Westamerica is a bank holding company. Through its subsidiary bank, Westamerica Bank (the Bank), Co. provides a range of banking services to individual and commercial customers in Northern and Central California. The principal communities served are located in Northern and Central California, from Mendocino, Lake and Nevada Counties in the north to Kern County in the south. Co.'s focus is on the banking needs of small businesses. In addition, the Bank owns the capital stock of Community Banker Services Corporation, a company engaged in providing Co. and its subsidiaries with data processing services and other support functions.