VIB CORP 10-Q

FORM 10-Q DATED JUNE 30, 2002

EXHIBIT 3.1

EXHIBIT 10.22

EXHIBIT 10.23

EXHIBIT 10.24

EXHIBIT 10.25

EXHIBIT 10.26

EXHIBIT 10.27

EXHIBIT 10.28

EXHIBIT 10.29

EXHIBIT 10.30

EXHIBIT 10.31

EXHIBIT 10.32

EXHIBIT 10.33

EXHIBIT 10.34

EXHIBIT 10.35

EXHIBIT 10.36