FIRST AMENDMENT TO CONSULTING AGREEMENT BETWEEN BEVERLY NATIONAL CORPORATION AND JULIA L. ROBICHAU THIS AGREEMENT, made and entered into this 22nd day of December, 1998 by and between Beverly National Corporation, its subsidiaries and affiliates...

                    FIRST AMENDMENT TO CONSULTING AGREEMENT
            BETWEEN XXXXXXX NATIONAL CORPORATION AND XXXXX X. XXXXXXXX

     THIS AGREEMENT, made and entered into this 22nd day of December, 1998 
by and between Xxxxxxx National Corporation, its subsidiaries and affiliates
(hereinafter called the "Corporation") and Xxxxx X. Xxxxxxxx (hereinafter
called the "Executive") is the First Amendment to a Consulting Agreement dated
December 24, 1996, by and between the Corporation and Executive.  Executive and
Corporation hereby agree to amend the Agreement by amending the first sentence
of 3 to read "Consultant shall be paid a consulting fee of $30,000 per annum
(the "Consulting Fee"), prorated for portions of a year, payable monthly or as 
otherwise agreed by Consultant and the Corporation."

     All other terms and conditions of the Agreement continue in full force and
effect.

Attest:                                  XXXXXXX NATIONAL BANK

/s/Xxxx Xxxxxxx                          By:/s/Xxxxxxxx X. Xxxxx
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                                            Xxxxxxxx X. Xxxxx

/s/Xxxxx X. Xxxxxxxx                     By:/s/Xxxxx X Xxxxxxxx
___________________________________         __________________________________
(Witness)                                   Xxxxx X. Xxxxxxxx