Indenture Agreement with respect to Capital Notes dated April 10, 1996. This Indenture Agreement is incorporated by reference from Form 10-K of Brenton Banks, Inc. for the year ended December 31, 1996. 156

Exhibit 10.20

Indenture Agreement with respect to Capital Notes dated April 10, 1996.  This
Indenture Agreement is incorporated by reference from Form 10-K of Xxxxxxx
Xxxxx, Inc. for the year ended December 31, 1996.
     156