0000946275-03-000027 Sample Contracts

FOR INCENTIVE STOCK OPTIONS UNDER SECTION 422 OF THE INTERNAL REVENUE CODE PURSUANT TO THE PHSB FINANCIAL CORPORATION 2002 STOCK OPTION PLAN ----------------------

Stock Option Agreement • January 17th, 2003 • PHSB Financial Corp

• Contract Type
  Stock Option Agreement
• Filed
  January 17th, 2003
• Company
  PHSB Financial Corp

PURSUANT TO THE PEOPLES HOME SAVINGS BANK

Restricted Stock Agreement • January 17th, 2003 • PHSB Financial Corp

• Contract Type
  Restricted Stock Agreement
• Filed
  January 17th, 2003
• Company
  PHSB Financial Corp

Article I ---------

PHSB Financial Corp • January 17th, 2003 • Pennsylvania

• Company
  PHSB Financial Corp
• Filed
  January 17th, 2003
• Jurisdiction
  Pennsylvania