EXHIBIT 23.3

CONSENT OF REGISTERED INDEPENDENT PUBLIC ACCOUNTING FIRM

We consent to the incorporation by reference in this Registration Statement on Form S-8, of our Independent Auditors’ Report dated January 27, 2007, regarding the statements of financial condition of Spectrum Bank as of December 31, 2006 and 2005, the related statements of income, changes in shareholders’ equity, and cash flows for the years then ended, which were included in the Company’s Prospectus on Form 424(b)(3), filed on October 15, 2007.

/s/ Vavrinek, Trine, Day & Co., LLP

Vavrinek, Trine, Day & Co., LLP

Laguna Hills, California

January 23, 2008