EXHIBIT 4.4

                FORM OF STOCK OPTION AGREEMENT TO BE ENTERED INTO
                WITH RESPECT TO NON-INCENTIVE STOCK OPTIONS UNDER
                              THE STOCK OPTION PLAN


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                             STOCK OPTION AGREEMENT
                             ----------------------

                         FOR NON-INCENTIVE STOCK OPTIONS
                                 PURSUANT TO THE
                             STEELTON BANCORP, INC.
                             2000 STOCK OPTION PLAN
                             ----------------------

                             NON-EMPLOYEE DIRECTORS

         STOCK  OPTIONS  for a total of  __________  shares of  Common  Stock of
Steelton    Bancorp,    Inc.   (the    "Company")    is   hereby    granted   to
________________________  (the  "Optionee") at the price  determined as provided
in, and in all respects subject to the terms,  definitions and provisions of the
2000 Stock Option Plan (the "Plan") adopted by the Company which is incorporated
by reference herein, receipt of which is hereby acknowledged. Such Stock Options
do not comply with Options  granted  under  Section 422 of the Internal  Revenue
Code of 1986, as amended.

         1. Option  Price.  The Option price is $_______  for each Share,  being
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100% of the fair market value,  as determined  by the  Committee,  of the Common
Stock on the date of grant of this Option (February 3, 2000).

         2. Exercise of Option.  This Option shall be  exercisable in accordance
            ------------------
with provisions of the Plan as follows:

                  (a)      Schedule of Rights to Exercise.

                                                     Percentage of Total Shares
                                                          Awarded Which Are
                      Date                Options          Non-forfeitable
                      ----                -------          ---------------

Upon grant                                   0                   0%
As of February 3, 2001................     _____                 20%
As of February 3, 2002................     _____                 40%
As of February 3, 2003................     _____                 60%
As of February 3, 2004................     _____                 80%
As of February 3, 2005................     _____                100%

         Options  shall  continue  to vest  annually  provided  that such holder
remains a director or  director's  emeritus  of  Mechanics  Savings  Bank or the
Company.  Notwithstanding  any  provisions  in this Section 2, in no event shall
this  Option be  exercisable  prior to six months  following  the date of grant.
Options shall be 100% vested and exercisable upon the death or disability of the
Optionee,  or upon a Change in Control of the  Company,  subject to  limitations
under applicable regulations and policies of the Office of Thrift Supervision.


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                  (b)      Method of Exercise.  This Option shall be exercisable
by a written notice which shall:

                            (i) State the election to exercise  the Option,  the
         number of  Shares  with  respect  to which it is being  exercised,  the
         person in whose name the stock  certificate  or  certificates  for such
         Shares of Common  Stock is to be  registered,  his  address  and Social
         Security  Number (or if more than one, the names,  addresses and Social
         Security Numbers of such persons);

                           (ii) Contain such  representations  and agreements as
         to the holder's investment intent with respect to such shares of Common
         Stock as may be satisfactory to the Company's counsel;

                          (iii) Be signed by the person or persons  entitled  to
         exercise the Option and, if the Option is being exercised by any person
         or  persons  other  than  the  Optionee,   be   accompanied  by  proof,
         satisfactory to counsel for the Company, of the right of such person or
         persons to exercise the Option; and

                           (iv) Be  in  writing  and  delivered  in person or by
         certified mail to the Treasurer of the Company.

         Payment of the  purchase  price of any Shares with respect to which the
Option is being  for  shares of  Common  Stock as to which the  Option  shall be
exercised  shall be registered  in the name of the person or persons  exercising
the Option.

                  (c) Restrictions on Exercise. This Option may not be exercised
if the issuance of the Shares upon such exercise would constitute a violation of
any applicable federal or state securities or other law or valid regulation.  As
a condition to the Optionee's  exercise of this Option,  the Company may require
the person exercising this Option to make any representation and warranty to the
Company as may be required by any applicable law or regulation.

         3. Non-transferability of Option. This Option may not be transferred in
            -----------------------------
any manner otherwise than by will or the laws of descent or distribution and may
be exercised during the lifetime of the Optionee only by the Optionee. The terms
of this  Option  shall be binding  upon the  executors,  administrators,  heirs,
successors and assigns of the Optionee.

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         4. Term of Option.  This Option may not be exercised more than ten (10)
            --------------
years  from the date of grant of this  Option,  as set forth  below,  and may be
exercised  during  such term only in  accordance  with the Plan and the terms of
this Option.

         5. Related  Matters.  Notwithstanding  anything herein to the contrary,
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additional  conditions or restrictions  related to such Options may be contained
in the Plan or the resolutions of the Plan Committee  authorizing  such grant of
Options.

                                             Steelton Bancorp, Inc.




Date of Grant:  February 3, 2000             By:
                ----------------                  ------------------------------



Attest:



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[SEAL]


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