WITNESSETH:

 
                                                                  EXHIBIT (10.3)

                     FIFTH AMENDMENT TO SERVICE AGREEMENT


     This Fifth Amendment to Service Agreement made and entered into this 23rd
day of December, 1996 by and between Oak Brook Bank, 0000 Xxxxxxxxx Xxxxxx, Xxx
Xxxxx, Xxxxxxxx 00000 ("Buyer") and First Data Resources Inc., 0000 Xxxxxxx
Xxxxxx, Xxxxx, Xxxxxxxx 00000 ("FDRI").


                                  WITNESSETH:

     WHEREAS, Buyer and FDRI heretofore entered into a Service Agreement dated
as of November 22, 1991 as amended by Amendments to Service Agreement dated
September 2, 1994, March 1, 1996, March 1, 1996 and June 19, 1996 (the "Service
Agreement"); and

     WHEREAS, Buyer and FDRI now desire to amend the Service Agreement as
hereinafter more particularly set forth;

     NOW THEREFORE, Buyer and FDRI hereby agree as follows:

     1.   Exhibit "B", Section II - a of the Service Agreement, Item "7619 -
Plasticard Agent/Strategy Inserting Set-Up" is hereby amended to read as
follows, effective December 23, 1996:

"7619     Plasticard Agent/Strategy Inserting Set-Up         $4.5000/set-up"

     2.   As hereby amended and supplemented, the Service Agreement shall remain
in full force and effect.

     IN WITNESS WHEREOF, the parties hereto have executed this Amendment to
Service Agreement the day and year first above written.

FIRST DATA RESOURCES INC.                      OAK BROOK BANK

By: /s/XXXXXX X. XXXX                          By: /s/ XXXXXXXXX XXXXXX
    -----------------------                        ---------------------------

Title: EVP-Client Services                     Title: Chief Financial Officer
       --------------------                           ------------------------