Exhibit 10.16 Restated Trust Agreement for Brenton Banks, Inc. Retirement Plan, effective January 1, 1986. This Restated Trust Agreement is incorporated by reference from Form 10-K of Brenton Banks, Inc., for the year ended December 31, 1991. 76

Exhibit 10.16

          Restated Trust Agreement for Xxxxxxx Xxxxx, Inc. Retirement Plan,
          effective January 1, 1986.  This Restated Trust Agreement is
          incorporated by reference from Form 10-K of Xxxxxxx Xxxxx, Inc.,
          for the year ended December 31, 1991. 
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