<PAGE>

                                             Employment Agreement - EXHIBIT 10.2

                             EMPLOYMENT AGREEMENT
                             --------------------

     THIS AGREEMENT made this 11th day of October, 1994, by and between SALEM
BANK & TRUST, N.A., a national banking association with principal offices at 220
East Main Street, Box 979, Salem, Virginia 24153 (hereinafter referred to as
"Employer"), and CLARK OWEN, JR., residing at 6520 Corntassel Lane, Roanoke
County, Virginia 24018 (hereinafter referred to as, "Employee").

                             W-I-T-N-E-S-S-E-T-H:

     WHEREAS, engaging Employee's services for and on behalf of Employer is of
material importance to the preservation and enhancement of the value of
Employer's business;

     WHEREAS, Employer recognizes, as is the case with many publicly held
corporations, the possibility that a change in control may arise and that such
possibility, and the uncertainty and questions which it may raise among
management, may result in the departure or distraction of management personnel
to the detriment of Employer and the shareholders of Employer;

     WHEREAS, the Board of Directors of Employer (the "Board") has determined
that appropriate steps should be taken to reinforce and encourage the continued
attention and dedication of members of Employer's management to their assigned
duties without distraction by the possibility of a change in control of
Employer; and

     WHEREAS, the Board believes it important, should Employer or the
shareholders of Employer receive a proposal for transfer of control of Employer,
that Employee be able to assess such proposal and advise the appropriate Boar(Is
thereon, without being unduly influenced by the uncertainties of Employee's
personal situation;
<PAGE>

     NOW, THEREFORE, in consideration of the mutual covenants herein set forth,
Employer and Employee do hereby agree as follows:
<PAGE>

ACTIVE TERM.

     1.1  Employer hereby employs Employee as its President and Chief Executive
Officer to perform executive services as hereinafter provided, and Employee
hereby accepts said employment and agrees to render such services to Employer on
the terms and conditions set forth in this Agreement for an initial term of
three (3) years commencing October 11, 1994, and terminating October 10, 1997,
unless sooner terminated in accordance with the terms and conditions hereinafter
set forth.  On October 11 of each year following the date of execution of this
Agreement, this Agreement shall be considered renewed for an additional year to
bring this Agreement back to a three (3) year term, unless at least thirty (30)
days' prior written notice by either party is given to the other party of intent
to terminate this Agreement upon expiration of the then-current term.
Immediately upon a change in control, as defined in Section V of this Agreement,
this Agreement shall automatically renew for a period of thirty-six (36) months
following the date of such change in control.

     1.2  During the term of this Agreement, Employee agrees to perform such
executive services for Employer as may from time to time be assigned to Employee
by Employer, its Board of Directors or the Executive Committee of the Board.

     1.3  During the term of this Agreement, Employee shall devote his full time
and best efforts to the affairs and business of Employer.

     1.4  Employee shall serve as a director of Employer and, with his consent,
as a director of any subsidiary or affiliate of Employer.

     1.5  Employee's services shall be rendered principally in Salem, Virginia,
but Employee shall do such traveling on behalf of Employer as may reasonably be
required.

II.  COMPETITIVE ACTIVITIES.
     ----------------------

     2.1  Employee agrees that, during the term of his employment hereunder,
except with the express consent of Employer, Employee will not, directly or
indirectly, engage or participate in, become a director of, or render advisory
or other services for, or in
<PAGE>

connection with, or become interested in, or make any financial investment in,
any firm, corporation, business entity or business enterprise competing with any
business of Employer, whether presently in existence or hereafter acquired;
provided, however, that Employee shall not thereby be precluded or prohibited
from owning passive investment so long as such ownership does not enable
Employee to manage or control the business or activities in which Employee has
invested, and so long as (i) such investment represents not in excess of the
lesser of five percent (5%) of the equity in any such entity or an investment of
$50,000 in any such entity, and (ii) except for passive investment in securities
of publicly traded companies, such ownership and any changes therein are
promptly reported in writing by Employee to the Board. Notwithstanding anything
to the contrary contained in this Agreement, while Employee is employed by
Employer during the term of this Agreement, Employee shall have no employment
contract or other written or oral agreement concerning employment as an officer
of Employer with any entity or person other than Employer.

     2.2  Employee agrees and acknowledges by virtue of his employment hereunder
that he will be privy to an intimate knowledge of the Activities and affairs of
Employer, including trade secrets and other confidential matters. Employee
therefore agrees that if, during the term of employment, Employee renders
services to a competitor of Employer or its subsidiaries, if any, other than as
expressly authorized by the Board, Employer shall be entitled to immediate
injunctive or other equitable relief to restrain Employee from rendering
Employee's services to others than Employer and its subsidiaries and affiliates,
if any, in addition to any other remedies to which Employer may be entitled
under law; provided, however, that the right to such injunctive or other
equitable relief shall not survive the termination by Employer or Employee of
Employee's employment.  Except for the purpose of carrying out Employee's duties
hereunder, Employee will not remove or retain, or make copies or reproductions
of any inquiries, calculations, letters, papers, or information of any type or
description relating to the business of Employer, its
<PAGE>

subsidiaries or affiliates, if any, and Employee agrees that he will not divulge
to others any information or data acquired by him while in Employer's employ
relating to methods, processes, or other trade secrets or confidential
information. Employee further agrees that Employer is and shall be the sole and
exclusive owner of all improvements, ideas, and suggestions (whether or not
subject to patent or trademark protection), and all copyrightable materials
which are conceived by Employee during his employment, which relate to the
business of Employer or any of its subsidiaries or affiliates, which are
confidential, and which are not readily ascertainable from persons or other
sources outside Employer and its subsidiaries and affiliates.

111. COMPENSATION.
     ------------

     3.1  Employer will compensate and pay Employee for his services as follows:

          a.   Employee will be paid a salary at the, annual rate of the greater
or (i) such salary as the Board of Directors may set from time to time or (ii)
$87,635.00, payable in equal installments on the regular paydays then
established for executive personnel of Employer;

          b.   Employee will be reimbursed in a manner consistent with policies
of Employer heretofore or hereafter established for executive personnel, for all
reasonable expenses directly incurred by Employee in the discharge of any duties
hereunder;

          c.   Employee will receive such perquisites as senior executive
employees have historically been granted by Employer and as were being provided
to Employee immediately prior to the execution of this Agreement; and

          d.   Employee will receive such fringe benefits as shall be made
generally and proportionally available to other employees of Employer including,
but not limited to, the benefits of any Plan (as hereinafter defined).

     For purposes of this Agreement, "Plan" shall mean any compensation plan
such as an incentive, stock option or restricted stock plan or any employee
benefit plan such as a thrift, pension, profit sharing, long term performance
award, medical, disability, accident,
<PAGE>

life insurance plan or a relocation plan or policy or any other plan, program or
policy now or hereafter established by Employer and which is intended to benefit
employees.

     All payments made or payable to Employee under this Agreement shall be
subject to withholding for applicable taxes, social security or other
governmental levies and to insurance, savings or any other deductions
authorized, or for Employee's benefit, under any program established for or made
available to employees of Employer generally.

     3.2  Nothing in this Agreement shall prevent the Board of Directors of
Employer from at any time increasing the compensation and fringe benefits to be
paid to Employee in the event the Board of Directors in its sole discretion
shall deem it advisable to do so in order to compensate Employee for his
services.

IV.  TERMINATION PRIOR TO CHANGE IN CONTROL
     --------------------------------------

     4.1  Employer shall have the right, at any time prior to a change it
control of Employer as defined in Section V of this Agreement, upon prior
written notice of not less than thirty (30) days, to terminate Employee's
employment hereunder, subject to the compensation provisions contained herein.

     4.2  In the event that, prior to a change in control of Employer (as
defined in Section V hereof), Employee's employment is terminated pursuant to
subsection 4.1, for cause (as defined in the next paragraph), Employee shall
have no right to compensation or other benefits for any period after such
termination. If Employee is terminated pursuant to subsection 4.1 prior to a
change in control of Employer, other than for cause, Employee's right to
compensation and other benefits under this Agreement shall continue for the
remaining term of this Agreement (except that bonuses payable under an executive
incentive compensation plan will be paid to Employee only through the end of
Employer's fiscal year during which Employee's employment is terminated, in an
amount equal to the amount which would have been payable to Employee (at a
percentage participation no less than Employee received from the last
distribution under the Plan) had Employee
<PAGE>

continued in the employ of Employer for the entirety of such fiscal year
multiplied by a fraction consisting of a numerator equal to the number of days
between the beginning of such fiscal year and the date of the termination of
Employee's employment and a denominator of 365), and Employee shall have the
right after such termination to accept employment with a competing financial
institution or other enterprise notwithstanding the provisions of Section 11
hereof.

     For the purposes of this subsection 4.2, the term "cause" shall mean
personal dishonesty, gross incompetence, willful misconduct, willful breach of
fiduciary duty, willful violation of any federal, state, or local law, rule or
regulation (other than traffic violations or similar offenses), willful
violation of a final cease and desist order, willful breach or neglect of
Employee's duties hereunder, gross negligence, or misconduct in the performance
of Employee's duties.

V.   CHANGE IN CONTROL
     -----------------

     5.1  For purposes of this Agreement, a "change in control" of Employer
shall have occurred at such time as (a) the Federal Reserve Board should have
approved a notice filed by any Person (as hereinafter defined) with respect to
Employer pursuant to either 12 C.F.R. (S)225.11 or 12 C.F.R. (S)225.41 (or any
successor regulation thereto), as either is in effect on the date hereof; (b)
any Person becomes the "beneficial owner" (as defined in Rule 13d-3 under the
Securities Exchange Act of 1934 or any successor regulation thereto), directly
or indirectly, of 25% or more of the combined voting power of Employer's
outstanding securities ordinarily having the right to vote at elections of its
directors; (c) individuals who constitute Employer's Board of Directors on the
date hereof (the "Incumbent Board") cease for any reason to constitute at least
a majority thereof; provided that any person becoming a director subsequent to
the date hereof whose election, or nomination for election by Employer's
shareholders, was approved by a vote of at least three quarters of the directors
comprising the Incumbent Board shall be considered as though such Person were a
member of the Incumbent Board for purposes of this Section V; (d) the merger or
consolidation of Employer with or into another
<PAGE>

corporation; or (e) the sale, conveyance or other transfer of substantially all
of the assets of Employer.

     5.2  For the purpose of this Agreement, the term "Person" shall include any
individual, corporation, partnership, group, association or other "person," as
such term is used in Section 14(d) of the Exchange Act, other than Employer or
any employee benefit plan(s) sponsored by Employer.

VI.  TERMINATION FOLLOWING CHANGE IN CONTROL
     ---------------------------------------

     6.1  If any of the events described in Section V hereof constituting a
change in control of Employer shall have occurred, Employee shall be entitled to
compensation provided in subsection 7.2 of Section VII hereof upon Employee's
determination to terminate his employment with Employer or upon termination by
Employer of Employee's employment with Employer.

     6.2  Any termination by either party hereto following a change in control
shall be communicated by written notice of termination ("Notice of Termination")
to the other party hereto.  Such Notice of Termination shall specify the date as
of which employment shall terminate ("Date of Termination"), which said Date of
Termination shall not be more than sixty (60) days after the date of the Notice
of Termination.

VII. COMPENSATION UPON TERMINATION: OTHER AGREEMENTS.
     -----------------------------------------------

     7.1  During any period following a change in control that Employee fails to
perform his duties as a result of incapacity due to physical or mental illness,
Employee shall continue to receive his salary at the rate then in effect and any
benefits or awards under any Plans shall continue to accrue during such period,
to the extent not inconsistent with such Plans, until Employee's employment is
terminated pursuant to and in accordance with Section VI hereof. Thereafter,
Employee's compensation and other benefits shall be determined in accordance
with subsection 7.2 hereof and the Plans then in effect.

     7.2  Subject to subsections 6.1 and 7.4 and Section X hereof, if within
thirty-six (36) months of the date on which a change in control shall have
occurred, as defined in
<PAGE>

Section V above, Employee's employment with Employer shall be terminated by
Employer, then Employee shall be entitled, without regard to any contrary
provisions of any Plan, to the following benefits:

          (A)  For the period which is the greater of (i) the remaining term of
employment provided for in this Agreement or (ii) twenty-four (24) months,
commencing on the Date of Termination, Employer shall continue to provide
Employee all perquisites which were being provided to Employee immediately prior
to the Date of Termination and shall make provisions and pay all insurance
premiums as they come due during such period so that Employee's medical
insurance benefits, life insurance and accident insurance plan coverage will
continue to be on terms and at levels substantially the same as those existing
on the day prior to the Date of Termination;

          (B)  For the period which is the greater of (i) the remaining term of
employment provided for in this Agreement or (ii) 12 months, commencing on the
Date of Termination, Employer shall continue to pay to Employee the Annual
Compensation theretofore received by Employee from Employer.  For purposes of
this Agreement, "Annual Compensation" shall mean Employee's current annual base
salary immediately preceding the change in control or immediately preceding the
Date of Termination, whichever is the greater, in accordance with Section 3.1(a)
hereof.  Should there be a distribution from any executive incentive
compensation plan at the close of the plan year during which termination occurs,
Employer shall in addition be paid the amount provided for in Section 4.2
hereof.

          (C)  Employee shall be or become vested under all Plans as of the date
when the last compensation under this Agreement is due to be paid to Employee.

     7.3  The amount of any payment provided for in this Section VII shall not
be reduced, offset, or subject to recovery by Employer by reason of any
compensation earned by Employee as a result of subsequent employment by another
employer other than a competing banking institution located within fifty (50)
miles of 220 East Main Street, Salem, Virginia, after the Date of Termination,
or otherwise.
<PAGE>

      7.4  Notwithstanding the other provisions of this Section VII, should
Employer terminate Employee for intentional misconduct tantamount to the
commission of a felony and relating to his employment, no further compensation
shall be paid to Employee after the Date of Termination. Otherwise, Employee
shall be entitled to the full compensation provided for herein after his
termination whether such termination is by Employee or Employer, subject,
however, to the provisions of subsection 6.1 of Section VI.

VIII. SUCCESSORS: BINDING AGREEMENT.
      -----------------------------

      8.1  This Agreement shall inure to the benefit of and be binding upon any
corporate or other successor of Employer which shall result from a change in
control as defined in Section V hereof.  Employer shall require any such
successor, by an agreement in form and substance satisfactory to Employee,
expressly to assume and agree to perform this Agreement in the same manner and
to the same extent as Employer would be required to perform if no such
succession had taken place.

      8.2  This Agreement shall inure to the benefit of and be enforceable by
Employee's personal or legal representative, executors, administrators,
successors, heirs, distributees, devisees, and legatees.  If Employee should die
while any amount would still be payable to Employee hereunder at the time of
death of Employee, such amounts, unless otherwise provided herein, shall be paid
in accordance with the terms of this Agreement to Employee's devisee, legatee,
beneficiary, or designee or, if there be no such designee, to Employee's estate.

IX.   FEES AND EXPENSES.
      -----------------

      Employer shall provide in advance and pay all legal fees and related
expenses incurred by Employee as a result of Employee's seeking to obtain or
enforce any right or benefit provided by this Agreement.

X.    TAXES.
      ----

      10.1 All payments to be made to Employee under this Agreement will be
subject to required withholding of federal, state and local income and
employment taxes.

      10.2 Anything in this Agreement to the contrary notwithstanding, in the
event that mutually satisfactory independent auditors (the "Auditors") shall
determine that any
<PAGE>

payment or distribution by Employer to or for Employee's benefit (whether paid
or payable or distributed pursuant to the terms of this Agreement or otherwise)
(a "Payment") would be a "parachute payment" as defined in Section 28OG of the
Internal Revenue Code (the "Code"), then the aggregate present value of amounts
payable or distributable to or for Employee's benefit pursuant to this Agreement
(such payments or distributions pursuant to this Agreement are hereinafter
referred to as "Agreement Payments") shall be reduced (but not below zero) to
the Reduced Amount. For purposes of this subsection 10.2 of this Section X, the
"Reduced Amount" shall be an amount expressed in present value which maximizes
the aggregate present value of Agreement Payments such that the aggregate
present value of Payments equals the Reduced Amount.

     10.3 If the Auditors determine that any Payment would be a "parachute
payment" as defined in Section 28OG of the Code, Employer shall promptly give
Employee notice to that effect and a copy of the detailed calculation thereof
and of the Reduced Amount.  Employee may then elect, in his sole discretion,
which and what amount of Agreement Payments shall be eliminated or reduced (as
long as after such election the aggregate present value of the Agreement
Payments equals the Reduced Amount), and Employee shall advise Employer in
writing of Employee's election within 10 days of Employee's receipt of notice.
If no such election is made by Employee, Employer may elect which and how much
of the Agreement Payments shall be eliminated or reduced (as long as after such
election the aggregate present value of the Agreement Payments equals the
Reduced Amount) and shall notify Employee promptly of such election.  For
purposes of this subsection 10.3 of this Section X, present value shall be
determined in accordance with Section 28OG(d)(4) of the Code.  All
determinations made by the Auditors under this paragraph shall be made within 60
days of the Notice of Termination.  In accordance with Section VII hereof and as
promptly as practicable following such determination and the elections
hereunder, Employer shall pay to or distribute to or for Employee's benefit such
amounts as are the due to Employer under this Agreement and shall promptly pay
to or distribute for Employer's benefit in the future such amounts as become due
to Employee under this Agreement.
<PAGE>

     10.4 As a result of the uncertainty in this application of Section 28OG of
the Code at the time of the initial determination by the Auditors hereunder, it
is possible that Agreement Payments will have been made by Employer which should
not have been made ("Overpayment") or that additional Agreement Payments will
not have been made by Employer which should have been made ("Underpayment"), in
each case consistent with the calculation of the Reduced Amount hereunder.  In
the event that the Auditors, based upon the assertion of a deficiency by the
Internal Revenue Service against Employer or Employee which the Auditors believe
has a high probability of success, determine that an Overpayment has been made,
such Overpayment shall be treated for all purposes as a loan to Employee which
Employee shall repay to Employer together with interest at the applicable
federal rate provided for in Section 7872(f)(2) of the Code; provided, however,
that no amount shall be payable by Employee to Employer if and to the extent
such payment would not be considered for federal income tax purposes to reduce
the amount of Payments which are considered to be "parachute payments" within
the meaning of Section 28OG of the Code.  In the event that the Auditors, based
upon controlling precedent, determine that an Underpayment has occurred, any
such Underpayment shall be promptly paid by Employer to or for Employee's
benefit together with interest at the applicable federal rate provided for in
Section 7872(f)(2) of the Code.

     10.5 If any of the Agreement Payments will be subject to the excise tax
imposed by Section 4999 of the Internal Revenue Code or any similar tax that may
hereafter be imposed (the "Excise Tax"), Employer shall pay to Employee at the
time specified below an additional amount (the "Gross-up Payment") such that the
net amount retained by Employee, after deduction of any Excise Tax on the
Agreement Payments and any federal, state and local income tax and Excise Tax
upon the Gross-up Payment, but before deduction for any federal, state or local
income tax on the Agreement Payments, shall be equal to the total amount of the
Agreement Payments.

     10.6 For purposes of determining whether any of the Agreement Payments will
be subject to the Excise Tax and the amount of such Excise Tax, (i) the total
Agreement Payments shall be treated as "parachute payments" within the meaning
of Section 28OG(b)(2) of the Code, and all "excess parachute payments" within
the meaning of Section
<PAGE>

28OG(b)(1) of the Code shall be treated as subject to the Excise Tax, unless in
the opinion of tax counsel selected by the Auditors, such other payments or
benefits (in whole or in part) do not constitute parachute payments, or such
excess parachute payments (in whole or in part) represent reasonable
compensation for services actually rendered within the meaning of Section
28OG(b)(4) of the Code in excess of the base amount within the meaning of
Section 28OG(b)(3) of the Code or are otherwise not subject to the Excise Tax,
(ii) the amount of the Agreement Payments which shall be treated as subject to
the Excise Tax shall be equal to the lesser of (A) the total amount of the
Agreement Payments or (B) the amount of excess parachute payments within the
meaning of Section 28OG(b)(1) of the Code (after applying clause (i) above), and
(iii) the value of any non-cash benefits or any deferred payment or benefit
shall be determined by the Auditors in accordance with the principles of
Sections 28OG(d)(3) and (4) of the Code.

     10.7 For purposes of determining the amount of the Gross-up Payment,
Employee shall be deemed to pay federal income taxes at the highest marginal
rate of federal income taxation for the calendar year in which the Gross-up
Payment is to be made and the applicable state and local income taxes at the
highest marginal rate of taxation for the calendar year in which the Gross-up
Payment is to be made, net of the maximum reduction in federal income taxes
which could be obtained from deduction of such state and local taxes.  In the
event that the Excise Tax is subsequently determined to be less than the amount
taken into account hereunder at the time the Gross-up Payment is made, Employee
shall repay to Employer at the time that the amount of such reduction in Excise
Tax is finally determined the portion of the Gross-up Payment attributable to
such reduction (plus the portion of the Gross-up Payment attributable to the
Excise Tax and federal, state and local income tax imposed on the portion of the
Gross-up Payment being repaid by Employee if such repayment results in a
reduction in Excise Tax and/or a federal, state and local income tax deduction),
plus interest on the amount of such repayment at the applicable federal rate.
In the event that the Excise Tax is determined to
<PAGE>

exceed the amount taken into account hereunder at the time the Gross-up Payment
is made (including by reason of any payment the existence or amount of which
cannot be determined at the time of the Gross-up Payment), Employer shall make
an additional Gross-up Payment in respect of such excess (plus any interest
payable with respect to such excess at the time that the amount of such excess
is finally determined.

      10.8 The Gross-up Payment or portion thereof provided for above shall be
paid not later than the thirtieth (30th) day following payment of any amounts
under Section 7, provided, however, that if the amount of such Gross-up Payment
or portion thereof cannot be finally determined, on or before such day, Employer
shall pay to Employee on such day an estimate, as determined in good faith by
Employer, of the minimum amount of such payments and shall pay the remainder of
such payment together with interest at the applicable federal rate) as soon as
the amount thereof can be determined, but in no event later than the forty-fifth
(45th) day after payment of any amounts under Section 7. In the event that the
amount of the estimated payments exceeds the amount subsequently determined to
have been due, such excess shall constitute a loan by Employer to Employee,
payable on the fifth (5th) day after demand by Employer (together with interest
                                     ------
at the applicable federal rate).

      10.9 All determinations made by the Auditors pursuant to this Section X
shall be binding upon Employer and Employee.

XI.   SURVIVAL.
      --------

      The respective obligations of, and benefits afforded, Employer and
Employee as provided in Sections III, VII, VIII, IX,,, X, XI, XII, XIII, XIV and
XV of this Agreement shall survive termination of this Agreement.

XII.  NOTICES.
      -------

      For the purpose of this Agreement, notices and all other communications
provided for in the Agreement shall be in writing and shall be deemed to have
been duly given when delivered or mailed by United States certified or
registered mail, return receipt requested, postage prepaid and addressed to the
addresses set forth on the first page of this Agreement, provided that all
notice to Employer shall be directed to the attention of
<PAGE>

the most senior officer of Employer other than Employee, or to such other
addresses as either party may have furnished to the other in writing in
accordance herewith, except that notice of change of address shall be in effect
only upon receipt.

XIII. MISCELLANEOUS.
      -------------

      No provision of this Agreement may be modified, waived or discharged
unless such modification, waiver or discharge is agreed to in writing signed by
Employee and the most senior officer of Employer other than Employee. No waiver
by either party hereto at any time of any breach by the other party hereto of,
or of compliance with, any condition or provision of this Agreement to be
performed by such other party shall be deemed a wavier of similar or dissimilar
provisions or conditions at the same or at any prior or subsequent time. No
agreements or representations, oral or otherwise, express or implied, with
respect to the subject matter hereof have been made by either party which are
not expressly set forth in this Agreement. The validity, interpretation,
construction and performance of this Agreement shall be governed by the laws of
the Commonwealth of Virginia.

XIV.  VALIDITY.
      --------

      The invalidity or unenforceability of any provision of this Agreement
shall not affect the validity or enforceability of any other provision of this
Agreement, which shall remain in full force and effect.

XV.   RELATED AGREEMENTS.
      ------------------

      To the extent that any provision of any other agreement between Employer
or any of its subsidiaries and Employee shall limit, qualify or be inconsistent
with any provision of this Agreement, then for purposes of this Agreement, while
the same shall remain in force, the provision of this Agreement shall control
and such provision of such other agreement shall be deemed to have been
superseded, and to be of no force and effect, as if such other agreement had
been formally amended to the extent necessary to accomplish such purpose.

      IN WITNESS WHEREOF, the parties hereto have duly executed this Agreement
as of the day and year first above written.
<PAGE>

EMPLOYEE:                               EMPLOYER:

                                        SALEM BANK & TRUST, N.A.



_________________________           By: ________________________________
CLARK OWEN, JR.                         Chairman, Board of Directors