lulu.

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Kubic comes to ECC with more than 30 years of worldwide engineering
and construction experience -- and a distinguished military career.
Prior to 1999, he served as Vice Commander of the Naval Facilities Engineering
Command in Washington, DC.

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lulu. Ever. Kubic has also served as Director of the Naval Facilities Engineering
Command's Strategic Programs Office, Commanding Officer of Naval Mobile
Construction Battalion THREE, Production Officer of Navy Public Works Center
Norfolk, Vice Commander of the Naval Facilities Engineering Command's Atlantic
Division, and Commander of the 22nd Naval Construction Regiment.S .
For more information about ECC, please visit us on the web at:
http://www.5 cents represents a 14."
In 1992, American River Bankshares developed a plan to insure quality and
value for their shareholders, which included semi-annual dividends, stock
dividends and splits and share repurchases .

Web Rings provide a free service that offers easy access to hundreds of thousands of member websites organized by related interests into easy-to-travel Rings.

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Get Your Game On And Join Lulu For a Blog or Two At WWPhilly!

WIZARD WORLD, PHILADELPHIA, Lulu ( http://www. This means
classic titles and the newest releases can be delivered directly to the gaming
customer as either electronic format downloads or professionally printed and
bound books -- Hundreds of products not found in your local game store,
available now for your hard drive or your bookshelf."
Lulu announced its role-playing and adventure gaming catalogue at Wizard
World Philadelphia, one of the largest gaming and comics conventions in the
US., ECC recently announced the
hiring of former Rear Admiral Charles R. In the
mid-1980s, he was selected as a White House Fellow and served on the staff of
President Ronald Reagan's Domestic Policy Council.ecc., American River
Bankshares (Nasdaq: AMRB) announced a quarterly cash dividend of 12.
The quarterly dividend of 12.

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Mr. He will lead the organization in the execution of engineering and
construction projects, including military base civil construction , utilities,
and infrastructure.

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Former US Navy Rear Admiral Joins ECC International LLC to Lead Construction Efforts Worldwide

and M.

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Kubic's proven
leadership, worldwide engineering and construction expertise , and Iraq combat
experience all combine with a dynamic personality capable of the command
decisions required to ensure continued excellence in every project ECC
manages.net. For more information, please call 916-565-6100 or visit http://www.northcoastbank. The
Company's actual results could differ materially from those suggested by such
forward-looking statements.

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com is the industry leader in PDF sales for the adventure games
industry, and now, through Lulu, offers print products as well . "Just as Philadelphia was a beacon of freedom
and independence during the Revolutionary War, Lulu is leading its own
revolution against the tyranny of a fickle publishing industry by giving our
users the tools to self-publish and print-on-demand just about anything that
can be stored on a hard drive . Kubic, P. degrees in civil engineering from Lehigh
University in Pennsylvania, and is a graduate of the Advanced Management
Program at the University of Pennsylvania's Wharton School.2% increase over the
dividends paid for the prior quarter and for the same quarter last year.
"A dividend increase is consistent with our long history of building
shareholder value," said David Taber, president and CEO of American River
Bankshares.

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ABOUT LULU
Founded in 2002, Lulu is the world 's fastest-growing provider of print-on-
demand books for digital do-it-yourselfers.S. SACRAMENTO , Calif.

American River Bankshares is the parent company of American River Bank
("ARB" ), a community business bank serving Sacramento, CA that operates a
family of financial services providers , including North Coast Bank [a division
of "ARB"] in Sonoma County and Bank of Amador [a division of "ARB"] in Amador
County.

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com. ECC is a contracted partner to a variety
of government agencies , including the US Army Corps of Engineers, US Air
Force, and US Navy.

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lulu.
Mr.
Mr.

com;
http://www.bankofamador. The reader of this press
release should understand that all such forward-looking statements are subject
to various uncertainties and risks that could affect their outcome.

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"Lulu is the Internet's version of Philadelphia, circa 1776," said Bob
Young, CEO , Lulu Enterprises. So you can use http://www. Between 1999 and 2002, he
served as Commander of the Pacific Division of the Naval Facilities
Engineering Command and 3rd Naval Construction Brigade in Pearl Harbor, HI.

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com.

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lulu.com/comics . BURLINGAME, Calif. His awards and
commendations for outstanding service to his country include the Legion of
Merit; Defense Meritorious and Meritorious Service medals; Navy Commendation
and Achievement medals; Global War on Terrorism and Armed Forces Expeditionary
medals; and National Defense, Vietnam, Armed Forces, and Humanitarian Service
medals.

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" ECC's Chairman of the Board, Paul Sabharwal, concurred, adding,
"Chuck Kubic will lead with excellence and an absolute unwavering passion for
the success of our people and our clients. Factors that could cause or contribute to such
differences include, but are not limited to, variances in the actual versus
projected growth in assets, return on assets, loan losses, expenses, changes
in the interest environment including interest rates charged on loans, earned
on securities investments and paid on deposits, competition effects, fee and
other non interest income earned, general economic conditions , nationally,
regionally, and in the operating market areas of the Company and its
subsidiaries , changes in the regulatory environment, changes in business
conditions and inflation, changes in securities markets, data processing
problems, a decline in real estate values in the Company's market area, the
conduct of the war on terrorism, the threat of terrorism or the impact of
potential military conflicts and the conduct of war on terrorism by the United
States and its allies, as well as other factors.

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In March 2004, American River
Bankshares further enhanced shareholder value by increasing the frequency of
cash dividends to a quarterly basis.

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Most
recently, retired Rear Admiral Kubic served concurrently as Commander of the
1st Naval Construction Division and 1st Marine Expeditionary Force Engineer
Group during the US-led Operation Iraqi Freedom.
ECC is a leading engineering, construction, environmental, and munitions
response firm with offices worldwide .

fortifications regard

Kubic's role as the President of ECC International is to provide
leadership and strategic direction to the performance of its contracts
worldwide.
According to ECC's President and CEO, Manjiv S."
Mr.

5 cents
per share payable on April 15, 2005 to shareholders of record on April 1,
2005.

focussing regard

Vohra, "Mr. "After reporting another year of record earnings, including an
18 % increase in earnings per share, it just makes sense.

Forward-Looking Statement
In addition to the historical information contained herein, this press
release contains certain forward -looking statements.

chronicling remember

At Wizard World Philly Lulu.com Touts 'Local Game Store' With Thousands Of RPG and Adventure Gaming Products Always In Stock ... No Further Away Than A Mouse

Check out
http://www . They'll be blogging right from the show floor, so you can check out the
action at http://www. Your vision is entirely YOURS.

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com ),
the world's fastest-growing provider of print-on-demand books , is THE PLACE
for role-playing gamers to get the latest in adventure games from independent
publishers and industry leaders like RPGNow. The only place on the web where
you can publish, sell and buy any and all things digital-books, music, comics,
photographs, movies and, well, you get the idea .com
to publish and sell any kind of digital content, and no one here is going to
ask you to change anything. To gain a more complete
understanding of the uncertainties and risks involved in the Company 's
business, this press release should be read in conjunction with the Company's
annual report on Form 10-K for the year ended December 31, 2003, and
subsequent quarterly reports on Form 10Q and current reports on Form 8-K.

augmented depicting

com/browse/index.E., as President of ECC
International, LLC and member of ECC's Board of Directors.comhttp://www.

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RPGNow. Kubic, a licensed professional engineer and Seabee Combat Warfare
Officer, received B.

American River Bankshares Increases Quarterly Cash Dividend

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