EXHIBIT 10.3 Change of Control Agreement between Premier Bancorp, Inc., Premier Bank and John J. Ginley (Incorporated by reference to Exhibit 10.3 to our Quarterly Report on Form 10-QSB filed with the Commission on November 13, 1998).

                                  EXHIBIT 10.3

Change of Control Agreement between Premier Bancorp, Inc., Premier Bank and Xxxx
X. Xxxxxx (Incorporated by reference to Exhibit 10.3 to our Quarterly Report on
Form 10-QSB filed with the Commission on November 13, 1998).