TABLE OF CONTENTS




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|EX: 10.1                                   
|DIRECTORS DEFINED BENEFIT PLAN AGREEMENT   
|Exhibit 10.1 Directors Defined Benefit Plan
|Exhibit 10.2 Special Separation Agreement  
|Exhibit 13  Annual Report                  
|Exhibit 23  Consent of Independent Auditors



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EX: 10.1




DIRECTORS DEFINED BENEFIT PLAN AGREEMENT

This Agreement made and
entered into this 16th day of August, 1994, by
and between First National Bank, a Banking corporation under the laws of the
State of Ohio (hereinafter referred to as the Bank) and Charles J. Dolezal
(hereinafter referred to as the Director).

The Bank has adopted the Director Defined Benefit Plan (hereinafter
referred to as the Plan), a copy of the terms and conditions of which are
attached hereto and incorporated by reference.

Accordingly, it is the desire of the Bank and the Director to enter
into this Agreement under which the Bank will agree to make certain payments to
the Director either upon his retirement, or alternatively, to his
beneficiary(ies) in the event of his death, pursuant to the Plan.

I. RETIREMENT AND DEATH BENEFITS



| |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               
| | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | The amount and length of time of payment of the annual retirement
benefit and/or any death benefit that shall be paid to the Director
shall be calculated using the appropriate formulas set forth in
Paragraph I or II of the Plan Adoption Agreement. For these purposes,
any portion of a year greater than or equal to six (6) months shall be
counted as a full year. Any portion of a year less than six (6) months
shall not be considered in the calculation of the benefit. Such annual
benefit shall commence sixty (60) days following the later of the date
of the Directors retirement or his attaining age 70 and shall continue
for the lifetime of the Director, but in no case less than fifteen (15)
years.

II. DEFERRED FEES

A. Amount of Deferral



| |                                                                                                                          
| | -------------------------------------------------------------------------------------------------------------------------
| | The Director may elect to defer a maximum of $1,000.00 per
month of his director and committee fees earned from the Bank.

B. Fees



| |                                                                                                                                                                                                                                                                                                                                                                                                                       
| | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | The fees covered under this Agreement shall be any and all
amounts paid to the Director for his services as a director,
including but not limited to annual fees, meeting fees and
committee fees. The fees covered under this Agreement shall be
credited to the Director in the manner and on the terms and
conditions specified in Paragraph II D herein subject to the
election pursuant to Paragraph II A herein.





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C. Election of Deferred Compensation



| |                                                                                                                                                                                                                                                                                                                                                                          
| | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | The election to defer fees may only be made for fees not yet
earned as of the date of said election. This election unless
modified or revoked, shall be valid for all succeeding years.
Any modification or revocation of such election must be in
writing and shall be effective for calendar years succeeding
the year in which the modification or revocation is made.

D. Credits to Deferred
Compensation Account



| |                                                                                                                                                                                                                                                                                                                                                         
| | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | The Bank shall establish a bookkeeping account for the
Director (hereinafter called the Directors Deferred
Compensation Account) which shall be credited on the date
such fees, as defined in Paragraph II B herein, would
otherwise have been paid with the dollar amount that the
Director has elected to defer, pursuant to Paragraph II A
herein.

E. Interest on the Deferred Compensation Account



| |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
| | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | The Directors Deferred Compensation Account shall be
credited with an amount that is in addition to the fees
credited under Paragraph II D herein. Such amount shall be
determined by multiplying the balance of the Directors
Deferred Compensation Account by a rate of interest equal to
two (2) times the one-year treasury rate as of December 31st
of each year. However, in no case will the rate of interest
credited be less than 8%. Such rate shall be adjusted
annually. Such amount shall be credited as long as there is a
balance in the Directors Deferred Compensation Account and
shall be credited on December 31 of each year.

F. Nature of the Deferred Compensation Account



| |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                
| | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | The Directors Deferred Compensation Account shall be
utilized solely as a device for the measurement and
determination of the amount of deferred compensation to be
paid to the Director at the times hereinafter specified, and
the Bank shall not segregate any of its assets in order to
satisfy any obligations under the plan. The Directors
Deferred Compensation Account shall not constitute or be
treated as a trust fund of any kind. On the contrary, it is
understood that all amounts credited to the Directors
Deferred Compensation Account shall be for the sole purpose of
bookkeeping and remain the sole property of the Bank, and that
the Director shall have no ownership rights of any nature with
respect thereto. The Directors rights are limited to the
rights to receive payments as hereinafter provided and the
Directors position with respect thereto is that of a general
unsecured creditor of the Bank.





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G. Payment of Directors Deferred Compensation



| |                                                                                                                                                                                                                                                                                                                                                                                                  
| | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | The amounts in the Directors Deferred Compensation Account
shall be amortized with interest at the rate of eight percent
(8%) per annum and paid in equal monthly installments for one
hundred and twenty (120) months commencing on the first day of
the calendar month following the end of the Directors term of
office due to retirement, resignation, removal or failure to
be re-elected.

H. Death of Director Prior to Termination of Service or
Commencement of Payments



| |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       
| | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | In the event of the death of the Director prior to termination
of service or commencement of benefit payments, payments shall
begin pursuant to this Paragraph within sixty (60) days after
the Directors death, as if the Director had retired on his
date of death, and shall be made to a beneficiary or
beneficiaries designated by the Director in writing and
delivered to the Banks president. The Director shall have the
right to change his designated beneficiary from time to time.
In the event no designation is made, a lump-sum payment shall
be made to his estate.

III. DESIGNATED BENEFICIARY



| |                                                                                                                                                                                                                                          
| | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | The Director shall designate a beneficiary on the form attached hereto.
This beneficiary designation may be changed at any time prior to the
death of the Director, provided such change is done in writing and
acknowledged by the Bank.

IV. RESTRICTIONS UPON FUNDING



| |                                                                                                                                                                                                                                                                                                                                                                                            
| | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | The Bank shall have no obligation to set aside, earmark or entrust any
fund or, money with which to pay its obligations under this
Agreement. The Director, his beneficiary (ies) or any successor in
interest to him or her shall be and remain simply a general creditor of
the Bank in the same manner as any other creditor having a general
claim for matured and unpaid compensation.



| |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            
| | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | The Bank reserves the absolute right at its sole discretion to either
fund the obligations undertaken by this Agreement or to refrain from
funding the same and to determine the exact nature and method of such
funding. Should the Bank elect to fund this Agreement, in whole or in
part, through the purchase of life insurance, mutual funds, disability
policies or annuities, the Bank reserves the absolute right, in its
sole discretion, to terminate such funding at any time, in whole or in
part. At no time shall the Director be deemed to have any lien nor
right, title or interest in or to any specific funding investment or to
any assets of the Bank.





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| |                                                                                                                                                                                                                                                                                                
| | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | If the Bank elects to invest in a life insurance, disability or annuity
policy upon the life of the Director, then the Director shall assist
the Corporation by freely submitting to a physical exam and supplying
such additional information necessary to obtain such insurance or
annuities.

V. MISCELLANEOUS



| |                                           
| | ------------------------------------------
| | A. Alienability and Assignment Prohibition



| |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           
| | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | Neither the Director, his widow nor any other beneficiary
under this Agreement shall have any power or right to
transfer, assign, anticipate, hypothecate, mortgage, commute,
modify or otherwise encumber in advance any of the benefits
payable hereunder, nor shall any of said benefits be subject
to seizure for the payment of any debts, judgments, alimony or
separate maintenance owed by the Director or his beneficiary,
nor be transferable by operation of law in the event of
bankruptcy, insolvency or otherwise. In the event the Director
or any beneficiary attempts assignment, commutation,
hypothecation, transfer or disposal of the benefits hereunder,
the Banks liabilities shall forthwith cease and terminate.



| |                                                                
| | ---------------------------------------------------------------
| | B. Binding Obligation of the Bank and Any Successor in Interest



| |                                                                                                                                                                                                                                                                                                                                                                                                                                                  
| | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | The Bank expressly agrees that it shall not merge or
consolidate into or with another bank or sell substantially
all of its assets to another bank, firm or person until such
bank, firm or person expressly agrees, in writing, to assume
and discharge the duties and obligations of the Bank under this
Agreement. The Agreement shall be binding upon the parties
hereto their successors, beneficiaries, heirs and personal
representatives.



| |              
| | -------------
| | C. Revocation



| |                                                                                                                                                                                                                                         
| | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | It is agreed by and between the parties hereto that, during
the lifetime of the Director, this Agreement may be amended or
revoked at any time or times, in whole or in part, by the
mutual written assent of the Director and the Bank.



| |          
| | ---------
| | D. Gender



| |                                                                                                                                                                                              
| | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | Whenever in this Agreement words are used in the masculine or
neuter genders, they shall be read and construed as in the
masculine, feminine or neuter gender, whenever they should so
apply.





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| |                                      
| | -------------------------------------
| | E. Effect on Other Bank Benefit Plans



| |                                                                                                                                                                                                                                                                                                                           
| | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | Nothing contained in this Agreement shall affect the right of
the Director to participate in or be covered by any qualified
or non-qualified pension, profit-sharing , group, bonus or
other supplemental compensation or fringe benefit plan
constituting a part of the Banks existing or future
compensation structure.



| |            
| | -----------
| | F. Headings



| |                                                                                                                                             
| | --------------------------------------------------------------------------------------------------------------------------------------------
| | Headings and subheadings in this Agreement are inserted for
reference and convenience only and shall not be deemed a part
of this Agreement.



| |                  
| | -----------------
| | G. Applicable Law



| |                                                                                                      
| | -----------------------------------------------------------------------------------------------------
| | The validity and interpretation of this Agreement shall be
governed by the laws of the State of Ohio.

VI. ERISA PROVISION



| |                                           
| | ------------------------------------------
| | A. Named Fiduciary and Plan Administrator:



| |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                
| | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | The Named Fiduciary and Plan Administrator of this plan
shall be Charles J. Dolezal until his resignation or removal
by the Board. As Named Fiduciary and Administrator, Mr.
Dolezal shall be responsible for the management, control and
administration of the Director Defined Benefit Plan Agreement
as established herein. He may delegate to others certain
aspects of the management and operation responsibilities of
the plan including the employment of advisors and the
delegation of ministerial duties to qualified individuals.



| |                                     
| | ------------------------------------
| | B. Claims Procedure and Arbitration:



| |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  
| | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | In the event a dispute arises over benefits under this
Agreement and benefits are not paid to the Director (or to his
beneficiary in the case of the Directors death) and such
claimants feel they are entitled to receive such benefits,
then a written claim must be made to the Named Fiduciary and
Administrator named above within ninety (90) days from the
date payments are refused. The Plan Fiduciary and
Administrator and the Bank shall review the written claim and
if the claim is denied, in whole or in part, they shall
provide in writing within ninety (90) days of receipt of such
claim their specific reasons for such denial, reference to the
provisions of this Agreement upon which the denial is based
and any additional material or information necessary to
perfect the claim. Such written notice shall further indicate
the additional steps to be taken by claimants if a further
review of the claim denial is desired. A claim shall be deemed
denied if the





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| |                                                                                                  
| | -------------------------------------------------------------------------------------------------
| | Plan Fiduciary and Administrator fails to take any action
within the aforesaid ninety-day period.



| |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
| | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | If claimants desire a second review they shall notify the Plan
Fiduciary and Administrator in writing within ninety (90) days
of the first claim denial. Claimants may review this Agreement
or any documents relating thereto and submit any written
issues and comments they may feel appropriate. In its sole
discretion, the Plan Fiduciary and Administrator shall then
review the second claim and provide a written decision within
ninety (90) days of receipt of such claim. This decision shall
likewise state the specific reasons for the decision and shall
include reference to specific provisions of this Agreement
upon which the decision is based.



| |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
| | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | If claimants continue to dispute the benefit denial based upon
completed performance of this Agreement or the meaning and
effect of the terms and conditions thereof, then claimants may
submit the dispute to a Board of Arbitration for final
arbitration. Said Board shall consist of one member selected
by the claimant, one member selected by the Bank, and the
third member selected by the first two members. The Board
shall operate under any generally recognized set of
arbitration rules. The parties hereto agree that they and
their heirs, personal representatives, successors and assigns
shall be bound by the decision of such Board with respect to
any controversy properly submitted to it for determination.



| |                                                                                                                                                                                                                               
| | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | Where a dispute arises as to the Banks discharge of the
Director for cause, such dispute shall likewise be submitted
to arbitration as above described and the parties hereto agree
to be bound by the decision thereunder.



|       |                                                                                                                                                                                                              
|------ | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|IN WIT | NESS WHEREOF, the Bank has caused this Agreement to be signed in its
corporate name by its duly authorized officer, and Director
hereunto set his hand and seal, all on the day and year first
above written.

|                                        |  | 
|--------------------------------------- |  | 
|Executed this
16th. day of August, 1994 |  | 



| | FIRST NATIONAL BANK
| | -------------------



| | /s/ Michael D. Hofstetter
___________________________________________
Michael D. Hofstetter
Senior V.P. & Controller
| | --------------------------------------------------------------------------------------------------------------------
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| | /s/ Charles J. Dolezal
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Charles J. Dolezal, Director                     





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DIRECTOR DEFINED BENEFIT PLAN
ADOPTION AGREEMENT

The members of the Board of Directors of First National Bank (the Bank)
are providing service that is of exceptional merit as well as making an
invaluable contribution to the profits and growth of the Bank. In addition, the
experience, knowledge, good reputation and contacts of these Directors is of
extreme value to the Banks future success.

Accordingly, it is the desire of the Board of the Bank to modify the
compensation of its members by agreeing to make certain payments to each
Director either upon his or her retirement, or alternately, to his or her
beneficiary (ies) in the event of his or her death. To provide for this desire
the Board of Directors of First National Bank has on the date hereof adopted the
Director Defined Benefit Plan, the terms and conditions of which are as
follows:

I. DEFINED RETIREMENT BENEFIT



| |                                                                                                                                                                                                                                                                                                                                           
| | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | Each Director shall receive an annual retirement benefit commencing at
his or her retirement or age seventy (70), whichever occurs later. The
amount of this annual benefit shall be $1,000.00 for each year of Board
service from and after the date hereof.                                                                             
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| | This annual retirement benefit
shall be paid in successive years and continue for the lifetime of the
Director but in no event less than fifteen (15) years. Should the
Director die prior to having received fifteen (15) annual payments, the
balance of the payments shall be paid to the designated beneficiary
(ies) of the Director.

II. DEATH BENEFIT



| |                              
| | -----------------------------
| | A. While Serving on the Board



| |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             
| | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | In the event a Director should die while serving, on the
Board, the Bank shall pay to the Directors designated
beneficiary(ies), in lieu of the retirement benefit described
herein above in paragraph I, fifteen (15) successive annual
benefit payments, each equal to $1,000.00 for each year of
service from and after the date hereof. If the Director has
not yet reached seventy (70) years of age at the date of death
and is insurable and the Bank has purchased insurance on his
or her life, it shall be assumed for the purpose of
calculating this annual benefit that the Director died at age
seventy (70).





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| |                                                   
| | --------------------------------------------------
| | B. Death After Service on the Board has Terminated



| |                                                                                                                                                                                                                                                                                                                                                                                                                           
| | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | In the event the Director dies prior to age seventy (70) while
not serving on the Board, the Bank shall pay the Directors
designated beneficiary(ies) an annual benefit in an amount
equal to the Directors retirement benefit calculated pursuant
to Paragraph I herein above, for a continuous period of
fifteen (15) years commencing sixty (60) days following the
notification to the Bank of the Directors death.



| |                                     
| | ------------------------------------
| | C. Alternative to Retirement Benefit



| |                                                                                                                                                                                                                                                                                              
| | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | The Pre-retirement Death Benefit described herein above
(Paragraph II, A and B) is paid as an alternative to the
Retirement Benefit described in Paragraph I herein above, and
therefore, benefit payments shall be made pursuant to either
Paragraph I or Paragraph II herein, but not both.



| |           
| | ----------
| | D. Suicide



| |                                                                                                                                                                                                                     
| | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | In the event the Directors death is within two (2) years of
the date hereof and is the result of suicide, the amount of
these pre-retirement death benefits shall be calculated as if
the Director was uninsurable.

III. DEFERRED COMPENSATION AGREEMENT



| |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  
| | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | Each Director may elect to defer a portion or all of his or her
directors and committee fees up to a maximum of $1,000 per month. The
Bank shall establish a Deferred Compensation Account for each Director
electing to defer and credit that account with the deferrals. The Bank
shall credit interest to that Deferred Compensation Account balance on
December 31st of each year. The interest rate shall be equal to two
(2) times the one-year Treasury rate as of the crediting date to a
minimum of eight percent (8%).



| |                                                                                                                                                                                 
| | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | Each Director must state his or her intention to defer and the maximum
amount to be deferred annually as of the date hereof to preserve his or
her right to defer in the future.



| |                                                                                                                                                                                                                                             
| | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | The balance of the Director Deferred Compensation Account shall be paid
to the Director at the time he or she leaves the Board by retirement or
otherwise, or to the Directors designated beneficiary (ies) upon the
death of the Director.





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IV. DESIGNATED BENEFICIARY



| |                                                                                                                                                                                                                                                                   
| | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | Each Director shall name a designated beneficiary(ies) in writing on a
form provided by the Bank. This beneficiary designation may be changed
at any time prior to the death of the Director provided such change is
done in writing and acknowledged by the Bank.

V. FINANCING



| |                                                                                                                                                                                                                                                                                                                                                                                 
| | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | The Bank intends to finance its obligations under this plan with
policies of life insurance insuring the life of each Director. This
plan is a non-qualified benefit plan and, therefore, at no time shall
any Director be deemed to have any lien, right, title or interest in or
to any specific asset of the Bank, including the insurance policies
used to finance the plan.

VI. AGREEMENTS



| |                                                                                                                                                                   
| | ------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | Each Director shall enter into a written agreement with the Bank. The
terms and conditions of the plan set forth herein shall be incorporated
into that agreement.



| |                                         
| | ----------------------------------------
| | Adopted on this 16th day of August, 1994



| | FIRST NATIONAL BANK
| | -------------------



| | /s/ Charles J. Dolezal
     President
| | -------------------------------------





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Exhibit 10.1 Directors Defined Benefit Plan Agreement

The following directors entered into an identical agreement on the dates
indicated:

|                     |  |      |         | 
|-------------------- |  | ---- | ------- | 
|                     |  | Date
|                     |  |     
|Ray D. Gill          |  |      | 8-24-94 | 
|                    
|                    
|                    
|                    
|James L. Gerber      |  |      | 8-18-94 | 
|                    
|                    
|                    
|                    
|John E. Sprunger     |  |      | 8-27-94 | 
|                    
|                    
|                    
|                    
|Stephen W. Schmid    |  |      | 8-22-94 | 
|                    
|                    
|                    
|                    
|John W. Kropf        |  |      | 8-31-94 | 
|                    
|                    
|                    
|                    
|Sara E. Steinbrenner |  |      | 8-18-94 | 
|                    
|                    
|                    
|                    
|Paul H. Smucker      |  |      | 8-23-94 | 
|                    
|                    
|                    
|                    
|James F. Woolley     |  |      | 8-22-94 | 
|                    
|                    
|                    
|                    
|Albert W. Yeagley    |  |      | 7-01-97 | 
|                    
|                    
|                    
|                    
|Bobbi E. Douglas     |  |      | 5-26-99 | 
|                    
|                    
|                    
|                    
|Howard J. Wenger     |  |      | 4-13-99 |