0000950154-02-000161 Sample Contracts

EXHIBIT 4.13
Common Stock Purchase Warrant • May 3rd, 2002 • American Bank Inc • National commercial banks

Each Warrant entitles the registered holder thereof (the "Registered Holder") to purchase, subject to this Warrant and the Warrant Agreement dated August 15, 2001, by and between the Company and StockTrans, Inc. as Warrant Agent (the "Warrant Agent"), during the Warrant Exercise Period (as herein defined), one share of the Company's Common Stock, $0.10 par value per share (the "Stock") at the Exercise Price of $10.00 per share. The Company is a Pennsylvania Corporations with its principal office located in Allentown, Pennsylvania. Warrants are exercisable only for whole shares of Stock. The Warrant Exercise Period terminates June 30, 2003 (the "Expiration Date"). All Warrants shall become immediately void following the Expiration Date.

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EXHIBIT 4.12 AGREEMENT
Warrant Agreement • May 3rd, 2002 • American Bank Inc • National commercial banks • Pennsylvania
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