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ORANGE COUNTY EARNINGS

February 28, 1996

Frontier Bank: The La Palma bank, a subsidiary of Ventura County National Bancorp in Oxnard, reported profit of $1.5 million for 1995, contrasted with a net loss of $740,000 for 1994. Fourth quarter net income totaled $958,000, contrasted with a net loss of $354,000 for the like period a year ago. Total assets as of Dec. 31 were down 1% to $83.6 million from $84.8 million.

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