Indenture Agreement with respect to Capital Notes dated April 12, 1993. This Indenture Agreement is incorporated by reference from Form 10-K of Brenton Banks, Inc. for the year ended December 31, 1998. 129

Exhibit 10.14

          Indenture Agreement with respect to Capital Notes dated April 12,
          1993.  This Indenture Agreement is incorporated by reference from
          Form 10-K of Xxxxxxx Xxxxx, Inc. for the year ended December 31,
          1998.
     129