EXHIBIT 23.5
CONSENT OF SEAPOWER CARPENTER CAPITAL, INC.,
dba CARPENTER AND COMPANY
We hereby consent to the inclusion in the Proxy Statement/Prospectus
forming part of this Pre-Effective Amendment No. 1 to Registration Statement No.
333-36326 on Form S-4 of American River Holdings of our opinion attached thereto
and to the reference to such opinion and to our firm therein. We also confirm
the accuracy in all material respects of the description and summary of such
fairness opinion, the description and summary of our analyses, observations,
beliefs and conclusions relating thereto set forth under the heading "Opinion of
North Coast Bank, N.A.'s Financial Advisor" therein. In giving such consent, we
do not admit (i) that we come within the category of persons whose consent is
required under Section 7 of the Securities Act of 1933 and the rules and
regulations of the Securities and Exchange Commission issued thereunder or (ii)
that we are experts with respect to any part of the Proxy Statement/Prospectus
within the meaning of the term "experts" as used in the Securities Act and the
rules and regulations of the Securities and Exchange Commission promulgated
thereunder.
/s/ Seapower Carpenter Capital, Inc.,
dba Carpenter and Company
July 11, 2000
