EXHIBIT 10.6 EMPLOYMENT AGREEMENT BETWEEN CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION OF WELLSVILLE AND JOHN A. RIFE EXHIBIT 10.6 Mr. Rife's Employment Agreement is the same as the Employment Agreement in Exhibit 10.5, which is incorporated herein by...

                                  EXHIBIT 10.6
            EMPLOYMENT AGREEMENT BETWEEN CENTRAL FEDERAL SAVINGS AND
                 LOAN ASSOCIATION OF WELLSVILLE AND XXXX X. XXXX


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                                  EXHIBIT 10.6

         Xx. Xxxx'x Employment Agreement is the same as the Employment Agreement
in Exhibit 10.5, which is incorporated herein by reference except as to: (i) the
name of the signatory, which is Xxxx X. Xxxx; (ii) the position in Section 1,
which is Executive Vice President and Treasurer; (iii) the signatory for the
Company, which is Xxxxxxx X. Xxxxxxxx; (iv) the guarantor for the Company, which
is Xxxxxxx X. Xxxxxxxx; and (v) the amount of the base salary in Section 3(a),
which is $92,961.