Indenture Agreement with respect to Capital Notes dated March 27, 1991. This Indenture Agreement is incorporated by reference from Form 10-K of Brenton Banks, Inc. for the year ended December 31, 1996. 131

Exhibit 10.16

          Indenture Agreement with respect to Capital Notes dated March 27,
          1991. This Indenture Agreement is incorporated by reference from Form
          10-K of Xxxxxxx Xxxxx, Inc. for the year ended December 31, 1996.
     131