EXHIBIT 10(12)

                                                                  ______________


                          AWARD NOTIFICATION UNDER THE
                   UNION FEDERAL SAVINGS AND LOAN ASSOCIATION
                    RECOGNITION AND RETENTION PLAN AND TRUST

__________________:

     You are hereby awarded a total of _____________ shares of the Common Stock,
without par value ("Common Stock"), of Union Community Bancorp ("UCB"), pursuant
to the Union Federal Savings and Loan Association Recognition and Retention Plan
and Trust (the "Plan"), on the following terms and conditions:

     1. The shares of Common  Stock  subject to award vest at the rate of twenty
percent (20%) of the aggregate  number of shares covered by the award at the end
of each full twelve months of consecutive service with Union Federal Savings and
Loan Association or an affiliate  thereof  (collectively,  the "Bank") after the
date  of  grant.   If  your   service   with  the  Bank   terminates   prior  to
_________________,  for any reason  (except as discussed  below),  then you will
forfeit the right to earn any shares of Common Stock subject to this award which
have not previously  been earned.  In determining the number of shares of Common
Stock which are earned,  fractional  shares will be rounded  down to the nearest
whole  number,  provided  that such  fractional  shares will be  aggregated  and
earned, on the fifth anniversary of the date of grant.

     2.  Notwithstanding  the general rule contained in paragraph 1, above,  all
shares of Common Stock  subject to this award held by you will be deemed  earned
as of your  last day of  service  with the  Bank as a  result  of your  death or
disability.

     3. Notwithstanding  anything herein to the contrary, the Board of Directors
of the Bank may immediately revoke,  rescind and terminate any award, or portion
thereof, previously awarded under the Plan, to the extent shares of Common Stock
have not been delivered to you,  whether or not the shares have been earned,  if
you are discharged for cause or it is discovered  after your service  terminates
that you have  engaged in conduct  which  would have  justified  termination  or
removal for cause.

     4. Whenever  shares of Common Stock awarded under the Plan are paid to you,
or to the  beneficiary  you designate,  such person will be entitled to receive,
with  respect to each share of Common  Stock paid,  an amount  equal to any cash
dividends or cash  distributions and a number of shares of Common Stock equal to
any stock dividends,  and any other asset  distributions  declared and paid with
respect to a share of Common Stock  between the date the shares are  distributed
and the date such shares were granted, along with any net earnings thereon.

     5. Shares of Common Stock will be distributed to you, or to the beneficiary
you designate,  as the case may be, as soon as practicable  after they have been
earned.

     6. All shares of Common Stock,  together with any shares representing stock
dividends thereon, will be distributed in the form of Common Stock. One share of
Common  Stock



<PAGE>

will  be  paid  for  each  share  earned  and  payable.   Payments  representing
accumulated cash dividends or cash  distributions (and earnings thereon) will be
made in cash.  Other asset  distributions  payable on the shares of Common Stock
awarded will be paid in the form of such distributions,  to the extent feasible.
The trustee of the Plan may withhold from any payment or distribution made under
the Plan  sufficient  amounts  of cash or shares  of  Common  Stock to cover any
applicable  withholding and employment  taxes, and if the amount of such payment
is insufficient, the trustee may require you or the beneficiary you designate to
pay to the  trustee  the  amount  required  to be  withheld  as a  condition  of
delivering the shares earned and payable under the Plan. Alternatively,  you may
pay to the trustee that amount of cash necessary to be withheld in taxes in lieu
of any withholding of payments or  distribution  under the Plan. If you elect to
have such taxes withheld, then the election must be made in compliance with Rule
16b-3, to the extent applicable.

     7. This award is subject to all the terms, provisions and conditions of the
Plan, which is incorporated herein by reference,  and to such regulations as may
from  time to time be  adopted  by the  Committee.  A copy of the  Plan has been
furnished to you and an  additional  copy may be obtained  from the Bank. In the
event of any conflict  between the  provisions of the Plan and the provisions of
this letter, the terms,  conditions and provisions of the Plan will control, and
this letter will be deemed to be modified accordingly.

                                 Very truly yours,

                                 UNION FEDERAL SAVINGS AND LOAN
                                 ASSOCIATION


                                 By:
                                    --------------------------------------------
                                    Alan L. Grimble, Chief Executive Officer

I acknowledge Receipt of a copy
of this Award Notification:


--------------------------------------