Indenture Agreement with respect to Capital Notes dated March 27, 1991. This Indenture Agreement is incorporated by reference from Form 10-K of Brenton Banks, Inc. for the year ended December 31, 1996. 152

Exhibit 10.16

Indenture Agreement with respect to Capital Notes dated March 27, 1991.  This
Indenture Agreement is incorporated by reference from Form 10-K of Xxxxxxx
Xxxxx, Inc. for the year ended December 31, 1996.
     152