Mr. Daly's Employment is the same as the Employment Agreement in Exhibit 10.3, which is incorporated herein by reference except as to: (i) the name of the Executive, which is Michael P. Daly; (ii) the position in Section 1, which is Executive Vice...

         Xx.  Xxxx'x  Employment  is the  same as the  Employment  Agreement  in
Exhibit 10.3,  which is incorporated  herein by reference  except as to: (i) the
name of the Executive, which is Xxxxxxx X. Xxxx; (ii) the position in Section 1,
which is Executive Vice President - Senior Loan Officer; and (iii) the amount of
the base salary in Section 3(a), which is $139,250.