Exhibit 10.21 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, 1991. 81

Exhibit 10.21

          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, 1991.
     81