Exhibit 10.9 Mr. Murphy's Employment Agreement 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 signatory, which is Daniel L. Murphy; (ii) the position in Section 1,...

 
                                 Exhibit 10.9
 
     Xx. Xxxxxx'x Employment Agreement 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 signatory, which is Xxxxxx X. Xxxxxx; (ii) the position in Section
1, which is Executive Vice President and Retail Banking Officer; (iii) the
signatory for the Company, which is Xxxxxx X. Xxxxxxx; (iv) the guarantor for
the Company, which is Xxxxxx X. Xxxxxxx; and (v) the amount of the base salary
in Section 3(a), which is $180,000.