2 EXHIBIT 4.2 CITIZENS BANCSHARES, INC. NON-QUALIFIED STOCK OPTION AND STOCK APPRECIATION RIGHTS AGREEMENT THIS AGREEMENT, dated as of this 18th day of April, 1995, by and between Citizens Bancshares, Inc., an Ohio corporation with its offices at 10...Non-Qualified Stock Option and Stock Appreciation Rights Agreement • December 27th, 1996 • Citizens Bancshares Inc /Oh/ • National commercial banks
