Exhibit 10.23 Indenture Agreement with respect to Capital Notes dated April 8, 1994. This Indenture Agreement is incorporated by reference from Form 10-K of Brenton Banks, Inc., for the year ended December 31, 1994. 83

Exhibit 10.23

          Indenture Agreement with respect to Capital Notes dated
          April 8, 1994.  This Indenture Agreement is incorporated
          by reference from Form 10-K of Xxxxxxx Xxxxx, Inc., for
          the year ended December 31, 1994.
     83