Exhibit 10.10


                             MAIN STREET TRUST, INC.
                            2000 STOCK INCENTIVE PLAN

                             STOCK OPTION AGREEMENT


This Stock Option  Agreement (the  "Agreement") is made and entered into between
Main  Street  Trust,  Inc.  ("Main  Street"),  an  Illinois   corporation,   and
____________  ("Optionee"),  as of  ____________  (the  "Effective  Date").  All
defined  terms  herein  shall have the meaning  given them under the Main Street
Trust, Inc. 2000 Stock Incentive Plan (the "Plan").

1.   Grant.  Main Street  grants  Optionee an option  (the  "Option")  as of the
     Effective Date to acquire ______ shares of Main Street's  Common Stock (the
     "Shares"),  subject in all respects to the terms and conditions of the Plan
     and such other terms and conditions as are set forth herein.

2.   Tax Treatment. This Option is not intended to constitute an Incentive Stock
     Option under Section 422 of the Internal Revenue Code of 1986, as amended.

3.   Option Price.  The Option price as  determined  by Main  Street's  Board of
     Directors (the "Board") is $_____ per share.  The Option price may be paid:
     (i) in cash;  (ii) in Common  Stock  valued at its Fair Market Value on the
     date of  exercise,  provided it has been owned by the Optionee for at least
     six (6)  months  prior to the  exercise;  (iii) in cash by an  unaffiliated
     broker-dealer  to whom the holder of the option has  submitted  an exercise
     notice consisting of a fully endorsed option; (iv) by agreeing to surrender
     SARs then  exercisable by the Optionee valued at their Fair Market Value on
     the date of exercise; (v) by such other medium of payment as the Committee,
     in its discretion,  shall authorize;  or (vi) by any combination of clauses
     (i) through (v) above,  as the Optionee shall elect. In the case of payment
     pursuant to clauses (ii) through (v) above, the Optionee's election must be
     made on or  prior  to the  date  of  exercise  of the  option  and  must be
     irrevocable.  In lieu of a separate election  governing each exercise of an
     option,  the  Optionee  may file a blanket  election  that shall govern all
     future exercises of options until revoked by the Optionee.

4.   Vesting; Exercisability.  This Option shall vest in equal parts on each day
     beginning on the date of this Agreement such that on the first  anniversary
     date of this  Agreement,  the Optionee  shall be fully vested in the shares
     represent  by the  Option  granted  hereby;  provided  however,  that  upon
     Optionee's  Retirement  prior to the first  anniversary of this  Agreement,
     this Option shall become fully vested and exercisable.

5.   Compliance  with Law.  The Option may not be  exercised  if the issuance of
     Shares upon such exercise  would  constitute a violation of any  applicable
     federal  or state  securities  law,  or any other law or  regulation.  As a
     condition to the exercise of this Option,  Optionee shall represent to Main
     Street that the Shares being  acquired under this Option are for investment
     and not with a present view for distribution or resale,  unless counsel for
     Main  Street  is then of the  opinion  that  such a  representation  is not
     required under any applicable law,  regulation or rule of any  governmental
     agency.

6.   No Assignment. Except as otherwise provided under the Plan, this Option may
     not be transferred  in any manner and may be exercised  during the lifetime
     of  Optionee  only by him.  This  Option  may be  exercised  by  Optionee's
     executors,  administrators,  heirs, assigns and successors, in the event of
     his death, and the terms of this Agreement shall be binding on them.

7.   Term;  Annual  Limits.  The  exercise of this Option will be subject to the
     following limitations:

     (a)  This  Option may not be  exercised  more than ten (10) years after the
          Effective Date.

     (b)  This Option must be exercised within three (3) months of the effective
          date  of  the  termination  of  the  Optionee's  service  unless  such
          termination is due to Optionee's death, Disability or Retirement.

     (c)  This  Option  must be  exercised  within  twelve  (12)  months  of the
          effective date of the  termination  of the Optionee's  service if such
          termination is due to Optionee's death or Disability.

     (d)  This  Option  may be  exercised  as  provided  under  (a) above if the
          Optionee's service is terminated due to Retirement, provided, however,
          that if the  Optionee  dies  after  Retirement,  this  Option  must be
          exercised within twelve (12) months of the Optionee's death.

                                             MAIN STREET TRUST, INC.


                                             By:
                                                 -------------------------------
                                                 President and CEO

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ATTEST:

Optionee  acknowledges  that he has received a copy of the Plan and  Participant
Information  Statement  with respect to the Plan and is familiar  with the terms
and  conditions  set forth  therein.  Optionee  agrees  to  accept  as  binding,
conclusive,  and final all  decisions  and  interpretations  of the Board or the
Committee.  As a condition to the exercise of this Option,  Optionee  authorizes
Main  Street to  withhold  from any regular  cash  compensation  payable by Main
Street any taxes required to be withheld  under any federal,  state or local law
as a result of exercising this Option.

Dated: ______________, 2005

                                                    ----------------------------
                                                    Optionee




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