EXHIBIT 10.2

ADDENDUM TO THE

CENTRUE FINANCIAL CORPORATION
2003 STOCK INCENTIVE PLAN

INCENTIVE STOCK OPTION AGREEMENT
DATED OCTOBER 9, 2003

     THIS ADDENDUM shall be attached to and made a part of the Incentive Stock
Option Agreement (the “Agreement”) between Centrue Financial Corporation and
Keith M. Roseland dated October 9, 2003 under the terms of the Centrue Financial
Corporation 2003 Stock Incentive Plan (the “Plan”). Effective as of April 21,
2005, the Agreement is revised as follows:

1.   Section 4 of the Agreement is revised in its entirety to provide the
following:             “4.      This Option shall vest in equal parts on each
anniversary of the date of this Agreement such that on the first anniversary of
this Agreement, the Optionee shall be vested in one fifth (1/5) of the Shares
represented by the Option granted hereby as reflected below:

      Date   Number of Shares Vested
October 9, 2004
  500
October 9, 2005
  500
October 9, 2006
  500
October 9, 2007
  500
October 9, 2008
  500

         Continuation of Vesting upon Retirement. In the event of Optionee’s
retirement from the Company, this Option shall continue to vest pursuant to the
above-listed vesting schedule.”   2.   Section 5 of the Agreement is revised in
its entirety to provide the following:            “(a)      Term of Option. This
Option may not be exercised more than the (10) years after the date of grant.  
         (b)       Death of Optionee. In the event of Optionee’s death prior to
the exercise in full of this Option, the Optionee’s beneficiary, executor,
administrator or personal representative, shall have the right to exercise the
Option within a period of twelve (12) months after the date of such death to the
extent that the right was exercisable at the date of death, and the unvested
portion of the Option shall expire as of the date of death.”

     The parties hereby acknowledge that as a consequence of the foregoing
changes to the Agreement, that the Option shall no longer be treated as an
incentive stock option for tax purposes and that the Option shall be treated as
a non-qualified stock option, for all purposes, for the remainder of its term.

     IN WITNESS WHEREOF, the parties have executed this Addendum as of the date
set forth above.

          CENTRUE FINANCIAL CORPORATION   KEITH M. ROSELAND
 
       
By:
       

       
 
       
Its: