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                                                                    EXHIBIT 10.9

                         Cameron Financial Corporation

                                Severance Plan

     The Cameron Financial Corporation Severance Plan ("Plan") is hereby adopted
as of this 5/th/ day of October, 2000, by Cameron Financial Corporation, a
Delaware corporation ("Employer") for the benefit of its eligible employees.

                                  WITNESSETH

     Whereas, the Employees (as defined below) are currently employed by
Employer or an Affiliate or Associate (as defined below); and

     Whereas, Employer desires to establish the Plan to provide security to the
Employees in connection with the Employees' employment with Employer, or an
Affiliate or Associate in the event of a Change in Control affecting Employer;

     Now, Therefore, Employer hereby establishes the Plan as set forth below.

              Article 1 -Definitions.  For purposes of this Plan:
              ---------------------------------------------------

     (a)  "Affiliate" or "Associate" shall have the meaning set forth in Rule
          12b-2 under the Securities Exchange Act of 1934.

     (b)  "Beneficiary" shall mean the person or entity designated by an
          Employee, by written instrument delivered to Employer, to receive the
          benefits payable under this Plan in the event of his death. If an
          Employee fails to designate a Beneficiary, or if no Beneficiary
          survives the Employee, such death benefits shall be paid:

          (1)  to his surviving spouse; or

          (2)  if there is no surviving spouse, to his living descendants per
               stirpes; or

          (3)  if there is neither a surviving spouse nor descendants, to his
               duly appointed and qualified executor or personal representative.

     (c)  A "Change in Control" shall be deemed to take place on the occurrence
          of any of the following events:

          (1)  The acquisition by an entity, person or group (including all
               Affiliates or Associates of such entity, person or group) of
               beneficial ownership, as that term is defined in Rule 13d-3 under
               the Exchange Act, of capital stock of Employer if after such
               acquisition such entity, person or group (and their Affiliates or
               Associates) is entitled to exercise more than 30% of the
               outstanding voting power of all capital stock of Employer
               entitled to vote in elections of directors ("Voting Power");
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          (2)  The effective time of (i) a merger or consolidation of Employer
               with one or more other corporations as a result of which the
               holders of the outstanding Voting Power of Employer immediately
               prior to such merger or consolidation (other than the surviving
               or resulting corporation or any Affiliate or Associate thereof)
               hold less than 50% of the Voting Power of the surviving or
               resulting corporation, or (ii) a transfer of 30% of the Voting
               Power, or a Substantial Portion of the Property, of Employer
               other than to an entity of which Employer owns at least 50% of
               the Voting Power; or

          (3)  The election to the Board of Directors of Employer of candidates
               who were not recommended for election by the Board of Directors
               of Employer in office immediately prior to the election, if such
               candidates constitute a majority of those elected in that
               particular election.

     (d)  "Employee" shall mean a common-law employee on the date hereof of
          Employer or an Affiliate or Associate who is compensated on salaried
          basis, other than an employee who is covered by an employment or other
          agreement with the Employer or its subsidiaries that explicitly
          addresses compensation and benefits payable to them upon termination
          of their employment.

     (e)  "Good Cause" shall be deemed to exist with respect to an Employee if,
          and only if:

          (1)  The Employee engages in acts or omissions constituting fraud,
               embezzlement, dishonesty, intentional breach of fiduciary
               obligation or intentional wrongdoing, or the Employee fails to
               diligently, faithfully and competently perform any legal and
               morally defensible directions of Employer's management or Board
               of Directors; or

          (2)  The Employee is convicted of a felony or a violation of law
               involving fraud or dishonesty.

     (f)  "Good Reason" shall exist with respect to an Employee if and only if,
          without the Employee's express written consent:

          (1)  there is a significant decrease in the scope of the Employee's
               authority;

          (2)  the Employee is assigned duties materially inconsistent with his
               present duties, responsibilities and title;

          (3)  there is a reduction in the Employee's rate of base salary; or

          (4)  Employer or any Affiliate or Associate changes by 25 miles or
               more the principal location in which the Employee is required to
               perform services.

     (g)  "Retirement Plan" shall mean any qualified or supplemental employee
          pension benefit plan, as defined in Section 3(2) of the Employee
          Retirement Income

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          Security Act of 1974, as amended ("ERISA"), currently or hereinafter
          made available by Employer or an Affiliate or Associate in which an
          Employee is eligible to participate.

     (h)  "Salary" shall mean the Employee's annual base salary rate at the
          greater of (1) the date of the Change in Control, or (2) the date the
          Employee's employment with the Employer or an Affiliate or Associate
          terminates under circumstances described in Article 2(a).

     (i)  "Substantial Portion of the Property of Employer" shall mean 50% of
          the aggregate book value of the assets of Employer, as set forth on
          the most recent balance sheet of Employer, prepared on a consolidated
          basis, by its regularly employed, independent, certified public
          accountants.

             Article 2 - Benefits Upon Termination of Employment.
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     (a)  The following provisions will apply if, at any time within the six (6)
     months after a Change in Control occurs, (i) the employment of an Employee
     with Employer or its Affiliates or Associates is terminated by Employer or
     such Affiliates or Associates for any reason other than Good Cause, or (ii)
     the Employee terminates his employment with Employer or its Affiliates or
     Associates for Good Reason:

          (1)  Employer shall make a lump-sum cash payment to the Employee or
               his Beneficiary in an amount equal to:

               (A)  If the Employee shall have been credited with at least two
                    (2) years of vesting service under any Retirement Plan, two
                    week's Salary plus one additional week's Salary for each
                    full year of vesting service under any Retirement Plan up to
                    ten (10) years and one additional week's Salary for each two
                    full years of vesting service in excess of ten (10) years,
                    or

               (B)  if the Employee shall have been credited with at least one
                    (1) but less than two (2) years of vesting service under any
                    Retirement Plan, two (2) week's Salary, or

               (C)  if the Employee shall have been credited with less than one
                    (1) year of vesting service under any Retirement Plan, one
                    (1) week's Salary.

     Such payment shall be made within 30 days after the Employee's date of
     termination of employment.

     (b)  If the employment of an Employee with Employer or its Affiliates and
     Associates is terminated by Employer, such Affiliates, Associates or the
     Employee other than under circumstances set forth in Article 2(a), the
     Employee's compensation shall be paid through the date of his termination,
     and Employer shall have no further obligation with respect to the Employee
     under this Plan.

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     (c)  Notwithstanding anything herein to the contrary, in the event that, at
     any time within six (6) months after a Change in Control occurs, Employer
     or an Affiliate or Associate shall have the right to terminate such
     Employee immediately after giving written notice specifying in detail the
     reason or reasons for the Employee's termination.

     (d)  This Plan shall have no effect, and Employer shall have no obligations
     hereunder, with respect to an Employee whose employment terminates for any
     reason at any time other than within six (6) months after a Change in
     Control.

                              Article 3 - Setoff.
                              ------------------

     Any payments or benefits payable to or with respect to an Employee pursuant
to this Plan shall be reduced by any amount the Employee or his spouse or
Beneficiary may owe to Employer or any Affiliate or Associate, except for a loan
to such Employee secured by a first mortgage on the Employee's primary residence
or a loan to such Employee on an automobile that was not in excess of the Blue
Book loan value when made.  No payments or benefits payable to or with respect
to an Employee pursuant to this Plan shall be reduced by any amount Employee may
earn or receive from employment with another employer or from any other source.

                              Article 4 - Death.
                              -----------------

     If an Employee's employment with Employer and all Affiliates or Associates
terminates under circumstances described in subsection 2(a) or (b), then upon
the Employee's subsequent death, all unpaid amounts payable to the Employee
under subsection 2(a)(1) or 2(b), shall be paid to his Beneficiary.

         Article 5 - No Solicitation of Representatives and Employees.
         ------------------------------------------------------------

     No Employee shall, directly or indirectly, in his individual capacity or
otherwise, induce, cause, persuade, or attempt to induce, cause or, persuade,
any representative, agent or employee of Employer or any of its Affiliates and
Associates to terminate such person's employment relationship with Employer or
any of its Affiliates and Associates, or to violate the terms of any agreement
between said representative, agent or employee and Employer or any of its
Affiliates or Associates.

                         Article 6 - Confidentiality.
                         ---------------------------

Preservation of a continuing business relationship between Employer or its
Affiliates and Associates and their respective customers, representatives, and
employees is of critical importance to the continued business success of
Employer, its Affiliates and Associates and it is the active policy of Employer,
its Affiliates and Associates to guard as confidential certain information not
available to the public relating to the business affairs of Employer, its
Affiliates and Associates.  In view of the foregoing, no Employee shall, without
the prior written consent of Employer, disclose to any person or entity any such
confidential information that was obtained by the Employee in the course of his
employment by Employer or any of its Affiliates

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or Associates. This section shall not be applicable if and to the extent the
Employee is required to testify in a legislative, judicial or regulatory
proceeding pursuant to an order of Congress, any state or local legislature, a
judge, or an administrative law judge or is otherwise required by law to
disclose such information.

                            Article 7 - Forfeiture.
                            ----------------------

     If an Employee shall at any time violate any obligation of his under
Article 5 or 6, he or she shall immediately forfeit the right to any benefits
under this Plan, and Employer and its Affiliates and Associates shall thereafter
have no further obligation hereunder to the Employee or his spouse, Beneficiary
or any other person.

                        Article 8 - Benefits Unfunded.
                        -----------------------------

     All rights under this Plan of the Employees and their spouses and
Beneficiaries, shall at all times be entirely unfunded, and no provision shall
at any time be made with respect to segregating any assets of Employer for
payment of any amounts due hereunder.  The Employees, their spouses and
Beneficiaries shall have only the rights of general unsecured creditors of
Employer and its Affiliates and Associates.

                          Article 9 - Applicable Law.
                          --------------------------

     This Plan shall be construed and interpreted pursuant to the laws of
Missouri.

                     Article 10 - No Employment Contract.
                     -----------------------------------

     Nothing contained in this Plan shall be construed to be an employment
contract between an Employee and Employer or any Affiliate or Associate.

                          Article 11 - Severability.
                          -------------------------

     In the event any provision of this Plan is held illegal or invalid, the
remaining provisions of this Plan shall not be affected thereby.

                           Article 12 - Successors.
                           -----------------------

     The Plan shall be binding upon and inure to the benefit of Employer, the
Employees and their respective heirs, representatives and successors.

                    Article 13 - Amendment and Termination.
                    --------------------------------------

     Employer shall have the right to amend the Plan from time to time and may
terminate the Plan at any time; provided that within six (6) months following a
Change in Control (i) no amendment may be made that diminishes any Employee's
right in the event of a termination of employment, following such Change in
Control and (ii) the Plan may not be terminated.

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                           Article 14 - Excise Tax.
                           -----------------------

     If the payments and benefits provided under the Plan to or with respect to
an Employee, either alone or with other payments and benefits, would constitute
"parachute payments" within the meaning of Section 280G of the Internal Revenue
Code of 1986, as amended, then the payments and/or benefits under the Plan shall
be reduced to the extent necessary so that no portion thereof shall be subject
to the excise tax imposed by Section 4999 of the Code.  Either Employer or the
party entitled to receive the payment or benefit may request that a
determination shall be made by independent tax counsel selected by Employer and
approved by such party.  "Independent tax counsel" shall mean a law firm of
recognized expertise in Federal income tax matters that has not previously
advised Employer or an Affiliate or Associate.

     IN WITNESS WHEREOF, Employer has caused this instrument to be executed in
its name by its duly authorized officer, all as of the day and year first above
written.


                              CAMERON FINANCIAL CORPORATION


                              By: /s/ Jon N. Crouch, Chairman
                                  ---------------------------
                                  Jon N. Crouch, Chairman

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