CHANGE-IN-CONTROL PROTECTIVE AGREEMENT -------------------------------------- THIS AGREEMENT entered into this 23rd day of February, 1999, by and between HCB BANCSHARES, INC. (the "Company") and SCOTT A. SWAIN (the "Employee"), effective on the date...Change- • February 14th, 2001 • HCB Bancshares Inc • Savings institution, federally chartered • Arkansas
