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                            Home Federal Savings Bank
                          EXCESS BENEFIT PLAN AGREEMENT

       THIS AGREEMENT is made this first day of April,  2001, by and between
Home Federal  Savings Bank, a federal savings bank located in Seymour, Indiana
(the "Company") and JOHN K. KEACH, JR. (the "Executive").

                                  INTRODUCTION

       It is the consensus of the Board of Directors that the Executive's
services to the Company have been of exceptional merit and have constituted a
valuable contribution to the general welfare of the Company.

       Because of the Executive's importance to the Company, he is highly
compensated. Under the Company's qualified retirement programs, the Executive's
benefits are reduced because of Internal Revenue Code limitations on benefits
payable to highly compensated employees. For this reason, the Board of Directors
desires to provide the Executive with an additional benefit to encourage the
Executive to continue his employment with the Company. Such benefit shall be for
the purpose of providing the Executive with the full pension benefits that he
would otherwise be entitled to without regard to any existing governmental
regulations.

                                    AGREEMENT

       The Executive and the Company agree as follows:

                                    Article 1
                                   Definitions

       Whenever used in this Agreement, the following words and phrases shall
have the meanings specified:

1.1      "Code" means the Internal Revenue Code of 1986, as amended.

1.2      "Corporation" means Home Federal Bancorp.

1.3      "Pension Plan" means the qualified defined benefit retirement plan
          sponsored by the Company.

1.4      "Salary" means the lesser of:

(a)                the Executive's basic annual salary as of each January
                   1st, exclusive of special payments such as bonuses or fees,
                   but including any salary reductions made in accordance with
                   Sections 125 or 401(k) of the Code, or
(b)                $295,500; provided, however, that the $295,500 amount
                   described in subparagraph (b) shall be adjusted each January
                   1, beginning January 1, 2002, to an amount determined by
                   multiplying the dollar amount in effect on the calendar day
                   immediately preceding the January 1 adjustment date by 104%;
                   provided, further, that under no circumstances shall such
                   amount described in subparagraph (b) exceed $553,466.

1.5      "Termination for Cause" See Section 5.2.

1.6  "Termination of Employment" means that the Executive ceases to be
employed by the Company or the Corporation for any reason whatsoever other than
by reason of a leave of absence, which is approved by the Company. For purposes
of this Agreement, if there is a dispute over the employment status of the
Executive or the date of the Executive's Termination of Employment, the Company
shall have the sole and absolute right to decide the dispute.

                                    Article 2
                                Lifetime Benefits

       2.1  Retirement Benefit. Upon Termination of Employment on or after
the date of execution of this Agreement for reasons other than Termination for
Cause, the Company shall pay to the Executive the benefit described in this
Section 2.1 in lieu of any other benefit under this Agreement.

2.1.1  Amount of Benefit. The Supplemental Benefit payable under this
       Section 2.1 in the form of a straight life annuity over the lifetime of
       the Executive only, commencing at age 65 or, if later, on the first
       calendar day of the month coinciding with or next following the month
       during which the Executive terminates his employment with the Company,
       shall be a monthly amount equal to the amount, if any, by which:

(a)                   the monthly amount of the Pension Plan benefit to
                      which the Executive would have been entitled under the
                      Pension Plan if such benefit (1) was determined by
                      substituting the definition of Salary used in this Plan
                      for the definition used by the Pension Plan and (2) was
                      not computed by giving effect to the following:

(1)      the limitation on benefits on tax qualified retirement plans imposed
         by application of Section 415 of the Code,

(2)      the limitations imposed by Treas. Reg.ss.1.401(a)(4)-1 through Treas.
         Reg.ss.1.401(a)(4)-13; and

(3)      the limitations due to insufficient funding upon termination of the
         Company Pension Plan;

      exceeds

(b)                    the monthly amount of the Pension Plan benefit
                      actually payable to the Executive under the Pension Plan
                      or, in the case of the termination of the Pension Plan and
                      if greater, the amount of the benefit guaranteed by the
                      Pension Benefit Guaranty Corporation under Section 4022 of
                      the Employee Retirement Income Security Act of 1974, as
                      amended.

2.1.2   Payment of Benefit. The Company shall pay the annual benefit to
       the Executive in equal monthly installments payable on the first day of
       each month commencing with the month following the Executive's
       Termination of Employment (but not before age 55) and continuing for the
       Executive's life. If the Executive elects an optional form of benefit
       under the Pension Plan, the Executive's payments shall be actuarially
       adjusted; provided, however, that if payments commence before Executive
       reaches age 65, the monthly amount payable shall be reduced to reflect
       early commencement in the same manner the payments would be reduced if
       paid under the Pension Plan.

                                    Article 3
                                 Death Benefits

       3.1 Death During Active Service. If the Executive dies while in the
active service of the Company, the Company shall pay to the Executive's
beneficiary the benefit described in this Section 3.1. This benefit shall mirror
the death benefit provided by the Pension Plan.

3.1.1    Amount of Benefit.  The benefit under this section 3.1 is the lesser of:

(a)      the amount by which three times the Executive's last 12 month's Salary
         exceeds the amount paid by the Pension Plan, or

                      (b)  $1,086,534.

              3.1.2 Payment of Benefit. The Company shall pay the benefit to
       the beneficiary in the form elected in Schedule A attached to this
       Agreement. If monthly installments are elected, payments shall be
       actuarially determined.

       3.2 Death During Benefit Period. If the Executive dies after the
benefit payments have commenced under this Agreement but before receiving all
such payments, the Company shall pay the remaining benefits to the Executive's
beneficiary based on the form of Pension Plan payment elected by the Executive.

                                    Article 4
                                  Beneficiaries

       4.1 Beneficiary Designations. The Executive shall designate a
beneficiary by filing a written designation with the Company. The Executive may
revoke or modify the designation at any time by filing a new designation.
However, designations will only be effective if signed by the Executive and
accepted by the Company during the Executive's lifetime. The Executive's
beneficiary designation shall be deemed automatically revoked if the beneficiary
predeceases the Executive, or if the Executive names a spouse as beneficiary and
the marriage is subsequently dissolved. If the Executive dies without a valid
beneficiary designation, all payments shall be made to the Executive's estate.

       4.2  Facility of Payment. If a benefit is payable to a minor, to a
person declared incapacitated, or to a person incapable of handling the
disposition of his or her property, the Company may pay such benefit to the
guardian, legal representative or person having the care or custody of such
minor, incapacitated person or incapable person. The Company may require proof
of incapacity, minority or guardianship as it may deem appropriate prior to
distribution of the benefit. Such distribution shall completely discharge the
Company from all liability with respect to such benefit.

                                    Article 5
                               General Limitations

       5.1 Excess  Parachute or Golden  Parachute  Payment.  Notwithstanding
any  provision of this  Agreement  to the  contrary,  the Company  shall not pay
any benefit  under this  Agreement to the extent the benefit  would be a
prohibited  golden  parachute  payment pursuant to 12 C.F.R.ss.359.2 and for
which the appropriate  federal banking agency has not given written consent to
pay pursuant to 12 C.F.R.ss.359.4.

                                    Article 6
                          Claims and Review Procedures

       6.1  Claims Procedure. The Company shall notify any person or entity
that makes a claim against the Agreement (the "Claimant") in writing, within
ninety (90) days of Claimant's written application for benefits, of his or her
eligibility or noneligibility for benefits under the Agreement. If the Company
determines that the Claimant is not eligible for benefits or full benefits, the
notice shall set forth (1) the specific reasons for such denial, (2) a specific
reference to the provisions of the Agreement on which the denial is based, (3) a
description of any additional information or material necessary for the Claimant
to perfect his or her claim, and a description of why it is needed, and (4) an
explanation of the Agreement's claims review procedure and other appropriate
information as to the steps to be taken if the Claimant wishes to have the claim
reviewed. If the Company determines that there are special circumstances
requiring additional time to make a decision, the Company shall notify the
Claimant of the special circumstances and the date by which a decision is
expected to be made, and may extend the time for up to an additional ninety-day
period.

       6.2 Review Procedure. If the Claimant is determined by the Company
not to be eligible for benefits, or if the Claimant believes that he or she is
entitled to greater or different benefits, the Claimant shall have the
opportunity to have such claim reviewed by the Company by filing a petition for
review with the Company within sixty (60) days after receipt of the notice
issued by the Company. Said petition shall state the specific reasons, which the
Claimant believes, entitle him or her to benefits or to greater or different
benefits. Within sixty (60) days after receipt by the Company of the petition,
the Company shall afford the Claimant (and counsel, if any) an opportunity to
present his or her position to the Company orally or in writing, and the
Claimant (or counsel) shall have the right to review the pertinent documents.
The Company shall notify the Claimant of its decision in writing within the
sixty-day period, stating specifically the basis of its decision, written in a
manner calculated to be understood by the Claimant and the specific provisions
of the Agreement on which the decision is based. If, because of the need for a
hearing, the sixty-day period is not sufficient, the decision may be deferred
for up to another sixty-day period at the election of the Company, but notice of
this deferral shall be given to the Claimant.

                                    Article 7
                           Amendments and Termination

       This Agreement may be amended or terminated only by a written agreement
signed by the Company and the Executive, except as provided in Article 5.

                                    Article 8
                                  Miscellaneous

       8.1    Binding Effect. This Agreement shall bind the Executive and the
Company, and their beneficiaries,  survivors,  executors, successors,
administrators and transferees.

       8.2  No Guarantee of Employment. This Agreement is not an employment
policy or contract. It does not give the Executive the right to remain an
employee of the Company, nor does it interfere with the Company's right to
discharge the Executive. It also does not require the Executive to remain an
employee nor interfere with the Executive's right to terminate employment at any
time.

       8.3  Non-Transferability. Benefits under this Agreement cannot be
sold, transferred, assigned, pledged, attached or encumbered in any manner.

       8.4    Tax Withholding.  The Company shall withhold any taxes that are
required to be withheld from the benefits  provided under this Agreement.

       8.5    Applicable Law. The Agreement and all rights  hereunder shall be
governed by the laws of the State of Indiana,  except to the extent preempted
by the laws of the United States of America.

       8.6  Unfunded Arrangement. The Executive and beneficiary are general
unsecured creditors of the Company for the payment of benefits under this
Agreement. The benefits represent the mere promise by the Company to pay such
benefits. The rights to benefits are not subject in any manner to anticipation,
alienation, sale, transfer, assignment, pledge, encumbrance, attachment, or
garnishment by creditors. Any insurance on the Executive's life is a general
asset of the Company to which the Executive and beneficiary have no preferred or
secured claim.

       8.7  Recovery of Estate Taxes.  If the Executive's gross
estate for federal estate tax purposes includes any amount determined by
reference to and on account of this Agreement, and if the beneficiary is other
than the Executive's estate, then the Executive's estate shall be entitled to
recover from the beneficiary receiving such benefit under the terms of the
Agreement, an amount by which the total estate tax due by the Executive's
estate, exceeds the total estate tax which would have been payable if the value
of such benefit had not been included in the Executive's gross estate. If there
is more than one person receiving such benefit, the right of recovery shall be
against each such person. In the event the beneficiary has a liability
hereunder, the beneficiary may petition the Company for a lump sum payment in an
amount not to exceed the beneficiary's liability hereunder.

8.8  Entire Agreement.  This Agreement  constitutes the entire agreement between
     the Company and the Executive as to the subject  matter  hereof.  No rights
     are granted to the Executive by virtue of this  Agreement  other than those
     specifically set forth herein.

8.9  Administration.  The Company shall have powers which are necessary to
 administer this  Agreement,  including but not limited to:

8.9.1   Interpreting the provisions of the Agreement;
8.9.2  Establishing and revising the method of accounting for
the Agreement; 8.9.3 Maintaining a record of benefit payments; and 8.9.4
Establishing rules and prescribing any forms necessary or desirable to
administer the Agreement.

       IN WITNESS WHEREOF, the Executive and a duly authorized Company officer
have signed this Agreement.

EXECUTIVE:                                          COMPANY:
                                                    Home Federal Savings Bank

/s/ John K. Keach, Jr.                              By  /s/ Lawrence E. Welker
----------------------------------                   --------------------------
John K. Keach, Jr.                                  Title  EVP/CFO
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         By execution hereof, Home Federal Bancorp consents to and agrees to be
bound by the terms and condition of this Agreement.

ATTEST:                                              CORPORATION:
                                                     Home Federal Bancorp

/s/Linda K. Scheidt                                By  /s/ Lawrence E. Welker
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Ass't. Secretary                                   Title  EVP/CFO
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