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                                                                    EXHIBIT 10.8

COMMERCIAL LEASE

This lease is made between Reiff Enterprises of 1901 West Business 30, Columbia
City, IN 46725, herein called Lessor, and Tower Bank & Trust Company of 116 East
Berry Street, Fort Wayne, IN 46802, herein called Lessee.

Lessee hereby offers to lease from Lessor the premises situated in the city of
Columbia City, County of Whitley, State of Indiana, described as Northwest
Center, Unit B, see attachments A, B, and C, upon the following TERMS and
CONDITIONS:

1.   Term and Rent. Lessor demises the above premises for a term of two years
     commencing on or about November 1 1999, and terminating on or about
     November 1, 2001, or sooner as provided herein at the annual rental of
     $8,352.00 (Eight thousand, three hundred fifty-two dollars) payable in
     equal installments of $696.00 (Six hundred ninety-six dollars) in advance
     on the first day of each month for that month's rental, during the term of
     this lease. All rental payments shall be made to Lessor, at the address
     specified above.

2.   Use. Lessee shall use and occupy the premises for office space. The
     premises shall be used for no other purpose. Lessor represents that the
     premises may lawfully be used for such purpose.

3.   Building Specifications and Design. As built.

4.   Care and Maintenance of Premises. Lessor is to provide to the Lessee an
     office space in the Northwest Center, Unit B, see attachments A, B, and C.
     The entire building will maintain a smoke free environment.
            Lessor would provide and pay for the following:
                 -Building insurance.
                 -Maintenance of the building.
                 -Maintenance of the HVAC and plumbing system.
            Lessee would provide and pay for the following:
                 -Damage to the doors and glass of the unit caused by break-ins.
                 -Damage to the building or property caused by the employees or
                 customers of Lessee.
                 -The cost of a janitorial service for unit.
                 -A janitorial service will be selected by the Lessor to
                 maintain the commons area and sidewalks. The cost of this
                 service would be shared by the Lessees' of the building based
                 on the percentage of floor space rented by the Lessee. The
                 billing of this service would be billed to the Lessor and the
                 Lessor would bill each Lessee for their share on a monthly
                 basis.
                 -The utilities for the commons area will be shared on the same
                 basis as the janitorial work. This would consist of gas,
                 electric, and water bills.
                 -A pad is provided for a Dumpster and the bill will be shared
                 on the same basis as the janitorial bill.
                 -The Lessee is to assist in keeping the building clean.
                 -Lessees occupying the building at that particular time will
                 share snow removal cost.
                 -The Lessee is to assist in keeping the landscape and green
                 areas clean of debris.
            Use of the commons area:
                 -The units will share men and women's handicap accessible
                 restrooms.
                 -Locksets will be installed to keep all units inaccessible
                 except for the employees of that individual unit.
                 -Restroom supplies and restroom cleaning will be by a
                 janitorial service.

5.   Alterations. Lessee shall not, without first obtaining the written consent
     of Lessor make any alterations, additions, or improvements, in, to, or
     about the premises.

6.   Ordinances and Statutes. Lessee shall comply with all statutes, ordinances,
     and requirements of all municipal, state and federal authorities now in
     force, or which may hereafter be in force, pertaining to the premises,
     occasioned by or affecting the use thereof by the Lessee.

7.   Assignments and Subletting. Lessee shall not assign this lease or sublet
     any portion of the premises without prior written consent of the Lessor,
     which shall not be unreasonably withheld. Any such assignment or subletting
     without consent shall be void and, at the option of the Lessor, may
     terminate this lease.

7.   Utilities. A separate electric meter is in place for each unit. The
     electric meter cost will be paid by the Lessee. The Lessee would be
     responsible for the cost of gas and electric bills for Unit B as well as
     the share of the gas, water, and electric bills for the commons area.

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9.   Entry and Inspection. Lessee shall permit Lessor or Lessor's agents to
     enter upon the premises at reasonable times and upon Reasonable notice, for
     the purpose of inspecting the same, and will permit Lessor at any time
     within (60) days prior to the expiration of this lease, to place upon the
     premises any usual "To Let" or "For Lease" signs, and permit persons
     desiring to lease the same to inspect the premises thereafter.

10.  Possession. If Lessor is unable to deliver possession of the premises at
     the commencement hereof, Lessor shall not be liable for any damage caused
     thereby, nor shall this lease be void or voidable, but Lessee shall not be
     liable for any rent until possession is delivered.

11.  Indemnification of Lessor. Lessor shall not be liable for any damage or
     injury to Lessee, or any other person, or to any property, occurring on the
     demised premises or any part thereof, and Lessee agrees to hold Lessor
     harmless from any claims for damages, no matter how caused.

12.  Insurance. Lessee, at his expense, shall maintain plate glass and public
     liability insurance including bodily injury and property damage insuring
     Lessee and Lessor with minimum coverage as follows:

            Dual limits each occurrence $300,000.00 (three hundred thousand
            dollars) and aggregate $600,000.00 (six hundred thousand dollars).
            Lessee shall provide Lessor with a Certificate of Insurance showing
            Lessor as additional insured. The Certificate shall provide for a
            ten-day written notice to Lessor in the event of cancellation or
            material change of coverage. To the maximum extent permitted by
            insurance policies, which may be owned by Lessor or Lessee, Lessee
            and Lessor, for the benefit of each other, waive any and all rights
            of subrogation, which might otherwise exist. Lessor does not provide
            Content Insurance for Lessee equipment, supplies, or customers
            property.

13.  Eminent Domain. If the premises or any part thereof or any estate therein,
     or any other part of the building materially affecting Lessee's use of the
     premises, shall be taken by eminent domain, this lease shall terminate on
     the date when title vests pursuant to such taking. The rent, and any
     additional rent, shall be apportioned as of the termination date, and any
     rent paid for any period beyond that date shall be repaid to Lessee. Lessee
     shall not be entitled to any part of the award for such taking or any
     payment in lieu thereof, but Lessee may file a claim for any taking of
     fixtures and improvements owned by Lessee, and for moving expenses.

14.  Destruction of Premises. In the event of partial destruction of the
     premises during the term hereof, from any cause, Lessor shall forthwith
     repair the same, provided that such repairs can be made within sixty (60)
     days under existing governmental laws and regulations, but such partial
     destruction shall not terminate this lease, except that Lessee shall be
     entitled to a proportionate reduction of rent while such repairs are being
     made, based upon the extent to which the making of such repairs shall
     interfere with the business of Lessee on the premises. If such repairs
     cannot be made within said sixty (60) days, Lessor, at his option, may make
     the same within a reasonable time, this lease continuing in effect with the
     rent proportionately abated as aforesaid, and in the event that Lessor
     shall not elect to make such repairs which cannot be made within sixty (60)
     days, this lease may be terminated at the option of either party. In the
     event that the building in which the demised premises may be situated is
     destroyed to an extent of not less than one-third of the replacement costs
     thereof, Lessor may elect to terminate this lease whether the demised
     premises be injured or not. A total destruction of the building in which
     the premises may be situated shall terminate this lease.

15.  Lessor's Remedies on Default. If Lessee defaults in the payment of rent, or
     any additional rent, or defaults in the performance of any of the other
     covenants or conditions hereof, Lessor may give Lessee notice of such
     default and if Lessee does not cure any such default with 10 days, after
     the giving of such notice (or if such other default is of such nature that
     it cannot be completely cured within such period, if Lessee does not
     commence such default), then Lessor may terminate this lease on not less
     than 30 days notice to Lessee. On the date specified in such notice the
     term of this lease shall terminate, and Lessee shall then quit and
     surrender the premises to Lessor, but Lessee shall remain liable as
     hereinafter provided. If this lease shall have been so terminated by
     Lessor, Lessor may at any time thereafter resume possession of the premises
     by any lawful means and remove Lessee or other occupants and their effects.
     No failure to enforce any term shall be deemed a waiver.

16.  Security Deposit. Lessee shall deposit with Lessor on the first day of
     occupancy the sum of $0.00 (Zero dollars) as security for the performance
     of Lessee's obligations under this lease, including without limitation the
     surrender of possession of the premises to Lessor as herein provided. If
     Lessor applies any part of the deposit to cure any default of Lessee,
     Lessee shall on demand deposit with Lessor the amount so applied so that
     Lessor shall have the full deposit on hand at all times during the term of
     this lease.

17.  Attorney's Fees. In case suit should be brought for recovery of the
     premises, or for any sum due hereunder, or because of any act which may
     arise out of the possession of the premises, by either party, the
     prevailing party shall be entitled to all costs incurred in connection with
     such action, including a reasonable attorney's fee.


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18.  Waiver. No failure of Lessor to enforce any term hereof shall be deemed to
     be a waiver.

19.  Notices. Any notice, which either party may or is required to give, shall
     be given by mailing the same, postage prepaid, to Lessee at the premises,
     or Lessor at the address specified above, or at such other places as may be
     designated by the parties from time to time.

20.  Heirs, Assigns, Successors. This lease is binding upon and inures to the
     benefit of the heirs, assigns and successors in interest to the parties.

21.  Option to Renew. Provided that Lessee is not in default in the performance
     of this lease, Lessee shall have the option to renew the lease for an
     additional term of 36 months commencing at the expiration of the initial
     lease term. All of the terms and conditions of the lease shall apply during
     the renewal term except that the monthly rent shall be negotiated 60 days
     before this lease expires. The option shall be exercised by written notice
     given to Lessor not less than 60 days prior to the expiration of the
     initial lease term. If notice is not given in the manner provided herein
     within the time specified, this option shall expire.

22.  Subordination. This lease is and shall be subordinated to all existing and
     future liens and encumbrances against the property.

23.  Entire Agreement. The foregoing constitutes the entire agreement between
     the parties and may be modified only by a writing signed by both parties.
     The following Exhibits, if any have been made a part of this lease before
     the parties' execution hereof.


Signed this 1st day of November, 1999

By Lessee:  /S/ Curtis A. Brown (Chief Operating Officer) d/b/a/ Tower Bank &
                Trust Company

By Lessor:  /S/ Jerry Reiff (Owner) Reiff Enterprises