Subject: File No. S7-14-10
From: Michelle Martinich
Affiliation: CFO, American Riviera Bank

August 18, 2010

As a small community bank, we stive for effective communication with our shareholders. But, many of our shareholders purchase their shares through IRA plans. The current SEC process does not give us access to these names since they are 'street name'. The ability to access these holders of our stock would allow for increased communication and stronger relationships with our shareholder base.