EXHIBIT 10.25

         Summary of Principal Terms of Employment of Virginia M. Robbins


On January 23, 2006,  the  Company's  Board of Directors  appointed  Virginia M.
Robbins as Executive Vice President,  Chief Operating Officer of the Company and
of its wholly-owned  subsidiary,  The Vintage Bank, effective as of February 10,
2006.


Ms. Robbin's initial annual base salary will be $200,000.  In addition,  she has
an auto allowance of $500.00 per month.  She will also participate in the Bank's
Executive  Officer  incentive plan. The amount of any incentive  compensation is
discretionary  on  the  part  of the  CEO,  subject  to  review  by the  Board's
Compensation Committee.


She also participates in the following benefits:

     o    Group medical and dental insurance effective March 1, 2006;

     o    Group term life insurance and group  disability  insurance,  effective
          March 1, 2006;

     o    Participation in the Bank's profit sharing and 401(k) plans, for which
          she will be  eligible  the first of the  month  following  90-days  of
          full-time employment;

     o    Paid Catastrophic  leave in accordance with the Company's  policies as
          described in the Employee Handbook;

     o    Five  weeks  Paid  Time Off per  year,  accrued  on a  pro-rata  basis
          beginning the first day of the month following date of full-time hire;

     o    Flexible benefits plan (or "cafeteria plan") effective March 1, 2006.


In addition, Ms. Robbins was granted incentive stock options for 5,000 shares of
North Bay Bancorp common stock,  vesting  immediately,  and she will be eligible
for future annual grants of restricted  stock or stock options (or a combination
of the two).