Exhibit 10.9







                   Supplemental Employee Retirement Agreement
                                     Between
                        First National Bank of Litchfield
                                       and
                                   Walter Hunt
                            (as of December 1, 1996)


<PAGE>





                   Supplemental Employee Retirement Agreement
                                     Between
                        First National Bank of Litchfield
                                       and
                                   Walter Hunt

                                Table of Contents


Section 1: Eligibility for Benefits ........................................   1

Section 2: Amount of Benefit ...............................................   2

Section 3: Form and Timing of Benefits .....................................   2

Section 4: Death Prior to Annuity Starting Date ............................   2

Section 5: Forfeiture of Benefits ..........................................   2

Section 6: Funding .........................................................   3

Section 7: Administration ..................................................   3

Section 8: Expense of Administration .......................................   4

Section 9: Assignment ......................................................   4

Section 10: Construction ...................................................   4

Section 11: Miscellaneous ..................................................   4

Execution Page .............................................................   5



<PAGE>





                   Supplemental Employee Retirement Agreement
                                     Between
                        First National Bank of Litchfield
                                       and
                                   Walter Hunt

                            (as of December 1, 1996)


     THIS AGREEMENT,  hereby made this 1st day of December, 1996, by and between
First National Bank of Litchfield (herein referred to as "Bank") and Walter Hunt
(herein referred to as "Employee"),  this Agreement to be effective  December 1,
1996.

                               W I T N E S S E T H

     Whereas, Employee is a senior executive employed by the Bank; and

     Whereas,  Bank wishes to provide a  supplemental  non-qualified  retirement
pension  benefit which benefit shall  supplement the benefit payable to Employee
under the terms of The First National Bank of Litchfield  Retirement Income Plan
(herein referred to as the "Retirement Program");

     Now Therefore, in consideration of the mutual covenants and promises herein
contained,  and  effective  as of the first day of  December  1, 1996,  Bank and
Employee hereby agrees as follows:

     Section 1: Eligibility for Benefits

     (a)  Employee  shall  become  eligible to commence  receipt of the benefits
herein described as of the date he shall commence to receive retirement benefits
under the terms of the Retirement  Program  (herein  referred to as the "Annuity
Starting Date").

     (b) In the event that  Employee  shall die prior to  receiving  the benefit
promised  hereunder,  such  remaining  benefits  shall be paid to his designated
beneficiary  or  beneficiaries  (herein  referred  to  as   "Beneficiary(ies)"),
provided  such  designation  shall be  provided to the Bank in writing on a form
furnished to Employee by Bank.

     Section 2: Amount of Benefit

     As of the Annuity  Starting  Date,  and as of each of the nine  anniversary
dates thereafter,  Bank shall pay to Employee or, in the event of his death, his
Beneficiary(ies) an annual amount equal to


                                   Page 1 of 5

<PAGE>



Five Thousand  Dollars  ($5,000).  Provided,  however,  that at no point in time
shall  the  benefits  remaining  payable  to  Employee  or his  Beneficiary(ies)
hereunder  exceed the sum of Fifty  Thousand  Dollars  ($50,000.00),  reduced by
amounts previously paid to Employee or his  Beneficiary(ies)  under the terms of
the Agreement.

     Section 3: Form of Timing of Benefits

     (a)  Payment  of the  benefits  promised  hereunder  shall,  in the case of
retirement or death,  be made in ten (10) annual  installments  commencing  upon
Employee's attainment of his Annuity Starting Date, and each anniversary of such
date thereafter.  Notwithstanding the foregoing form of payment, Employee may as
of his Annuity  Starting Date and each anniversary  thereafter  prospectively in
writing  elect to receive  that  year's  installment  in  monthly  or  quarterly
payments  provided  that, if employee  fails to make such election  prior to the
such  anniversary,  payment for that year shall  continue to be made in the same
form as was payment for the prior year.

     (b) In the event  Employee  dies  following  his Annuity  Starting Date but
prior to receiving  his entire  benefit  promised  hereunder,  any death benefit
payable  on behalf of  Employee  shall be paid to his  Beneficiary(ies).  In the
event that Employee has not furnished the Bank with a duly executed  beneficiary
designation  form,  no death benefit  shall be payable  hereunder,  and the Bank
shall have no further obligation hereunder.

     Section 4: Death Prior to Annuity Starting Date

     (a) If Employee shall die prior to attainment of his Annuity Starting Date,
his  Beneficiary(ies),  if any,  shall be  entitled  to the  benefits  otherwise
payable to Employee.  Payment of such benefits  shall  commence of if Employee's
date of death were  Employee's  Annuity  Starting Date, and shall be paid in the
manner described in Section 3 hereof.

     (b) If Employee shall die prior to attainment of his Annuity Starting Date,
and Employee is not survived by any named  Beneficiary(ies),  not benefits shall
be payable hereunder, and Bank shall have no further obligation hereunder.

     Section 5: Forfeiture of Benefits

     Notwithstanding any other provision  hereunder,  future payment of benefits
hereunder to Employee or his  Beneficiary(ies)  will,  at the  discretion of the
Bank,  be  discontinued  and  forfeited,  and the  Bank  shall  have no  further
obligation hereunder to Employee or his Beneficiary(ies) if any of the following
circumstances occur:

          (a) Employee is discharged from employment with the Bank for cause;

          (b)  Employee   engages  in   competition   with  Bank  following  his
          termination of employment with Bank and prior to attaining his Annuity
          Starting Date; or


                                   Page 2 of 5

<PAGE>


          (c) Employee performs acts of willful  malfeasance or gross negligence
          in a  matter  of  material  importance  to  Bank,  and  such  acts are
          discovered by Bank at any time prior to the date of death of Employee.
          The Bank shall have sole and  uncontrolled  discretion with respect to
          the application of the provisions of this subsection and such exercise
          of  discretion  shall be  conclusive  and binding upon  Employee,  his
          Beneficiary(ies) and all other persons.

     Section 6: Funding

     All benefits  provided under the terms of the Agreement  shall be paid from
the  general  assets of Bank  provided  that such  payments  shall be reduced by
payments made to a Employee or his or her beneficiary  from any trust or special
or separate fund  established  by Bank for such purpose.  In no event,  however,
shall Bank be required to establish  such trust or special or separate fund, and
nothing herein  contained shall be construed to result in such  requirement.  To
the  extent  that  Employee  or his  Beneficiary(ies)  shall  acquire a right to
payment  hereunder,  such right  shall be no greater  than that of an  unsecured
general creditor of Bank.

     Section 7: Administration

     (a) The Bank shall  have  complete  discretionary  authority  to  determine
Employee's  eligibility  hereunder,  to construe  the  Agreement,  and to review
claims  for  benefit   payment  under  the  terms  of  the  Agreement  and  such
determinations,  constructions  and reviews shall be binding and conclusive with
respect to all parties hereto.

     (b)  The  Bank  shall  be  entitled  to  delegate  to any  agent  or to any
subcommittee  the  authority  to perform any act  hereunder,  including  without
limitation  those  matters  involving  the exercise of  discretionary  authority
provided that such delegation shall at all times be subject to revocation by the
Bank.

     (c) No employee of the Bank (nor any member of a committee or  subcommittee
appointed by the Bank) shall be  personally  liable by reason of any contract or
other  instrument  executed  by him or  her on his or her  behalf  in his or her
capacity as an employee of the Bank and Bank shall  indemnify  and hold harmless
against  all costs and  expense,  such Bank  employee  (or any such  member of a
committee or subcommittee appointed by the Bank).

     (d) No employee of the Bank (nor any member of a committee or  subcommittee
appointed  by the Bank)  shall be  personally  liable by reason of a mistake  of
judgment made in good faith,  and Bank shall indemnify and hold harmless against
all costs and  expense,  such Bank  employee  (or any member of a  committee  or
subcommittee appointed by the Bank), and each officer,  employee, or director of
Bank to whom  any  duty or  power  has  been  delegated  relating  to  Agreement
administration,   or  of  management  or  control  of  assets   related  to  the
administration  of the Agreement  unless  arising out of such  individual's  own
fraud or bad faith.


                                   Page 3 of 5

<PAGE>


     Section 8: Expense of Administration

     Expenses  incurred  hereunder  shall be borne by Bank,  and  shall  have no
effect upon the benefits provided under the terms of the Agreement.

     Section 9: Assignment

     The  Employee  (or  Beneficiary(ies))  interest  in, or right to  receive a
benefit  hereunder,  the Agreement shall in no event be subject in any manner to
sale, transfer, assignment, pledge, attachment, garnishment, or other alienation
or  encumbrance of any kind; nor may such interest or right to receive a benefit
be taken, either voluntarily or involuntarily, for the satisfaction of the debts
of, or other  obligations or claims  against,  such person or entity,  including
claims for  alimony,  support,  separate  maintenance  and claims in  bankruptcy
proceedings.

     Section 10: Construction

     The Agreement  shall be construed  and enforced in accordance  with laws of
the State of Connecticut to the extent not preempted by federal law.

     Section 11: Miscellaneous

     (a) Neither the Agreement nor any action taken by the Bank hereunder  shall
be construed as giving  Employee a right to employment by Bank, or as in any way
diminishing Bank's right to discharge such Employee from its employ.

     (b) Nothing  contained  herein  shall  constitute a guaranty by Bank or any
other  entity or person  that the assets of Bank will be  sufficient  to pay any
benefit hereunder.

     (c) If  Employee  or his  Beneficiary(ies)  entitled  to payment  under the
Agreement are deemed by Bank to be incapable of personally  receiving and giving
a valid receipt for such payment,  then,  unless and until claim  therefor shall
have been made by a duly  appointed  guardian or other legal  representative  of
such person, Bank may provide for such payment or any part thereof to be made to
any person or institution then contributing toward or providing for the care and
maintenance of such person.  Any such payment shall be a payment for the account
of such person and a complete discharge of any liability of Bank under the terms
of the Agreement.

     (d)  Employee  shall keep Bank  informed  of his  current  address  and the
current address of his  Beneficiary(ies).  Bank shall not be obligated to search
for the whereabouts of any person. If the location of Employee is not made known
to Bank within one year after the date on which  payment of  Employee's  benefit
hereunder  may be made,  payment may be made as though  Employee had died at the
end of such one-year period.  If, within one additional year after such one-year
period has elapsed, or within one year after the actual death of Employee,  Bank
is unable to locate any


                                   Page 4 of 5

<PAGE>


Beneficiary(ies)  of Employee,  Bank shall have no further obligation to pay any
benefit  hereunder to Employee or his  Beneficiary(ies)  or any other person and
such benefit shall be irrevocably forfeited.

     (e) Notwithstanding any other provision of the Agreement,  neither Bank nor
any  individual  acting  as an  employee  or agent of Bank  shall be  liable  to
Employee  Beneficiary(ies)  or any other person for any claim, loss liability or
expense  incurred in connection  with the Agreement and Bank shall indemnify any
individual  acting as such  against  any such claim,  loss or expense  including
reasonable attorney fees.

     (f) Bank may withhold from any benefit  payable  hereunder  all  applicable
federal, state and local taxes associated with such payment.

     (g) Notwithstanding the provisions of Section 6 hereof, it is the intent of
Bank that the Agreement be unfunded for purposes of ERISA and the Code,  and the
Agreement shall be interpreted in a manner consistent with such intent.

     IN WITNESS  WHEREOF,  Bank has caused this  Agreement to be executed by its
officer  thereunto  duly  authorized  and Employee has hereunto set his hand and
seal, all as of the day and year first above written.

                                              FIRST NATIONAL BANK OF LITCHFIELD


                                              By: /s/ Jerome J. Whalen
                                                 ---------------------
                                              Its: President   1/21/97


                                              EMPLOYEE


                                               /s/ Walter L. Hunt


                                   Page 5 of 5