EXHIBIT 3.1
 
                            ARTICLES OF INCORPORATION
                                       OF
                                COMMUNITY BANCORP
 
      I, the undersigned, for the purpose of incorporating and organizing a
corporation under Chapter 78 of the Nevada Revised Statutes, do hereby certify
as follows:
 
      FIRST: The name of the corporation (hereinafter called the Corporation) is
Community Bancorp.
 
      SECOND: The name and street address of the Corporation's Resident Agent in
the State of Nevada is Cathy Robinson, 1400 South Rainbow Boulevard, Las Vegas,
Nevada 89146.
 
      THIRD. The nature of the business or purposes of the Corporation is to
engage in any lawful act or activity for which a corporation may be organized
under the Nevada Revised Statutes.
 
      FOURTH. The Corporation shall have authority to issue Two Million
(2,000,000) shares of Common Stock, without par value. Each share of the Common
Stock shall have identical powers, preferences and rights, including rights in
liquidation. Each holder of Common Stock shall be entitled to one vote for each
share of stock standing in his or her name on the books of the Corporation.
Neither the Common Stock nor any other class of security of the Corporation
shall be entitled to preemptive rights. Holders of Common Stock shall not be
entitled to cumulate their votes in the election or removal of directors or
otherwise.
 
      FIFTH. The name and mailing address of the Incorporator is Cathy Robinson
of 1400 South Rainbow Boulevard, Las Vegas, Nevada 89146. The powers and
liabilities of the Incorporator terminate upon filing of these Articles of
Incorporation.
 
      SIXTH. The members of the governing Board of the Corporation shall be
styled "Directors" and their number shall be no fewer than 5 nor more than 25.
The Board of Directors of the Corporation shall be expressly vested with the
power to increase or decrease the number of such Directors within the limits
above stated, except that no decrease in the number of Directors shall prevent
any incumbent Director from serving the balance of the term for which he or she
is duly elected or appointed, unless he or she is removed from office. All
vacancies, including those caused by an increase in the number of Directors, may
be filled by a vote of the majority of the remaining Directors, though less than
a quorum. The Directors appointed to fill any vacancy shall serve until the next
annual meeting of Stockholders, and until their successors have been elected and
qualified.
 
      The first Board of Directors of the Corporation shall consist of seven
members, whose names and addresses are as follows:
 
<TABLE>
<CAPTION>
Name of Initial Director                              Address
------------------------        -----------------------------------------------------
<S>                             <C>
Noall J. Bennett                1400 South Rainbow Boulevard, Las Vegas, Nevada 89146
 
Jacob Bingham                   1400 South Rainbow Boulevard, Las Vegas, Nevada 89146
 
Edward M. Jamison               1400 South Rainbow Boulevard, Las Vegas, Nevada 89146
 
Shamim N. Nagy                  1400 South Rainbow Boulevard, Las Vegas, Nevada 89146
 
Charles R. Norton               1400 South Rainbow Boulevard, Las Vegas, Nevada 89146
 
Gary W. Stewart                 1400 South Rainbow Boulevard, Las Vegas, Nevada 89146
 
Russell C. Taylor               1400 South Rainbow Boulevard, Las Vegas, Nevada 89146
</TABLE>
 
      SEVENTH. The Corporation shall have perpetual existence.
 
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      EIGHTH. The stockholders, officers, and directors of the Corporation shall
not be personally liable for the payment of the Corporation's debts except as
they may be liable by reason of their own conduct or acts. The capital stock of
the Corporation, when issued and delivered, shall be conclusively deemed to have
been paid for in full, and shall not be subject to assessment to pay the debts
of the Corporation, or for any other reason, after the subscription price has
been paid.
 
      NINTH. The Board of Directors is expressly authorized and empowered to
make, alter, and repeal the Bylaws of the Corporation, subject to the power of
the stockholders of the Corporation to alter or repeal any Bylaws of the
Corporation.
 
      TENTH. The Corporation reserves the right at any time and from time to
time to amend, alter, change, or repeal any provision contained in the Articles
of Incorporation and add or insert any other provision authorized by the laws of
the State of Nevada in the manner now or hereafter prescribed by law. All
rights, preferences, or privileges of whatever nature conferred upon
stockholders, directors, or any other persons whomsoever by and pursuant to
these Articles of Incorporation in its present form or as hereafter amended are
granted subject to the rights now reserved in this Article.
 
      ELEVENTH. Meetings of stockholders may be held within or without the State
of Nevada as the Bylaws of the Corporation may provide. The time and manner of
holding stockholders' meetings and the purpose(s) and method of conducting
business at stockholders' meetings shall be as provided in the Bylaws. Election
of directors need not be by written ballot unless the Bylaws of the Corporation
so provide.
 
      TWELFTH. (a) Every person who was or is a party, or is threatened to be
made party to or is involved in any action, suit or proceeding, whether civil,
criminal, administrative, or investigative, by reason of the fact that he or she
or a person of whom he or she is the legal representative is or was a director
or officer of the Corporation, or is or was serving at the request of the
Corporation as a director or officer of another corporation, or as its
representative in a partnership, joint venture, trust, or other enterprise,
shall be indemnified and held harmless to the fullest extent legally permissible
under the laws of the State of Nevada against all expenses, liability, and loss
(including attorneys' fees, judgments, fines, and amounts paid or to be paid in
settlement) reasonably incurred or suffered by him or her in connection
therewith, except that there shall be no indemnification if indemnification is
not permitted under section 1828(k) of Title 12 of the United States Code and
the implementing regulations thereunder. The right of indemnification granted
hereby shall be a contract right enforceable in any manner desired by the person
entitled to indemnification. The right of indemnification granted hereby shall
not be exclusive of any other right directors, officers, or representatives may
have or hereafter acquire, and without limiting the generality of the foregoing
they shall be entitled to their respective rights of indemnification under any
bylaw, agreement, vote of stockholders, provision of law, or otherwise, as well
as their rights under this Article.
 
      (b) Expenses of directors and officers incurred in defending a civil or
criminal action, suit, or proceeding by reason of any act or omission of such
director or officer acting as a director or officer shall be paid by the
Corporation as they are incurred and in advance of the final disposition of the
action, suit, or proceeding, upon receipt of any undertaking by or on behalf of
the director or officer to repay the amount if it is ultimately determined by a
court of competent jurisdiction that he or she is not entitled to be indemnified
by the Corporation.
 
      (c) Without limiting the application of the foregoing, the Board of
Directors may adopt bylaws from time to time with respect to indemnification, to
provide at all times the fullest indemnification permitted by the laws of the
State of Nevada, except as limited by section 1828(k) of Title 12 of the United
States Code and the implementing regulations thereunder, and may cause the
Corporation to purchase and maintain insurance or make other financial
arrangements on behalf of any person who is or was a director or officer of the
Corporation, or is or was serving at the request of the Corporation as a
director or officer of another corporation, or as its representative in a
partnership, joint venture, trust, or other enterprise against any
 
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liability asserted against such person and incurred in any such capacity or
arising out of such status, to the fullest extent permitted by the laws of the
State of Nevada, except as limited by section 1828(k) of Title 12 of the United
States Code and the implementing regulations thereunder, regardless of whether
the Corporation would have the power to indemnify such person.
 
      (d) The indemnification and advancement of expenses provided in this
Article shall continue for a person who has ceased to be a director, officer,
employee, or agent, and shall inure to the benefit of the heirs, executors, and
administrators of such person.
 
      THIRTEENTH. This Corporation shall not be governed by Nevada Revised
Statutes sections 78.411 to 78.444, inclusive.
 
      I, THE UNDERSIGNED, being the sole incorporator hereinbefore named, for
the purpose of forming a corporation pursuant to Chapter 78 of the Nevada
Revised Statutes, do hereby make this certificate, hereby declaring and
certifying that this is the act and deed of the undersigned and that the facts
stated herein are true, and accordingly have hereunto set my hand on the 18th
day of March, 2002.
 
                                                 /s/ Cathy Robinson
                                                 -------------------
 
                                                 Cathy Robinson, Incorporator