1 [LAWRENCE SAVINGS BANK LETTERHEAD] May 25, 2000 Mr. Robert P. Perreault 30 Riverview Avenue Methuen, MA 01844 Dear Bob: Your special termination agreement dated May 9, 1986 is hereby amended as follows: Section 2 Change in Control, line 15 -...

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[XXXXXXXX SAVINGS BANK LETTERHEAD]

May 25, 2000

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Dear Xxx:

Your special termination agreement dated May 9, 1986 is hereby amended as
follows:

     Section 2 Change in Control, line 15 - "twenty-five percent (25%)" is
     hereby stricken and fifteen percent (15%) is inserted in its place.

                                   Execution
Upon execution below by all parties, this Agreement will enter in full force
and effect on the effective date below:

XXXXXXXX SAVINGS BANK

/s/ XXXXXX X. XXXXX                     /s/ XXXXXX X. XXXXXXXXX
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Xxxxxx X. Xxxxx, Chairman               Xxxxxx X. Xxxxxxxxx

/s/ XXXXXX X. XXXXXXXX                       5-25-00
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Xxxxxx X. Xxxxxxxx                      Effective Date

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/s/ XXXXX X. XXXXXXXXX, XX.
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/s/ XXXXXXX XXXX XXXXXXXXXX
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Xxxxxxx Xxxx Xxxxxxxxxx

/s/ XXXXXX X. XXXXX
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/s/ XXXXXX X. XXXXXXXXX
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