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Exhibit 10.43
 LEASE




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TABLE OF CONTENTS
 ARTICLE
    
    
    PAGE1.
    
    
    TERM
    
    
    12.
    
    
    RENT AND SECURITY DEPOSIT
    
    
    13.
    
    
    INTENTIONALLY OMITTED
    
    
    24.
    
    
    ADDITIONAL RENT
    
    
    25.
    
    
    USE OF PREMISES; TENANT COVENANTS
    
    
    46.
    
    
    COMMON AREAS
    
    
    57.
    
    
    ALTERATIONS
    
    
    68.
    
    
    REPAIR
    
    
    69.
    
    
    LIENS
    
    
    710.
    
    
    ASSIGNMENT AND SUBLETTING
    
    
    711.
    
    
    INDEMNIFICATION
    
    
    912.
    
    
    INSURANCE
    
    
    913.
    
    
    WAIVER OF SUBROGATION
    
    
    1014.
    
    
    SERVICES AND UTILITIES
    
    
    1015.
    
    
    HOLDING OVER
    
    
    1016.
    
    
    SUBORDINATION
    
    
    1117.
    
    
    REENTRY BY LANDLORD
    
    
    1118.
    
    
    DEFAULT
    
    
    1119.
    
    
    REMEDIES
    
    
    1220.
    
    
    TENANTS BANKRUPTCY OR INSOLVENCY
    
    
    1421.
    
    
    QUIET ENJOYMENT
    
    
    1522.
    
    
    DAMAGE BY FIRE, ETC
    
    
    1523.
    
    
    EMINENT DOMAIN
    
    
    1724.
    
    
    SALE BY LANDLORD
    
    
    1725.
    
    
    ESTOPPEL CERTIFICATES
    
    
    1726.
    
    
    SURRENDER OF PREMISES
    
    
    17




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TABLE OF CONTENTS
(Continued)
 ARTICLE
    
    
    PAGE27.
    
    
    NOTICES
    
    
    1828.
    
    
    TAXES PAYABLE BY TENANT
    
    
    1829.
    
    
    INTENTIONALLY OMITTED
    
    
    1930.
    
    
    INTENTIONALLY OMITTED
    
    
    1931.
    
    
    DEFINED TERMS AND HEADINGS
    
    
    1932.
    
    
    TENANTS AUTHORITY
    
    
    1933.
    
    
    COMMISSIONS
    
    
    1934.
    
    
    TIME AND APPLICABLE LAW
    
    
    1935.
    
    
    SUCCESSORS AND ASSIGNS
    
    
    2036.
    
    
    ENTIRE AGREEMENT
    
    
    2037.
    
    
    EXAMINATION NOT OPTION
    
    
    2038.
    
    
    RECORDATION
    
    
    2039.
    
    
    LIMITATION OF LANDLORDS LIABILITY
    
    
    21EXHIBIT A  PREMISES
    
    
    A-1EXHIBIT B  INITIAL ALTERATIONS
    
    
    B-1EXHIBIT C  RULES AND REGULATIONS
    
    
    C-1EXHIBIT D  PROVISIONS OF DECLARATION
    
    
    D-1




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RETAIL LEASE
 REFERENCE PAGES
 BUILDING:
    
    9650  9698 Franklin Avenue_, Franklin Park,
Illinois (also known as the Retail
Property in that certain Declaration as
defined in Section 4.1.1 hereof)LANDLORD:
    
    Crossings Commercial LLC, an
Illinois limited liability companyLANDLORDS ADDRESS:
    
    4350 DiPaolo CenterGlenview, Illinois 60025LEASE REFERENCE DATE
    
    _________November 9___, 2005_TENANT:
    
    ___Midwest Bank & Trust CompanyTENANTS ADDRESS:(a) As of beginning of Term:
    
    9668 Franklin Avenue, Franklin Park, IL 60131(b) Prior to beginning of Term
(if different):
    
    501 W. North Avenue, Melrose Park, IL 60160PREMISES IDENTIFICATION:
    
    Space Number H_________(for
outline of Premises, see Exhibit A)PREMISES AREA:
    
    approximately
_________ 1897.5 sq. ft.USE:
    
    Banking Facility___TENANTS TRADE NAME:
    
    Midwest Bank & Trust Company___SCHEDULED COMMENCEMENT DATE:
    
    November 15___, 2005_TERMINATION DATE:
    
    _________, ___TERM OF LEASE:
    
    Initial Term- 5 years and 0 months beginning
on the Commencement Date and ending on the
Termination Date (unless sooner terminated
pursuant to the Lease)First Option  One additional Five Year
Period after the Initial TermSecond Option  One Additional Renewal Term
(5 years) per Exhibit EANNUAL RENT (Article 2):
    
    Initial Term  1st Year
$37,944.00; 2nd Year $39,300.00;
3rd Year $40,260.00;
4th Year $41,460.00;
5th Year $42,708.00. In the
event that any of the commercial space is
rented during the initial rent up to others
at a rent of less than $20 annual per square
foot, Tenants rent will be adjusted down to
match that rate.First Option Term  1st Year
escalated 3% from the last year of the
Initial Term; subsequent years each
escalated 3% from the prior years rentAdditional Renewal Term Per Exhibit EINITIAL MONTHLY INSTALLMENT OF
ANNUAL RENT (Article 2):
    
    1st year $3,162.00;
2nd Year $3,275.00;
3rd Year $3,355.00;
4th Year $3,455.00;
5th Year $3,559.00TENANTS PROPORTIONATE SHARE:
    
    ___10.30___%SECURITY DEPOSIT:
    
    $___6,324.00____________ASSIGNMENT/SUBLETTING FEE
    
    $___5,000.00____________REAL ESTATE BROKER DUE COMMISSION:
    
    ___Price and Associates____________
 InitialsCROSSINGS FORM LEASE  NO PERCENTAGE RENTiii




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LANDLORD:
    
    
    
    
    
    TENANT:Crossings Commercial LLC,an Illinois limited liability companyBy:
    
    /s/ Angelo DiPaolo
    
    
    
    By:
    
    /s/ Bruno P. CostaIts: Manager
    
    
    
    Title:
    
    Executive Vice PresidentDated:
    
    December 29, 2005
    
    
    
    Dated:
    
    December 29, 2005




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LEASE
  1. TERM.
    2. RENT AND SECURITY DEPOSIT.
     InitialsCROSSINGS FORM LEASE  NO PERCENTAGE RENT




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3. INTENTIONALLY OMITTED.
 4. ADDITIONAL RENT.
   InitialsCROSSINGS FORM LEASE  NO PERCENTAGE RENT
 2




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InitialsCROSSINGS FORM LEASE  NO PERCENTAGE RENT
 3




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5. USE OF PREMISES; TENANT COVENANTS.
         InitialsCROSSINGS FORM LEASE  NO PERCENTAGE RENT
 4




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6. COMMON AREAS.
  InitialsCROSSINGS FORM LEASE  NO PERCENTAGE RENT
 5




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7. ALTERATIONS.
     8. REPAIR.
  InitialsCROSSINGS FORM LEASE  NO PERCENTAGE RENT
 6




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9. LIENS.
  10. ASSIGNMENT AND SUBLETTING.
   InitialsCROSSINGS FORM LEASE  NO PERCENTAGE RENT
 7




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InitialsCROSSINGS FORM LEASE  NO PERCENTAGE RENT
 8




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11. INDEMNIFICATION.
  12. INSURANCE.
  InitialsCROSSINGS FORM LEASE  NO PERCENTAGE RENT
 9




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13. WAIVER OF SUBROGATION.
  14. SERVICES AND UTILITIES.
  15. HOLDING OVER.
  InitialsCROSSINGS FORM LEASE  NO PERCENTAGE RENT
 10




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16. SUBORDINATION.
  17. REENTRY BY LANDLORD.
  18. DEFAULT.
      InitialsCROSSINGS FORM LEASE  NO PERCENTAGE RENT
 11




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19. REMEDIES.
       InitialsCROSSINGS FORM LEASE  NO PERCENTAGE RENT
 12




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InitialsCROSSINGS FORM LEASE  NO PERCENTAGE RENT
 13




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20. TENANTS BANKRUPTCY OR INSOLVENCY.
  InitialsCROSSINGS FORM LEASE  NO PERCENTAGE RENT
 14




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21. QUIET ENJOYMENT.
  22. DAMAGE BY FIRE, ETC.
  InitialsCROSSINGS FORM LEASE  NO PERCENTAGE RENT
 15




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InitialsCROSSINGS FORM LEASE  NO PERCENTAGE RENT
 16




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23. EMINENT DOMAIN.
  24. SALE BY LANDLORD.
  25. ESTOPPEL CERTIFICATES.
  26. SURRENDER OF PREMISES.
  InitialsCROSSINGS FORM LEASE  NO PERCENTAGE RENT
 17




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27. NOTICES.
  28. TAXES PAYABLE BY TENANT.
  InitialsCROSSINGS FORM LEASE  NO PERCENTAGE RENT
 18




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29. INTENTIONALLY OMITTED.
 30. INTENTIONALLY OMITTED.
 31. DEFINED TERMS AND HEADINGS.
  32. TENANTS AUTHORITY.
  33. COMMISSIONS.
  34. TIME AND APPLICABLE LAW.
  InitialsCROSSINGS FORM LEASE  NO PERCENTAGE RENT
 19




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35. SUCCESSORS AND ASSIGNS.
  36. ENTIRE AGREEMENT.
  37. EXAMINATION NOT OPTION.
  38. RECORDATION.
  (THE NEXT ARTICLE IS ARTICLE 39)
 InitialsCROSSINGS FORM LEASE  NO PERCENTAGE RENT
 20




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39. LIMITATION OF LANDLORDS LIABILITY.
  LANDLORD:
    
    
    
    
    
    TENANT:Crossings Commercial LLC,an Illinois limited liability companyBy:
    
    /s/ Angelo DiPaolo
    
    
    
    By:
    
    /s/ Bruno P. CostaIts: Manager
    
    
    
    Title:
    
    Executive Vice PresidentDated:
    
    December 29, 2005
    
    
    
    
    
    Dated: December 29, 2005
 InitialsCROSSINGS FORM LEASE  NO PERCENTAGE RENT
 21




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EXHIBIT A
 attached to and made a part of Lease bearing the
Lease Reference Date of _____November 9, 2005__ between
Crossings Commercial LLC, an Illinois limited liability company, as Landlord and
Midwest Bank and Trust Company, as Tenant
 for exhibit A, attach copy of building floor plan with space H shown
 InitialsCROSSINGS FORM LEASE  NO PERCENTAGE RENT
 A-1




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EXHIBIT B
 attached to and made a part of Lease bearing the
Lease Reference Date of ___November 9, 2005__ between
Crossings Commercial LLC, an Illinois limited liability company, as Landlord and
Midwest Bank and Trust Company, as Tenant
 for exhibit B, attach copy of Landlords Share of Work document created by contractor Cesario Builders and
indicating Landlord to pay $52,064.00 as its portion of build out
 InitialsCROSSINGS FORM LEASE  NO PERCENTAGE RENT
 B-1




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EXHIBIT C
 attached to and made a part of Lease bearing the
Lease Reference Date of ___November 9, 2005__ between
Crossings Commercial LLC, an Illinois limited liability company, as Landlord and
Midwest Bank and Trust Company, as Tenant
 RULES AND REGULATIONS
       InitialsCROSSINGS FORM LEASE  NO PERCENTAGE RENT
 C-1




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InitialsCROSSINGS FORM LEASE  NO PERCENTAGE RENT
 C-2




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EXHIBIT D
 attached to and made a part of Lease bearing the
Lease Reference Date of ______November 9, 2005__ between
Crossings Commercial LLC, an Illinois limited liability company, as Landlord and
Midwest Bank and Trust Company, as Tenant
 PROVISIONS OF DECLARATION
     InitialsCROSSINGS FORM LEASE  NO PERCENTAGE RENT
 D-1




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InitialsCROSSINGS FORM LEASE  NO PERCENTAGE RENT
 D-2




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Exhibit E
 attached to and made a part of Lease bearing the
Lease Reference Date of ____November 9, 2005__ between
Crossings Commercial LLC, an Illinois limited liability company, as Landlord and
Midwest Bank and Trust Company, as Tenant
 ADDITIONAL RENEWAL AT FAIR MARKET RENT
 (a)
    
    Renewal.Tenant shall have an option (the Additional Renewal Option) to extend the term of
this lease for an additional renewal term of five years (the Additional Renewal Term), by
giving Owner notice thereof not more than 1 year, but at least 4 months, prior to, the date
set forth above for the expiration of the term of this lease (with time to be of the essence
as to the timely exercise of such Additional Renewal Option). If Tenant shall exercise the
Additional Renewal Option, then this lease shall be extended for the Additional Renewal Term
upon all of the terms, covenants, and conditions contained in this lease, except that, during
the Additional Renewal Term the fixed annual rent shall be 100% of the annual market rental
value (the Market Value Rent) of the demised premises on the date that Tenant exercises the
Additional Renewal Option (the Exercise Date), determined as provided in Section (b) below.
 (b)
    
    Arbitration.The term Market Value Rent shall mean the annual fixed rent that a willing
lessee would pay and a willing lessor would accept in an arms-length lease of the demised
premises as of the Exercise Date. If Owner and Tenant shall fail to agree upon the Market
Value Rent within (60) days after the Exercise Date, then Owner and Tenant each shall give
notice (the Determination Notice) to the other setting forth their respective determinations
of the Market Value Rent, and, subject to the provisions of Section (c) below, either party
may apply to the American Arbitration Association or any successor thereto for the designation
of an arbitrator satisfactory to both parties to render a final determination of the Market
Value Rent. The arbitrator shall be a real estate appraiser or consultant who shall have at
least (15) years continuous experience in the business of appraising. The arbitrator shall
conduct such hearings and investigations as the arbitrator shall deem appropriate and shall,
within thirty (30) days after having been appointed, choose one of the determinations set
forth in either Owners or Tenants Determination Notice, and that choice by the arbitrator
shall be binding upon Owner and Tenant. Each party shall pay its own counsel fees and
expenses, if any, in connection with any arbitration under this Section (b), and the parties
shall share equally all other expenses and fees of any such arbitration. The determination
rendered in accordance with the provisions of this Section (b) shall be final and binding in
fixing the Market Value Rent. The arbitrator shall not have the power to add to, modify, or
change any of the provisions of this lease.
 (c)
    
    Arbitration cancelled.In the event that the determination of the Market Value Rent set forth
in the Owners and Tenants Determination Notices shall differ by less than 5% per rentable
square foot per annum for each year during the Additional Renewal Term, then the Market Value
Rent shall not be determined by arbitration, but shall instead be set by taking the average of
the determinations set forth in
 InitialsCROSSINGS FORM LEASE  NO PERCENTAGE RENT
 D-3




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Owners and Tenants Determination Notices. Only if the determinations set forth in Owners
and Tenants Determination Notices shall differ by more than 5% per rentable square foot per
annum for any year during the Additional Renewal Term shall the actual determination of
Market Value Rent be made by an arbitrator as set forth in Section (b) above.
 (d)
    
    Late determination.If for any reason the Market Value Rent shall not have been determined
prior to the commencement of the Additional Renewal Term, then, until the Market Value Rent
and, accordingly, the fixed annual rent, shall not have been finally determined, the fixed
annual rent shall remain the same as payable during the last year of the initial term of the
lease. Upon final determination of the Market Value Rent, an appropriate adjustment to the
fixed annual rent shall be made reflecting such final determination, and Owner or Tenant, as
the case may be, shall promptly refund or pay to the other any overpayment of deficiency, as
the case may be, in the payment of fixed annual rent from the commencement of the Additional
Renewal Term to the date of such final determination.
 InitialsCROSSINGS FORM LEASE  NO PERCENTAGE RENT
 D-4