Exhibit 99.2

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Keefe, Bruyette & Woods

Community Bank Conference

July 26, 2005

This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 regarding the future results and performance of WSBA. These forward-looking statements involve risks and uncertainties and actual results could differ materially from those predicted in any such forward-looking statements. Factors that could cause results to differ include risks that are outlined in detail in the Company’s SEC filings. Please refer to WSBA’s periodic reports that are filed with the Securities and Exchange Commission, including our annual report on Form 10-K for the fiscal year ended December 31, 2003 and our quarterly report on Form 10-Q for the most recent fiscal quarter.

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WESTERN SIERRA
BANCORP

NASD: “WSBA”

Over $1.2 Billion
Assets

Premier multi-bank

holding company in

the Sacramento

region

[LOGO]

Western Sierra Bancorp

[LOGO]		Western Sierra Bank $560M in Assets
		12 branches operating in Sacramento, El Dorado, Placer Counties

[LOGO]		Central California Bank $425M in Assets
		12 branches operating in San Joaquin, Stanislaus, Calaveras, Amador, Tuolumne, Contra Costa Counties

[LOGO]		Auburn Community Bank $140M in Assets
		2 branches operating in Placer County

[LOGO]		Lake Community Bank $115M in Assets
		2 branches operating in Lake County

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Our Formula For Success

• Outstanding Asset Quality		• A Strong Efficiency Ratio

• Consistent Loan and Asset Growth		• Consistent EPS Growth

• Strong Net Interest Margin		• Operating in Growing Markets

• Low Operating Expenses		• History of Successful M & A Integrations

The Market Opportunity

• Diversified Market

• Strong, Stable & Affordable Housing Market

• Available land provides opportunity for growth and expansion

• Strong & Stable Commercial Real Estate

• Fastest Growing Community Bank in the Region

• Continued migration of jobs and population from the Bay Area

• Pockets of hyper growth in sub markets represent excellent Branch denovo opportunities

• Numerous Community Banks represent potential partnership opportunities

Sacramento Regional Economy

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Employment Growth in the Sacramento Region

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WSBA M&A History WSBA M&A History – A Proven Track Record

Target	Date Completed	Deal Value		Total Assets		Operating Status
		($M)		($M)

Lake Community	4/99	$	18.4	$	86	Stand Alone
Roseville 1st	4/99	$	8.8	$	51	Merged with WSNB
Sentinel Community	5/00	$	10.8	$	94	Merged with CCB
Central California (“CCB”)	4/02	$	9.2	$	62	Stand Alone
Central Sierra (“CSB”)	7/03	$	21.3	$	148	Merged with CCB
Auburn Community	12/03	$	22	$	92	Stand Alone

Assets
($ in millions)

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Internal And Acquired Growth 1997 to 2004 (in Millions)

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Total Deposits
($ in millions)

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Deposits Mix

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Gross Loans

($ in millions)

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Loan Mix

(as of 12/31/04)

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Loans / Assets

($ in millions)

[CHART]

Charge Offs and Provisions / Avg Loans

[CHART]

Non Performing / Avg Assets

[CHART]

Net Interest Margin

(Fully Tax Equivalent)

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Revenue and Expense Per Share

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Efficiency Ratio

Excluding Merger Costs

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Pre tax Income Per Employee

In 000’s Excluding Merger Costs

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Assets per Employee in Millions

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Operating Expense * / Avg Assets

* Excludes merger costs and mtg. commissions that do not generate assets

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Net Income (GAAP)

Excluding Merger Costs

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Diluted Earnings Per Share

Excluding Merger Costs

[CHART]

Diluted Earnings Per Share

Excluding Merger Costs

[CHART]

* Excludes Merger and one-time REIT charge.

Return on Equity

Excluding Merger Costs

[CHART]

Return on Assets

Excluding Merger Costs

[CHART]

Analyst Coverage

	RBC Capital		Sandler O’Neill		Hoefer & Arnett		First Tenn.		Average
Last Report	19-Jul-05		19-Jul-05		19-Jul-05		19-Jul-05
Analyst	Joe Morford		Ramsey Gregg		Don Worthington		Kenneth James
Rating	Sector Perform		Buy		Buy		Buy
Price Target	$	39.00	$	40.00	$	40.00	$	41.00	$	40.00
2005 EPS Est.	$	2.23	$	2.23	$	2.23	$	2.23	$	2.23
2006 EPS Est.	$	2.53	$	2.57	$	2.60	$	2.57	$	2.57

Valuation

Price @ 7/19/05	$	35.11
Book Value Per Share	$	15.53
Tangible Book Value Per Share	$	11.19
Price to Book	2.26		x
Price to Tangible Book	3.14		x
2005 Est. Price/Earnings	15.7		x
2006 Est. Price/Earnings	13.7		x

THREE SOURCES OF FUTURE GROWTH

Organic Growth
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• De Novo Branching

• Mergers & Acquisitions

	Objectives

	Net Interest Margin > 5.1%

[GRAPHIC]	Efficiency Ratio 52%-56%

	Asset Quality – Top of Peer Group

Contact Information:

Gary D. Gall
President / CEO
Phone (530) 677-5694
Email: ggall@wsnb.com

Anthony J. Gould
Chief Financial Officer
Phone (530) 698-2234
Email: agould@wsnb.com

WESTERN SIERRA BANCORP 8-K