CONSENT OF DAIN RAUSCHER WESSELS
We hereby consent to the inclusion of our opinion letter dated [EFFECTIVE DATE]
to the Board of Directors of Tehama Bancorp ("THMB") as Annex B to the
Registration Statement on Form S-4 ("Registration Statement") of Humboldt
Bancorp ("HBEK") and to all references to our firm and such opinion in the
Prospectus/Proxy Statement included in such Registration Statement. In giving
such consent, we do not admit that we come within the category of persons whose
consent is required under, and we do not admit and we disclaim that we are
"experts" for purposes of the Securities Act of 1933, as amended, and the rules
and regulations promulgated thereunder.
/s/ DAIN RAUSCHER WESSELS
DAIN RAUSCHER WESSELS
San Francisco, CA
November 13, 2000
