Exhibit 10.22a**LIFE INSURANCE****ENDORSEMENT METHOD SPLIT DOLLAR PLAN****AGREEMENT**     Insurer: ING Southland Life Insurance Company       Policy Number: 06 6000 2027       Bank: Centra Bank, Inc.       Insured: Douglas J. Leech, Jr.       Relationship of Insuredto Bank: Executive       Trust: Rabbi Trust for Centra Bank, Inc. ExecutiveSupplemental Retirement Plan Executive Agreementand Life Insurance Endorsement Method Split DollarPlan Agreement  The respective rights and duties of the Bank and the Insured in the above-referenced policy shallbe pursuant to the terms set forth below:**I.** **DEFINITIONS**   Refer to the policy contract for the definition of all terms in this Agreement. **II.** **POLICY TITLE AND OWNERSHIP**   Title and ownership shall reside in the Trustee for the Rabbi Trust for the ExecutiveSupplemental Retirement Plan Executive Agreement and the Life Insurance Endorsement MethodSplit Dollar Plan Agreement for its use and for the use of the Insured all in accordancewith this Agreement. The Trustee at the direction of the Bank may, to the extent of itsinterest, exercise the right to borrow or withdraw on the policy cash values. Where theTrustee at the direction of the Bank and the Insured (or assignee, with the consent of theInsured) mutually agree to exercise the right to increase the coverage under the subjectSplit Dollar
 

 
  policy, then, in such event, the rights, duties and benefits of the parties to suchincreased coverage shall continue to be subject to the terms of this Agreement.**III.** **BENEFICIARY DESIGNATION RIGHTS**   The Insured (or assignee) shall have the right and power to designate a beneficiary orbeneficiaries to receive the Insured’s share of the proceeds payable upon the death of theInsured, and to elect and change a payment option for such beneficiary, subject to anyright or interest the Trustee at the direction of the Bank or the Trust may have in suchproceeds, as provided in this Agreement. **IV.** **PREMIUM PAYMENT METHOD**   The Bank or the Trustee at the direction of the Bank shall pay an amount equal to theplanned premiums and any other premium payments that might become necessary to keep thepolicy in force. **V.** **TAXABLE BENEFIT**   Annually the Insured will receive a taxable benefit equal to the assumed cost of insuranceas required by the Internal Revenue Service. The Bank or the Trustee at the direction ofthe Bank shall award the Insured a cash bonus in an amount sufficient to reimburse theInsured for the net tax amount incurred as a result of said taxable benefit as definedherein. **VI.** **DIVISION OF DEATH PROCEEDS**   Subject to Paragraphs VII and IX herein, the division of the death proceeds of the policyis as follows: A. Upon the death of the Insured, the Insured’s beneficiary(ies), designated inaccordance with Paragraph III, shall be entitled to an amount equal to one hundredpercent (100%) of the net at risk insurance portion of the proceeds. The net at riskinsurance portion is the total proceeds less the cash value of the policy.  B. The Bank shall be entitled to the remainder of such proceeds.  C. The Bank and the Insured (or assignees) shall share in any interest due onthe death proceeds on a pro rata basis as the proceeds due each respectively bears tothe total proceeds, excluding any such interest.    An illustration of the calculation of the Division of Death Proceeds as set forthherein is attached hereto and marked as Exhibit “A”. The numbers referred to insaid Exhibit A are not actual nor representative of any Division of Death Proceedsthat may be actually calculated per this Life
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   Insurance Endorsement Method Split Dollar Agreement. Exhibit A is attached here tomerely for illustrative purposes.**VII.** **DIVISION OF THE CASH SURRENDER VALUE OF THE POLICY**   The Bank or the Trust shall at all times be entitled to an amount equal to the policy’scash value, as that term is defined in the policy contract, less any policy loans andunpaid interest or cash withdrawals previously incurred by the Bank or the Trustee at thedirection of the Bank and any applicable surrender charges. Such cash value shall bedetermined as of the date of surrender or death as the case may be. **IX.** **TERMINATION OF AGREEMENT**   This Agreement shall terminate upon the occurrence of any one of the following: 1. Surrender, lapse, or other termination of the Policy by the Bank.  The Trustee for the Bank shall notify the Insured in writing of any said intent toterminate and the Insured (or assignee) shall have a thirty (30) day option to receive fromthe Bank or the Trustee at the direction of the Bank an absolute assignment of the policyin consideration of a cash payment to the Bank or the Trustee at the direction of the Bank,whereupon this Agreement shall terminate. Such cash payment referred to hereinabove shallbe the lesser of: 1. The Bank’s or the Trust’s share of the cash value of the policy on the dateof such assignment, as defined in this Agreement; or  2. The amount of the premiums which have been paid by the Bank or the Trustee atthe direction of the Bank prior to the date of such assignment.  If, within said thirty (30) day period, the Insured fails to exercise said option, fails toprocure the entire aforestated cash payment, or dies, then the option shall terminate, andthe Insured (or assignee) agrees that all of the Insured’s rights, interest and claims inthe policy shall terminate as of the date of the termination of this Agreement.   The Insured expressly agrees that this Agreement shall constitute sufficient written noticeto the Insured of the Insured’s option to receive an absolute assignment of the policy asset forth herein.   Except as provided above, this Agreement shall terminate upon distribution of the deathbenefit proceeds in accordance with Paragraph VI above.
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**X.** **INSURED’S OR ASSIGNEE’S ASSIGNMENT RIGHTS**   The Insured may, with the written consent of the Bank, assign to any individual, trust orother organization, such rights as the Insured presently has under the Agreement. Insuredand Bank expressly recognize that the rights of Insured under this Agreement are limited tothose rights specified in Paragraphs III herein and include only the rights (subject to thewritten consent of the Bank) (i) to designate a beneficiary or beneficiaries to receiveInsured’s share of the proceeds; and (ii) to designate and change a payment option for suchbeneficiary or beneficiaries. **XI.** **AGREEMENT BINDING UPON THE PARTIES**   This Agreement shall bind the Insured and the Bank or the Trustee at the direction of theBank, their heirs, successors, personal representatives and assigns. **XII.** **ERISA PROVISIONS**   The following provisions are part of this Agreement and are intendedto meet the requirements of the Employee Retirement Income SecurityAct of 1974 (“ERISA”): A. Named Fiduciary and Plan Administrator.    The “Named Fiduciary and Plan Administrator” of this Endorsement Method SplitDollar Agreement shall be Centra Bank, Inc. until resignation or removal by theBoard of Directors. As Named Fiduciary and Plan Administrator, the Bank or theTrustee at the direction of the Bank shall be responsible for the management,control, and administration of this Split Dollar Plan as established herein. TheNamed Fiduciary may delegate to others certain aspects of the management andoperation responsibilities of the Plan, including the employment of advisors andthe delegation of any ministerial duties to qualified individuals.  B. Funding Policy.    The funding policy for this Split Dollar Plan shall be to maintain the subjectpolicy in force by paying, when due, all premiums required.  C. Basis of Payment of Benefits.    Direct payment by the Insurer is the basis of payment of benefits under thisAgreement, with those benefits in turn being based on the payment of premiums asprovided in this Agreement.  D. Claim Procedures.
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   Claim forms or claim information as to the subject policy can be obtained bycontacting The Benefit Marketing Group, Inc. (770-952-1529). When the NamedFiduciary has a claim which may be covered under the provisions described in theinsurance policy, they should contact the office named above, and they will eithercomplete a claim form and forward it to an authorized representative of the Insureror advise the named Fiduciary what further requirements are necessary. The Insurerwill evaluate and make a decision as to payment. If the claim is payable, abenefit check will be issued in accordance with the terms of this Agreement.    In the event that a claim is not eligible under the policy, the Insurer will notifythe Named Fiduciary of the denial pursuant to the requirements under the terms ofthe policy. If the Named Fiduciary is dissatisfied with the denial of the claimand wishes to contest such claim denial, they should contact the office named aboveand they will assist in making inquiry to the Insurer. All objections to theInsurer’s actions should be in writing and submitted to the office named above fortransmittal to the Insurer.**XIII.** **GENDER**   Whenever in this Agreement words are used in the masculine or neuter gender, they shall beread and construed as in the masculine, feminine or neuter gender, whenever they should soapply. **XIV.** **INSURANCE COMPANY NOT A PARTY TO THIS AGREEMENT**   The Insurer shall not be deemed a party to this Agreement, but will respect the rights ofthe parties as herein developed upon receiving an executed copy of this Agreement. Paymentor other performance in accordance with the policy provisions shall fully discharge theInsurer for any and all liability. **XV.** **CHANGE OF CONTROL**   Change of Control shall be defined as set forth in Insured’s Employment Agreement in effectat the time of said Change of Control. Upon a Change of Control, if the Insured’semployment is subsequently terminated, except for cause, then the Insured shall be onehundred percent (100%) vested in the benefits promised in this Agreement and, therefore,upon the death of the Insured, the Insured’s beneficiary(ies) (designated in accordancewith Paragraph III) shall receive the death benefit provided herein as if the Insured haddied while employed by the Bank [See Subparagraphs VI (A) & (B)].
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**XVI.** **AMENDMENT OR REVOCATION**   It is agreed by and between the parties hereto that, during the lifetime of the Insured,this Agreement may be amended or revoked at any time or times, in whole or in part, by themutual written consent of the Insured and the Bank. **XVII.** **EFFECTIVE DATE**   The Effective Date of this Agreement shall be March 29, 2000. **XVIII.** **SEVERABILITY AND INTERPRETATION**   If a provision of this Agreement is held to be invalid or unenforceable, the remainingprovisions shall nonetheless be enforceable according to their terms. Further, in theevent that any provision is held to be over broad as written, such provision shall bedeemed amended to narrow its application to the extent necessary to make the provisionenforceable according to law and enforced as amended. **XIX.** **APPLICABLE LAW**   The validity and interpretation of this Agreement shall be governed by the laws of the Stateof West Virginia. **XX.** **EXHIBIT A**   An illustration of certain definitions, terms, and benefits as set forth herein is attachedhereto and marked as Exhibit “A”. The certain definitions, terms, and benefits referred toin said Exhibit A are not actual nor representative of any certain definitions, terms, andbenefits that may be actually in this Executive Agreement. Exhibit A is attached here tomerely for illustrative purposes.Executed at Morgantown, West Virginia this 20th day of April, 2000.                      **CENTRA BANK, INC.**