Exhibit 10.3 Mr. Perugini's Employment is the same as the Employment Agreement in Exhibit 10.2, which is incorporated herein by reference except as to: (i) the name of the Executive, which is Peter N. Perugini; (ii) the position in Section 1, which is...

                                                                    Exhibit 10.3

     Xx. Xxxxxxxx'x Employment is the same as the Employment Agreement in
Exhibit 10.2, which is incorporated herein by reference except as to: (i) the
name of the Executive, which is Xxxxx X. Xxxxxxxx; (ii)  the position in Section
1, which is Senior Vice President and Chief Lending Officer; and (iii) the
amount of the base salary in Section 3(a), which is $132,000.