AGREEMENT between

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                                                                    EXHIBIT 10.6
                                              Agreement Number:




                                    AGREEMENT

                                     between

                             FISERV SOLUTIONS, INC.
                                000 Xxxxxx Xxxxx
                            Xxxxxxxxxx, XX 00000-0000

                                       and

                               FIRST FEDERAL BANK
                          Bennettsville, South Carolina
                            c/o Marlboro Construction
                              000 Xxxxxxx 00 Xxxxx
                       Xxxxxxxxxxxxx, Xxxxx Xxxxxxxx 00000




                               Date: December 1998




                                    FISERV(R)



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AGREEMENT dated as of December 7, 1998 ("Agreement") between FISERV SOLUTIONS,
INC., a Wisconsin corporation ("Fiserve"), and First Federal Bank, a South
Carolina Financial Institution ("Client").

================================================================================

         Fiserv and Client hereby agree as follows:

         1.       Term. The initial term of this Agreement shall be 5 years and,
unless written notice of non-renewal is provided by either party at least 180
days prior to expiration of the initial term or any renewal term, this Agreement
shall automatically renew for a renewal term of 5 years. This Agreement shall
commence on the earliest of the day Fiserv Services (as defined below) are first
used by Client or _________________________. This contract shall be void if
Client fails to receive approval from either the OTS or Federal Reserve, or if
Client fails to open for business within one year of this Agreement date. The
organizers accept full responsibility for all purchases or orders that Fiserv
makes on Client's behalf. This would include any expenses incurred by Fiserv.

         2.       Services.

         (a)      Services Generally. Fiserv, itself and through its affiliates,
agrees to provide Client, and Client agrees to obtain from Fiserv services
("Services") and products ("Products") (collectively, "Fiserv Services")
described in the attached Exhibits:

                  Exhibit A    -   Accounting Processing Services
                  Exhibit B    -   Item Processing Services
                  Exhibit H    -   Additional Services (Disaster Recovery)

         The Exhibits set forth specific terms and conditions applicable to the
Services and/or Products, and, where applicable, the Fiserv affiliate so
performing. Client may select additional services and products from time to time
by incorporating an appropriate Exhibit to this Agreement.

         (b)      Conversion Services. Fiserv will convert Client's existing
applicable data and/or information to the Fiserv Services. Those activities
designed to transfer the processing from Client's present servicer to the Fiserv
Services are referred to as "Conversion Services". Client agrees to cooperate
with Fiserv in connection with Fiserv's provision of Conversion Services and to
provide all necessary information and assistance to facilitate the conversion.
Client is responsible for all out-of-pocket expenses associated with the
Conversion Services. Fiserv will provide Conversion Services as required in
connection with Fiserv Services.

         (c)      Training Services. Fiserv shall provide training, training
aids, user manuals, and other documentation for Client's use to enable Client
personnel to become familiar with Fiserv Services. If requested by Client,
classroom training in the use and operation of Fiserv Services will be provided
at a training facility designated by Fiserv. All such training aids and manuals
remain Fiserv's property.

         3.       Fees for Fiserv Services.

         (a)      General. Client agrees to pay Fiserv:

         (i)      estimated fees for Fiserv Services for the following month as
                  specified in the Exhibits;
         (ii)     estimated out-of-pocket charges for the following month
                  payable by Fiserv for the account of Client; and
         (iii)    estimated Taxes (as defined below) thereon (collectively,
                  "Estimated Fees").

Fiserv shall timely reconcile Estimated Fees paid by Client for the Fiserv
Services for the month and the fees and charges actually due Fiserv based on
Client's actual use of Fiserv Services for such month. Fiserv shall either issue
a credit to Client or provide Client with an invoice for any additional fees or
other charges owed. Fiserv may change the amount of Estimated Fees billed to
reflect appropriate changes in actual use of Fiserv Services. Estimated Fees may
be increased from time to time as set forth in the Exhibits. Upon notification
to and acceptance by Client, Fiserv may increase its fees in excess of amounts
listed in the Exhibits in the event that Fiserv implements major system
enhancements to comply with changes in law, government regulation, or industry
practices. Fiserv shall attempt to provide Client with 180 days notice prior to
such change.



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         (b)      Additional Charges. Feeds for out-of-pocket expenses, such as
telephone, microfiche, courier, and other charges incurred by Fiserv for goods
or services obtained by Fiserv on Client's behalf shall be billed to Client at
cost plus the applicable Fiserv administrative fee. Such out-of-pocket expenses
may be changed from time to time upon notification of a fee change from a
vendor/provider.

         (c)      Taxes. Fiserv shall add to each invoice any sales, use,
excise, value added, and other taxes and duties however designated that are
levied by any taxing authority relating to the Fiserv Services ("Taxes"). In no
event shall "Taxes" include taxes based upon the net income of Fiserv.

         (d)      Exclusions. The Estimated Fees do not include, and Client
shall be responsible for, furnishing transportation or transmission of
information between Fiserv's service center(s), Client's site(s), and any
applicable clearing house, regulatory agency, or Federal Reserve Bank.

         (e)      Payment Terms. Estimated Fees are due and payable monthly upon
receipt of invoice. Client shall pay Fiserv through the Automated Clearing
House. In the event any amounts due remain unpaid beyond the 30th day after
payment is due, Client shall pay a late charge of 1.5% per month. Client agrees
that it shall neither make nor assert any right of deduction or set-off from
Estimated Fees on invoices submitted by Fiserv for Fiserv Services.

         4.       Access to Fiserv Services. (a) Procedures. Client agrees to
comply with applicable regulatory requirements and procedures for use of
Services established by Fiserv.

         (b)      Changes. Fiserv continually reviews and modifies Fiserv
systems used in the delivery of Services (the "Fiserv System") to improve
service and comply with government regulations, if any, applicable to the data
and information utilized in providing Services. Fiserv reserves the right to
make changes in Services, including but not limited to operating procedures,
type of equipment or software resident at, and the location of Fiserv's service
center(s). Fiserv will notify Client of any material change that affects
Client's normal operating procedures, reporting, or service costs prior to
implementation of such change.

         (c)      Communications Lines. Fiserv shall order the installation of
appropriate communication lines and equipment to facilitate Client's access to
Services. Client understands and agrees to pay charges relating to the
installation and use of such lines and equipment used by Client.

         (d)      Terminals and Related Equipment. Client shall obtain necessary
and sufficient terminals and other equipment, approved by Fiserv and compatible
with the Fiserv System, to transmit and receive data and information between
Client's location(s), Fiserv's service center(s), and/or other necessary
location(s). Fiserv and Client may mutually agree to change the type(s) of
terminal and equipment used by Client.

         5.       Client Obligations.(a) Input. Client shall be solely
responsible for the input, transmission, or delivery to and from Fiserv of all
information and data required by Fiserv to perform Services unless Client has
retained Fiserv to handle such responsibilities, as specifically set forth in
the Exhibits. The information and data shall be provided in a format and manner
approved by Fiserv. Client will provide at its own expense or procure from
Fiserv all equipment, computer software, communication lines, and interface
devices required to access the Fiserv System. If Client has elected to provide
such items itself, Fiserv shall provide Client with a list of compatible
equipment and software; Client agrees to pay Fiserv's standard fee for
recertification of the Fiserv System resulting therefrom.

         (b)      Client Personnel. Client shall designate appropriate Client
personnel for training in the use of the Fiserv System, shall supply Fiserv with
reasonable access to Client's site during normal business hours for Conversion
Services and shall cooperate with Fiserv personnel in their performance of
Services, including Conversion Services.

         (c)      Use of Fiserv System. Client shall (i) comply with any
operating instructions on the use of the Fiserv System provided by Fiserv; (ii)
review all reports furnished by Fiserv for accuracy; and (iii) work with Fiserv
to reconcile any out of balance conditions. Client shall determine and be
responsible for the authenticity and accuracy of all information and data
submitted to Fiserv.

         (d)      Client's Systems. Client shall be responsible for ensuring
that its systems are Year 2000 complaint and capable of passing and/or accepting
date formats from and/or to the Fiserv System.

         6.       Ownership and Confidentiality. (a) Definition.



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         (i)      Client Information. "Client Information" means: (A)
         confidential plans, customer lists, information, and other proprietary
         material of Client that is marked with a restrictive legend, or if not
         so marked with such legend or is disclosed orally, is identified as
         confidential at the time of disclosure (and written confirmation
         thereof is promptly provided to Fiserv); and (B) any information and
         data concerning the business and financial records of Client's
         customers prepared by or for Fiserv, or used in any way by Fiserv in
         connection with the provision of Fiserv Services (whether or not any
         such information is marked with a restrictive legend).

         (ii)     Fiserv Information. "Fiserv Information" means: (A)
         confidential plans, information, research, development, trade secrets,
         business affairs (including that of any Fiserv client, supplier, or
         affiliate), and other proprietary material of Fiserv that is marked
         with a restrictive legend, or if not so marked with such legend or is
         disclosed orally, is identified as confidential at the time of
         disclosure (and written confirmation thereof is promptly provided to
         Client); and (B) Fiserv's proprietary computer programs, including
         custom software modifications, software documentation and training
         aids, and all data, code, techniques, algorithms, methods, logic,
         architecture, and designs embodied or incorporated therein (whether or
         not any such information is marked with a restrictive legend).

         (iii)    Information. "Information" means Client Information and Fiserv
         Information. No obligation of confidentiality applies to any
         information that the receiving party ("Recipient") (A) already
         possesses without obligation of confidentiality; (B) develops
         independently; or (C) rightfully receives without obligation of
         confidentiality from a third party. No obligation of confidentiality
         applies to any Information that is, or becomes, publicly available
         without breach of this Agreement.

         (b)      Obligations. Recipient agrees to hold as confidential all
Information it receives from the disclosing party ("Disclosure"). All
Information shall remain the property of Disclosure or its suppliers and
licensors. Information will be returned to Disclosure at the termination or
expiration of this Agreement. Recipient will use the same care and discretion to
avoid disclosure of Information as it uses with its own similar information that
it does not wish disclosed, but in no event less than a reasonable standard of
care. Recipient may use Information for any purpose that does not violate such
obligation of confidentiality. Recipient may disclose Information to (i)
employees and employees of affiliates who have a need to know; and (ii) any
other party with Discloser's written consent. Before disclosure to any of the
above parties, Recipient will have a written agreement with such party
sufficient to require that party to treat Information in accordance with this
Agreement. Recipient may disclose Information to the extent required by law.
However, Recipient agrees to give Discloser prompt notice so that it may seek a
protective order. The provisions of this sub-section survive any termination or
expiration of this Agreement.

         (c)      Residuals. Nothing contained in this Agreement shall restrict
Recipient from the use of any ideas, concepts, know-how, or techniques contained
in Information that are related to Recipient's business activities
("Residuals"), provided that in so doing, Recipient does not breach its
obligations under this Section. However, this does not give Recipient the right
to disclose the Residuals except as set forth elsewhere in this Agreement.

         (d)      Fiserv System. The Fiserv System contains information and
computer software that are proprietary and confidential information of Fiserv,
its suppliers, and licensors. Client agrees not to attempt to circumvent the
devices employed by Fiserv to prevent unauthorized access to the Fiserv System,
including, but not limited to, alterations, decompiling, disassembling,
modifications, and reverse engineering thereof.

         (e)      Confidentiality of this Agreement. Fiserv and Client agree to
keep confidential the prices, terms and conditions of this Agreement, without
disclosure to third parties.

         7.       Regulatory Agencies, Regulations and Legal Requirements. (a)
Client Files. Records maintained and produced for Client ("Client Files") may be
subject to examination by such Federal, State, or other governmental regulatory
agencies as may have jurisdiction over Client's business to the same extent as
such records would be subject if maintained by Client on its own premises.
Client agrees that Fiserv is authorized to give all reports, summaries, or
information contained in or derived from the data or information in Fiserv's
possession relating to Client when formally requested to do so by an authorized
regulatory or government agency. Fiserv agrees to provide all such information
as requested by such agencies.

         (b)      Compliance with Regulatory Requirements. Client agrees to
comply with applicable regulatory and legal requirements, including without
limitation;




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         (i)      submitting a copy of this Agreement to the appropriate
         regulatory agencies prior to the date Services commence;
         (ii)     providing adequate notice to the appropriate regulatory
         agencies of the termination of this Agreement or any material changes
         in Services;
         (iii)    retaining records of its accounts as required by regulatory
         authorities;
         (iv)     obtaining and maintaining, at its own expense, any Fidelity
         Bond required by any regulatory or governmental agency; and
         (v)      maintaining, at its own expense, such casualty and business
         interruption insurance coverage for loss of records from fire,
         disaster, or other causes, and taking such precautions regarding the
         same, as may be required by regulatory authorities.

         8.       Warranties. (a) Fiserv Warranties. Fiserv represents and
warrants that:

         (i)      (A) Products and Services will conform to the specifications
         set forth in the Exhibits; (B) Fiserv will perform Client's work
         accurately provided that Client supplies accurate data and information,
         and follows the procedures described in all Fiserv documentation,
         notices, and advices; (C) Fiserv personnel will exercise due care in
         provision of Services; (D) the Fiserv System will comply in all
         material respects with all applicable Federal and State regulations
         governing Services; and (E) the Fiserv System is or will be Year 2000
         complaint in all respects. In the event of an error or other default
         caused by Fiserv personnel, systems, or equipment, Fiserv shall correct
         the data or information and/or reprocess the affected item or report at
         no additional cost to Client within a reasonable time frame following
         such request. Client agrees to supply Fiserv with a written request for
         correction of the error within 30 days after Client's receipt of the
         work containing the error. Work reprocessed due to errors in data
         supplied by Client, on Client's behalf by a third party, or by Client's
         failure to follow procedures set forth by Fiserv shall be billed to
         Client at Fiserv's then current time and material rates; and
         (ii)     it owns or has a license to furnish all equipment or software
         comprising the Fiserv System. Fiserv shall indemnify Client and hold it
         harmless against any claim or action that alleges that the Fiserv
         System use infringes a United States patent, copyright, or other
         proprietary right of a third party. Client agrees to notify Fiserv
         promptly of any such claim and grants Fiserv the sole right to control
         the defense and disposition of all such claims. Client s hall provide
         Fiserv with reasonable cooperation and assistance in the defense of any
         such claim.

THE WARRANTIES STATED ABOVE ARE LIMITED WARRANTIES AND ARE THE ONLY WARRANTIES
MADE BY FISERV. FISERV DOES NOT MAKE, AND CLIENT HEREBY EXPRESSLY WAIVES, ALL
OTHER WARRANTIES, INCLUDING WARRANTIES OR MERCHANTABILITY AND FITNESS FOR A
PARTICULAR PURPOSE. THE STATED EXPRESS WARRANTIES ARE IN LIEU OF ALL LIABILITIES
OR OBLIGATIONS OF FISERV FOR DAMAGES ARISING OUT OF OR IN CONNECTION WITH THE
DELIVERY, USE, OR PERFORMANCE OF FISERV SERVICES.

         (b)      Client Warranties. Client represents and warrants that: (A) no
contractual obligations exist that would prevent Client from entering into this
Agreement; (B) it has complied with all applicable regulatory requirements; and
(C) Client has requisite authority to execute, deliver, and perform this
Agreement. Client shall indemnify and hold harmless Fiserv, its officers,
directors, employees, and affiliates against any claims or actions arising out
of (X) the use by Client of the Fiserv System in a manner other than that
provided in this Agreement; and (Y) any and all claims by third parties through
Client arising out of the performance and non-performance of Fiserv Services by
Fiserv; provided that the indemnity listed in clause (Y) hereof shall not
preclude Client's recovery of direct damages pursuant to the terms and subject
to the limitations of this Agreement.

         9.       Limitation of Liability. (a) General. IN NO EVENT SHALL FISERV
BE LIABLE FOR LOSS OF GOODWILL, OR FOR SPECIAL, INDIRECT, INCIDENTAL, OR
CONSEQUENTIAL DAMAGES ARISING FROM CLIENT'S USE OF FISERV SERVICES, OR FISERV'S
SUPPLY OF EQUIPMENT OR SOFTWARE, REGARDLESS OF WHETHER SUCH CLAIM ARISES IN TORT
OR IN CONTRACT. CLIENT MAY NOT ASSERT ANY CLAIM AGAINST FISERV MORE THAN 2 YEARS
AFTER SUCH CLAIM ACCRUED. FISERV'S AGGREGATE LIABILITY FOR ANY AND ALL CAUSES OF
ACTION RELATING TO SERVICES SHALL BE LIMITED TO THE TOTAL FEES PAID BY CLIENT TO
FISERV FOR SERVICES RESULTING IN SUCH LIABILITY IN THE 4 MONTH PERIOD PRECEDING
THE DATE THE CLAIM ACCRUED. FISERV'S AGGREGATE LIABILITY FOR A DEFAULT RELATING
TO EQUIPMENT OR SOFTWARE SHALL BE LIMITED TO THE AMOUNT PAID BY CLIENT FOR THE
EQUIPMENT OR SOFTWARE.

         (b)      Lost Records. If Client's records or other data submitted for
processing are lost or damaged as a result of any failure by Fiserv, its
employees, or agents to exercise reasonable care to prevent such loss or damage,
Fiserv's liability on account of such loss or damages shall not exceed the
reasonable cost of reproducing such records or data from exact duplicates
thereof in Client's possession.




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         10.      Disaster Recovery. (a) General. Fiserv maintains a disaster
recovery plan ("Disaster Recovery Plan") for each Service. A "Disaster" shall
mean any unplanned interruption of the operations of or inaccessibility to
Fiserv's service center in which Fiserv, using reasonable judgment, requires
relocation of processing to a recovery location. Fiserv shall notify Client as
soon as possible after Fiserv deems a service outage to be a Disaster. Fiserv
shall move the processing of Client's standard services to a recovery location
as expeditiously as possible and shall coordinate the cut-over to back-up
telecommunication facilities with the appropriate carriers. Client shall
maintain adequate records of all transactions during the period of service
interruption and shall have personnel available to assist Fiserv in implementing
the switchover to the recovery location. During a Disaster, optional or
on-request services shall be provided by Fiserv only to the extent adequate
capacity exists at the recovery location and only after stabilizing the
provision of base services.

         (b)      Communications. Fiserv shall work with Client to establish a
plan for alternative communications in the event of a Disaster.

         (c)      Disaster Recovery Test. Fiserv shall test the Disaster
Recovery Plan periodically. Client agrees to participate in and assist Fiserv
with such test, if requested by Fiserv. Upon Client request, test results will
be made available to Client's management, regulators, auditors, and insurance
underwriters.

         (d)      Client Plans. Fiserv agrees to release information necessary
to allow Client's development of a disaster recovery plan that operates in
concert with the Disaster Recovery Plan.

         (e)      No Warranty. Client understands and agrees that the Disaster
Recovery Plan is designed to minimize, but not eliminate, risks associated with
a Disaster affecting Fiserv's service center(s). Fiserv does not warrant that
Fiserv Services will be uninterrupted or error free in the event of a Disaster;
no performance standards shall be applicable for the duration of a Disaster.
Client maintains responsibility for adopting a disaster recovery plan relating
to disasters affecting Client's facilities and for securing business
interruption insurance or other insurance necessary for Client's protection.

         11.      Termination.

         (a)      Material Breach. Except as provided elsewhere in this Section
11, either party may terminate this Agreement in the event of a material breach
by the other party not cured within 90 days following written notice stating,
with particularity and in reasonable detail, the nature of the claimed breach.

         (b)      Failure to Pay. In the event any invoice remains unpaid by
Client 30 days after due, or Client deconverts any data or information from the
Fiserv System without prior written consent of Fiserv, Fiserv, at its sole
option, may terminate this Agreement and/or Client's access to and use of Fiserv
Services. Any invoice submitted by Fiserv shall be deemed correct unless Client
provides written notice to Fiserv within 15 days of the invoice data specifying
the nature of the disagreement.

         (c)      Remedies. Remedies contained in this Section 11 are cumulative
and are in addition to the other rights and remedies available to Fiserv under
this Agreement, by law or otherwise.

         (d)      Defaults. If Client:

         (i)      defaults in the payment of any sum of money due;
         (ii)     breaches this Agreement in any material respect or otherwise
         defaults in any material respect in the performance of any of its
         obligations; or
         (iii)    commits an act of bankruptcy or becomes the subject of any
         proceeding under the Bankruptcy Code or becomes insolvent or if any
         substantial part of Client's property becomes subject to any levy,
         seizure, assignment, application, or sale for or by any creditor or
         governmental agency;

then, in any such event, Fiserv may, upon written notice, terminate this
Agreement and be entitled to recover from Client as liquidated damages an amount
equal to the present value of all payments remaining to be made hereunder for
the remainder of the initial term or any renewal term of this Agreement. For
purposes of the preceding sentence, present value shall be computed using the
"prime" rate (as published in The Wall Street Journal) in effect at the date of
termination and "all payments remaining to be made" shall be calculated based on
the average bills for the 3 months immediately preceding the date of
termination. Client agrees to reimburse Fiserv for any expenses Fiserv may
incur, including reasonable attorneys' fees, in taking any of the foregoing
actions.

         If Fiserv:




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         (i)      breaches this Agreement in any material respect or otherwise
         defaults in any material respect in the performance of any of its
         obligations; or
         (ii)     commits an act of bankruptcy or becomes the subject of any
         proceeding under the Bankruptcy Code or become insolvent or if any
         substantial part of Fiserv's property becomes subject to any levy,
         seizure, assignment, application, or sale for or by any creditor or
         governmental agency;

         then, in any such event, Client may, upon written notice, terminate
         this Agreement, without penalty.

         (e)      Convenience. Client may terminate this Agreement during any
term by paying a termination fee based on the remaining unused term of this
Agreement, the amount to be determined by multiplying Client's largest monthly
invoice for each Fiserv Service received by Client during the term (or if no
monthly invoice has been received, the sum of the estimated monthly billing for
each Fiserv Service to be received hereunder) by 80% times the remaining months
of the term, plus any unamortized conversion fees or third party costs existing
on Fiserv's books on the date of termination. Client understands and agrees that
Fiserv losses incurred as a result of early termination of the Agreement would
be difficult or impossible to calculate as of the effective date of termination
since they will vary based on, among other things, the number of clients using
the Fiserv System on the date the Agreement terminates. Accordingly, the amount
set forth in the first sentence of this subsection represents Client's agreement
to pay and Fiserv's agreement to accept as liquidated damages (and not as a
penalty) such amount for any such Client termination.

         (f)      Merger. In the event of a merger between Client and another
organization in which Client is not the surviving organization and where the
other organization was not previously a user of Fiserv services similar to the
Services, Fiserv will allow an early termination of this Agreement upon the
following terms and conditions:

         (i)      written notice must be given 3 months in advance, specifying
         the termination date;
         (ii)     Fiserv may specify a deconversion date based on its previous
         commitments and work loads; and
         (iii)    Fiserv may charge a termination fee in accordance with
         subsection (e) above.

         (g)      Return of Data Files. Upon expiration or termination of this
Agreement, Fiserv shall furnish to Client such copies of Client Files as Client
may request in Fiserv's standard machine readable format along with such
information and assistance as is reasonable and customary to enable Client to
deconvert from the Fiserv System, provided, however, that Client consents and
agrees and authorizes Fiserv to retain Client Files until (i) Fiserv is paid in
full for (A) all Services provided through the date such Client Files are
returned to Client; and (B) any and all other amounts that are due or will
become due under this Agreement; (ii) Fiserv is paid its then standard rates for
the services necessary to return such Client Files; (iii) if this Agreement is
being terminated, Fiserv is paid any applicable termination fee pursuant to
subsection (d), (e), or (f) above; and (iv) Client has returned to Fiserv all
Fiserv Information. Unless directed by Client in writing to the contrary, Fiserv
shall be permitted to destroy Client Files any time after 30 days from the final
use of Client Files for processing.

         (h)      Miscellaneous. Client understands and agrees that Client is
responsible for the deinstallation and return shipping of any Fiserv-owned
equipment located on Client's premises.

         12.      Arbitration.

         (a)      General. Except with respect to disputes arising from a
misappropriation or misuse of either party's proprietary rights, any dispute or
controversy arising out of this Agreement, or its interpretation, shall be
submitted to and resolved exclusively by arbitration under the rules then
prevailing of the American Arbitration Association, upon written notice of
demand for arbitration by the party seeking arbitration, setting forth the
specifics of the matter in controversy or the claim being made. The arbitration
shall be heard before an arbitrator mutually agreeable to the parties; provided,
that if the parties cannot agree on the choice or arbitrator within 10 days
after the first party seeking arbitration has given written notice, then the
arbitration shall be heard by three arbitrators, one chosen by each party, and
the third chosen by those two arbitrators. The arbitrators will be selected from
a panel of persons having experience with and knowledge of information
technology and at least one of the arbitrators selected will be an attorney. A
hearing on the merits of all claims for which arbitration is sought by either
party shall be commenced not later than 60 days from the date demand for
arbitration is made by the first party seeking arbitration. The arbitrator(s)
must render a decision within 10 days after the conclusion of such hearing. Any
award in such arbitration shall be final and binding upon the parties and the
judgment thereon may be entered in any court of competent jurisdiction.

         (b)      Applicable Law. The arbitration shall be governed by the
United States Arbitration Act, 9 U.S.C. 1-16. The arbitrators shall apply the
substantive law of the State of Georgia, without reference to provisions
relating to conflict



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of laws. The arbitrators shall not have the power to alter, modify, amend, add
to, or subtract from any term or provision of this Agreement, nor to rule upon
or grant any extension, renewal, or continuance of this Agreement. The
arbitrators shall have the authority to grant any legal remedy available had the
parties submitted the dispute to a judicial proceeding.

         (c)      Situs. If arbitration is required to resolve any disputes
between the parties, all the proceedings to resolve any such dispute shall be
held in Atlanta, Georgia.

         13.      Insurance. Fiserv carries the following types of insurance
policies:

         (i)      Comprehensive General Liability in an amount not less than $1
         million per occurrence for claims arising out of bodily injury and
         property damage;
         (ii)     Commercial Crime covering employee dishonesty in an amount not
         less than $5 million;
         (iii)    All-risk property coverage including Extra Expense and
         Business Income coverage; and
         (iv)     Workers Compensation as mandated or allowed by the laws of the
         state in which Services are being performed, including $500,000
         coverage for Employer's Liability.

         14.      Audit. Fiserv employs an internal auditor responsible for
ensuring the integrity of its processing environments and internal controls. In
addition, Fiserv provides for periodic independent audits of its operations.
Fiserv shall provide Client with a copy of the audit of the Fiserv service
center providing Services within a reasonable time after its completion and
shall charge each client a fee based on the pro rata cost of such audit. Fiserv
shall also provide a copy of such audit to the appropriate regulatory agencies,
if any, having jurisdiction over Fiserv's provision of Services.

         15.      General. (a) Binding Agreement. This Agreement is binding upon
the parties and their respective successors and permitted assigns. Neither this
Agreement nor any interest may be sold, assigned, transferred, pledged, or
otherwise disposed of by Client, whether pursuant to change of control or
otherwise, without Fiserv's prior written consent. Client agrees that Fiserv may
subcontract any Services to be performed hereunder. Any such subcontractors
shall be required to comply with all applicable terms and conditions.

         (b)      Entire Agreement. This Agreement, including its Exhibits,
which are expressly incorporated herein by reference, constitutes the complete
and exclusive statement of the agreement between the parties as to the subject
matter hereof and supersedes all previous agreements with respect thereto.
Modifications of this Agreement must be in writing and signed by duly authorized
representatives of the parties. Each party hereby acknowledges that it has not
entered into this Agreement in reliance upon any representation made by the
other party not embodied herein. In the event any of the provisions of any
Exhibit are in conflict with any of the provisions of this Agreement, the terms
and provisions of this Agreement shall control unless the Exhibit in question
expressly provides that its terms and provisions shall control.

         (c)      Severability. If any provision of this Agreement is held to be
unenforceable or invalid, the other provisions shall continue in full force and
effect.

         (d)      Governing Law. This Agreement will be governed by the
substantive laws of the State of Wisconsin, without reference to provisions
relating to conflict of laws. The United Nations Convention of Contracts for the
International Sale of Goods shall not apply to this Agreement.

         (e)      Force Majeure. Neither party shall be responsible for delays
or failures in performance resulting from acts reasonably beyond the control of
that party.

         (f)      Notices. Any written notice required or permitted to be given
hereunder shall be given by: (i) Registered or Certified Mail, Return Receipt
Requested, postage prepaid; (ii) confirmed facsimile; or (iii) nationally
recognized courier service to the other party at the addresses listed on the
cover page or to such other address or person as a party may designate in
writing. All such notices shall be effective upon receipt.

         (g)      No Waiver. The failure of either party to insist on strict
performance of any of the provisions hereunder shall not be construed as the
waiver of any subsequent default of a similar nature.

         (h)      Financial Statements. Fiserv shall provide Client and the
appropriate regulatory agencies so requiring a copy of Fiserv, Inc.'s audited
consolidated financial statements.



                                      -8-
   9


         (i)      Prevailing Party. The prevailing party in any arbitration,
suit, or action brought against the other party to enforce the terms of this
Agreement or any rights or obligations hereunder, shall be entitled to receive
its reasonable costs, expenses, and attorneys' fees of bringing such
arbitration, suit, or action.

         (j)      Survival. All rights and obligations of the parties under this
Agreement that, by their nature, do not terminate with the expiration or
termination of this Agreement shall survive the expiration or termination of
this Agreement.

         (k)      Exclusivity. Client agrees that Fiserv shall be the sole and
exclusive provider of the services that are the subject matter of this
Agreement. For purposes of the foregoing, the term "Client" shall include Client
affiliates. During the term of this Agreement, Client agrees not to enter into
an agreement with any other entity to provide these services (or similar
services) without Fiserv's prior written consent. If Client acquires another
entity, the exclusivity provided to Fiserv hereunder shall take effect with
respect to such acquired entity as soon as practicable after termination of such
acquired entity's previously existing arrangement for these services. If Client
is acquired by another entity, the exclusivity provided to Fiserv hereunder
shall apply with respect to the level or volume of these services provided
immediately prior to the signing of the definitive acquisition agreement
relating to such acquisition and shall continue with respect to the level or
volume of these services until any termination or expiration of this Agreement.

         (i)      Recruitment of Employees. Client agrees not to hire Fiserv's
employees during the term of this Agreement and for a period of 6 months after
any termination or expiration thereof, except with Fiserv's prior written
consent.

================================================================================

         IN WITNESS WHEREOF, the parties have caused this Agreement to be
executed by their duly authorized representatives as of the date indicated
below.


For Client:                                   For Fiserv:

FIRST FEDERAL BANK                            FISERV SOLUTIONS, INC.


By:      \s\ J. Xxxxxx Xxxxxxxx               By:      \s\ Xxxxxxx X. Xxxxxx
   ----------------------------------            -------------------------------
Name:    J. Xxxxxx Xxxxxxxx                   Name:    Xxxxxxx X. Xxxxxx
     --------------------------------              -----------------------------
Title:   Pres. & C.E.O.                       Title:   President Fiserv Atlanta
      -------------------------------               ----------------------------
Date:    Dec. 08, 1998                        Date:    12/14/98
     --------------------------------              -----------------------------



                                      -9-
   10



                                                                       Exhibit A

                           Account Processing Services


         Client agrees with Fiserv as follows:

         1.       Services. Fiserv will provide Client the Account Processing
Services ("Account Processing Services") specified in Exhibit A-1.

         2.       Fees. Client shall pay Fiserv fees and other charges for
Account Processing Services specified in Exhibit A-2.

         3.       Responsibility for Accounts. Client shall be responsible for
balancing its accounts each business day and notifying Fiserv immediately of any
errors or discrepancies. Provided that Client immediately notifies Fiserv of any
discrepancy in Client's accounts, Fiserv shall, at its expense, promptly
recompute accounts affected by discrepancies solely caused by the Fiserv Systems
or provide for another mutually agreeable resolution. Fiserv will use its
commercially reasonable efforts to correct errors attributable to Client or
Client's other third party servicers. Reconstruction of error conditions
attributable to Client or to third parties acting on Client's behalf will be
done at prevailing rates as set forth in Exhibit A-2.

         4.       Annual Histories. Fiserv currently maintains annual histories,
where applicable, for its clients. These histories can be used to reconstruct
Client Files in an emergency. However, in order to permit prompt and accurate
reconstruction of accounts, Client agrees to retain at all times and make
available to Fiserv upon request the most recent data printout(s) received from
Fiserv, together with copies or other accurate and retrievable records of all
transactions to be reflected on the next consecutive printout(s).

         5.       Hours of Operation. Account Processing Services will be
available for use by Client during standard Fiserv business hours, excluding
holidays, as specified in Exhibit A-3. Account Processing Services may be
available during additional hours, during which time Client may use Services at
its option and subject to additional charges.

         6.       Protection of Data.

         (a)      For the purpose of compliance with applicable government
regulations, Fiserv has an operations backup center, for which Client agrees to
pay the charges indicated in Exhibit A-2. Copies of transaction files are
maintained by Fiserv off premises in secured vaults.

         (b)      Fiserv provides "on-line" security via utilization of leased
lines with poll/select protocol.

         (c)      Upon Client providing access to Client Files through Client's
customers' personal computers or voice response system, Client agrees to
indemnify and hold harmless Fiserv, its officers, directors, employees, and
affiliates against any claims or actions arising out of such access to Client
Files or any Fiserv files (including the files of other Fiserv clients) or the
Fiserv System or other Fiserv systems.

         7.       Processing Priority. Fiserv does not subscribe to any
processing priority; all users receive equal processing consideration.

         8.       Forms and Supplies. Client assumes and will pay the charges
for all customized forms, supplies, and delivery charges. Custom forms ordered
through Fiserv will be subject to a 15% administrative fee for warehousing and
inventory control. Forms ordered by Client and warehoused at Fiserv will be
subject to the administrative fee set forth in Exhibit A-2.

         9.       Regulatory Supervision. By entering into this Agreement,
Fiserv agrees that the Office of Thrift Supervision, FDIC, or other regulatory
agencies having authority over Client's operations shall have the authority and
responsibility provided to the regulatory agencies pursuant to the Bank Service
Corporation Act, 12 U.S.C. 1867(C) relating to services performed by contract or
otherwise.



   11

================================================================================

         IN WITNESS WHEREOF, the parties have caused this Exhibit A to be
executed by their duly authorized representatives as of the date indicated
below.


FIRST FEDERAL BANK                             FISERV SOLUTIONS, INC.


By:      \s\ J. Xxxxxx Xxxxxxxx                By:      \s\ Xxxxxxx X. Xxxxxx
   -----------------------------------            ------------------------------
Name:    J. Xxxxxx Xxxxxxxx                    Name:    Xxxxxxx X. Xxxxxx
     ---------------------------------              ----------------------------
Title:   Pres. & C.E.O.                        Title:   President Fiserv Atlanta
      --------------------------------               ---------------------------
Date:    Dec. 08, 1998                         Date:    12/14/98
     ---------------------------------              ----------------------------






   12



                                                                     Exhibit A-1

                           Account Processing Services


Fiserv will provide Client with the following Account Processing Services:

I.       Services and/or functions to be performed by Fiserv:

         A.       Maintain the necessary computer equipment in order to provide
                  Client with complete electronic bookkeeping service for
                  Deposit Accounts, Certificate Accounts, Loan Accounts, Central
                  Information System, Account Analysis, ACH (Receiving), General
                  Ledger, and On-Line Documentation five (5) days per week. The
                  Information Technology, Inc. (ITI) Premier II Banking System
                  will be used for Client's application processing.

         B.       Provide necessary assistance to Client for the initial set-up
                  to convert to the Fiserv system. Customer Service is provided
                  by toll-free telephone as follows:

         (1)      Full Customer Service specialists for all applications, Monday
                  through Friday - 8:00 a.m to 5:00 p.m. (EST)
         (2)      Limited telephone coverage, Monday through Friday - 5:00 p.m.
                  to 7:00 p.m. (EST)
         (3)      Emergency after hours Customer Service, via Beeper - 24
                  hours/day, 7 day/week

         C.       Receive transmitted transaction data from Client at Fiserv by
                  7:00 p.m. (EST) daily or receive transaction input at a Fiserv
                  center at mutually agreed time. If transaction data is not
                  received by this appropriate time, assurance cannot be made
                  for meeting the Client's scheduled needs the following day.

         D.       Reconcile Client's balancing totals.

         E.       Exercise reasonable care in handling data submitted to Fiserv
                  and hold all information received by Fiserv in strictest
                  confidence.

         F.       Calculate and provide figures for the daily accrual of
                  interest earned, late charges due, and service charges.

         G.       Transmit selected reports to Client's remote print facility or
                  Fiserv facility for printing.


II.      Services, functions and requirements to be performed by Client for
         participation in this agreement:

         A.       Purchase/lease all equipment required in the bank to utilize
                  the services provided by Fiserv.

         B.       Provide transmitted data to Fiserv's Computer Center daily by
                  7:00 p.m. EST, or provide input data to a Fiserv center by
                  mutually agreed times, records containing the necessary
                  information to process the applications.

         C.       Provide information on new accounts, change of address,
                  changes of title and status change through the on-line data
                  entry system.

         D.       Repair and re-enter for reprocessing all rejected items,
                  handle return items and reconcile controls.

         E.       Verify signatures and stop payments, cancel and file checks,
                  microfilm, assemble and mail statements, handle return items
                  and reconcile controls.

         F.       Balance work daily to General Ledger Controls, verify new and
                  re-issued coupon books, and mail notices.


   13




         G.       Print and distribute reports selected by Client.

         H.       Provide necessary transportation and Content Insurance
                  coverage To and From Fiserv facility.


III.     Fiserv will provide the following ancillary support services included
         in the monthly processing fee.

         Refer to Ancillary Module Current Fees Schedule, Exhibit A-5.



   14



                                                                     Exhibit A-3
                                                               Exhibit A-2

                           Account Processing Services


Fiserv will provide Client with the following Account Processing Services at the
fees and prices indicated:


                                                                      
1.       Fees to be paid monthly by Client to Fiserv for performance of the
         services outlined in Section 1:

         A.       Monthly Processing Fees
                  The Client will be charged a monthly fee of $ .70 per account
                  on file (Deposit, Loan). The Client will be charged a monthly
                  fee of $ .15 per account on file (General Ledger). The Client
                  will be charged a minimum fee of $2,500.00 for Deposit, Loan,
                  General Ledger.

         B.       Loan Coupon Books*                              $        2.05   Each (Postage Additional)

         C.       Furnished by Client*

                  Postage/Courier Fees
                  Telephone Lines
                  Modems and Annual Modem Maintenance
                  In-Bank Terminal Equipment/Software
                  In-Bank Equipment/Software Maintenance

         D.       Conversion/Installation Fees                    $    5,000.00

                  An implementation fee of $ 5,000.00 will be charged to convert
                  to Premier II plus travel and related expenses.

         E.       Supplies

                  All forms necessary to the daily operations of Fiserv's System
                  can be purchased through Fiserv at prices quoted at the time
                  of purchase.

         F.       Miscellaneous Services

                    10 Smart Reports will be provided and included in Base
                  Monthly Processing Fee. Additional services provided per
                  Exhibit A-4.

         G.       Platform/Teller Interfaces

                                                                  $        0.00   Each Per Function (i.e.
                                                                                  Deposit/Loan/Teller)

         H.       ATM/EFT Service

                  Installation Fees:
                           One-Time Charge                        $    5,000.00
                           Per ATM Connect Fee                    $      500.00
                           Per Network                            $      500.00
                           Surcharge Set-Up                       $    1,000.00
                           Surcharge Set-Up per ATM               $      150.00
                           Communication Install Fee               Pass Through



   15

                                                                     Exhibit A-3



                                                                            
                           Fiserv Support                         $         400.00
                           Network Support per Network            $         100.00
                           Card Base Record                       $           0.06   Per Card
                                                                  $         100.00   Minimum
                           Per ATM Connect Fee                    $         150.00   Per Device
                           Per ATM 7 X 24 Monitoring Fee          $          15.00   Per Device
                           Communication Line Cost                    Pass Through

                  Per Transaction Fees
                           ON/US Transaction Fees                 $           0.10
                           Per ATM 7 X 24 Monitoring Fee          $           0.10
                           Communication Line Cost                $           0.15   In Addition to Above
                                                                                     Transaction Fees

                  ATM Cards
                           Plastic Stock                              Pass Through
                           New Card Order                         $           1.75   Per Card
                           PIN Mailer                             $           0.35   Per Mailer
                           Postage                                    Pass Through

                  Non-Atlanta Host Authorization
                           One-Time Set-Up                        $       1,500.00
                           Monthly Charge                         $         500.00   Base Plus $.06 Per Card
                                                                                     Record on File

                  Positive Balance File (PBF)
                           One-Time Set-Up                        $       1,500.00
                           Monthly Charge                         $         600.00
                           Communications Charges                     Pass Through

                  Visa Debit Processing                           Per Separate Quote

         I.       End of Year Processing

                  Per fee schedule published annually

         J.       On-Line Terminal Support

                  Client will be charged a fee of $15.00 per on-line device per
                  month. Converting workstations will be included in Monthly
                  Processing Fee.

         K.       Special Processing                              $           85.00  Per Quarter Hour

         L.       Programming/Consulting                          $           85.00  Per Hour

         M.       On-Site Support/Training                        $          900.00  Per Person Per Day Plus
                                                                                     Travel and Related Expenses
N.



   16

                                                                     Exhibit A-3


N.       Deconversion Fees

         File formats and magnetic tapes in Fiserv format will be provided to
         designated processor as requested in writing providing the Client has
         no outstanding payments to Fiserv. Charges for the creation and
         delivery of these files will be computer run time or $2,500 per
         application per request, whichever is greater. All consulting
         interpretation and computer time required for the deconversion will be
         billed at per hour current rates.

O.       Charges for Services

         The monthly processing fees defined may be changed annually after the
         first anniversary of this Agreement. Each change shall be limited to
         the greater of five percent (5%) or the change in the U.S. Department
         of Labor, Consumer Price Index for the twelve (12) month period
         preceding the anniversary date.

P.       Year 2000 Testing

         Fiserv shall make available to Client evidence of a Year 2000 proxy
         test of the Fiserv System, including test procedures and results.
         Fiserv shall make available to Client additional testing capabilities
         as may be required.


         * All third party fees are subject to change without notice.




   17

                                                                     Exhibit A-3


                               Hours of Operation

         The Fiserv Account Processing Center will be in operation for On-Line
Accounting Processing Services in accordance with the following:

                  Monday                    8:00 A.M. - 7:00 P.M.
                  Tuesday                   8:00 A.M. - 7:00 P.M.
                  Wednesday                 8:00 A.M. - 7:00 P.M.
                  Thursday                  8:00 A.M. - 7:00 P.M.
                  Friday                    8:00 A.M. - 7:00 P.M.
                  Saturday                  8:00 A.M. - 4:00 P.M.

         All times stated are in accordance with prevailing local times for the
Fiserv Account Processing Center. The Fiserv Account Processing Center will
observe national holidays, and will be closed for on-line operations.


   18



                                                                     Exhibit A-4



------------------------------------------------------ ---------- -----------------------------------------
REQUEST                                                FEE
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
                                                            
BDS050-SMART Reports & Pull Files                         $50     Per Report/File
(10 Included in Monthly Processing Fee)
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS061/BDS062                                             $50     Per Month
Safe Deposit Box Billing
Safe Deposit Box Trial and Past Due Reports
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS071                                                    $50     Per Request
Debit Card Reference Journal
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS072                                                    $50     Per Request
Debit Card Billing
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS200                                                    $85     Per Request
"On-Demand" Statement Cycles
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS221                                                   $340     Per Request*
DDA Month End Account Profitability Analysis                      *One execution of this program is
                                                                  included with month end processing.
                                                                  Charge would only apply to requests
                                                                  other than month end.
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS 252                                                  $170     Per Request *
DDA Balance Range Report                                          *One execution of this program is
                                                                  included with month end processing.
                                                                  Charge would only apply to requests
                                                                  other than month end.
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS253                                                   $100     Plus $.35 per Confirmation
Audit Confirmations - DDA
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS255                                                    $85     Per Request
Account Code/Cycle Distribution Report
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS258                                                            Standard at month end only. Other
DDA Hold Report                                                   requests $85.00
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS262                                                    $85     Per Request
Report Errors Concerning DDA Stmts.
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS352                                                   $170     Per Request*
SAV Balance Range Report                                          *One execution of this program is
                                                                  included with month end processing.
                                                                  Charge would only apply to requests
                                                                  other than month end.
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS353                                                   $100     Plus $.35 per Confirmation
Audit Confirmations - SAV
------------------------------------------------------ ---------- -----------------------------------------



   19






------------------------------------------------------ ---------- -----------------------------------------
REQUEST                                                FEE
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
                                                            
BDS365                                                    $85     Per Request
Account Code/Cycle Distribution Report
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS358                                                            Standard at month end only. Other
Report of SAV Holds                                               requests $85.
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS360                                                            Standard at month end only. Other
Automatic Transfers to DDA Report                                 requests $85.
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS361                                                            Standard at month end only. Other
Savings Balances Subject to Rate Change                           requests $85.
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS452                                                   $170     Per Request*
CD Analysis Reports                                               *One execution of this program is
                                                                  included with month end processing.
                                                                  Charge would only apply to requests
                                                                  other than month end.
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS453                                                   $100     Plus $.35 per Confirmation
Audit Confirmations - CD
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS455                                                    $85     Per Request
Account Code/Cycle Distribution Report
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS458                                                    $85     Per Request
Report of CD Holds
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS531                                                            Standard at month end only. Other
Loan Status Report - Reports by Product                           requests $85.
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS534                                                            Standard at month end only. Other
FHA Title I Home Improvement Loan Reporting                       requests $85.
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS544                                                            Standard at month end only. Other
Escrow Addenda Reference Journal                                  requests $85.
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS545                                                            Standard at month end only. Other
Escrow Review Conversion                                          requests $85.

------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS552                                                   $170     Per Request*
Loan Analysis Report                                              *One execution of this program is
                                                                  included with month end processing.
                                                                  Charge would only apply to requests
                                                                  other than month end.
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS553                                                   $100     Plus $.35 per Confirmation
Audit Confirmations - Loans
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS554                                                            Standard at month end only. Other
Deal, Source or Participated Report                               requests $85.
------------------------------------------------------ ---------- -----------------------------------------



   20






------------------------------------------------------ ---------- -----------------------------------------
REQUEST                                                FEE
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
                                                            
BDS555                                                    $85     Per Request
Line Transcript Statement Report
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS556                                                    $85     Per Request
Note Transcript Statement Report
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS557                                                    $85     Per Request
Note Statement
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS560                                                   $170     Per Request*
Direct/Indirect Liability Reporting                               *One execution of this program is
                                                                  included with month end processing.
                                                                  Charge would only apply to requests
                                                                  other than month end.
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS564                                                    $85     Per Request
Extracts Source ID Numbers
Updates Market Prices
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS566                                                    $85     Per Request*
HMDA Reporting Code Analysis Reports                              *One execution of this program is
                                                                  included with month-end processing.
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS652                                                    $25     Per application plus $.15 per account.
Cross Application Processing SMART                                Weekend processing only.
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
BDS952                                                    $50     Per Request
Specifications Reports
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
FMS642                                                    $50     Per Request
Move Projected Budget to Current Budget
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
ADS003                                                   $100     Per Applications $.01 Per Account on
Mass Maintenance                                                  File.
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
Specification Changes                                     $25     Per Quarter Hour.
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
Special Programming or Consulting                         $85     Per Hour.
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
Computer Time for Special Client Request                  $85     Per Quarter Hour.
------------------------------------------------------ ---------- -----------------------------------------

------------------------------------------------------ ---------- -----------------------------------------
Reshipping of Print Files                                 $20     Per File
------------------------------------------------------ ---------- -----------------------------------------
                                                         $100     Minimum
------------------------------------------------------ ---------- -----------------------------------------
                                                         $500     Maximum per Processing Day
------------------------------------------------------ ---------- -----------------------------------------



   21




--------------------------------------------------------------------------------

Fiserv will provide PIM Services per the fees outlined below:

--------------------------------------------------------------------------------


                                              
         ACH Formatted File Input Service
------------------------------------------- ---------- -------------------------
                  Implementation Fee           $85.00  Per Hour
------------------------------------------- ---------- -------------------------
                                              $225.00  Minimum
------------------------------------------- ---------- -------------------------
                  Per Input Formatted File       $.01  Per Transaction
------------------------------------------- ---------- -------------------------
                                               $30.00  Minimum Per File
------------------------------------------- ---------- -------------------------

------------------------------------------- ---------- -------------------------

------------------------------------------- ---------- -------------------------
         ACH Origination Service
------------------------------------------- ---------- -------------------------
                  Implementation Fee          $150.00
------------------------------------------- ---------- -------------------------
                  Per Monthly Fee              $50.00  Plus $.01 Per Transaction
------------------------------------------- ---------- -------------------------
                                              $100.00  Monthly Minimum
------------------------------------------- ---------- -------------------------


Miscellaneous Service Fees subject to change.



   22



                                                                     Exhibit A-5

                                ANCILLARY MODULES




----------------------------------------------------------------------- ------------- ----------------------------------
                                                                          ONE-TIME
DESCRIPTION                                                                 FEE       MONTHLY FEE
----------------------------------------------------------------------- ------------- ----------------------------------

----------------------------------------------------------------------- ------------- ----------------------------------
                                                                                
General Ledger Accounting System with Cost Center Accounting                 $4,000   $100 per Center/500 Minimum
----------------------------------------------------------------------- ------------- ----------------------------------

----------------------------------------------------------------------- ------------- ----------------------------------
Asset Liability Management System                                            $4,000   $325
----------------------------------------------------------------------- ------------- ----------------------------------

----------------------------------------------------------------------- ------------- ----------------------------------
Bond Account System                                                          $1,500   $200
----------------------------------------------------------------------- ------------- ----------------------------------

----------------------------------------------------------------------- ------------- ----------------------------------
Check Reconciliation                                                         $1,500   $200 Base/$35.00 per Input File
----------------------------------------------------------------------- ------------- ----------------------------------

----------------------------------------------------------------------- ------------- ----------------------------------
Fixed Asset System                                                              N/A   Included
----------------------------------------------------------------------- ------------- ----------------------------------

----------------------------------------------------------------------- ------------- ----------------------------------
Stockholder Accounting System                                                   N/A   Included
----------------------------------------------------------------------- ------------- ----------------------------------

----------------------------------------------------------------------- ------------- ----------------------------------
Accounts Payable System                                                         N/A   Included
----------------------------------------------------------------------- ------------- ----------------------------------

----------------------------------------------------------------------- ------------- ----------------------------------
Loan Custodial Module                                                        $1,500   $200
----------------------------------------------------------------------- ------------- ----------------------------------

----------------------------------------------------------------------- ------------- ----------------------------------
Automated Collateral Insurance Reporting Module                                 N/A   $65 Per Tape
----------------------------------------------------------------------- ------------- ----------------------------------

----------------------------------------------------------------------- ------------- ----------------------------------
Automated Credit Reporting Insurance Reporting Module                           N/A   $65 Per Tape
----------------------------------------------------------------------- ------------- ----------------------------------

----------------------------------------------------------------------- ------------- ----------------------------------
Holding Company Reporting Module                                             $3,000   $300
----------------------------------------------------------------------- ------------- ----------------------------------

----------------------------------------------------------------------- ------------- ----------------------------------
Federal Call Reporting Module                                                   N/A   Included
----------------------------------------------------------------------- ------------- ----------------------------------

----------------------------------------------------------------------- ------------- ----------------------------------
Safe Deposit Box Accounting System                                              N/A   Included
----------------------------------------------------------------------- ------------- ----------------------------------

----------------------------------------------------------------------- ------------- ----------------------------------
On-Line Loan Collection Module                                               $4,000   $350
----------------------------------------------------------------------- ------------- ----------------------------------

----------------------------------------------------------------------- ------------- ----------------------------------
Telebanc                                                                    $10,000   Base  $400  plus  $.03 per  Total
                                                                                      Accounts on File
----------------------------------------------------------------------- ------------- ----------------------------------

----------------------------------------------------------------------- ------------- ----------------------------------
Execubanc Banking Module                                                     $5,000   Base  $400  plus  $.03 per  Total
(Client based hardware per separate quote)                                            Accounts on File
----------------------------------------------------------------------- ------------- ----------------------------------

----------------------------------------------------------------------- ------------- ----------------------------------
PC Banc                                                                      $5,000   Base  $400  plus  $.03 per  Total
(Client based Hardware per separate quote)                                            Accounts on File
----------------------------------------------------------------------- ------------- ----------------------------------

----------------------------------------------------------------------- ------------- ----------------------------------
Director Interface                                                           $5,000   $500
----------------------------------------------------------------------- ------------- ----------------------------------

----------------------------------------------------------------------- ------------- ----------------------------------
Prime Data Warehousing                                                       $5,000   Base  $400  Plus  $.03 per  Total
         Hardware/Software Per Separate Quote                                         Accounts on File
         Third Party Training Additional
----------------------------------------------------------------------- ------------- ----------------------------------

------------------------------------------------------------------------------------------------------------------------
NetBanc (Internet Banking)                                                            Per Separate Quote
------------------------------------------------------------------------------------------------------------------------



   23

                                                                     Exhibit A-5




----------------------------------------------------------------------- ------------- ----------------------------------
                                                                          ONE-TIME
DESCRIPTION                                                                 FEE       MONTHLY FEE
----------------------------------------------------------------------- ------------- ----------------------------------

----------------------------------------------------------------------- ------------- ----------------------------------
                                                                                
PLUS                                                                            N/A   Included
----------------------------------------------------------------------- ------------- ----------------------------------

----------------------------------------------------------------------- ------------- ----------------------------------
Sharp 6500                                                                   $2,500   $250
----------------------------------------------------------------------- ------------- ----------------------------------

----------------------------------------------------------------------- ------------- ----------------------------------
Platform Transfer CFI Loan/CFI Deposit/Bankers System                        $2,500   $250 per Function
Deposit/Bankers System Loan/Formation Technologies Loan
----------------------------------------------------------------------- ------------- ----------------------------------

------------------------------------------------------------------------------------------------------------------------
Ancillary Module One-Time Fees and Monthly Fees subject to change.
Implementation travel and related expenses additional.
------------------------------------------------------------------------------------------------------------------------



   24




                                                                     EXHIBIT A-6
                                     TABLE I

                              PERFORMANCE STANDARDS




---------------------------- --------------------------- --------- ------------------------- ---------------------
SCHEDULE                     CRITICAL                    WT.       MINIMUM SERVICE LEVEL     PERFORMANCE STANDARD
AVAILABILITY                 APPLICATION
---------------------------- --------------------------- --------- ------------------------- ---------------------
                                                                                 
07:00-19:00 M-F              Online Uptime                   5     98%                       99.7%
07:00-16:00 Sat.             All Applications
                             (Within 15 Minutes)
---------------------------- --------------------------- --------- ------------------------- ---------------------
07:00-1900 M-F               Online Uptime                  20     98%                       99.7%
07:00-16:00 sat.             All Applications
                             (Exceeding 15 Minutes)
---------------------------- --------------------------- --------- ------------------------- ---------------------
07:00-19:00 M-F              Online Response                 5     3 Seconds                 1.5 Seconds
07:00-16:00 Sat.             Time Backoffice                       **
---------------------------- --------------------------- --------- ------------------------- ---------------------
07:00-19:00 M-F              Online Response                10     5 Seconds                 3 Seconds
07:00-16:00 Sat.             Time Platform                         **
---------------------------- --------------------------- --------- ------------------------- ---------------------
07:00-19:00 M-F              Online Response                10     3 Seconds                 1.5 Seconds
07:00-16:00 Sat.             Time Teller                           **
---------------------------- --------------------------- --------- ------------------------- ---------------------
7:30 T-Sat.                  Batch Reports*                  5     98%                       99.7%
                             Remote Print
---------------------------- --------------------------- --------- ------------------------- ---------------------
7:30 T-Sat.                  Optical Reports                 5     98%                       99.7%
---------------------------- --------------------------- --------- ------------------------- ---------------------


DEFINITIONS:

Uptime:                    The specified hour in which the Critical Application
                           is actually available for use by End Users.

Response Time:             The Time that is measured by stopwatch between
                           the instant and End User transmits data (hits the
                           Enter key) and the time the same End User receives a
                           response at the originating workstation.

Minimum Service Level:     The lowest level of service which is maintained
                           during any month before penalties are assessed.

Performance Standard:      The expected level of service to be maintained in any
                           month.




*        Excludes SMART Reports, Special Requests and Statements
**       Provided Client Has Sufficient Capacity at Client Locations


   25



         1.       Services. Fiserv will provide the Client the Item Processing
Services (the "Item processing Services") specified in Exhibit B-1. client
agrees that Fiserv shall be the sole provider of Item Processing or similar
services. Client shall not contract with another vendor or attempt to provide
in-house any such Item Processing Services or similar services without Fiserv's
prior written consent.

         2.       Fees. Client shall pay Fiserv the fees and other charges for
the Item Processing Services specified in Exhibit B-2. Fiserv agrees to give at
least thirty (30) days' notice to Client of any changes in the rules and
procedures established for processing items in the Exhibit of costs, fees, and
charges, unless such changes are caused by changes made by the Federal Reserve
System or otherwise beyond the control of Fiserv, not permitting Fiserv to give
such advance notice. Fiserv reserves the right to make such changes without
notice to the Exhibits as may be necessary to cover any increases in the costs
and charges of the Federal Reserve System or in other costs and charges beyond
the Fiserv's control, including changes required by applicable law or regulatory
activity. The fees listed in Exhibit B-2 may be changed annually on the
anniversary date of this Exhibit upon 30 days notice to Client. Each change
shall be limited to the change in the U.S. Department of Labor, Consumer Price
Index for All Urban Households ("CPI") for the 12-month period preceding the
anniversary date. Fiserv will deliver a revised Exhibit B-2 to the Client with
the notification of the fee change.

         3.       No Fiduciary Relationship. Fiserv shall perform such Item
processing Services for which Fiserv shall subscribe as agent of Client, and
Fiserv shall not have by reason of this Agreement a fiduciary relationship with
respect to Client.

         4.       Lost, Destroyed, and Misplaced Items. Fiserv assumes no
liability for any item lost, destroyed, or misplaced while in transit before the
item physically arrives at the premises of Fiserv and is received by Fiserv. In
the event any items are lost, destroyed, or misplaced, and such event is not due
to gross negligence or intentional misconduct by Fiserv, Client shall be solely
responsible for the costs and expenses incurred by Fiserv in reconstructing any
such items and for any damages or other losses that may be incurred by Fiserv
due to the collection of such items. In the event Fiserv negligently loses,
destroys, or misplaces deposited items after acceptance of said deposit, Fiserv
shall be liable only for the reasonable reconstruction costs of the deposit.
Reasonable reconstruction costs shall be only those costs that arise from the
reconstruction of a microfilmed deposit. Fiserv shall not be liable for the
reconstruction costs associated with a deposit for which Client can provide a
microfilmed record of such item(s) contained in the deposit. In no event shall
Fiserv be liable for the face value of any lost of missing deposit item(s).

         5.       Governmental Regulation. This Exhibit shall be governed by and
is subject to: the applicable laws, regulations, rules, terms and conditions, as
presently in effect of hereafter amended or adopted, of the United States of
America, the State of Wisconsin, the Federal Reserve Board, the Federal Reserve
Banks, the Federal Housing Finance Board, and any other governmental agency or
instrumentality having jurisdiction over the subject matter of this Exhibit.
client agrees to abide by such requirements and to execute and deliver such
agreements, documents, or other forms as may be necessary to comply with the
provisions hereof, including, without limitation, agreements to establish Fiserv
as Client's Agent for purposes of delivery of items processed hereunder from or
to the Federal Reserve Banks. Any such agreements shall be made a part of this
Agreement and are incorporated herein. A change or termination of such laws,
regulations, rules, terms, conditions, and agreements shall constitute,
respectively, a change or termination as to this Exhibit.

         6.       Client Responsibilities. Client shall maintain adequate
supporting materials (i.e. exact copies of the items, records, and other data
supplied to Fiserv) in connection with the provision of Item Processing
Services. client shall provide written notice of confirmation and/or
verification of any instructions given by Client, its agents, employees,
officers, or directors to Fiserv in connection with Fiserv's provision of Item
Processing Services.

         7.       Regulatory Authority. Client data and records shall be subject
to regulation and examination by government supervisory agencies to the same
extent as if such information were on Client's premises.

         8.       Forms and Supplies. client assumes and will pay the charges
for all customized forms, supplies, and delivery charges. Custom forms ordered
through Fiserv will be subject to the administrative fee set forth in Exhibit
B-2.


   26



         IN WITNESS WHEREOF, the parties hereto have caused this Exhibit B to
the Agreement to be executed by their duly authorized representatives as of the
date indicated below.


FIRST FEDERAL BANK                         FISERV SOLUTIONS, INC.


By:      \s\ J. Xxxxxx Xxxxxxxx            By:      \s\ Xxxxxxx X. Xxxxx
   ---------------------------------          ---------------------------------
Name:    J. Xxxxxx Xxxxxxxx                Name:      Xxxxxxx X. Xxxxx
     -------------------------------            -------------------------------
Title:    President & CEO                  Title:     SVP FISERV ATA.
      ------------------------------             ------------------------------
Date:                                      Date:          1-4-99
     -------------------------------            -------------------------------



   27



                                                                     Exhibit B-1

                            Item Processing Services


Fiserv will provide Client the following Item Processing Services:

         1. INCLEARING: Client authorizes Fiserv to receive Client's inclearing
items each business from the Federal Reserve Bank, local clearinghouse, and, in
the case of same day settlement, from presenting banks.

         (a)  Fiserv will balance the inclearing items to Client's cash letters,
              capture the items on magnetic media, microfilm, and transmit the
              account information to Client's account processing servicer.

         (b)  Based on the agreement of Fiserv and Client, all inclearing items
              shall be: (i) stored by Fiserv and returned to Client at each
              statement cycle date; (ii) stored by Fiserv for future statement
              rendering; or (iii) returned to Client.
         (c) Unless otherwise agreed in writing, Fiserv will not check
             signatures.

         2. PROOF: On each business day (excluding Saturdays, Sundays, and
holidays), Client will deliver to the Fiserv Processing Center checks and other
items deposited to accounts with client, checks and other items drawn on Client
accounts presented for encashment, and transactional entries generated by
Client, such as tellers' cash tickets, general ledger entries, and loan entries.

         (a)  Client agrees to MICR encode documents to meet Fiserv
              specifications (ABA and Account Numbers and Transaction Codes).
         (b)  Client agrees to microfilm all items submitted to Fiserv.
         (c)  Client agrees that all transactional entries involving tellers'
              cash tickets, general ledger entries, or loan entries shall be in
              balance, and that Fiserv may return to Client unprocessed any
              transactional entries that are not in balance.
         (d)  Client agrees to segregate all items into batches not to exceed 3"
              in depth and to identify each such batch with a batch header
              meeting Fiserv specifications.
         (e)  From the items submitted to Fiserv, Fiserv shall retrieve such
              "on-us" information as may be necessary for the proper accounting
              of the items and shall transmit this information to Client's
              account processing servicer through telephone lines or by such
              other means as Fiserv may from time to time deem appropriate.
         (f)  Client authorizes Fiserv to create ledger suspense entries,
              deposit corrections, or other such entries to balance
              transactions, except for those transactions outlined in
              sub-paragraph (c) above, as may be necessary to the efficient
              processing of the items.
         (g)  Unless otherwise agreed in writing, Fiserv will not check
              signatures.
         (h)  After Fiserv has completed the process of retrieving and
              transmitting to Client's account processing servicer the
              information necessary for processing, all items not drawn against
              client shall be forwarded for collection to the Federal Reserve
              Bank or to such correspondent banks as Client may reasonably
              designate in writing to Fiserv.
         (i)  As agreed by Fiserv and Client, all items drawn against client
              shall be: (i) stored by Fiserv and returned to Client at each
              statement cycle date; (ii) stored by Fiserv for future statement
              rendering; or (iii) returned to client.
         (j)  All internally generated items shall be returned to Client or held
              by Fiserv in accordance with Client's written instructions.

         3. ENCODING: Fiserv will encode the dollar amount on all items needing
encoding and presented to Fiserv as part of the PROOF function described above.

(a)      Fiserv may encode additional fields, such as account numbers, deposit
         ticket totals or other items as specified by client. Any such encoding
         will be according to terms agreed to by Fiserv.

         4. EXCEPTION ITEM PROCESSING: One day after receipt of items, Fiserv
will perform an automated exception item pull for all items identified by
Client's account processing system for exception pull (NSF's, holds, large
dollars, or other criteria mutually agreed to by Client and Fiserv).

         (a)  Client's account processing servicer will provide an exception
              item file to Fiserv after posting and updating of customer
              accounts and on a mutually agreed schedule.
         (b)  Fiserv will either reject or pay exception items in accordance
              with instructions, either written or oral, from client's
              authorized officer(s) or employee(s).


   28




         (c)  In the event no instructions are received, Fiserv will follow
              Client's standing orders for exceptions, which will be provided in
              writing by Client.
         (d)  For items to be returned, Fiserv will: (i) stamp and qualify the
              items and return them to the Federal Reserve Bank; or (ii) provide
              other services as agreed by Fiserv and Client.

         5. STATEMENT RENDERING: Fiserv will store all checks, drafts, and other
orders for the payment of money drawn against accounts at Client. At each Client
account cycle date, Fiserv will sort the items by account, match them with the
monthly account statement, and mail to the statement address.

         (a) client will arrange for delivery of account statements to Fiserv at
             Client's cost.
         (b) Fiserv will add inserts to statements upon instructions from
             Client.
         (c) Fiserv will apply proper postage, which will be pre-paid monthly
             on an estimated basis.
         (d) Fiserv may, at its expense, arrange for statements to be pre-sorted
             to reduce postage costs. In such event, client will be billed
             standard postage charges.

         6. COURIER SERVICES: Client is responsible for the provision of all
courier services except as noted below.

         (a)  Fiserv will provide, at its cost, standard scheduled trips between
              Fiserv and: (i) the Federal Reserve bank; and (ii) local
              clearinghouse.
         (b)  client will provide, at its cost, all other courier services,
              including delivery of items from its branches to Fiserv and the
              delivery of all items from Fiserv to Client.
         (c)  client will either provide necessary courier services or contract
              with a third party for these courier services. Client will be
              invoiced directly for any such third party services.
         (d)  If requested by Client and agreed to in writing by Fiserv, Fiserv
              may provide courier services, either with Fiserv personnel or
              through a third party provider under contract to Fiserv. In the
              event Fiserv provides courier services:

                  (i) Client shall pay Fiserv for such courier services at a
                      rate agreed to by the parties; and

                  (ii)Client agrees that Fiserv shall have no liability or
                      responsibility for items being transported under such
                      courier services until such items have reached Fiserv
                      premises.



   29



                                                                       Exhibit H

                          Item processing Service Fees


                                                                             
------------------------------------- ---------------------------- ------------------ --------------------
One-Time Implementation Fee                                             $5,000.00
------------------------------------- ---------------------------- ------------------ --------------------

------------------------------------- ---------------------------- ------------------ --------------------
Inclearing Capture                    0 - 250,000                           $.015     Per Item
------------------------------------- ---------------------------- ------------------ --------------------
                                      250,001 - 500,000                     $.014     Per Item
------------------------------------- ---------------------------- ------------------ --------------------
                                      500,001 - 1,000,000                   $.013     Per Item
------------------------------------- ---------------------------- ------------------ --------------------
                                      Over 1,000,000                        $.012     Per Item
------------------------------------- ---------------------------- ------------------ --------------------
                                      Minimum                             $250.00     Per Month
------------------------------------- ---------------------------- ------------------ --------------------

------------------------------------- ---------------------------- ------------------ --------------------
Reject Re-Entry                                                             $.025     Per Item
------------------------------------- ---------------------------- ------------------ --------------------

------------------------------------- ---------------------------- ------------------ --------------------
Microfilming                                                                $.005     Per Item
------------------------------------- ---------------------------- ------------------ --------------------
                                      Minimum                              $15.00     Per Day
------------------------------------- ---------------------------- ------------------ --------------------

------------------------------------- ---------------------------- ------------------ --------------------
Fine Sorting                                                                $.006     Per Item
------------------------------------- ---------------------------- ------------------ --------------------

------------------------------------- ---------------------------- ------------------ --------------------
Serial Sorts                                                                $.025     Per Item
------------------------------------- ---------------------------- ------------------ --------------------
                                      Minimum                               $8.00     Per Account
------------------------------------- ---------------------------- ------------------ --------------------

------------------------------------- ---------------------------- ------------------ --------------------
POD/Transit Capture                   0 - 250,000                           $.020     Per Item
------------------------------------- ---------------------------- ------------------ --------------------
                                      250,001 - 500,000                     $.018     Per Item
------------------------------------- ---------------------------- ------------------ --------------------
                                      500,001 - 1,000,000                   $.016     Per Item
------------------------------------- ---------------------------- ------------------ --------------------
                                      Over 1,000,000                        $.014     Per Item
------------------------------------- ---------------------------- ------------------ --------------------
                                      Minimum                             $250.00     Per Month
------------------------------------- ---------------------------- ------------------ --------------------

------------------------------------- ---------------------------- ------------------ --------------------
Proof Encoding                                                              $.025     Per Field
------------------------------------- ---------------------------- ------------------ --------------------

------------------------------------- ---------------------------- ------------------ --------------------
Deposit Corrections                                                         $1.00     Per Correction
------------------------------------- ---------------------------- ------------------ --------------------

------------------------------------- ---------------------------- ------------------ --------------------
Exception Item Pull                   0 - 250,000                           $.006     Per Item
------------------------------------- ---------------------------- ------------------ --------------------
                                      250,001 - 500,000                     $.005     Per Item
------------------------------------- ---------------------------- ------------------ --------------------
                                      500,001 - 1,000,000                   $.004     Per Item
------------------------------------- ---------------------------- ------------------ --------------------
                                      Over 1,000,000                        $.003     Per Item
------------------------------------- ---------------------------- ------------------ --------------------

------------------------------------- ---------------------------- ------------------ --------------------
Returns Qualification                                                       $.400     Per Item
------------------------------------- ---------------------------- ------------------ --------------------

------------------------------------- ---------------------------- ------------------ --------------------
Return Items                                                                $2.00     Per Item
------------------------------------- ---------------------------- ------------------ --------------------

------------------------------------- ---------------------------- ------------------ --------------------
Late Return Items                                                           $3.00     Per Item
------------------------------------- ---------------------------- ------------------ --------------------

------------------------------------- ---------------------------- ------------------ --------------------
Large Dollar Fax                                                            $1.00     Per Item
------------------------------------- ---------------------------- ------------------ --------------------

------------------------------------- ---------------------------- ------------------ --------------------
Large Dollar Notification                                                   $4.50     Per Item
------------------------------------- ---------------------------- ------------------ --------------------

------------------------------------- ---------------------------- ------------------ --------------------
Research Work                                                              $20.00     Per Hour
------------------------------------- ---------------------------- ------------------ --------------------

------------------------------------- ---------------------------- ------------------ --------------------
Photo Copy                                                                  $2.50     Per Item
------------------------------------- ---------------------------- ------------------ --------------------

------------------------------------- ---------------------------- ------------------ --------------------
Original Item Retrieval                                                     $3.00     Per Item
------------------------------------- ---------------------------- ------------------ --------------------



   30





                                                                             
------------------------------------- ---------------------------- ------------------ --------------------
Fed Adjustments                                                            $10.00     Per Item
------------------------------------- ---------------------------- ------------------ --------------------

------------------------------------- ---------------------------- ------------------ --------------------
Item Storage                                                               $.0045     Per Item
------------------------------------- ---------------------------- ------------------ --------------------

------------------------------------- ---------------------------- ------------------ --------------------
Statement Rendering                                                          $.10     Per Account
------------------------------------- ---------------------------- ------------------ --------------------

------------------------------------- ---------------------------- ------------------ --------------------
Statement Items Inserted                                                     $.01     Per Item
------------------------------------- ---------------------------- ------------------ --------------------

------------------------------------- ---------------------------- ------------------ --------------------
Other Mailings                                                               $.07     Per Account
------------------------------------- ---------------------------- ------------------ --------------------

------------------------------------- ---------------------------- ------------------ --------------------
Programming                                                                $85.00     Per Hour
                                                                                      1 Hour Minimum
------------------------------------- ---------------------------- ------------------ --------------------

------------------------------------- ---------------------------- ------------------ --------------------
Transmissions                                                              $15.00     Per File
------------------------------------- ---------------------------- ------------------ --------------------



PASS-THRU CHARGES
         Postage and Express Mail
         Couriers
         Envelopes and Statements
         Custom and Special Forms


   31

                                                                       Exhibit H

                         IMAGE PROCESSING SERVICES FEES



                                                                                      
----------------------------------------------------------------------- ------------------- ----------------------------------
INSTALLATION AND ONE TIME CHARGES
----------------------------------------------------------------------- ------------------- ----------------------------------

----------------------------------------------------------------------- ------------------- ----------------------------------
         Image Library Software
----------------------------------------------------------------------- ------------------- ----------------------------------
                  PC Platform (First User)                                      $995.00
----------------------------------------------------------------------- ------------------- ----------------------------------
                  Additional Users                                              $500.00     Each
----------------------------------------------------------------------- ------------------- ----------------------------------
         Annual License Agreement                                                   15%     Per year/User
----------------------------------------------------------------------- ------------------- ----------------------------------

----------------------------------------------------------------------- ------------------- ----------------------------------
         One Time Set-Up Charges
----------------------------------------------------------------------- ------------------- ----------------------------------
                  Estimated On-Site Two (2) Days                             $5,000.00*     Plus Travel/Expenses
------------------------------------------------------------------------------------------------------------------------------

NOTE:    Additional charge for interfaces will be priced separate with your core
         processing provider.



                                                                                      
------------------------------------------------------------------------------------------------------------------------------
MONTHLY RECURRING CHARGES
----------------------------------------------------------------------- ------------------- ----------------------------------

----------------------------------------------------------------------- ------------------- ----------------------------------
         Inclearing Capture                                                      $0.015     Per Item
----------------------------------------------------------------------- ------------------- ----------------------------------
         Item Image Scan (Front & Rear)                                          $0.008     Per Item
----------------------------------------------------------------------- ------------------- ----------------------------------
         Physical Item Storage & Destruction (45 Day Retention)                  $0.001     Per Item
----------------------------------------------------------------------- ------------------- ----------------------------------
         Image Inquiry to Fiserv LAN                                             $0.900     Per Inquiry
----------------------------------------------------------------------- ------------------- ----------------------------------
         Customer Laser Printed Image Statements
(Includes Statement/Envelope stock, Custom Orders
                  quoted on request)
----------------------------------------------------------------------- ------------------- ----------------------------------

----------------------------------------------------------------------- ------------------- ----------------------------------
         Retail Customer                                                         $0.600     Per Account
----------------------------------------------------------------------- ------------------- ----------------------------------
         Up to 5 Sides, Front Image Only, additional $.030
          if EOM Cycle, additional sides @ $.08 each.
----------------------------------------------------------------------- ------------------- ----------------------------------

----------------------------------------------------------------------- ------------------- ----------------------------------
         Commercial Customer                                                     $1.600     Per Account
         Up to 9 Sides, Front & Back Image
----------------------------------------------------------------------- ------------------- ----------------------------------

----------------------------------------------------------------------- ------------------- ----------------------------------
         Monthly Minimum Processing                                           $1,000.00     or 20% of DDA Retail
                                                                                            Volume (whichever is
                                                                                            the greater)
----------------------------------------------------------------------- ------------------- ----------------------------------

----------------------------------------------------------------------- ------------------- ----------------------------------
OTHER SERVICES/CONSIDERATIONS
----------------------------------------------------------------------- ------------------- ----------------------------------

----------------------------------------------------------------------- ------------------- ----------------------------------
         CD-ROM Image Distribution                                               $25.00     Plus Shipping
----------------------------------------------------------------------- ------------------- ----------------------------------
         Archive Options Available Upon Request
----------------------------------------------------------------------- ------------------- ----------------------------------


Dial Up Communications compatible modems and phone toll charges responsibility
of Client or Customer.

Other Statement Rendering and Back Office Services at then current fees.

Future services may be provided by Fiserv as developed and priced separately.

* One-time set-up charges of $5,000.00 will be reduced by $2,500.00 if Image
Processing Services are elected in conjunction with traditional Item Processing.


   32



                                                                       Exhibit H

                   FISERV ATLANTA DISASTER RECOVERY AGREEMENT
                                ON-LINE SERVICES



I.       A Disaster shall mean any unplanned interruption of the operations of
         or inaccessibility to Fiserv's data center which appears in Fiserv's
         reasonable judgment to require relocation of processing to a primary
         recovery location. Fiserv shall notify client as soon as possible after
         it deems a service outage to be a Disaster. Fiserv shall move the
         processing of Client's standard on-line services to a primary recovery
         location as expeditiously as possible and shall coordinate the cut-over
         to back-up data lines with the appropriate carriers. Client shall
         maintain adequate records of all transactions during the period of
         service interruption and shall have personnel available to assist
         Fiserv in implementing the switchover to the primary recovery location.
         during a Disaster, optional or on-request services shall be provided by
         Fiserv only to the extent that there is adequate capacity at the
         primary recovery location and only after stabilizing the provision of
         base on-line services.

II.      Fiserv shall work with Client to establish a plan for alternative data
         communications in the event of a Disaster.

III.     Fiserv shall test its Disaster Recovery Services Plan by conducting an
         annual test. Client agrees to participate in and assist Fiserv with
         such testing. Test results will be made available to Client's
         management, regulators, internal and external auditors, and (upon
         request) to Client's insurance underwriters.

IV.      client understands and agrees that the Fiserv Disaster Recovery Plan is
         designed to minimize but not eliminate risks associated with a Disaster
         affecting Fiserv's data center. Fiserv does not warrant that service
         will be uninterrupted or error free in the event of a Disaster. Client
         maintains responsibility for adopting a disaster recovery plan relating
         to disasters affecting Client's facilities and for securing business
         interruption insurance or other insurance as necessary to properly
         protect Client's revenues in the event of a disaster.

V.       Monthly subscription fee $100.00.




ACCEPTED BY:

FIRST FEDERAL BANK                          FISERV SOLUTIONS, INC.



  \s\ J. Xxxxxx Xxxxxxxx                         \s\ Xxxxxxx X. Xxxxxx
----------------------------------          -----------------------------------
Authorized Signature                        Authorized Signature
Printed Name:  J. Xxxxxx Xxxxxxxx           Printed Name:  Xxxxxxx X. Xxxxxx
Title:  President & CEO                     Title:  President Fiserv Atlanta



         Dec. 08, 1998                                 12/14/98
----------------------------------          -----------------------------------
Date                                        Date


   33

                                                                       Exhibit H


                   FISERV ATLANTA DISASTER RECOVERY AGREEMENT
                            ITEM PROCESSING SERVICES


I.       A Disaster shall mean any unplanned interruption of the operations of
         item processing equipment and/or communications capabilities for
         transmission of captured documents. Fiserv will provide facilities for
         source document Capture, fine sort or bulk file, and Exception Item
         Pull processing at the nearest Fiserv Atlanta Item Processing facility.

II.      Fiserv shall work with the Client in arranging mutually agreed upon
         processing schedules and delivery times. It will be the responsibility
         of the Client for all transportation to and from the Fiserv processing
         facility. client shall assume total responsibility for source documents
         in transit to and from the Fiserv facility.

III.     Fiserv shall test its Disaster Recovery Services Plan annually with the
         participation and assistance of the Client. Test results will be made
         available to Client's management, regulators, internal and external
         auditors, and (upon request) to Client's insurance underwriters.

IV.      Client maintains responsibility for securing business interruption
         insurance or other insurance as necessary to properly protect Client's
         revenues in the event of a disaster.

V.       Item Processing Service Fees:

                  $250.00  One-Time Set-Up Fee
                  $250.00  Annual Testing Fee
                  $100.00  Monthly Subscription Fee
                  $100.00  Plus $.01 per Item Processed upon Activation
                  Microfilms @ $20.00 per roll (includes film and development)
                  Transportation costs the responsibility of Client.





ACCEPTED BY:

FIRST FEDERAL BANK                          FISERV SOLUTIONS, INC.



      \s\ J. Xxxxxx Xxxxxxxx                         Xxxxxxx X. Xxxxx
----------------------------------          -----------------------------------
Authorized Signature                        Authorized Signature
Printed Name:  J. Xxxxxx Xxxxxxxx           Printed Name:
Title:  Pres. & CEO                         Title:



         Dec. 08, 1998                                   1-4-99
----------------------------------          -----------------------------------
Date                                        Date


   34

                                                                       Exhibit H

               FISERV SOLUTIONS, INC. DISASTER RECOVERY AGREEMENT
                                EFT/ATM SERVICES
                         (Atlanta Stratus Support Only)


I.       A Disaster shall mean any unplanned interruption of the operations of
         or inaccessibility to Fiserv's data center which appears in Fiserv's
         reasonable judgment to require relocation of processing to a primary
         recovery location. Fiserv shall notify Client as soon as possible after
         it deems a service outage to be a Disaster. Fiserv shall move the
         processing of Client's standard on-line services to a primary recovery
         location as expeditiously as possible and shall coordinate the cut-over
         to back-up data lines with the appropriate carriers. Client shall
         maintain adequate records of all transactions during the period of
         service interruption and shall have personnel available to assist
         Fiserv in implementing the switchover to the primary recovery location.
         During a Disaster, optional or on-request services shall be provided by
         Fiserv only to the extent that there is adequate capacity at the
         primary recovery location and only after stabilizing the provision of
         base on-line services.

II.      Fiserv shall work with Client to establish a plan for alternative data
         communications in the event of a Disaster.

III.     Fiserv shall test its Disaster Recovery Services Plan by conducting an
         annual test. Client agrees to participate in and assist Fiserv with
         such testing. Test results will be made available to Client's
         management, regulators, internal and external auditors, and (upon
         request) to Client's insurance underwriters.

IV.      Client understands and agrees that the Fiserv Disaster Recovery Plan is
         designed to minimize but not eliminate risks associated with a Disaster
         affecting Fiserv's data center. Fiserv does not warrant that service
         will be uninterrupted or error free in the event of a Disaster. Client
         maintains responsibility for adopting a disaster recovery plan relating
         to disasters affecting Client's facilities and for securing business
         interruption insurance or other insurance as necessary to properly
         protect Client's revenues in the event of a disaster.

V.       Monthly subscription fee $100.00.




ACCEPTED BY:

FIRST FEDERAL BANK                          FISERV SOLUTIONS, INC.



      \s\ J. Xxxxxx Xxxxxxxx                       \s\ Xxxxxxx X. Xxxxxx
----------------------------------          -----------------------------------
Authorized Signature                        Authorized Signature
Printed Name:  J. Xxxxxx Xxxxxxxx           Printed Name:  Xxxxxxx X. Xxxxxx
Title:  Pres. & CEO                         Title:  President Fiserv Atlanta



           Dec. 08, 1998                                  12/14/98
----------------------------------          -----------------------------------
Date                                        Date