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                                  Exhibit 10.6

         Employment Agreement between Fidelity Financial of Ohio, Inc.,
               Fidelity Federal Savings Bank and Joseph D. Hughes



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                              EMPLOYMENT AGREEMENT

         EMPLOYMENT AGREEMENT, dated this 11th day of October 1996, between
Fidelity Financial of Ohio, Inc., an Ohio corporation (the "Corporation"),
Fidelity Federal Savings Bank, a federally chartered savings bank and a wholly
owned subsidiary of the Corporation (the "Bank"), and Joseph D. Hughes (the
"Executive"). Hereinafter, the Corporation and the Bank are referred to
collectively as the "Employers."

                                   WITNESSETH

         WHEREAS, pursuant to an Amended and Restated Agreement of Merger dated
June 13, 1996 (the "Plan") by and among the Corporation, Fidelity Acquisition
Corporation ("FAC") and Circle Financial Corporation ("Circle Financial"), and
an Amended and Restated Agreement of Merger dated June 13, 1996 between the Bank
and People's Savings Association (the "Association"), Circle Financial merged
with and into FAC and the Association merged with and into the Bank;

         WHEREAS, pursuant to the terms of the Plan, upon the consummation of
the transactions contemplated thereby on October 11, 1996 the Executive became
the Executive Vice President of the Corporation and the Executive Vice President
and Chief Lending Officer of the Bank;

         WHEREAS, the Employers desire to be ensured of the Executive's 
continued active participation in the business of the Employers; and

         WHEREAS, in order to induce the Executive to remain in the employ of
the Employers and in consideration of the Executive's agreeing to remain in the
employ of the Employers, the parties desire to specify the severance benefits
which shall be due the Executive in the event that his employment with the
Employers is terminated under specified circumstances.

         NOW THEREFORE, in consideration of the premises and the mutual
agreements herein contained, the parties hereby agree as follows:

         1.       DEFINITIONS.  The following words and terms shall have the 
meanings set forth below for the purposes of this Agreement:

         (a)      AVERAGE ANNUAL COMPENSATION. The Executive's "Average Annual
Compensation" for purposes of this Agreement shall be deemed to mean the average
level of compensation paid to the Executive by the Employers or any subsidiary
thereof (or Circle Financial or any subsidiary thereof) during the most recent
five taxable years preceding the Date of Termination (or such shorter period as
the Executive was employed thereby), including Base Salary and bonuses under any
employee benefit plans of the Employers.

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         (b)     BASE SALARY.  "Base Salary" shall have the meaning set forth
in Section 3(a) hereof.

         (c)     CAUSE. Termination of the Executive"s employment for "Cause" 
shall mean termination because of personal dishonesty, incompetence, willful
misconduct, breach of fiduciary duty involving personal profit, intentional
failure to perform his duties as described in Section 2(b) hereof, willful
violation of any law, rule or regulation (other than traffic violations or
similar offenses) or final cease-and-desist order or material breach of any
provision of this Agreement. For purposes of this paragraph, no act or failure
to act on the Executive's part shall be considered "willful" unless done, or
omitted to be done, by the Executive not in good faith and without reasonable
belief that the Executive's action or omission was in the best interest of the
Employers.

         (d)     CHANGE IN CONTROL OF THE CORPORATION. "Change in Control of the
Corporation" shall mean a change in control of a nature that would be required
to be reported in response to Item 6(e) of Schedule 14A of Regulation 14A
promulgated under the Securities Exchange Act of 1934, as amended ("Exchange
Act"), or any successor thereto, whether or not the Corporation is registered
under Exchange Act; provided that, without limitation, such a change in control
shall be deemed to have occurred if (i) any "person" (as such term is used in
Sections 13(d) and 14(d) of the Exchange Act) is or becomes the "beneficial
owner" (as defined in Rule 13d-3 under the Exchange Act), directly or
indirectly, of securities of the Corporation representing 25% or more of the
combined voting power of the Corporation's then outstanding securities; or (ii)
during any period of two consecutive years, individuals who at the beginning of
such period constitute the Board of Directors of the Corporation cease for any
reason to constitute at least a majority thereof unless the election, or the
nomination for election by stockholders, of each new director was approved by a
vote of at least two-thirds of the directors then still in office who were
directors at the beginning of the period.

         (e)     CODE. "Code" shall mean the Internal Revenue Code of 1986, as 
amended.

         (f)     DATE OF TERMINATION. "Date of Termination" shall mean (i) if
the Executive's employment is terminated for Cause or for Disability, the date
specified in the Notice of Termination, and (ii) if the Executive's employment
is terminated for any other reason, the date on which a Notice of Termination is
given or as specified in such Notice.

         (g)     DISABILITY. Termination by the Employers of the Executive's
employment based on "Disability" shall mean termination because of any physical
or mental impairment which qualifies the Executive for disability benefits under
the applicable long-term disability plan maintained by the Employers or any
subsidiary or, if no such plan applies, which would qualify the Executive for
disability benefits under the Federal Social Security System.

         (h)     GOOD REASON. Termination by the Executive of the Executive's 
employment for "Good Reason" shall mean termination by the Executive following 
a Change in Control of the Corporation based on:

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                    (i) Without the Executive's express written consent, a
               material adverse change made by the Employers in the Executive's
               functions, duties or responsibilities as Executive Vice President
               of the Corporation and Executive Vice President and Chief Lending
               Officer of the Bank;

                    (ii) Without the Executive's express written consent, a
               material reduction by the Employers in the Executive's Base
               Salary as the same may be increased from time to time or, except
               to the extent permitted by Section 3(b) hereof, a material
               reduction in the package of fringe benefits provided to the
               Executive, taken as a whole;

                    (iii) Without the Executive's express written consent, the
               Employers require the Executive to work in an office which is
               more than 30 miles from the location of the Employers' current
               principal executive office, except for required travel on
               business of the Employers to an extent substantially consistent
               with the Executive's present business travel obligations;

                    (iv) Any purported termination of the Executive's employment
               for Cause, Disability or Retirement which is not effected
               pursuant to a Notice of Termination satisfying the requirements
               of paragraph (j) below; or

                    (v) The failure by the Employers to obtain the assumption of
               and agreement to perform this Agreement by any successor as
               contemplated in Section 9 hereof.

        (i)   IRS.  IRS shall mean the Internal Revenue Service.

        (j)   NOTICE OF TERMINATION. Any purported termination of the 
Executive's employment by the Employers for any reason, including without
limitation for Cause, Disability or Retirement, or by the Executive for any
reason, including without limitation for Good Reason, shall be communicated
by written "Notice of Termination" to the other parties hereto. For purposes of
this Agreement, a "Notice of Termination" shall mean a dated notice which (i)
indicates the specific termination provision in this Agreement relied upon,
(ii) sets forth in reasonable detail the facts and circumstances claimed to
provide a basis for termination of Executive's employment under the provision
so indicated, (iii) specifies a Date of Termination, which shall be not less
than thirty (30) nor more than ninety (90) days after such Notice of
Termination is given, except in the case of the Employers' termination of
Executive's employment for Cause; and (iv) is given in the manner specified in
Section 10 hereof.

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         (k)      RETIREMENT. "Retirement" shall mean voluntary termination by 
the Executive in accordance with the Employers' retirement policies, including 
early retirement, generally applicable to the Employers' salaried employees.

         2.       TERM OF EMPLOYMENT.

         (a)      The Employers hereby employ the Executive as Executive Vice
President of the Corporation and Executive Vice President and Chief Lending
Officer of the Bank and Executive hereby accepts said employment and agrees to
render such services to the Employers on the terms and conditions set forth in
this Agreement. Unless extended as provided in this Section 2, this Agreement
shall terminate three (3) years after the date first above written. Prior to the
first annual anniversary of the date first above written and each annual
anniversary thereafter, the Boards of Directors of the Employers shall consider,
review (with appropriate corporate documentation thereof, and after taking into
account all relevant factors, including the Executive's performance) and, if
appropriate, explicitly approve a one-year extension of the remaining term of
this Agreement. The term of this Agreement shall continue to extend each year if
the Boards of Directors so approve such extension unless the Executive gives
written notice to the Employers of the Executive's election not to extend the
term, with such notice to be given not less than thirty (30) days prior to any
such anniversary date. If the Boards of Directors elect not to extend the term,
they shall give written notice of such decision to the Executive not less than
thirty (30) days prior to any such anniversary date. If any party gives timely
notice that the term will not be extended as of any annual anniversary date,
then this Agreement shall terminate at the conclusion of its remaining term.
References herein to the term of this Agreement shall refer both to the initial
term and successive terms.

         (b)     During the term of this Agreement, the Executive shall perform
such executive services for the Employers as is consistent with his title of
Executive Vice President and Chief Lending Officer. The Executive shall be
responsible for establishing and coordinating the lending activities of the
Bank, including oversight of the Bank's loan portfolio.

         3.      COMPENSATION AND BENEFITS.

         (a)     The Employers shall compensate and pay Executive for his
services during the term of this Agreement at a minimum base salary of $124,000
per year ("Base Salary"), which may be increased from time to time in such
amounts as may be determined by the Boards of Directors of the Employers. In 
addition to his Base Salary, the Executive shall be entitled to receive during 
the term of this Agreement such bonus payments as may be determined by the
Boards of Directors of the Employers.

         (b)     During the term of the Agreement, Executive shall be entitled 
to participate in and receive the benefits of any pension or other retirement
benefit plan, profit sharing, stock option, employee stock ownership, or other
plans, benefits and privileges given to employees and executives of the
Employers, to the extent commensurate with his then duties

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and responsibilities, as fixed by the Boards of Directors of the Employers. The
Employers shall not make any changes in such plans, benefits or privileges which
would adversely affect Executive's rights or benefits thereunder, unless such
change occurs pursuant to a program applicable to all executive officers of the
Employers and does not result in a proportionately greater adverse change in the
rights of or benefits to Executive as compared with any other executive officer
of the Employers. Nothing paid to Executive under any plan or arrangement
presently in effect or made available in the future shall be deemed to be in
lieu of the salary payable to Executive pursuant to Section 3(a) hereof.

         (c)     During the term of this Agreement, Executive shall be entitled
to paid annual vacation in accordance with the policies as established from
time to time by the Boards of Directors of the Employers, which shall in no
event be less than four weeks per annum. Executive shall not be entitled to
receive any additional compensation from the Employers for failure to take a
vacation, nor shall Executive be able to accumulate unused vacation time from
one year to the next, except to the extent authorized by the Boards of Directors
of the Employers.

          4.      EXPENSES. The Employers shall reimburse Executive or otherwise
provide for or pay for all reasonable expenses incurred by Executive in
furtherance of, or in connection with the business of the Employers, including,
but not by way of limitation, automobile and traveling expenses, and all
reasonable entertainment expenses (whether incurred at the Executive's
residence, while traveling or otherwise), subject to such reasonable
documentation and other limitations as may be established by the Boards of
Directors of the Employers. If such expenses are paid in the first instance by
Executive, the Employers shall reimburse the Executive therefor.

          5.      TERMINATION.

         (a)      The Employers shall have the right, at any time upon prior 
Notice of Termination, to terminate the Executive's employment hereunder
for any reason, including without limitation termination for Cause, Disability
or Retirement, and Executive shall have the right, upon prior Notice of
Termination, to terminate his employment hereunder for any reason.

         (b)       In the event that (i) Executive's employment is terminated by
the Employers for Cause, Disability or Retirement or in the event of the
Executive's death, or (ii) Executive terminates his employment hereunder other
than for Good Reason, Executive shall have no right pursuant to this Agreement
to compensation or other benefits for any period after the applicable Date of
Termination.

         (c)(i)    In the event that Executive's employment is terminated by the
Employers for other than Cause, Disability, Retirement or the Executive's death
or such employment is terminated by the Executive due to a material breach of
this Agreement by the Employers, which breach has not been cured within fifteen
(15) days after a written notice of

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non-compliance has been given by the Executive to the Employers, and as of
Executive's Date of Termination no Change in Control of the Corporation has
occurred, no written agreement which contemplates a Change in Control of the
Corporation and which still is in effect has been entered into by either or both
of the Employers and no discussions and/or negotiations are being conducted
which relate to the same, then the Employers shall, subject to the provisions of
Section 6 hereof, if applicable:

         (A)       Pay to the Executive, in equal monthly installments beginning
with the first business day of the month following the Date of Termination,
a cash severance amount equal to the Base Salary which the Executive would have
earned over the remaining term of this Agreement as of his Date of Termination,
and

         (B)       Maintain and provide for a period ending at the earlier of 
(i) the expiration of the remaining term of employment pursuant hereto
prior to the Notice of Termination or (ii) the date of the Executive's full-time
employment by another employer (provided that the Executive is entitled under
the terms of such employment to benefits substantially similar to those
described in this subparagraph (B)), at no cost to the Executive, the
Executive's continued participation in all group insurance, life insurance,
health and accident, disability and other employee benefit plans, programs and
arrangements in which the Executive was entitled to participate immediately
prior to the Date of Termination (other than stock option and restricted stock
plans of the Employers), provided that in the event that the Executive's
participation in any plan, program or arrangement as provided in this
subparagraph (B) is barred or during such period any such plan, program or
arrangement is discontinued or the benefits thereunder are materially reduced,
the Employers shall arrange to provide the Executive with benefits substantially
similar to those which the Executive was entitled to receive under such plans,
programs and arrangements immediately prior to the Date of Termination.

         (ii)      In the event that Executive's employment is terminated by the
Employers for other than Cause, Disability, Retirement or the Executive's death,
or such employment is terminated by the Executive due to a material breach of
this Agreement by the Employers which has not been cured within fifteen (15)
days after a written notice of non-compliance has been given by the Executive to
the Employers or for Good Reason, and on or prior to the Executive's Date of
Termination there has been a Change in Control of the Corporation, or a written
agreement which contemplates a Change in Control of the Corporation is in
effect, then the Employers shall subject to the provisions of Section 6 hereof,
if applicable:

         (A)       Pay to the Executive, in thirty-six (36) equal monthly 
installments beginning with the first business day of the month following
the Date of Termination, a cash severance amount equal to three (3) times the
Executive's Average Annual Compensation over the most recent five taxable years,
and

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         (B)       Maintain and provide for a period ending at the earlier of
(i) the expiration of the remaining term of employment pursuant hereto
prior to the Notice of Termination or (ii) the date of the Executive's full-time
employment by another employer (provided that the Executive is entitled under
the terms of such employment to benefits substantially similar to those
described in this subparagraph (B)), at no cost to the Executive, the
Executive's continued participation in all group insurance, life insurance,
health and accident, disability and other employee benefit plans, programs and
arrangements in which the Executive was entitled to participate immediately
prior to the Date of Termination (other than stock option and restricted stock
plans of the Employers), provided that in the event that the Executive's
participation in any plan, program or arrangement as provided in this
subparagraph (B) is barred or during such period any such plan, program or
arrangement is discontinued or the benefits thereunder are materially reduced,
the Employers shall arrange to provide the Executive with benefits substantially
similar to those which the Executive was entitled to receive under such plans,
programs and arrangements immediately prior to the Date of Termination.

         6.       LIMITATION OF BENEFITS UNDER CERTAIN CIRCUMSTANCES. If the
payments and benefits pursuant to Section 5 hereof, either alone or
together with other payments and benefits which Executive has the right to
receive from the Employers, would constitute a "parachute payment" under Section
280G of the Code, the payments and benefits pursuant to Section 5 hereof shall
be reduced, in the manner determined by the Executive, by the amount, if any,
which is the minimum necessary to result in no portion of the payments and
benefits under Section 5 being non-deductible to either of the Employers
pursuant to Section 280G of the Code and subject to the excise tax imposed under
Section 4999 of the Code. The determination of any reduction in the payments and
benefits to be made pursuant to Section 5 shall be based upon the opinion of
independent tax counsel selected by the Employers' independent public
accountants and paid by the Employers. Such counsel shall be reasonably
acceptable to the Employers and the Executive; shall promptly prepare the
foregoing opinion, but in no event later than thirty (30) days from the Date of
Termination; and may use such actuaries as such counsel deems necessary or
advisable for the purpose. In the event that the Employers and/or the Executive
do not agree with the opinion of such counsel, (i) the Employers shall pay to
the Executive the maximum amount of payments and benefits pursuant to Section 5,
as selected by the Executive, which such opinion indicates that there is a high
probability do not result in any of such payments and benefits being
non-deductible to the Employers and subject to the imposition of the excise tax
imposed under Section 4999 of the Code and (ii) the Employers may request, and
Executive shall have the right to demand that the Employers request, a ruling
from the IRS as to whether the disputed payments and benefits pursuant to
Section 5 hereof have such consequences. Any such request for a ruling from the
IRS shall be promptly prepared and filed by the Employers, but in no event later
than thirty (30) days from the date of the opinion of counsel referred to above,
and shall be subject to Executive's approval prior to filing, which shall not be
unreasonably withheld. The Employers and Executive agree to be bound by any
ruling received from the IRS and to make appropriate payments to each other to
reflect any such rulings, together with interest at the applicable federal rate
provided for

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in Section 7872(f)(2) of the Code. Nothing contained herein shall result in a
reduction of any payments or benefits to which the Executive may be entitled
upon termination of employment under any circumstances other than as specified
in this Section 6, or a reduction in the payments and benefits specified in
Section 5 below zero.

         7.       MITIGATION; EXCLUSIVITY OF BENEFITS.

         (a)      The Executive shall not be required to mitigate the amount of
any benefits hereunder by seeking other employment or otherwise, nor shall the
amount of any such benefits be reduced by any compensation earned by the
Executive as a result of employment by another employer after the Date of
Termination or otherwise.

         (b)      The specific arrangements referred to herein are not intended
to exclude any other benefits which may be available to the Executive upon a
termination of employment with the Employers pursuant to employee benefit plans
of the Employers or otherwise.

         8.       WITHHOLDING. All payments required to be made by the Employers
hereunder to the Executive shall be subject to the withholding of such
amounts, if any, relating to tax and other payroll deductions as the Employers
may reasonably determine should be withheld pursuant to any applicable law or
regulation.

         9.       ASSIGNABILITY. The Employers may assign this Agreement and its
rights and obligations hereunder in whole, but not in part, to any corporation,
bank or other entity with or into which the Employers may hereafter merge or
consolidate or to which the Employers may transfer all or substantially all of
its assets, if in any such case said corporation, bank or other entity shall by
operation of law or expressly in writing assume all obligations of the Employers
hereunder as fully as if it had been originally made a party hereto, but may not
otherwise assign this Agreement or its rights and obligations hereunder. The
Executive may not assign or transfer this Agreement or any rights or obligations
hereunder.

         10.      NOTICE. For the purposes of this Agreement, notices and all
other communications provided for in this Agreement shall be in writing and 
shall be deemed to have been duly given when delivered or mailed by certified or
registered mail, return receipt requested, postage prepaid, addressed to the
respective addresses set forth below:

     To the Employers:                   Board of Directors
                                         Fidelity Financial of Ohio, Inc.
                                         4555 Montgomery Road
                                         Cincinnati, Ohio 45212

     To the Executive:                   Joseph D. Hughes
                                         43 Huntersknoll Lane
                                         Cincinnati, Ohio 45230

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         11.      AMENDMENT; WAIVER. No provisions of this Agreement may be 
modified, waived or discharged unless such waiver, modification or
discharge is agreed to in writing signed by the Executive and such officer or
officers as may be specifically designated by the Boards of Directors of the
Employers to sign on its behalf. No waiver by any party hereto at any time of
any breach by any other party hereto of, or compliance with, any condition or
provision of this Agreement to be performed by such other party shall be deemed
a waiver of similar or dissimilar provisions or conditions at the same or at any
prior or subsequent time.

         12.      GOVERNING LAW. The validity, interpretation, construction and
performance of this Agreement shall be governed by the laws of the United States
where applicable and otherwise by the substantive laws of the State of Ohio.

         13.      NATURE OF OBLIGATIONS. Nothing contained herein shall create 
or require the Employers to create a trust of any kind to fund any benefits
which may be payable hereunder, and to the extent that the Executive
acquires a right to receive benefits from the Employers hereunder, such right
shall be no greater than the right of any unsecured general creditor of the
Employers.

         14.      INTERPRETATION AND HEADINGS. This agreement shall be
interpreted in order to achieve the purposes for which it was entered into.
The section headings contained in this Agreement are for reference purposes only
and shall not affect in any way the meaning or interpretation of this Agreement.

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

         16.      COUNTERPARTS. This Agreement may be executed in one or more
counterparts, each of which shall be deemed to be an original but all of which 
together will constitute one and the same instrument.

         17.      REGULATORY ACTIONS. The following provisions shall be
applicable to the parties to the extent that they are required to be included
in employment agreements between a savings association and its employees
pursuant to Section 563.39(b) of the Regulations Applicable to all Savings 
Associations, 12 C.F.R. ss.563.39(b), or any successor thereto, and shall be 
controlling in the event of a conflict with any other provision of this 
Agreement, including without limitation Section 5 hereof.

         (a)      If Executive is suspended from office and/or temporarily 
prohibited from participating in the conduct of the Employers' affairs
pursuant to notice served under Section 8(e)(3) or Section 8(g)(1) of the
Federal Deposit Insurance Act ("FDIA")(12 U.S.C. ss.ss.1818(e)(3) and
1818(g)(1)), the Employers' obligations under this Agreement shall be suspended
as of the date of service of such notice, unless stayed by appropriate
proceedings.

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If the charges in the notice are dismissed, the Employers may, in their
discretion: (i) pay Executive all or part of the compensation withheld while its
obligations under this Agreement were suspended, and (ii) reinstate (in whole or
in part) any of its obligations which were suspended.

         (b)      If Executive is removed from office and/or permanently
prohibited from participating in the conduct of the Employers' affairs by
an order issued under Section 8(e)(4) or Section 8(g)(1) of the FDIA (12 U.S.C.
ss.ss.1818(e)(4) and (g)(1)), all obligations of the Employers under this
Agreement shall terminate as of the effective date of the order, but vested
rights of the Executive and the Employers as of the date of termination shall
not be affected.

         (c)      If the Bank is in default, as defined in Section 3(x)(1) of
the FDIA (12 U.S.C. ss.1813(x)(1)), all obligations under this Agreement shall
terminate as of the date of default, but vested rights of the Executive and the
Employers as of the date of termination shall not be affected.

         (d)      All obligations under this Agreement shall be terminated
pursuant to 12 C.F.R. ss.563.39(b)(5) (except to the extent that it is
determined that continuation of the Agreement for the continued operation of the
Employers is necessary): (i) by the Director of the Office of Thrift Supervision
("OTS"), or his/her designee, at the time the Federal Deposit Insurance
Corporation ("FDIC") or Resolution Trust Corporation enters into an agreement to
provide assistance to or on behalf of the Bank under the authority contained in
Section 13(c) of the FDIA (12 U.S.C. ss.1823(c)); or (ii) by the Director of the
OTS, or his/her designee, at the time the Director or his/her designee approves
a supervisory merger to resolve problems related to operation of the Bank or
when the Bank is determined by the Director of the OTS to be in an unsafe or
unsound condition, but vested rights of the Executive and the Employers as of
the date of termination shall not be affected.

         18.      REGULATORY PROHIBITION. Notwithstanding any other provision of
this Agreement to the contrary, any payments made to the Executive pursuant to
this Agreement, or otherwise, are subject to and conditioned upon their 
compliance with Section 18(k) of the FDIA (12 U.S.C. ss.1828(k)) and any
regulations promulgated thereunder.

         19.      ENTIRE AGREEMENT. This Agreement incorporates the entire
understanding among the parties hereto relating to the subject matter hereof,
recites the sole consideration of the premises and mutual agreements exchanged
and supersedes any prior agreements between the Employers, including
predecessors thereof or entities acquired thereby, and Executive with respect to
the subject matter hereof, including specifically and without limitation, that
certain employment agreement dated as of August 6, 1991 (the "Association
Agreement") between the Association and Executive. In addition, the Executive by
execution hereof specifically waives any and all claims for benefits, payments,
compensation or amounts otherwise payable thereto by the provisions of the
Association Agreement as a result of the consummation of the transactions
contemplated by the Plan and agrees that this Agreement shall serve as the
complete and final settlement of all obligations of the Association and the
Employers, as the successors thereto, under the Association Agreement.

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         IN WITNESS WHEREOF, this Agreement has been executed as of the date
first above written.

Attest:                               FIDELITY FINANCIAL OF OHIO, INC.

/s/ Paul D. Staubach                   By: /s/ John R. Reusing
-----------------------------------        ------------------------------------
Paul D. Staubach                           John R. Reusing
Senior Vice President, Chief               President and Chief Executive Officer
   Financial Officer and Secretary

Attest:                                FIDELITY FEDERAL SAVINGS BANK

/s/ Paul D. Staubach                    By: /s/ John R. Reusing
-----------------------------------        ------------------------------------
Paul D. Staubach                           John R. Reusing
Senior Vice President, Chief               President and Chief Executive Officer
   Financial Officer and Secretary

                                       EXECUTIVE
 

                                       By:/s/ Joseph D. Hughes
                                         --------------------------------------
                                          Joseph D. Hughes


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