by Family Bancorp
June 7th, 1996
                                  Exhibit 10(c)

                          Stockholder Agreement, dated
                            as of May 30, 1996, among
                          Peoples Heritage and certain
                             stockholders of Family
                              STOCKHOLDER AGREEMENT

         STOCKHOLDER AGREEMENT, dated as of May 30, 1996, by and among Peoples
Heritage Financial Group, Inc. (the "Acquiror"), a Maine corporation, and
certain stockholders of Family Bancorp (the "Company"), a Massachusetts
corporation, named on Schedule I hereto (collectively the "Stockholders").


         WHEREAS, the Acquiror, Peoples Heritage Merger Corp. (the "Acquiror
Sub") and the Company have entered into an Agreement and Plan of Merger, dated
as of the date hereof (the "Agreement"), which is being executed simultaneously
with the execution of this Stockholder Agreement and provides for, among other
things, the merger of the Company with and into the Acquiror Sub (the "Merger");

         WHEREAS, in order to induce the Acquiror to enter into the Agreement,
each of the Stockholders agrees to, among other things, vote in favor of the
Agreement in his or her capacities as stockholders of the Company;

         NOW, THEREFORE, in consideration of the premises, the mutual covenants
and agreements set forth herein and other good and valuable consideration, the
sufficiency of which is hereby acknowledged, the parties hereto agree as

         1.  OWNERSHIP OF COMPANY COMMON STOCK. Each Stockholder represents and
warrants that the Stockholder has or shares the right to vote and dispose of the
number of shares of common stock of the Company, par value $.10 per share
("Company Common Stock"), set forth opposite such Stockholder's name on Schedule
I hereto.

         2.  AGREEMENTS OF THE STOCKHOLDERS. Each Stockholder covenants and
agrees that:

             (a) such Stockholder shall, at any meeting of the Company's
         stockholders called for the purpose, vote, or cause to be voted, all
         shares of Company Common Stock in which such stockholder has the right
         to vote (whether owned as of the date hereof or hereafter acquired) in
         favor of the Agreement and against any plan or proposal pursuant to
         which the Company is to be acquired by or merged with, or pursuant to
         which the Company proposes to sell all or substantially all of its
         assets and liabilities to, any person entity or group (other than the
         Acquiror or any subsidiary thereof);

             (b) except as otherwise expressly permitted hereby, such
         Stockholder shall not, prior to the meeting of the Company's
         stockholders referred to in Section 2(a) hereof or the earlier
         termination of the Agreement in accordance with its terms, sell,
         pledge, transfer or otherwise dispose of the Stockholder's shares of
         Company Common Stock; and

             (c) such Stockholder shall not in his capacity as a stockholder of
         the Company directly or indirectly encourage or solicit or hold
         discussions or negotiations with, or provide any information to, any
         person, entity or group (other than the Acquiror or an affiliate
         thereof) concerning any merger, sale of substantial assets or
         liabilities not in the ordinary course of business, sale of shares of
         capital stock or similar transactions involving the Company or any
         subsidiary of the Company (provided that nothing herein shall be deemed
         to affect the ability of any Stockholder to fulfill his duties as a
         director or officer of the Company).

         Each Stockholder further agrees that the Company's transfer agent shall
be given an appropriate stop transfer order and shall not be required to
register any attempted transfer of shares of Company Common Stock, unless the
transfer has been effected in compliance with the terms of this letter

         3.  SUCCESSORS AND ASSIGNS. A Stockholder may sell, pledge, transfer or
otherwise dispose of his shares of Company Common Stock, provided that, with
respect to any sale, transfer or disposition which would occur on or before the
meeting of the Company's stockholders referred to in Section 2(a) hereof, such
Stockholder obtains the prior written consent of the Acquiror and that any
acquiror of such Company Common Stock agree in writing to be bound by the terms
of this Stockholder Agreement.

         4.  TERMINATION. The parties agree and intend that this Stockholder
Agreement be a valid and binding agreement enforceable against the parties
hereto and that damages and other remedies at law for the breach of this
Stockholder Agreement are inadequate. This Stockholder Agreement may be
terminated at any time prior to the consummation of the Merger by mutual written
consent of the parties hereto and shall be automatically terminated in the event
that the Agreement is terminated in accordance with its terms.

         5.  NOTICES. Notices may be provided to the Acquiror and the
Stockholders in the manner specified in Section 8.4 of the Agreement, with all
notices to the Stockholders being provided to them at the Company in the manner
specified in such section.

         6.  GOVERNING LAW. This Stockholder Agreement shall be governed by the
laws of the State of Maine without giving effect to the principles of conflicts
of laws thereof.

         7.  COUNTERPARTS. This Stockholder Agreement may be executed in one or
more counterparts, all of which shall be considered one and the same and each of
which shall be deemed an original.

         8.  HEADINGS AND GENDER. The Section headings contained herein are for
reference purposes only and shall not affect in any way the meaning or
interpretation of this Stockholder Agreement. Use of the masculine gender herein
shall be considered to represent the masculine, feminine or neuter gender
whenever appropriate.

         IN WITNESS WHEREOF, the Acquiror, by a duly authorized officer, and
each of the Stockholders have caused this Stockholder Agreement to be executed
as of the day and year first above written.

                                     PEOPLES HERITAGE FINANCIAL
                                      GROUP, INC.

                                     By: /s/ William J. Ryan
                                         Name:  William J. Ryan
                                         Title: Chairman, President and Chief
                                                  Executive Officer

                                     COMPANY STOCKHOLDERS:

                                     /s/ John E. Veasey
                                     John E. Veasey

                                     /s/ Elkin B. McCallum
                                     Elkin B. McCallum

                                     /s/ David D. Hindle
                                     David D. Hindle

                                     /s/ George E. Fahey
                                     George E. Fahey

                                                   /s/ Ronald G. Trombley
                                                   Ronald G. Trombley

                                                   /s/ Bruce Fenn, III
                                                   Bruce Fenn, III

                                                   /s/ David J. LaFlamme
                                                   David J. LaFlamme

                                                   /s/ Kenneth L. Paul
                                                   Kenneth L. Paul

                                                   /s/ Charles George, Jr.
                                                   Charles George, Jr.

                                   SCHEDULE I

Number of Shares of Company Common Stock Name of Stockholder Beneficially Owned - - ---------------------------- -------------------- John E. Veasey 120,962 Elkin B. McCallum 57,150 David D. Hindle 28,122 George E. Fahey 23,859 Ronald G. Trombley 21,983 Bruce Fenn, III 11,120 David J. LaFlamme 33,182 Kenneth L. Paul 7,800 Charles George, Jr. 3,750