EXHIBIT 10
 UNITED COMMUNITY FINANCIAL CORP. &
THE HOME SAVINGS AND LOAN COMPANY OF YOUNGSTOWN, OHIO
 EXECUTIVE INCENTIVE PLAN
 
 See
  2009 Peer Group
           st
         See




---



##### 



See
 Threshold Levels:
 Overall Profitability
    
    Growth Rate
    
    Asset QualityNCOs/Core
    
    Core
    
    Net Income
    
    Core Deposit
    
    Texas
    
    AverageLevel
    
    ROAE
    
    ROAA
    
    Budget
    
    Growth
    
    Ratio
    
    Loans1
    
    <25thPct
    
    <25thPct
    
    70% of Budget
    
    <25thPct
    
    <25thPct
    
    <25thPct2
    
    25th
    
    25th
    
    75%
    
    25th
    
    25th
    
    25th3
    
    30th
    
    30th
    
    80%
    
    30th
    
    30th
    
    30th4
    
    35th
    
    35th
    
    85%
    
    35th
    
    35th
    
    35th5
    
    40th
    
    40th
    
    95%
    
    40th
    
    40th
    
    40th6
    
    Median
    
    Median
    
    100%
    
    Median
    
    Median
    
    Median7
    
    55th
    
    55th
    
    105%
    
    55th
    
    55th
    
    55th8
    
    60th
    
    60th
    
    115%
    
    60th
    
    60th
    
    60th9
    
    65th
    
    65th
    
    120%
    
    65th
    
    65th
    
    65th10
    
    70th
    
    70th
    
    125%
    
    70th
    
    70th
    
    70th11
    
    >75thPct
    
    >75thPct
    
    130%
    
    >75thPct
    
    >75thPct
    
    >75thPct
 Definitions:
 
    
    Pct: Percentile Rank within defined Peer Group
 
    
    Core ROAE and ROAA: GAAP performance excluding extraordinary items;
 
    
    Core Deposit Growth: Total Deposits, less CDs > $100,000, brokered deposits
and public deposits;
 
    
    Texas Ratio: Nonperforming Assets divided by sum of Tangible Common Equity plus
Loan Loss Reserve; and
 
    
    NCOs: means Net charge offs.
 See
 Bonus Percentages as Percent of Base Compensation:
 Threshold
    
    CEO
    
    
    Pres/COO
    
    
    CFOLevel
    
    Group 1
    
    
    Group 2
    
    
    Group 3
    
    
    Actual Performance versus Peers1
    
    
    0.0
    %
    
    
    0.0
    %
    
    
    0.0
    %
    
    Below 25th Percentile2
    
    
    10.0
    %
    
    
    9.0
    %
    
    
    8.0
    %
    
    Above 25th percentile3
    
    
    20.0
    %
    
    
    18.0
    %
    
    
    16.0
    %
    
    Above 30th percentile4
    
    
    30.0
    %
    
    
    27.0
    %
    
    
    24.0
    %
    
    Above 35th Percentile5
    
    
    40.0
    %
    
    
    36.0
    %
    
    
    32.0
    %
    
    Above 40th Percentile6
    
    
    50.0
    %
    
    
    45.0
    %
    
    
    40.0
    %
    
    At or Above Median7
    
    
    60.0
    %
    
    
    54.0
    %
    
    
    48.0
    %
    
    Above 55th Percentile8
    
    
    70.0
    %
    
    
    63.0
    %
    
    
    56.0
    %
    
    Above 60th Percentile9
    
    
    80.0
    %
    
    
    72.0
    %
    
    
    64.0
    %
    
    Above 65th Percentile10
    
    
    90.0
    %
    
    
    81.0
    %
    
    
    72.0
    %
    
    Above 70th Percentile11
    
    
    100.0
    %
    
    
    90.0
    %
    
    
    80.0
    %
    
    At or Above 75thPercentile
   2




---



##### 



Weightings for Performance Measures:
 WeightProfitability
    
    40.0%ROAE
    
    
    5.0
    %ROAA
    
    
    25.0
    %Budget Net Income
    
    
    10.0
    %Growth
    
    
    10.0
    %Core Deposit Growth
    
    
    10.0
    %Asset Quality
    
    
    50.0
    %Texas Ratio
    
    
    40.0
    %NCOs/Average Loans
    
    
    10.0
    %Total Weighting
    
    
    100.0
    %
 th
 Bonus Percentage (based)Incentive Plan Weighting
    
    
    
    on Threshold Level achieved
    
    
    
    Base Salary5.0%
    
    X
    
    
    40
    %
    
    X
    
    $382,000

    = $7,640
   3