Exhibit 10.4 Employment Agreement between David P. Marchetti, Sr. and Security Savings Association of Hazleton

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                                  Exhibit 10.4

              Employment Agreement between Xxxxx X. Xxxxxxxxx, Xx.
                  and Security Savings Association of Hazleton

                                                        

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Exhibit 10.4

         Xx.  Xxxxxxxxx'x  Employment  Agreement  is the same as the  Employment
Agreement in Exhibit 10.3,  which is incorporated  herein by reference except as
to:  (i) the  name of the  signatory,  which is  Xxxxx  X.  Xxxxxxxxx;  (ii) the
position  in Section 1, which is Vice  President  and Chief  Operating  Officer;
(iii) the signatory for the Association,  which is Xxxxxxx X. Xxxxxxx;  (iv) the
guarantor for the Company,  which is Xxxxxxx X.  Xxxxxxx;  and (v) the amount of
the base salary in Section 3(a), which is $75,000.