0000909654-02-000704 Sample Contracts

EXHIBIT 10.2 FORM OF FIRST FEDERAL BANCSHARES, INC. ASSUMPTION AGREEMENT FOR PFSB BANCORP, INC. 2000 STOCK-BASED INCENTIVE PLAN
Stock Option Assumption Agreement • November 27th, 2002 • First Federal Bancshares Inc /De • Savings institution, federally chartered
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