EXHIBIT 99.1

                           THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF
                           DIRECTORS. The undersigned hereby appoints Messrs.
                           Robert D. Lawrence, Gary A. Podesto and Michael K.
                           Repetto as proxies with full power of substitution,
                           to represent, vote and act with respect to all shares
                           of common stock of Service 1st Bank (the "Bank")
            PROXY          which the undersigned would be entitled to vote at
                           the annual meeting of shareholders to be held on May
      SERVICE 1ST BANK     29, 2003, at 6:00 p.m., at Service 1st Bank's Tracy
                           office, 60 West 10th Street, Tracy, California, or
                           any postponements or adjournments of the annual
                           meeting, with all the powers the undersigned would
                           possess if personally present, including authority to
                           cumulate votes represented by the shares covered by
                           this proxy in the election of directors, as follows:

1.       Election of the twelve (12) persons named below as directors.
         John O. Brooks           Frances C. Mizuno        Michael K. Repetto
         Eugene C. Gini           Richard R. Paulsen       Anthony F. Souza
         Bryan R. Hyzdu           Gary A. Podesto          Albert Van Veldhuizen
         Robert D. Lawrence       Toni Marie Raymus        Donald L. Walters

            [ ]  FOR ALL NOMINEES LISTED ABOVE    [ ]  WITHHOLD AUTHORITY
                 (except as marked to the              (to vote for all nominees
                 contrary below)                       listed above)

(INSTRUCTION:     To withhold authority to vote for any individual nominee or
                  nominees write the nominee name or names on the space
                  provided)

                  --------------------------------------------------------------

2.       To consider and vote on a proposal to approve a plan of reorganization
         and merger agreement, dated as of March 11, 2003, among Service 1st
         Bank, Service 1st Bancorp, a newly formed bank holding company, and
         Service 1st Merger Corporation, a wholly-owned subsidiary of Service
         1st Bancorp, and the merger of Service 1st Merger Corporation into
         Service 1st Bank with Service 1st Bank surviving the merger to become a
         wholly-owned subsidiary of Service 1st Bancorp.

              [ ]  FOR               [ ]  AGAINST               [ ]  ABSTAIN

3.       Ratification of the appointment of Vavrinek, Trine, Day & Co., LLP as
         Service 1st Bank's independent public accountants for the year 2003.

              [ ]  FOR               [ ]  AGAINST               [ ]  ABSTAIN

4.       In their discretion, the proxies are authorized to vote upon such other
         business as may properly come before the annual meeting and any and all
         postponements or adjournments of the annual meeting.


                           PLEASE SIGN AND DATE BELOW

THIS PROXY, WHEN PROPERLY EXECUTED, WILL BE VOTED IN THE MANNER DIRECTED HEREIN
BY THE UNDERSIGNED SHAREHOLDER. IF NO DIRECTION IS MADE, THIS PROXY WILL BE
VOTED "FOR" ELECTION OF ALL THE DIRECTORS NOMINATED AND NAMED IN THE PROXY
STATEMENT-PROSPECTUS, "FOR" APPROVAL OF A PLAN OF REORGANIZATION AND MERGER
AGREEMENT, DATED AS OF MARCH 11, 2003, AMONG SERVICE 1ST BANK, SERVICE 1ST
BANCORP, A NEWLY FORMED BANK HOLDING COMPANY, AND SERVICE 1ST MERGER
CORPORATION, A WHOLLY-OWNED SUBSIDIARY OF SERVICE 1ST BANCORP, AND THE MERGER OF
SERVICE 1ST MERGER CORPORATION INTO SERVICE 1ST BANK WITH SERVICE 1ST BANK
SURVIVING THE MERGER TO BECOME A WHOLLY-OWNED SUBSIDIARY OF SERVICE 1ST BANCORP,
AND "FOR" RATIFICATION OF THE APPOINTMENT OF VAVRINEK, TRINE, DAY & CO., LLP, AS
INDEPENDENT PUBLIC ACCOUNTANTS FOR THE YEAR 2003. IF ANY OTHER BUSINESS IS
PRESENTED AT THE ANNUAL MEETING OR ANY POSTPONEMENTS OR ADJOURNMENTS OF THE
ANNUAL MEETING, THIS PROXY CONFERS AUTHORITY TO AND SHALL BE VOTED IN ACCORDANCE
WITH THE RECOMMENDATIONS OF MANAGEMENT.

(Please date this Proxy and sign your name exactly as it appears on your stock
certificates. Executors, administrators, trustees, etc., should give their full
title. If a corporation, please sign full corporate name by the president or
other authorized officer. If a partnership, please sign in partnership name by
an authorized person. All joint owners should sign.)

     [ ]  I DO EXPECT TO ATTEND THE         [ ]  I DO NOT EXPECT TO ATTEND THE
          MEETING                                MEETING

     ___________________________________     ___________________________________
           (Number of Shares)                           (Date)

     ___________________________________     ___________________________________
          (Please Print Your Name)               (Signature of Shareholder)

     ___________________________________     ___________________________________
          (Please Print Your Name)               (Signature of Shareholder)


--------------------------------------------------------------------------------
THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS AND MAY BE REVOKED
PRIOR TO ITS EXERCISE BY FILING WITH THE SECRETARY OF THE BANK A DULY EXECUTED
PROXY BEARING A LATER DATE OR AN INSTRUMENT REVOKING THIS PROXY OR BY ATTENDING
THE MEETING AND VOTING IN PERSON.
--------------------------------------------------------------------------------