ORANGE COUNTY EARNINGS

Eldorado Bancshares Inc.: The Laguna Hills parent company of Eldorado Bank and Antelope Valley Bank posted net income of $1.1 million, or 9 cents a share, for the first quarter, down 39% from the $1.8 million, or 15 cents a share, for the same period in 1998. Total assets declined 7% to $1.3 billion from $1.4 billion. The company attributed the earnings decline to costs resulting from its acquisition of Antelope Valley Bank.