EXHIBIT 10.7 EMPLOYMENT AGREEMENT BETWEEN SOUTH JERSEY SAVINGS AND LOAN ASSOCIATION AND PAUL D. WAMPLER

 
                                 EXHIBIT 10.7

               EMPLOYMENT AGREEMENT BETWEEN SOUTH JERSEY SAVINGS
                   AND LOAN ASSOCIATION AND XXXX X. XXXXXXX

 
                                                                    Exhibit 10.7

     Xx. Xxxxxxx'x Employment Agreement is the same as the Employment Agreement
in Exhibit 10.5, which is incorporated herein by reference except as to: (i) the
name of the signatory, which is Xxxx X. Xxxxxxx; (ii) the position in Section 1,
which is Senior Vice President of Lending; and (iii) the amount of the base
salary in Section 3(a), which is $86,258.