SECOND AMENDMENT OF THE EXECUTIVE SUPPLEMENTAL RETIREMENT AGREEMENT OF STEVE DAVIS This Second Amendment, dated as of the 23rd day of July, 1997, hereby amends the Executive Supplemental Retirement Agreement between Steve Davis and Citizens Savings...

                             SECOND AMENDMENT OF THE
                 EXECUTIVE SUPPLEMENTAL RETIREMENT AGREEMENT OF
                                   XXXXX XXXXX

         This Second  Amendment,  dated as of the 23rd day of July, 1997, hereby
amends the Executive  Supplemental  Retirement Agreement between Xxxxx Xxxxx and
Citizens Savings Bank of Frankfort dated as of January 1, 1993, as amended prior
to the date hereof (the "Agreement").

         Effective  as of the date  hereof,  the term  "Executive"  in  Sections
10.1(5)(i) and (ii) shall be replaced with the phrase "Director of the Office of
Thrift Supervision or his successor in interest" in each place it appears.

         IN WITNESS WHEREOF,  the parties have executed this Amendment as of the
day and year written above.

                                 
                                  ----------------------------
                                  Xxxxx Xxxxx


                                  CITIZENS SAVINGS BANK OF FRANKFORT


                                  By: 
                                     -------------------------
                                     Xxxx X. Xxxxxx, President












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