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                                                                EXHIBIT 10.10(a)
                                                                  BKMU 2000 10-K

                        FIRST NORTHERN SAVINGS BANK, S.A.
               NONQUALIFIED DEFERRED RETIREMENT PLAN FOR DIRECTORS

         In order to assist the members of the Board of Directors of First
Northern Savings Bank, S.A. (hereinafter "First Northern") in providing for
their retirement security, and to induce continued service by said directors on
behalf of First Northern, First Northern hereby adopts the FIRST NORTHERN
SAVINGS BANK, S.A. NONQUALIFIED DEFERRED RETIREMENT PLAN FOR DIRECTORS (the
"Plan").

                                    ARTICLE I

                                   ELIGIBILITY

         For purposes of this Plan, a director eligible to participate in the
Plan shall be any individual who, on or after the Effective Date set forth
herein, is serving as a member of the Board of Directors of First Northern (an
"Eligible Director"). An Eligible Director shall also include any director of an
advisory board established by First Northern if such director was a director of
a predecessor institution and such director is designated by First Northern as
an Eligible Director.

                                   ARTICLE II

                           DEFERRED RETIREMENT BENEFIT

         1.       Termination at or after age 62. An Eligible Director who
terminates Board Service for any reason after both attaining age 62 and
completing at least 9 full years of Board Service shall be entitled to a monthly
retirement benefit from the Plan. For purposes of the Plan, the term Board
Service shall mean service as an Eligible Director, including service both
before and after the Effective Date of the Plan and including service as a
director of a predecessor institution.

         2.       Termination before age 62. An Eligible Director who terminates
Board Service for any reason before attaining age 62 shall be entitled to a
monthly retirement benefit from the Plan if, as of the date the Eligible
Director terminates Board Service, his age plus his full years of Board Service
equal or exceed 75.

         3.       Termination for Cause.  Notwithstanding paragraphs 1 and 2
above, in the event of an Eligible Director's termination of Board Service for
cause (as defined at 12 C.F.R.ss.563.39(b)(1)), such Eligible Director (and his
beneficiary) shall forfeit any and all rights to the present or future receipt
of any retirement benefit under the Plan.


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                                   ARTICLE III

                               PAYMENT OF BENEFIT

         1.       Payment of Benefit. First Northern shall pay to each Eligible
Director entitled to a benefit under Article II a monthly retirement benefit of
$1,000 commencing as of the first day of the month following the later of (i)
the date the Eligible Director attains age 62, (ii) the date the Eligible
Director terminates Board Service, or (iii) the date the Eligible Director
terminates employment with First Northern and its affiliates. Monthly payments
of $1,000 shall continue for 180 months or until the Eligible Director's death,
if earlier.

         2.       Suspension of Payments. In the event a former Eligible
Director who is receiving monthly payments under the Plan becomes an employee of
First Northern or any of its affiliates, or returns to Board Service as an
Eligible Director, payment of benefits under the Plan shall be suspended during
the period of such employment and/or additional Board Service. Payments shall
recommence on the first of the month following the later of (i) the date the
Eligible Director terminates employment with First Northern and its affiliates,
or (ii) the date the Eligible Director terminates Board Service. Monthly
retirement payments shall continue until the total number of payments made
(including payments made prior to the Eligible Director's employment or return
to Board Service) equals 180 monthly payments, or until the Eligible Director's
death, if earlier.

         3.       Death of Eligible Director. If an Eligible Director dies after
benefits have commenced under paragraph 1 above, but prior to the receipt of 36
monthly payments, monthly payments of $1,000 shall be continued to the
beneficiary designated by the Eligible Director for the duration of the 36 month
period. No payment shall be made under this Plan after the death of the Eligible
Director if such Eligible Director dies after receipt of 36 monthly payments or
dies before benefits have commenced under paragraph 1 above.

         4.       Beneficiary Designation. An Eligible Director may at any time
file with First Northern a written designation of a beneficiary who is to
receive any amount payable under the Plan in the event of the Eligible
Director's death. The Eligible Director shall have the right to change his
beneficiary from time to time; provided, however that with the designation on
file with First Northern at the time of the Eligible Director's death to be
controlling. If no beneficiary has been designated or if the designated
beneficiary predeceases the Eligible Director, then the beneficiary shall be the
Eligible Director's surviving spouse, or of none, the Eligible Director's
estate.

                                   ARTICLE IV

                          FIRST NORTHERN NOT AN ADVISOR

         First Northern offers this Plan as an accommodation to Eligible
Directors, but makes no representations or warranties concerning tax, Social
Security, or other ramifications of the Plan to any participant. Each Eligible
Director, by the act of

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participating in the Plan, acknowledges First Northern's lack of liability
and/or responsibility for tax, Social Security and/or other consequences of such
participation.

                                    ARTICLE V

                      AMENDMENT AND TERMINATION OF THE PLAN

         The Board of Directors of First Northern may, from time to time, amend
or terminate the Plan; provided, however, that no such amendment or termination
shall impair the rights of any individual receiving benefits under the Plan on
the date of such amendment or termination.

                                   ARTICLE VI

                      MERGER OR OTHER BUSINESS COMBINATION

         In the event of a merger or other business combination involving First
Northern in which it is not the resulting institution or entity, or which
involves a change in control of First Northern (as defined at 12 C.F.R. ss.
574.4 or which shall be deemed to occur as the result of any merger or
combination which results in the members of the Board of Directors of First
Northern constituting less than a majority of the board of directors of the
resulting or surviving institution existing after such merger or combination),
the rights and obligations of First Northern under the Plan shall become the
rights and obligations of the successors or acquiring entity or institution in
the merger or business combination. For all purposes under the Plan, service by
an Eligible Director as a member of the board of directors (or as an advisory
director) of a successor or acquiring institution or entity following a merger
or other business combination shall constitute Board Service as a member of the
Board of Directors of First Northern.

                                   ARTICLE VII

                                  MISCELLANEOUS

         1.       Other Plans. Nothing in the Plan shall be construed to affect
the rights of the Eligible Director, his beneficiaries, or his estate to receive
any retirement or death benefit under any tax qualified or nonqualified pensions
plan, deferred compensation agreement, insurance agreement, tax-deferred annuity
or other retirement plan maintained by First Northern or any other person or
entity. Amounts paid under this Plan shall be disregarded for purposes of
determining any benefits to which an Eligible Director shall be entitled under
any of the above-described plans or agreements unless specifically provided to
the contrary in such plan or agreement.

         2.       No Trust Created. Nothing contained in this Plan, and no
actions taken pursuant to the provisions of this Plan, shall create or be
construed to create a trust of any kind or a fiduciary relationship between
First Northern and any Eligible Director or any other person. Any benefits paid
under the Plan shall be paid directly by First Northern out of its general
assets, and First Northern shall not be required to separately fund, or to

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segregate on its books or otherwise, any amount to be used for payment of
benefits under the Plan.

         3.       Service With Another Employer. An Eligible Director may not
serve as a director, officer, or employee of any commercial bank, savings bank,
savings and loan association, credit union, other financial institution, or
holding company thereof, prior to or while receiving payments under this Plan.
Any Eligible Director who serves in any of the above capacities prior to receipt
of all benefits under the Plan shall forfeit any and all rights to any remaining
retirement benefits otherwise payable under the Plan.

         4.       Non-Assignability. The rights and benefits under the Plan are
personal to each Eligible Director and to his designated beneficiary at death
and may not be otherwise alienated, assigned, pledged, transferred, or otherwise
disposed of.

         5.       Controlling Law.  The Plan shall be governed by and construed
 in accordance with the laws of the State of Wisconsin.

         6.       Gender and Number.  Whenever used herein, a masculine pronoun
shall be deemed to include the feminine, and a plural word shall be deemed to
include the singular and plural in all cases where the context requires.

         7.       Notice. All notices, beneficiary designations, and other
communications provided for or contemplated under the Plan shall be in writing
and shall be deemed to have been duly given when delivered or mailed by United
States registered mail, return receipt requested, postage prepaid, addressed as
follows:

                           If to    First Northern:
                                    First Northern Savings Bank, S.A.
                                    201 North Monroe Avenue
                                    P.O. Box 23100
                                    Green Bay WI 53405-3100

or if to an Eligible Director to said Director's most recently known home
address as reflected on the records of First Northern.

         8.       Effective Date.  The Effective Date of the Plan shall be
____________ ___, 1991.


         IN WITNESS WHEREOF, First Northern has caused the Plan to be executed
by its duly authorized officer, to be effective as of the date specified above.

                                             FIRST NORTHERN SAVINGS BANK,.


                                             By: _______________________________

                                             Attest: ___________________________



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                        FIRST NORTHERN SAVINGS BANK, S.A.
               NONQUALIFIED DEFERRED RETIREMENT PLAN FOR DIRECTORS
                          BENEFICIARY DESIGNATION FORM

         As an Eligible Director participating in the First Northern Savings
Bank, S.A. Nonqualified Deferred Retirement Plan for Directors (the "Plan"), I
hereby revoke any prior beneficiary designation I may have made and designate
the following person as my beneficiary for any death benefits which may become
payable under the Plan:



         Beneficiary:
                     -----------------------------------
         Relationship:
                      ----------------------------------
         Address:
                 ---------------------------------------

         The above designation shall remain in full force and effect until
revoked or modified by me by filing a new Beneficiary Designation Form with
First Northern Savings Bank, S.A. I understand that if I am married and a
Wisconsin resident, my spouse may have an interest in any death benefit payable
under the Plan pursuant to Wisconsin's marital property law, and that my
beneficiary designation may be ineffective to the extent of my spouse's rights.


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Date                                        Eligible Director Signature


Received by First Northern Savings
Bank, S.A.:


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Date                                        Signature/Title