT>
<P align="left"><FONT size="2"><B><I>Audit Committee Charter</I></B>
</FONT>

<P align="left"><FONT size="2">1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In keeping with Nasdaq Rule&nbsp;4350(d)(1), the Audit
Committee will review and
reassess the adequacy of this Charter not less than annually. In conducting
this annual review, the Committee will assess compliance with Nasdaq Rule&nbsp;4350,
and appropriate banking regulations regarding Committee composition,
independence, and scope of responsibilities.
</FONT>
<P align="left"><FONT size="2">2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Results of the Committee&#146;s review of its Charter,
and any appropriate
updates, will be duly reported to the full Board.
</FONT>
<P align="left"><FONT size="2"><B><I>Audit Process</I></B>
</FONT>
<P align="left"><FONT size="2">The independent auditors are ultimately accountable to the Audit Committee and
the Board. The Audit Committee is responsible for selecting, evaluating, or
replacing the independent auditors.
</FONT>
<P align="left"><FONT size="2">3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Committee will monitor all components of the audit
process, serving as
the primary link between the auditors and the full Board. This includes the
independent public accountants, as well as, third-party internal auditors
engaged for operational, compliance, and information systems audits or reviews.
</FONT>
<P align="left"><FONT size="2">4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In carrying out this responsibility, the Committee
will schedule regular,
independent meetings with all audit representatives, ensuring timely review,
approval and monitoring of a comprehensive Annual Audit Plan.
</FONT>
<P align="center"><FONT size="2">1</FONT>
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<P align="left"><FONT size="2">5)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In keeping with AICPA Independence Standards, the
Committee will require the
public accounting firm&#146;s annual written disclosure of any and all Bank
relationships that could affect their independence.
</FONT>
<P align="left"><FONT size="2"><B><I>Quality of Financial Reporting</I></B>
</FONT>
<P align="left"><FONT size="2">6)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Committee will schedule review of periodic SEC
filings, the FDIC &#147;Called
Report&#148;, the Federal Reserve Board&#146;s FRY Reports, and the Bank&#146;s Annual Report.
This will be accomplished by reviewing reports and information provided by
Management, including financial statements, changes in financial policies,
variations between budgeted and actual numbers, and responses to various
outside audit recommendations.
</FONT>
<P align="left"><FONT size="2">7)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Independent discussions will then be scheduled with
the public accounting
firm, in order to verify management&#146;s compliance. These discussions will focus
on the public accountant&#146;s judgments with regard to the quality of the Bank&#146;s
financial accounting and reporting, as well as, review of trends in accounting
principles and standards.
</FONT>
<P align="left"><FONT size="2"><B><I>Bank Compliance Program</I></B>
</FONT>
<P align="left"><FONT size="2">8)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Committee will appoint a Bank Compliance Officer,
to develop and
administer a comprehensive CRA and Regulatory Compliance Program. In addition,
the Compliance Program will include provision for a compliance audit function
that provides for independent testing and reporting on the effectiveness of
Compliance policies and procedures.
</FONT>
<P align="left"><FONT size="2">9)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Committee will receive periodic reports from the
Compliance Officer on
Bank adherence to laws and regulations.
</FONT>
<P align="left"><FONT size="2"><B><I>Code of Business Conduct and Ethics</I></B>
</FONT>
<P align="left"><FONT size="2">10)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Audit Committee will, at least annually, review
and advise the Board
regarding administration of the Bank&#146;s <I>Code of Business Conduct and Ethics</I>.
</FONT>
<P align="left"><FONT size="2"><B><I>Review of Insurance Programs</I></B>
</FONT>
<P align="left"><FONT size="2">11)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Audit Committee will, at least annually, review
insurance programs from
the standpoint of gaps and exposure, as well as fraud.
</FONT>
<P align="left"><FONT size="2">The function of the Audit Committee is oversight. While the Audit Committee
has the responsibilities and powers set forth in this Charter, it is not the
duty of the Audit Committee to plan or conduct audits, or to determine that the
Bank&#146;s financial statements are complete and accurate and are in accordance
with generally accepted accounting principles. This is the responsibility of
management and the independent auditors. It is also not the duty of the Audit
Committee to conduct investigations, to resolve disagreements, if any, between
management and the independent auditors, or to ensure compliance with laws and
regulations, or the Bank&#146;s Code of Business Conduct and Ethics.
</FONT>
<P align="center"><FONT size="2"><B>Committee Minutes</B>
</FONT>

<P align="left"><FONT size="2">The Audit Committee will keep minutes, and other relevant records, of all its
meetings. The minutes of all meetings will be submitted to the Board of
Directors.
</FONT>

<P align="center"><FONT size="2">2</FONT>




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<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="95%">
<TR valign="bottom">
    <TD width="36%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="59%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2"><BR><BR><B>Proxy <BR><br>
United Security Bancshares</B></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
<B>This proxy is solicited on behalf of the board
of directors.</B> The undersigned hereby appoints
Tom Ellithorpe, Ronnie D. Miller and John
Terzian as proxyholders with full power of
substitution, to represent, vote and act with
respect to all shares of common stock of United
Security Bancshares which the undersigned would
be entitled to vote at the meeting of
shareholders to be held on May&nbsp;21, 2003 at 7:00
p.m., at the head offices of United Security
Bank, located at 2151 West Shaw Avenue, Fresno,
California or any adjournments thereof, with
all the powers the undersigned would possess if
personally present as follows:</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
    <TD width="1%" align="left" nowrap><FONT size="2">1.</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="96%"><FONT size="2">Election of eight (8)&nbsp;persons to be directors.</FONT></TD>
</TR>
</TABLE>
<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="55%">
<TR valign="bottom">
    <TD width="61%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="34%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">Robert G. Bitter, Pharm. D.</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Walter Reinhard</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">Stanley J. Cavalla</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
John Terzian</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">Tom Ellithorpe</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Bobbi Thomason</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">Ronnie D. Miller</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Dennis R. Woods</FONT></TD>
</TR>
</TABLE>
</CENTER>
<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="90%">
<TR valign="bottom">
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="57%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="28%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">&#091;&nbsp;&nbsp;&#093;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
FOR ALL NOMINEES LISTED ABOVE
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&#091;&nbsp;&nbsp;&#093;
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">WITHHOLD AUTHORITY</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
(except as marked to the contrary below)</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>
<TR valign="top">
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(INSTRUCTION: To withhold authority to vote for any individual
nominee,
write that nominee&#146;s name on the space below:)</FONT></TD>
</TR>
</TABLE>
<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>
</TABLE>
<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
    <TD width="1%" align="left" nowrap><FONT size="2">2.</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="96%"><FONT size="2">Transaction of such other business as may properly come before the
meeting and any adjournment or adjournments thereof.</FONT></TD>
</TR>
</TABLE>
<P align="center"><FONT size="2">&nbsp;</FONT>
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<P align="center"><FONT size="2"><B>Please Sign and Date Below</B>
</FONT>

<P align="left"><FONT size="2"><B>The board of directors recommends a vote &#147;FOR&#148; each of the directors
named
above. </B>The proxy confers authority to vote and shall be voted in accordance
with such recommendation unless a contrary instruction is indicated, in which
case, the shares represented by the proxy will be voted in accordance with such
instruction. <B>If no instruction is specified with respect to the matter to be
acted upon, the shares represented by the proxy will be voted in accordance
with the recommendations of management. If any other business is presented at
the meeting, this proxy confers authority to and shall be voted in accordance
with the recommendations of management.</B>
</FONT>
<P align="left"><FONT size="2">(Please date this proxy and sign your name exactly as it appears on your stock
certificate. Executors, administrators, trustees, etc., should give their full
title. 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 an authorized person. All joint owners should sign.)
</FONT>
<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="80%">
<TR valign="bottom">
    <TD width="4%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="21%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="10%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="40%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2"><B>&#091;</B>&nbsp;&nbsp;<B>&#093;</B></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
<B>I</B>&nbsp;<B>Do</B>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2"><B>&#091;</B>&nbsp;&nbsp;<B>&#093;</B>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2"><B>I Do Not</B>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2"><B>Expect to Attend
the Meeting.</B></FONT></TD>
</TR>
</TABLE>
</CENTER>
<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="95%">
<TR valign="bottom">
    <TD width="65%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">
<HR size="1" noshade>
(Number of Shares)</FONT></TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">
<HR size="1" noshade>
(Please Print Your Name)</FONT></TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">
<HR size="1" noshade>
(Please Print Your Name)</FONT></TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">
<HR size="1" noshade>
(Date)</FONT></TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">
<HR size="1" noshade>
(Signature of Shareholder)</FONT></TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">
<HR size="1" noshade>
(Signature of Shareholder)</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P align="left"><FONT size="2"><B>This proxy is solicited on behalf of the board of directors and may be revoked
prior to its exercise by filing with the secretary of United Security
Bancshares a duly executed proxy bearing a later date or an instrument revoking
this proxy or by attending the meeting and voting in person.</B>
</FONT>

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