Exhibit 10.31 Fifteenth Amendment to Data Processing Agreement dated January 1, 1998, by and between ALLTEL Information Services, Inc. (formerly Systematics Financial Services, Inc.) and Brenton Bank (formerly Brenton Bank Services Corporation). This...

Exhibit 10.31

          Fifteenth Amendment to Data Processing Agreement dated January 1,
          1998, by and between ALLTEL Information Services, Inc. (formerly
          Systematics Financial Services, Inc.) and Xxxxxxx Bank (formerly
          Xxxxxxx Bank Services Corporation).  This Fifteenth Amendment to Data
          Processing Agreement is incorporated by reference from Form 10-K of
          Xxxxxxx Xxxxx, Inc. for the year ended December 31, 1998.
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