EXHIBIT 23.3
INDEPENDENT AUDITORS' CONSENT
We hereby consent to the use in this Pre-Effective Amendment No. 1 to
Registration Statement No. 333-36326 on Form S-4 for American River Holdings of
our report dated February 19, 1999, relating to the financial statements of
North Coast Bank, N.A. for the years ended December 31, 1998 and 1997, and to
the reference to our Firm under the headings "Selected Historical and Pro Forma
Financial Data" and "Experts" in the joint proxy statement/prospectus, which is
part of this Registration Statement.
/s/ RICHARDSON & COMPANY
July 11, 2000
