<PAGE>
                                                                    Exhibit 10.i


                                 LEASE AGREEMENT


      THIS LEASE AGREEMENT (herein called LEASE) made by and between GREAT LAKES
BANK, An Ohio Corporation, herein "LESSEE" and MADISON/ROUTE 20, LLC, an Ohio
General Partnership, herein "LESSOR"

                               WITNESS AS FOLLOWS:


ARTICLE I. Definitions. As used herein, the words capitalized in this Article
and LEASE shall have the meaning of identity or represent the amount set forth
after each word:

A.    LESSOR  (name) MADISON/ROUTE 20, LLC
           (address) c/o 1110 Euclid Avenue, Suite 300
                     Cleveland, Ohio 44115-1603

B.    LESSEE: (name) GREAT LAKES BANK
                     7001 Center Street
                     Mentor, Ohio 44060


C.    PREMISES: That portion of the Office Building located on Sublot 9 in the
      Grist Mill Subdivision, Concord, Ohio which is shown on EXHIBIT "A"
      attached hereto and incorporated herein by reference.

            (ii)  Unit No. _______, Square Footage 2,875

            (iii) LESSEE'S SHARE: 50%

D.    ORIGINAL TERM: Ten (10) Years

            (i)   COMMENCEMENT DATE: Delivery of actual and exclusive possession
                  of the PREMISES to LESSEE following completion of build-out by
                  LESSOR as described in EXHIBIT "B" hereto (approximately May
                  1, 2001)

            (ii)  EXPIRATION DATE: Tenth Anniversary of the first day of the
                  month in which the RENT COMMENCEMENT DATE occurs.

E.    RENT COMMENCEMENT DATE: Same as COMMENCEMENT DATE

F.    FIXED RENT: $20.00 per square foot per year for the first five years of
      the ORIGINAL TERM, and $22.50 per square foot for the second five years of
      the ORIGINAL TERM, or $4,791.67 per month during the first five years of
      the ORIGINAL TERM, and $5,390.63 per month during the second five years of
      the ORIGINAL TERM.


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<PAGE>

G.    OPERATING CHARGES (initial) $7187.50 per annum $598.96 per month (LESSEE'S
      SHARE)

H.    (i)  SECURITY DEPOSIT: NONE

      (ii) ADVANCE DEPOSIT: NONE

I.    SUBSTANTIAL COMPLETION: SUBSTANTIAL COMPLETION shall mean the date on
      which LESSOR substantially completes construction of the PREMISES in
      accordance with the provisions of ARTICLE II(a) hereof and EXHIBIT "B"
      hereto. LESSOR shall give written notice to LESSEE when SUBSTANTIAL
      COMPLETION is achieved.

J.    USE: Commercial bank branch and activities customarily incidental thereto.

K.    OFFICE BUILDING: OFFICE BUILDING is the building and improvements
      (including the PREMISES and COMMON AREAS) (to be hereafter constructed by
      LANDLORD) on the PREMISES as depicted on in EXHIBIT "A" hereto.

L.    COMMON AREAS: The parking (customers and employees) and service areas,
      driveways and service roads, sidewalks and walkways, landscaped areas,
      maintenance, meter and storage areas, utility lines and sewers, OFFICE
      BUILDING identification signs and other similar facilities common for all
      lessees of the OFFICE BUILDING and constituting a part of the OFFICE
      BUILDING, which LESSOR may, from time to time, expand, contract, or
      modify.

M.    LESSEE'S SHARE: The percentage computed from the fraction, the numerator
      of which is the number of square feet on the PREMISES and the denominator
      of which is the total rentable square feet of all buildings in the OFFICE
      BUILDING. "Square feet in the PREMISES" AND "rentable square feet", as
      used herein for purposes of determining LESSEE'S SHARE solely, shall be
      deemed to exclude therefrom (where applicable) (i) non-sales mezzanine
      areas, (ii) common areas, (iii) maintenance, meter and storage areas, and
      (iv) areas used for LESSEE'S trash receptacles. Adjustments for additions
      or deletions of rentable square feet shall be made annually as of the
      first of the following year for the ensuing year (not retroactive). LESSOR
      and LESSEE acknowledge that LESSEE'S SHARE as of the date hereof is as set
      forth in Article 1.

N.    TERM. The ORIGINAL TERM and any extension or renewal, unless otherwise
      specified, but subject to termination as provided herein. The ORIGINAL
      TERM shall include, in addition to the period of time set forth in Article
      1(D) hereof, the period of time from the COMMENCEMENT DATE to the last day
      of the month in which the RENT COMMENCEMENT DATE occurs, in the event the
      COMMENCEMENT DATE and RENT COMMENCEMENT DATE do not coincide.



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<PAGE>


O.    LEASE YEAR: The first LEASE YEAR shall commence on the RENT COMMENCEMENT
      DATE and end on the last day of the month in which the first anniversary
      of the RENT COMMENCEMENT DATE occurs. Thereafter a LEASE YEAR shall
      consist of twelve (12) consecutive full calendar months commencing on the
      day following the close of the prior LEASE YEAR. The twelve (12) months
      constituting a LEASE YEAR may be changed with LESSOR'S prior consent,
      which consent shall not be unreasonably withheld.

P.    AFFILIATE: The family members of an individual, if the LESSEE is an
      individual; the individual partners, (general and/or limited) and/or their
      family members, if the LESSEE is a partnership; and any parent,
      subsidiary, brother/sister corporation of LESSEE or corporations under
      common control with LESSEE, and/or the principal shareholders of LESSEE,
      if LESSEE is a corporation (including, specifically, the parties who sign
      this LEASE on behalf of the corporation or partnership, if the LESSEE is a
      corporation or partnership).

Q.    LESSEE'S CHATTELS. Any and all stock-in trade, floor and wall coverings,
      trade fixtures, furniture, furnishings, ceiling-hung light fixtures and
      other adornments, special equipment and personal property of LESSEE within
      the PREMISES.

R.    ARTICLE HEADINGS: The ARTICLE headings and the page numbers indicated are
      for information index purposes solely.

ARTICLE 2. Grant of Lease.

(a)   LESSOR does lease and let unto LESSEE and LESSEE does lease and take from
      LESSOR the PREMISES for the TERM upon the agreements, conditions and
      covenants hereof. LESSOR shall construct the PREMISES at LESSOR'S sole
      cost and expense to the extent of the description of LESSOR'S WORK set
      forth on EXHIBIT "B" hereto. The fixturing and equipping of the PREMISES,
      including the costs associated with any "Drive-Thru" or "Auto-Teller"
      facility shall be borne by LESSEE.

(b)   The use and occupation of the PREMISES by LESSEE shall include (i) the use
      by LESSEE (or LESSEE'S contractor) of the area designated by LESSOR for
      LESSEE'S trash receptacle, and (ii) the non-exclusive use by LESSEE, its
      agents, customers, employees and invitees, in common with others entitled
      thereto, of the COMMON AREAS.

(c)   LESSOR from time to time may make additions, alterations and/or
      modifications to the OFFICE BUILDING so long as the same do not
      significantly obstruct the public's view of the PREMISES, significantly
      hamper the public's access to the PREMISES, nor significantly interfere
      with the intended use of the COMMON AREAS.

(d)   Notwithstanding the dimensions of the PREMISES being calculated from
      exterior faces of exterior walls and the center lines of interior walls,
      LESSOR may use and shall control the surfaces of the exterior walls
      (excluding storefronts) and the interior


                                        3


<PAGE>

      walls between surfaces for utility lines or other purposes in connection
      with the operation of the OFFICE BUILDING.

ARTICLE 3. Use. The PREMISES shall be used for the USE and for no other purpose.

ARTICLE 4. Operation of Business.

(a)   LESSEE shall operate all of the PREMISES for the USE in keeping with good
      commercial banking practice and during regular business hours typical of
      other commercial banks in the Northeast Ohio area.

(b)   Neither LESSEE nor any AFFILIATE shall, directly or indirectly, engage in
      the same, similar or competing business as the, USE within one (1) mile of
      the OFFICE BUILDING (determined by straight line measurement from the
      perimeter of the OFFICE BUILDING.)

ARTICLE 5. Term.

(a)   The ORIGINAL TERM of this LEASE shall commence on the COMMENCEMENT DATE
      and end on the EXPIRATION DATE.

(b)   LESSOR shall deliver to LESSEE and LESSEE shall accept from LESSOR
      possession of the PREMISES upon the COMMENCEMENT DATE in "as is-where is"
      physical condition.

(c)   The taking of possession of the PREMISES by LESSEE shall be conclusive
      evidence as against LESSEE that the PREMISES were in good and satisfactory
      condition at the time such possession was so taken and that LESSOR has
      performed all conditions, if any, by it to be performed prior to such
      taking of possession.

ARTICLE 6. Fixed Rent

(a)   LESSEE shall pay to LESSOR the FIXED RENT in monthly installments on the
      first day of each and every calendar month in advance commencing upon the
      RENT COMMENCEMENT DATE and continuing during the balance of the TERM.

(b)   If the FIXED RENT and other charges (other than PERCENTAGE RENT) are not
      payable for a full month, then the same shall be prorated on a per diem
      basis unit the applicable annual amount divided by 365 multiplied times
      the number of days for which the FIXED RENT and other charges are payable.

(c)   In the event that LESSEE occupies the PREMISES prior to the COMMENCEMENT
      DATE, FIXED RENT and other charges due hereunder shall be payable with
      respect to the period of such occupancy.

ARTICLE 7. Operating Charges.

(a)   OPERATING CHARGES as used herein shall further be defined as the total of
      (i) the cost to LESSOR of complying with LESSOR'S obligations under
      Article 21(a), (b), and (c) hereof (entitled COMMON AREAS Maintenance,
      Operation, Insurance and


                                        4


<PAGE>


      Taxes by LESSOR) plus (ii) an administration charge equal to fifteen
      percent (15%) thereof.

      Any increase in the costs otherwise includable in OPERATING CHARGES which
      are directly attributable to a OFFICE BUILDING tenant's wilful action or
      negligence, change of use in a unit within OFFICE BUILDING or alterations,
      additions and/or improvements to a unit within OFFICE BUILDING shall be
      excluded from OPERATING CHARGES computations.

(b)   LESSEE shall pay to LESSOR LESSEE'S SHARE of annual OPERATING CHARGES in
      monthly installments in advance on the first day of each and every
      calendar month commencing upon the RENT COMMENCEMENT DATE and continuing
      during the balance of TERM. The initial LESSEE'S SHARE of OPERATING
      CHARGES shall be as set forth in Article 1 (G) hereof. LESSOR may, from
      time to time, increase the amount of LESSEE'S SHARE of OPERATING CHARGES
      in the event that the estimated amount charged by LESSOR is less than
      LESSEE'S proportionate share of actual OPERATING CHARGES.

(c)   For the LEASE YEAR in which the LEASE terminates, LESSEE'S SHARE of
      OPERATING CHARGES shall be determined and adjusted to the date of lease
      termination as soon thereafter as possible with any amounts prepaid
      refunded and any deficiencies paid within fifteen (15) days thereafter.

ARTICLE 8. Utilities.

(a)   LESSEE shall pay all charges for all utilities, including, without
      limitation, electricity, gas, water and sewage, used or consumed in or
      chargeable to the PREMISES directly.

(b)  In no event shall LESSOR be liable for any interruption in or failure of
     the supply of such utilities to the PREMISES unless due to LESSOR'S
     negligence not shall any interruption therein or failure thereof entitle
     LESSEE to any rent abatement.

ARTICLE 9. Signs.

(a)   Within thirty (30) days after the RENT COMMENCEMENT DATE, LESSEE shall
      install signs above the canopy on the exterior of the PREMISES approved by
      LESSOR and in accordance with LESSOR's current sign criteria. LESSOR
      reserves the right in LESSOR'S sole discretion, to allow non-complying
      signs. In the event that LESSOR obtains approval for any free-standing
      monument or pylon sign for the OFFICE BUILDING, LESSEE shall have the
      right to a proportionate share of any such approved sign in accordance
      with a percentage equal to LESSEE'S SHARE.

(b)   LESSEE shall not install, erect or maintain or permit the installation,
      erection, or maintaining of any sign or signs of any kind whatsoever on
      the exterior of the PREMISES or intended to be visible from the exterior
      of the PREMISES except in accordance with LESSOR'S SIGN CRITERIA. Any
      breach of this subparagraph shall entitle LESSOR to the right of self-help
      (that is, removal of unapproved signs) after fifteen (15) days notice to
      LESSEE.



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<PAGE>


(c)   As to any and all such approved signs, LESSEE shall, at LESSEE'S own cost,
      comply with all municipal and governmental codes, ordinances, regulations
      and rules, both present and future, applicable thereto.

ARTICLE 10. Lessee's Chattels Taxes. LESSEE shall pay all municipal, county,
state and/or federal taxes levied or assessed against LESSEE'S CHATTELS.

ARTICLE 11. Rent Taxes. Should any governmental taxing authority acting under
any present or future law, ordinance or regulation, assess, impose or levy any
assessment or tax (other than an income or franchise tax) upon or against the
rents and other charges payable by LESSEE to LESSOR hereunder, LESSEE shall be
responsible for and pay such assessment or tax or shall reimburse LESSOR
therefor, as the case may be.

ARTICLE 12. Rent Payment and Demand.

(a)   All payments of rent and other charges payable to LESSOR shall be paid in
      current United States funds at LESSOR'S address or such other place as
      LESSOR may from time to time designate without any deduction or setoff
      whatsoever (except as otherwise specifically provided in this LEASE) and
      without any prior demand.

(b)   Every demand for rents and other charges due, wherever and whenever made,
      shall have the same effect as if made at the time it falls due and at the
      place of payment, and, after the service of any notice or commencement of
      any suit or final judgment therein, LESSOR may receive and collect any
      rents and other charge due, and such collection or receipt shall not
      operate as a waiver of nor affect such notice, suit or judgment. Any rents
      and other charges not paid by LESSEE within ten (10) days of the due date
      shall bear interest from the due date to the date of payment at the rate
      of one and one-half percent (1.5%) per month.

(c)   Rents and other charges may be rounded to the nearest dollar i.e., if 50
      cents or more to the next higher dollar and if less than 50 cents to the
      next lower dollar. (For example, 101.39 would be 101.00 and 202.50 would
      be 203.00.)

ARTICLE 13. Care, Use and Occupancy of Premises.

(a)   LESSEE shall use and occupy the PREMISES in a careful, safe and proper
      manner and shall keep the PREMISES in a clean, safe and healthy condition
      and in accordance with all applicable governmental authorities and
      insurance requirements and all laws and ordinances now or hereafter in
      force. Included within the foregoing shall be LESSEE'S obligation to
      maintain the area designated by LESSOR for LESSEE'S trash receptacles in a
      clean, safe and healthy condition and in compliance with all applicable
      laws, including enclosure of such area by LESSEE if required by law. In
      addition, LESSEE shall maintain a legible Street address on the rear door
      in accordance with applicable law, ordinances and/or regulations.

(b)   LESSEE shall not:

            (i)   use or allow the PREMISES to be used for auction, fire,
                  bankruptcy, or "lost our lease" sales,



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<PAGE>

            (ii)  permit the PREMISES to be used for any purpose other than as
                  specified herein or for any unlawful purpose or in any way
                  that will injure the reputation of the OFFICE BUILDING,

            (iii) permit the PREMISES to be occupied in whole or in part by any
                  other person except as permitted under LEASE,

            (iv)  commit or suffer to be committed any waste or nuisance in the
                  PREMISES or any act or thing which may disturb the quiet
                  enjoyment of another tenant in the OFFICE BUILDING,

            (v)   permit the accumulation of rubbish in or around the PREMISES.
                  other than in LESSEE'S trash receptacles therefor,

            (vi)  use the sidewalks or permit the usage thereof for other than
                  access to the PREMISES and OFFICE BUILDING, nor

            (vii) misuse or permit the misuse of the COMMON AREAS by LESSEE'S
                  agents, employees, invitees or licensees.

(c)   If required by local law, ordinance, and/or regulations, LESSEE shall
      maintain a key to the rear door of the PREMISES in a fire department lock
      box behind the PREMISES so as to make the PREMISES accessible to the fire
      department in the event of a fire.

ARTICLE 14. Insurance by Lessee.

(a)   LESSEE shall keep in full force and effect a policy of public liability
      and property damage insurance with respect to the PREMISES and the
      business operated by LESSEE therein in which the limits of public
      liability coverage shall be not less than $2,000,000 per occurrence for
      personal injury liability and $100,000 per occurrence for property damage
      liability. If LESSEE'S insurance carrier provides a combined single limit
      for both personal injury and property damage, then the limit shall not be
      less than $2,000,00 per occurrence. Such policy shall include LESSOR as an
      additional insured and shall contain a clause that the insurer will not
      cancel or change the insurance without first giving LESSOR ten (10) days
      prior written notice. The foregoing dollar limits shall be reviewed and
      revised periodically so as to provide adequate insurance in accordance
      with good OFFICE BUILDING practice.

(b)   LESSEE shall keep in full force and effect adequate insurance against fire
      and such other risks as are, from time to time, included in standard
      extended coverage endorsements insuring (i) LESSEE'S CHATTELS located on
      or with the PREMISES, and (ii) alterations, decorations and improvements
      to the PREMISES made by LESSEE (whether or not constituting part of the
      PREMISES).

(c)   LESSEE shall keep in full force and effect a policy of plate glass
      insurance in standard form covering all glass in the PREMISES.

(d)   All of such insurance policies shall be underwritten by insurance
      companies licensed to do business in the State of Ohio. LESSEE shall
      furnish LESSOR with a certificate evidencing such coverages within thirty
      (30) days after written request therefor by LESSOR.


                                        7
<PAGE>

ARTICLE 15. Indemnity by Lessee. Commencing upon the COMMENCEMENT DATE, or, if
earlier, the date upon which LESSEE shall enter possession of the PREMISES and
continuing during the TERM, LESSEE will indemnify LESSOR and save and hold
LESSOR harmless from and against all actions, claims, damages, demands,
expenses, judgments and liabilities in connection with damage, injury or loss to
person or property resulting of occurring or arising wholly or in part by reason
of LESSEE'S use or occupancy of the PREMISES or any part thereof or LESSEE'S
altering, decorating, or improving of the PREMISES or by any act or failure to
act of LESSEE, LESSEE'S agents, contractors, employees or servants, or anyone
claiming by, through, or under LESSEE. If LESSOR shall, without fault on its
part, be made a party to any litigation commenced by or against LESSEE, LESSEE
shall protect and hold LESSOR harmless from and pay all costs, expenses, and
reasonable attorney's fees incurred or paid by LESSOR in connection with such
litigation.

ARTICLE 16. Maintenance.

(a)   LESSEE shall keep and maintain (including applicable replacement when
      necessary) in good condition and repair the interior of the PREMISES,
      including but not limited to:

            (i)   the heating, ventilating and air conditioning system within
                  the PREMISES and any portion thereof not within the PREMISES
                  but serving the PREMISES exclusively, including any gas supply
                  line serving the PREMISES to the point of connection with the
                  Gas Company meter for the PREMISES, wherever located, and to
                  accomplish same, LESSEE shall carry (and pay for) a
                  maintenance service contract with a reputable heating,
                  ventilating and air conditioning contractor, approved in
                  writing by LESSOR,

            (ii)  the electrical system with the PREMISES and any portion
                  thereof not within the PREMISES but serving the PREMISES
                  exclusively, including the electric supply line serving the
                  PREMISES to the main panel within the PREMISES where the
                  electric supply line enters the PREMISES,

            (iii) the plumbing system, both sewage and water lines, within the
                  PREMISES exclusively, including the water line with the
                  PREMISES from the point of entrance of the water supply into
                  the PREMISES, (the water meter shall be maintained by the
                  utility company and/or the LESSOR) and the sewage line within
                  the PREMISES to the point of exit from the PREMISES,

            (iv)  alterations, decorations and improvements (whether or not
                  constituting a part of the PREMISES) made and/or installed by
                  LESSEE,

            (v)   the exterior doors and windows and door and window frames,
                  which for. purposes hereof shall be construed as part of the
                  interior of the PREMISES, and

            (vi)  areas designated by LESSOR for LESSEE'S trash receptacles.



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<PAGE>


      In the event LESSEE fails to maintain the PREMISES as hereinbefore
      provided, LESSOR may (but with no obligation) so do after fifteen (15)
      days notice to LESSEE or immediately in emergency cases. LESSEE shall
      reimburse LESSOR the cost thereof as additional rent with the next
      installment of FIXED RENT.

(b)   LESSOR shall keep and maintain (including applicable replacement when
      necessary) in good condition and repair the exterior of the PREMISES and
      the OFFICE BUILDING (to the extent that the latter is not the
      responsibility of tenants within OFFICE BUILDING), the roofs, gutters and
      downspouts, the foundations and the structural portions of the PREMISES
      and OFFICE BUILDING.

(c)   Notwithstanding the foregoing, each party shall be responsible for all
      repairs pertaining to the interior/exterior and/or other portions of the
      PREMISES/OFFICE BUILDING necessitated by the wilful action or negligence
      of such party or anyone acting for or on behalf of such party, except to
      the extent such repairs are covered by standard fire and extended coverage
      insurance.

ARTICLE 17. Alterations.

(a)   LESSEE shall have the right to make such interior alterations, decorations
      and improvements to the PREMISES not constituting a part of the building
      as may be proper and necessary for the conduct of its business and for the
      beneficial use of the PREMISES, provided the same do not affect the
      exterior or structural portion of the PREMISES and provided further that
      LESSEE shall:

            (i)   pay all costs, expenses and charges thereof,

            (ii)  make the same in accordance with applicable laws and building
                  codes and in a good and workmanlike manner,

            (iii) cause the same to be performed by qualified contractors who
                  shall not create any labor or other disturbance in the OFFICE
                  BUILDING while performing same,

            (iv)  fully and completely indemnify LESSOR against any mechanic's
                  lien or other liens or claims in connection with the taking
                  thereof, and

            (v)   not thereby diminish the value of the PREMISES or OFFICE
                  BUILDING.

(b)   LESSEE may make alterations, decorations and improvements constituting a
      part of the building or affecting the exterior or structural portion of
      the PREMISES with the same provisions as contained in subparagraph (a) (i)
      - (v) but only after (i) obtaining LESSOR'S prior consent thereto, and
      (ii) obtaining LESSOR'S consent to the contractor engaged to perform such
      work, which consent shall not be unreasonably withheld.

      Upon completion of any such alterations, decorations and improvements
      constituting a part of the building or affecting the exterior and/or
      structural portions, the same shall immediately thereupon become a part of
      the PREMISES and be included in the word "PREMISES" as used in this LEASE.



                                        9

<PAGE>

(c)   Notwithstanding the fact that alterations, decorations and/or improvements
      to the PREMISES made by LESSEE may constitute a part of and be included in
      the word PREMISES as used in this LEASE, repair and/or restoration of
      damages thereto caused by fire and/or other casualty shall be the
      responsibility of LESSEE, whether or not covered by insurance by LESSEE,
      unless otherwise covered by LESSOR'S insurance (which shall not be
      considered primary insurance.)

(d)   All of LESSEE'S CHATTELS and all interior alterations, decorations and
      improvements not constituting a part of the building installed in the
      PREMISES by LESSEE shall remain the property of LESSEE and shall be
      removed by LESSEE upon the termination of this LEASE, and LESSEE shall
      make any repairs necessitated by such removal. Any thereof not removed on
      or before the termination of this LEASE and surrender of possession of the
      PREMISES by LESSEE shall be deemed abandoned by LESSEE and, at LESSOR'S
      election, may be treated and/or disposed of by LESSOR as LESSOR'S own
      property without further right or claim thereto by LESSEE, except that
      LESSEE shall reimburse LESSOR for the cost of removal if LESSOR elects to
      have the same removed, and LESSEE shall be liable to LESSOR for any
      damages sustained by LESSOR as a result of LESSEE'S failure to remove
      same.

ARTICLE 18. Surrender of Possession.

(a)   LESSEE shall deliver up and surrender to LESSOR possession of the PREMISES
      upon the termination of this LEASE broom clean and in as good condition
      and repair as the same shall be on the COMMENCEMENT DATE (loss by fire or
      other casualty covered by insurance carried by LESSOR and ordinary wear
      and decay only excepted) and deliver the keys at the office of LESSOR or
      LESSOR'S agent.

(b)   Notwithstanding anything contained herein to the contrary, LESSEE shall
      cause the heating, ventilating and air conditioning system to be placed in
      good working order as of the date of termination of this LEASE and shall
      furnish to LESSOR within three (3) business days thereafter a statement
      from the heating, ventilating and air conditioning contractor providing
      the service contract for such system (pursuant to Article 16 (a)(i))
      hereof) so indicating. Failure to do so shall be deemed authorization to
      LESSOR on behalf of LESSEE to place the heating, ventilating and air
      conditioning system in good working order at LESSEE'S expense payable by
      LESSEE within thirty (30) days after billing therefor.

ARTICLE 19. Sublease/Assignment/Stock Transfer.

(a)   LESSEE shall not (i) sublet the PREMISES or any part thereof, nor (ii)
      assign this LEASE, nor (iii) transfer, or permit the transfer of, by sale,
      assignment, merger, consolidation, operation of law, or otherwise, any
      part or all of the corporate shares of LESSEE to other than an AFFILIATE,
      if LESSEE is a corporation the stock of which is not listed or traded on a
      recognized security exchange or eighty percent (80%) of which is not owned
      by a corporation so listed or traded, so as to result in a change in the
      person or persons owning a majority of said corporate shares on the date
      of execution of this LEASE, without in each case [that is, either (i),
      (ii) or (iii)] the prior consent of LESSOR, which consent shall not be
      unreasonably withheld. Notwithstanding any approved subletting, assignment
      or stock transfer, LESSEE shall remain fully liable under this LEASE and
      shall not be released from performance of LESSEE'S obligations hereunder
      unless specifically released by LESSOR, in



                                       10
<PAGE>


      LESSOR'S sole discretion. LESSOR'S consent to any sublease, assignment or
      transfer as described hereinabove shall not be deemed to be a consent to
      or the waiver of the right to consent to any subsequent sublease,
      assignment or transfer.

(b)   After the ORIGINAL TERM, LESSOR shall have the right, as a condition to
      the granting of LESSOR'S consent as aforesaid, to increase the annual
      FIXED RENT by such amount as LESSOR shall solely determine, not exceeding,
      in any event, the annual CPI INCREASE (from the 13th month prior to the
      proposed effective date of the sublease, assignment or stock transfer to
      the month immediately preceding same.) Any such increase shall be
      effective commencing upon the first day of the month following the
      effective date of the sublease, assignment or stock transfer. LESSOR'S
      exercise of the foregoing right shall not be deemed to be an unreasonable
      withholding of LESSOR'S consent. Notice of such increase shall be included
      with LESSOR'S consent to such sublease, assignment or stock transfer.

(c)   Any request for LESSOR'S consent to a sublease, assignment or transfer as
      hereinabove provided shall be accompanied by the sum of $500.00 for
      LESSOR'S consideration thereof, whether or not LESSOR'S consent is
      thereafter granted or denied.

(d)   In the event LESSEE assigns this LEASE to an entity having a net worth
      equal to or greater than the net worth of LESSEE as of the later of the
      date of execution hereof or the date of assignment and Such entity has had
      banking experience in the operation of a commercial bank for the USE, then
      LESSOR agrees to release LESSEE from liability hereunder arising after the
      date of such assignment within thirty (30) days after receipt of
      verification of the information as required hereunder.

ARTICLE 20. Holding Over. LESSEE shall pay to LESSOR, upon demand by LESSOR, as
liquidated damages, one and one-half times the rents and other charges specified
herein applicable during the last LEASE YEAR of the TERM for any period during
which LESSEE shall hold the. PREMISES after the TERM if this LEASE has expired
by its terms and not by acceleration. Any holding over by LESSEE shall be deemed
on a month-to-month basis, subject in all other respects, except as to term, to
the agreements, conditions and covenants hereof.

ARTICLE 21. Common Areas Maintenance, Operation, Insurance and Taxes by Lessor,
Lessor Shall:

(a)   keep and maintain in good condition and repair (including replacement
      where necessary, with any replacement costs amortized over the useful life
      of such replacements for the purposes of computing OPERATING CHARGES as
      provided in Article 8 hereof) the COMMON AREAS (to the extent the same are
      not the responsibility of LESSEE or any other tenant within OFFICE
      BUILDING) and operate the COMMON AREAS in accordance with reasonable rules
      and regulations uniformly applicable prescribed by LESSOR from time to
      time, including designation of areas and times for deliveries, areas for
      parking by the OFFICE BUILDING tenants and employees, and usage of the
      COMMON AREAS by others from time to time, with or without charge, so doing
      as such usage does not significantly interfere with the use of the COMMON
      AREAS by LESSEE, LESSEE'S agents, customers, employees, and invitees.
      Included within the term "operate" shall be the following: cleaning,
      clearing debris, snow and ice removal, painting of lane markers and
      parking spaces, operation of parking/traffic control signs/devices (both
      on and off site),



                                       11
<PAGE>

      illumination, music, storm drainage; equipment rental expense or
      depreciation and operating charges pertaining thereto; fire protection;
      direct labor costs (excluding supervisory or administrative personnel),
      whether compensation for employees of LESSOR or LESSOR'S managing company
      or independent contractors, together with all employee benefits and
      payroll taxes including Social Security, workers' compensation and
      unemployment compensation; landscaping, including materials and supplies;
      license and/or permit fees, levies, and/or surcharges, personal property
      taxes; police and security; utility charges; utility service line
      maintenance for which connecting tenants are not directly responsible;
      water and sewage administration and maintenance; and such other items as
      are reasonable and necessary for the ongoing operation of the COMMON AREAS
      not specifically included in the foregoing.

(b)   keep in full force and effect:

            (i)   insurance covering the buildings and improvements constituting
                  the PREMISES and OFFICE BUILDING against loss by fire and
                  standard extended coverage in amounts equal to at least
                  replacement value (with no less than eighty percent (80%)
                  co-insurance) and such amount of deductible as LESSOR shall
                  from time to time determine appropriate,

            (ii)  public liability and property damage insurance with respect to
                  the OFFICE BUILDING in which the limit of public liability
                  coverage shall be not less than $2,000,000 per occurrence with
                  respect to personal injury and $100,000 per occurrence with
                  respect to property damage. The foregoing dollar limits shall
                  be reviewed and revised periodically so as to provide adequate
                  insurance in accordance with good OFFICE BUILDING practice,
                  and

            (iii) other insurance, such as rental, boiler, sprinkler, vandalism,
                  and malicious mischief, as LESSOR shall from time to time
                  determine appropriate.

      LESSEE'S payments of OPERATING CHARGES shall in no event create any rights
      in LESSEE in such insurance policies nor shall LESSEE be entitled to the
      benefit of any proceeds payable thereunder. LESSEE shall reimburse LESSOR
      for any increase in the cost of the foregoing insurance coverages caused
      by LESSEE or LESSEE'S change of use of the PREMISES and the same shall be
      excluded from OPERATING CHARGES computation.

(c)   pay all real estate taxes and assessments against the PREMISES and OFFICE
      BUILDING and any costs expended in contesting the amount and/or validity
      thereof. The term "REAL ESTATE TAXES AND ASSESSMENTS" as used herein shall
      be construed to mean the total of all real estate taxes and assessments,
      special or otherwise, assessed upon or with respect to the ownership of
      all or any part of the OFFICE BUILDING imposed by federal, state or local
      governmental authorities or any other taxing authority having
      jurisdiction, by whatever name the tax may be designated. If, due to a
      change in the methods of taxation, any rent, franchise, income, profit or
      other tax, however designated, (herein called OTHER TAX) may be levied
      against or chargeable to LESSOR directly due to LESSOR'S interest in
      OFFICE BUILDING in lieu of any tax which would otherwise constitute REAL
      ESTATE TAXES AND ASSESSMENTS, such OTHER TAXES shall be included in the
      term REAL ESTATE TAXES AND ASSESSMENTS. LESSEE shall reimburse



                                       12
<PAGE>


      LESSOR for any increase in REAL ESTATE TAXES AND ASSESSMENTS which are
      directly due to LESSEE'S alterations, additions and/or improvements to the
      PREMISES made by LESSEE or LESSOR at LESSEE'S request and the same shall
      be excluded from OPERATING CHARGES computations. Any increase in REAL
      ESTATE TAXES AND ASSESSMENTS due to alterations, additions or improvements
      by another tenant in the OFFICE BUILDING shall be excluded from OPERATING
      CHARGES computations.

ARTICLE 22. Access to Premises. LESSOR shall have free access to the PREMISES at
all reasonable times and at any time for emergency purposes for the purpose of
examining the same or to make any alterations or repairs to the PREMISES that
LESSOR may deem necessary for its safety or preservation, or that LESSOR is
required to make, and also during the last three (3) months of the TERM for the
purpose of exhibiting the PREMISES and putting up the usual notice "To Rent",
not to exceed six (6) square feet in area, which notice shall not be removed,
obliterated or hidden by LESSEE.

ARTICLE 23. Non-liability of Lessor. LESSOR and LESSOR'S agents, contractors,
employees, and servants shall not be liable for, and LESSEE hereby releases and
waives any and all claims for, loss or damage to persons or the business or
property of LESSEE or anyone claiming, by, through or under LESSEE, or others
within the OFFICE BUILDING.

(a)   occasioned by reason of

            (i)   any accident or act of God within or around the PREMISES or
                  OFFICE BUILDING.

            (ii)  the condition or construction of the OFFICE BUILDING,
                  including the PREMISES,

            (iii) any defect in or failure of the electrical system, the
                  plumbing and sewer system, and/or heating, ventilating or air
                  conditioning system serving the PREMISES or the building of
                  which the PREMISES are a part, or

            (iv)  water, snow or ice being upon or coming through the roof,
                  trapdoor, walls, windows, doors or otherwise.

      unless in any such case such damage shall be due to the negligence of
      LESSOR, LESSOR'S agents, contractors, employees or servants,

(b)   caused by LESSOR's failure to keep in repair the portion of the PREMISES
      which is the responsibility of LESSOR to maintain, unless notice of the
      need for repairs has been given to LESSOR, a reasonable time has elapsed
      and LESSOR has failed to make such repairs, or

(c)   arising by reason of the failure of LESSEE to comply with the agreements,
      conditions and covenants hereof or the negligence of LESSEE or other
      tenants of the OFFICE BUILDING, LESSEE'S and/or their agents, contractors,
      customers, employees, invitees, licensees, servants and/or suppliers.





                                       13
<PAGE>

ARTICLE 24. Waiver of Subrogation. LESSOR and LESSEE hereby waive all claims,
rights or recovery and causes of action which either has or may have or which
may arise hereafter against the other whether caused by negligence, intentional
misconduct or otherwise, for any damage to the PREMISES or property or business
within or about the PREMISES or the building of which the PREMISES are a part or
the OFFICE BUILDING caused by any of the perils covered by LESSOR'S or LESSEE'S
fire insurance with extended coverage and with vandalism and malicious mischief
endorsements, building and contents and business interruption insurance, or for
which either party may be reimbursed as a result of insurance coverage,
affecting any loss suffered by it, provided, however, that the foregoing waivers
shall apply only to the extent of any recovery, made by the parties hereto under
any policy of insurance now or hereafter issued and provided further that the
foregoing waivers do not invalidate any policy of insurance of the parties
hereto, now or hereafter issued, it being stipulated by the parties hereto that
the waivers shall not apply in any case in which the application thereof would
result in the invalidation of any such policy of insurance. Any additional
premium caused by this waiver of subrogation shall be paid by the party
benefited thereby. The parties acknowledge that the use of "deductibles" may
result in limiting the effectiveness of this waiver of subrogation.

ARTICLE 25. Destruction of Premises.

(a)   (i)   If the PREMISES shall be damaged by fire or other insured casualty,
            (herein called INSURED LOSS) but are not thereby rendered
            untenantable in whole or in part, LESSOR shall, at LESSOR'S own
            expense, cause such damage to be repaired, and the rents and other
            charges shall not be abated.

      (ii)  If, by reason of such INSURED LOSS, the PREMISES shall be rendered
            untenantable only in part, LESSOR shall, at LESSOR'S own expense,
            cause such damage to be repaired and the rents and other charges
            meanwhile shall be equitably abated.

      (iii) If the PREMISES shall be rendered wholly untenantable by reason of
            such INSURED LOSS and such damage could be reasonably repaired
            within six (6) months, this LEASE shall continue and LESSOR shall,
            at LESSOR'S own expense, cause such damage to be repaired, and the
            rents and other charges meanwhile shall abate.

      (iv)  If (A) the PREMISES shall be rendered wholly untenantable by reason
            of such INSURED LOSS and such damage cannot be reasonably repaired
            within six (6) months, or (B) if such INSURED LOSS is during the
            last two (2) years of the TERM to the extent of fifty percent (50%)
            or more of the then value of the PREMISES, then either party may
            terminate this LEASE as of the date of such INSURED LOSS by giving
            notice to the other party within sixty (60) days thereafter of such
            party's election so to do. If neither party terminates this LEASE
            within said sixty (60) day period, this LEASE shall continue in full
            force and effect and LESSOR shall repair the PREMISES as soon as
            reasonably possible and the rents and other charges meanwhile shall
            abate.

      (v)   Nothing herein contained shall alter or affect LESSEE'S obligation
            to repair, replace and/or restore plate glass and/or alterations,
            decorations and improvements made by or for LESSEE to the PREMISES
            whether or not constituting a part of the PREMISES.



                                       14


<PAGE>



      (vi)  Following any restoration as provided in subparagraph (a) (iii) and
            (iv), payments of rents and other charges shall recommence thirty
            (30) days after the date of redelivery of possession of the restored
            PREMISES in tenantable condition to LESSEE or the date the PREMISES
            are reopened for business, whichever is earlier.

(b) In the event that:

      (i)   the building in which the PREMISES are situated shall be materially
            damaged or destroyed by any cause not covered by LESSOR'S insurance
            (herein called UNINSURED LOSS) regardless of the length of time
            necessary to repair and/or restore same, or

      (ii)  50% or more of the building in which the PREMISES are situated shall
            be damaged or destroyed by an INSURED LOSS, but the same cannot
            reasonably be repaired within six (6) months after such INSURED
            LOSS, notwithstanding the fact that the PREMISES may be unaffected
            by either such UNINSURED LOSS or INSURED LOSS,

      LESSOR may terminate this LEASE and the tenancy hereby created by giving
      to LESSEE not less than thirty (30) days nor more than one hundred twenty
      (120) days notice of LESSOR's election so to do, which notice shall be
      given, if at all, within sixty (60) days following such UNINSURED LOSS or
      INSURED LOSS, setting forth in such notice the effective date of such
      termination.

(c)   In the event of the material damage or destruction to the building in
      which the PREMISES are situated, LESSOR reserves the right to change the
      configuration of such building, provided that the PREMISES as situated in
      any such new configuration shall be substantially the same in location,
      dimensions and traffic flow as prior to such damage or destruction.

ARTICLE 26. Eminent Domain.

(a)   If the whole of the PREMISES or COMMON AREAS shall be acquired or
      condemned by eminent domain for any public or quasi-public use or purpose,
      then the TERM shall cease and terminate as of the date possession shall be
      taken by such public authority.

(b)   If any part of the PREMISES shall be acquired or condemned as aforesaid,

            (i)   in the event that such partial taking or condemnation shall
                  render the PREMISES unsuitable for the business of LESSEE,
                  then the TERM shall cease and terminate as of the date
                  possession shall be taken by such public authority, or

            (ii)  in the event that such partial taking or condemnation is not
                  extensive enough to render the remaining PREMISES unsuitable
                  for the business of LESSEE, then LESSOR shall promptly restore
                  the remaining PREMISES to a condition comparable to its
                  condition at the time of such condemnation less the portion
                  lost in the taking, and this LEASE shall continue in full
                  force and effect with respect to the remaining PREMISES and an
                  equitable reduction of rents and other charges shall



                                       15

<PAGE>


                  be made based upon the portion lost in the taking. This LEASE
                  shall be thereupon terminated as to the portion of the
                  PREMISES so taken.

(c)   If less than ten percent (10%) of the COMMON AREAS shall be acquired or
      condemned as aforesaid, there shall be no change in this LEASE or LESSEE'S
      obligations hereunder.

(d)   If more than ten percent (10%) of the COMMON AREAS shall be acquired or
      condemned as aforesaid, and if, as the result thereof, the ratio of square
      feet of COMMON AREAS to ground floor square feet of the sales area of the
      OFFICE BUILDING buildings is reduced to a ratio below four (4) parking
      spaces per 1,000 square feet, then the TERM shall cease and terminate as
      of the date possession shall be taken by such public authority, unless
      LESSOR shall take immediate steps toward increasing the parking ratio t a
      ratio at least equal to four (4) parking spaces per 1,000 square feet, in
      which event, this LEASE shall be unaffected and shall remain in full force
      and effect without any reduction or abatement or rents and other charges.

(e)   In the event of the termination of this LEASE as aforesaid, all rents and
      other charges due hereunder shall be paid to the date of termination and
      any rents and other charges paid in advance shall be refunded.

(f)   In the event of any condemnation or taking as aforesaid, whether whole or
      partial and regardless of the termination of this LEASE as aforesaid,
      LESSEE shall not be entitled to any part of the award paid for such
      condemnation and LESSOR is to receive the full amount of such award,
      LESSEE having hereby assigned to LESSOR any right or claim to any part
      thereof. Although all damages in the event of any condemnation are to
      belong to LESSOR, whether such damages are awarded as compensation for
      diminution in value of the leasehold or to the fee of the PREMISES, LESSEE
      shall have the right to claim and recover from the condemning authority,
      but not from LESSOR, such compensation as may be separately awarded or
      recoverable by LESSEE'S business by reason of

            (i)   on account of any and all damage to LESSEE'S business by
                  reason of the condemnation, and

            (ii)  for or on account of any cost or loss to which LESSEE might be
                  put in removing LESSEE'S CHATTELS and interior alterations,
                  decorations and improvements not constituting a part of the
                  building installed in the PREMISES by LESSEE.

ARTICLE 27. Mortgage Subordination/Estoppel Certificate.

(a)   This LEASE shall, at the option of LESSOR, be subject, subordinate and
      inferior in lien with respect to a first mortgage that may be placed on
      the land and building of which the PREMISES from a part by a Bank, Trust
      Company, Insurance Company, or other lender, and LESSEE will, upon demand
      without cost, execute any instrument necessary to effectuate such
      subordination. If LESSEE, within ten (10) days after submission of such
      instrument, fails to execute same, LESSOR is hereby authorized to execute
      same, as attorney in fact for LESSEE.



                                       16
<PAGE>

(b)   It is a condition, however, to the subordination and lien provision herein
      provided, that LESSOR shall procure from any such mortgagee a
      non-disturbance and attornment agreement in writing in form reasonably
      acceptable to the first mortgage lender, which shall be delivered to
      LESSEE, providing in substance that so long as LESSEE shall faithfully
      discharge the obligations on LESSEE'S part to be kept and performed under
      the terms of this LEASE, LESSEE'S tenancy will not be disturbed nor this
      LEASE affected by any default under such mortgage.

(c)   In the event of such financing or in the event of a sale of the PREMISES
      by LESSOR and a written statement is requested of LESSEE certifying as to
      the status of the LEASE. LESSEE shall provide such certification within
      ten (10) days after request therefor stating therein that this LEASE is in
      full force and effect and that there are no defenses or offsets thereto or
      stating those claimed by LESSEE.

ARTICLE 28. Default.

(a)   If

            (i)   Lessee shall at any time be in default in the payment of rent
                  and/or other charges or in the observance of the performance
                  of any of the agreements, conditions or covenants of this
                  LEASE on LESSEE'S part to be observed and/or performed and
                  LESSEE shall fail to remedy such default within fifteen (15)
                  days after notice thereof from LESSOR in the event the default
                  is as to payment of rent and/or other charges, or within
                  thirty (30) days after notice thereof if the default relates
                  to matters other than the payment of rent and/or other charges
                  (but LESSEE shall not be deemed in default if it commences to
                  remedy said defaults other than relate to payment of rent
                  and/or other charges within said thirty (30) day period and
                  proceeds therewith with due diligence), or

            (ii)  LESSEE shall make an assignment for the benefit of creditors,
                  or

            (iii) a receiver of any property of LESSEE in or upon the PREMISES
                  be appointed in any action, suit or proceeding by or against
                  LESSEE and not removed within forty-five (45) days after
                  appointment, or

            (iv)  the interest of LESSEE in the PREMISES shall be sold under
                  execution or other legal process, or

            (v)   LESSEE shall sublet the PREMISES or any part thereof, assign
                  this LEASE or transfer or permit the transfer by sale,
                  assignment, merger, consolidation, operation of law or
                  otherwise any part or all of the shares of LESSEE, without
                  LESSOR'S written consent, if such consent in any such event is
                  required as provided in Article 21 hereof, or

            (vi)  an audit of LESSEE'S records discloses a deficiency in
                  reported annual GROSS SALES in excess of five percent (5 %) of
                  the annual GROSS SALES actually made by LESSEE during any
                  LEASE YEAR.

      then, in any such event, LESSOR may terminate this LEASE, or, without
      terminating this LEASE, re-enter the PREMISES by summary proceedings or
      otherwise and, in either event, may dispossess LESSEE at LESSEE'S expense.
      LESSOR shall not be



                                       17

<PAGE>



      deemed to have elected to terminate this LEASE unless LESSOR gives LESSEE
      notice of such election to terminate. In the event of such re-entry,
      LESSOR shall relet the PREMISES and apply the rents therefrom first to the
      payment of LESSOR'S expenses incurred by reason of LESSEE'S default and
      the expenses of reletting including reasonable attorney's fees and then to
      the payment of rents and other charges due from LESSEE hereunder. If the
      rents received do not equal the expenses and costs of reletting, LESSEE
      shall remain liable for any deficiencies. If the rents received exceed the
      expenses and costs of reletting, then LESSEE shall have no rights therein
      if LESSOR has elected to terminate this LEASE. Such deficiency, at
      LESSOR'S option, may be calculated and payable by LESSEE monthly.

(b)   In the event either party hereto incurs or pays costs, expenses and/or
      reasonable attorney fees in enforcing the agreements, conditions and
      covenants of the LEASE as a result of the other party's default in
      observance or performance thereof, then the defaulting party shall be
      required to reimburse or pay such costs, expenses and/or frees incurred or
      paid by the non-defaulting party.

ARTICLE 29. Waiver of Jury Trial. It is mutually agreed by and between LESSOR
and LESSEE that the respective parties hereto shall and they hereby do waive
trial by jury in any action, proceeding or counterclaim brought by either of the
parties hereto against the other (except for personal injury or property damage)
on any matters whatsoever arising out of or in any way connected with this
LEASE, the relationship of LESSOR and LESSEE, LESSEE'S use or occupancy of the
PREMISES, and any emergency or other statutory remedy.

ARTICLE 30. Liability of Lessor Limited. In the event of a breach of any
agreement, condition, or covenant hereof on the part of LESSOR to be observed or
performed and, as a result thereof, LESSEE shall obtain a judgment against
LESSOR therefor, such judgment shall be satisfied only out of the proceeds of
sales received upon execution and levy thereon against the right, title and
interest of LESSOR in the PREMISES and the OFFICE BUILDING and neither LESSOR,
whether a corporation, partnership, person, or trust, nor the officers,
directors, or shareholders of LESSOR, if a corporation, nor the partners of
LESSOR if a partnership, nor the trustees or beneficiaries of LESSOR if a trust,
shall be liable therefor except as aforesaid (that is, LESSEE shall look solely
to LESSOR'S interest in and to the real and personal property constituting the
PREMISES and OFFICE BUILDING and not to any other assets or interests of LESSOR
for recovery of any claim hereunder).

ARTICLE 31. Transfer of Title. In the event of a sale, assignment, or transfer
by LESSOR of the PREMISES or its interest in the PREMISES, such LESSOR shall
thereafter have no liability for the agreements, conditions and covenants of
this LEASE on the part of LESSOR to be observed or performed thereafter,
provided that LESSOR'S transferee assumes the obligations of LESSOR accruing
hereunder. thereafter. All such agreements, conditions, and covenants shall,
however, run with the land and shall be binding upon the successors-in-interest
of such LESSOR.

ARTICLE 32. Force Majeure. In the event that either party hereto shall be
delayed or hindered in or prevented from the performance of any act, other than
payment of rents or other charges required hereunder, by reason of strikes,
lockouts, labor trouble, inability to procure materials, failure of power,
restrictive governmental laws or regulations, riots, insurrection, war or other
reason of a like nature not the fault of the party delayed in performing work or
doing acts required under the terms of this LEASE, then performance of such act
shall be excused for the period of the delay and the period for the performance
of



                                       18
<PAGE>


any such act shall be extended for a period equivalent to the period of such
delay, provided that nothing herein shall be deemed to extend the TERM beyond
the EXPIRATION DATE (or earlier termination of this LEASE as hereinbefore
provided.

ARTICLE 33. Notice/Consents.

(a)   Any notice or consent required to be given by or on behalf of either party
      upon the other shall be in writing and shall be given by mailing such
      notice or consent by registered or certified mail addressed:

      (i)   to LESSOR at the address in Article 1.

      (ii)  to LESSEE at the address in Article 1 or at such other addresses as
            may be specified from time to time in writing delivered to the other
            party.

(b)   Notices shall be deemed effective when deposited as certified or
      registered mail in the mail or delivered to a private express carrier
      provided that the same is received or tendered for delivery in the
      ordinary course of business at the address to which the same is sent.

ARTICLE 34 Waiver.

(a)   No waiver of any agreement, condition or covenant shall be valid unless it
      be in writing signed by the party to be charged nor shall the waiver of a
      breach of any agreement, condition, or covenant be claimed or pleaded to
      excuse a future breach of the same agreement, condition or covenant or any
      other agreement, condition, or covenant.

(b)   No waiver by LESSOR in respect to one tenant of the OFFICE BUILDING shall
      constitute a waiver in respect to any other tenant.

(c)   Acceptance by LESSOR of a lesser amount than the amount actually due
      hereunder, whether for rents or other charges, shall not prejudice
      LESSOR'S right to collect the full amount due.

ARTICLE 35. Representations. LESSOR and LESSOR'S agents have made no
representations or promises with respect to the PREMISES or the building or
OFFICE BUILDING of which the same form a part except as herein expressly set
forth.

ARTICLE 36. Entire Agreement. This LEASE and the Exhibits, if any, attached
hereto and forming a part hereof, set forth all the agreements, conditions and
covenants between LESSOR and LESSEE concerning the PREMISES and the OFFICE
BUILDING and there are no agreements, conditions and covenants, either oral or
written, between the, other than are herein set forth. Except as herein
otherwise provided, no subsequent amendment, change, modification or addition to
this LEASE shall be binding upon LESSOR or LESSEE unless in writing and signed
by them.

ARTICLE 37. Quiet Enjoyment. LESSOR hereby covenants and agrees that if LESSEE
shall perform all the agreements, conditions and covenants herein stipulated to
be performed on LESSEE'S part, LESSEE shall at all times during the TERM have
the peaceable and quiet enjoyment and possession of the PREMISES without any
hindrance or interruption from LESSOR or any person or persons lawfully claiming
the PREMISES, subject only to



                                       19

<PAGE>


the agreements, conditions and covenants of this LEASE.

ARTICLE 38. Applicable Laws. This LEASE and the agreements, conditions and
covenants herein set forth shall be construed in accordance with and governed
pursuant to the laws of the State of Ohio.

ARTICLE 39. Benefit of Assigns. This LEASE and all the agreements, conditions,
and covenants herein contained shall inure to the benefit of and be binding upon
the heirs, personal representatives, successors and assigns, respectively, of
the parties hereto, provided however, that no assignment by from, through or
under LESSEE in violation of the provisions hereof shall vest in the assigns any
right, title or interest whatever.

ARTICLE 40. Memorandum of Lease.

(a)   This LEASE shall not be recorded, but a Memorandum of Lease of event ate
      herewith describing the PREMISES, setting forth the TERM and referring to
      this LEASE may be recorded by either party.

(b)   In the event the COMMENCEMENT DATE, RENT COMMENCEMENT DATE or EXPIRATION
      DATE hereof are not dates certain as of the date hereof, the parties shall
      enter into a Supplemental Lease Agreement at such time as the same have
      been determined setting forth therein the actual COMMENCEMENT DATE, RENT
      COMMENCEMENT DATE and EXPIRATION DATE hereof and describing the PREMISES.

ARTICLE 41. Partial Invalidity. If any agreement, condition or covenant of this
LEASE or the application thereof to any person or circumstance shall, to any
extent, be invalid or unenforceable, the remainder of this LEASE, or the
application of such agreement, condition or covenant to persons or circumstances
other than those as to which it is held invalid or unenforceable, shall not be
affected thereby and each agreement, condition or covenant of this LEASE shall
be valid and be enforced to the fullest extent permitted by law.

ARTICLE 42. Use of Terms.

(a)   Wherever the word "LESSOR" or "LESSEE" is used in this LEASE, it shall be
      considered as meaning "LESSORS" or "LESSEES" respectively, wherever the
      context permits or requires, and when the singular and/or neuter pronouns
      are used herein, the same shall be construed as including all persons,
      entities and corporations designated respectively as LESSOR or LESSEE in
      the heading of this instrument wherever the context requires.

(b)   If there be more than one LESSEE, they shall be jointly and severally
      liable hereunder. Notice to either LESSEE, if there be more than one,
      shall be deemed to be adequate and proper notice hereunder and each LESSEE
      authorizes, approves and consents to service of notice upon any one or
      more of the LESSEES.

(c)   The word, LESSOR, as used in this LEASE shall mean, in addition to the
      party identified in Article 1 hereof, any successor-in-interest to such
      party, including a mortgagee-in-possession of the PREMISES.



                                       20
<PAGE>

      IN WITNESS WHEREOF, on the date and at the place first aforesaid, the
parties have set their hands to this LEASE consisting of Pages 1 through 22.


                                           LESSOR:
                                           MADISON/ROUTE 20, LLC
                                           An Ohio Limited Liability Company

/s/ ERIC M. CALABRESE                   By: /s/ STEVEN CALABRESE
------------------------------             ------------------------------
[Signature of Witness]                     ITS: Partner
                                                -------------------------
Eric M. Calabrese
------------------------------
[Printed Name of Witness]


/s/ TERA L. CORLETT
------------------------------
[Signature of Witness]

Tera L. Corlett                     AND BY: /s/ RICHARD H. OSBORNE
------------------------------             ------------------------------
[Printed Name of Witness]                  ITS:
      [as to both]                             -------------------------




                                           LESSEE:
                                           GREAT LAKES BANK

/s/ CHRISTINE HARTOG                    By: /s/ RICHARD T. FLENNER, JR.
------------------------------             ------------------------------
[Signature of Witness]                     ITS: President
                                                -------------------------
Christine Hartog
------------------------------
[Printed Name of Witness]


/s/ LISA LAWRENCE
------------------------------
[Signature of Witness]

Lisa Lawrence                           BY:
------------------------------             ------------------------------
[Printed Name of Witness]                  ITS:
      [as to both]                             -------------------------




STATE OF OHIO        )
                     )   SS.
COUNTY OF __________ )


     BEFORE ME, a Notary Public for and in said County and State, personally
appeared in the above MADISON/ROUTE 20, LLC, an Ohio Liability Company, by
Steven A. Calabrese, its Partner and by                    its
who did acknowledge that they did sign the foregoing instrument for and on
behalf of said limited liability company, and that the same is the free act
and deed of said limited liability company, and the free act and deed of them
personally and as such members.

     IN TESTIMONY WHEREOF, I have hereunto set my hand and official seal at
Cleveland, Ohio, this 15th day of December, 2000.



                                             /s/ TERA L. EDWARDS
                                             -------------------------
                                             Notary Public

        TERA L. EDWARDS, Notary Public
        Medina County, State of Ohio
        Comm. Expires 07/21/02





                                       21
<PAGE>


STATE OF OHIO        )
                     )   SS.
COUNTY OF LAKE       )


     BEFORE ME, a Notary Public for and in said County and State, personally
appeared in the above GREAT LAKES BANK, by Richard T. Flenner, Jr., its
President and by         N/A           its                              who
did acknowledge that they did sign the foregoing instrument for and on behalf
of said company, and that the same is the free act and deed of said company,
and the free act and deed of them personally and as such officers.

     IN TESTIMONY WHEREOF, I have hereunto set my hand and official seal at
Mentor, Ohio, this 3rd day of January, 2001.



                                             /s/ LAURA ANN MERICKA
                                             -------------------------
                                             Notary Public


                 LAURA ANN MERICKA
            Notary Public, State of Ohio
        My Commission Expires June 22, 2002
              Recorded in Lake County






                                       22
<PAGE>


                    Description of Lessor's Work

                          Exhibit "B"

                 IMPROVEMENTS AND BUILD-OUT


I     Build-Outs To Be Performed by Lessor at Lessor's Expense

      The following improvements/build-outs shall be constructed and installed
      by Lessor promptly following the execution of the foregoing Lease by
      Lessee at Lessor's sole cost and expense:

            a.    The perimeter of the Premises shall be drywalled.

            b.    The Premises shall be equipped with a standard 2' x 4' grid
                  acoustical ceiling.

            c.    The Premises shall include fluorescent lighting in the grid
                  ceiling at a candlepower/per square foot rate customary for
                  similar facilities, and shall include perimeter electrical
                  outlets.

            d.    The Premises shall include the requisite HVAC equipment and
                  two (2) restroom facilities.


II    Build-Outs/Improvements to be Installed by Lessor at Lessee's Expense

      The following improvements/build-outs shall be constructed and installed
      by Lessor promptly following execution of the foregoing Lease by Lessee at
      Lessee's sole cost and expense:

            a.    New drive-through facility

      The foregoing shall be implemented as follows: Lessor shall cause the
above build-outs/improvements to be constructed and installed prior to the rent
commencement date. Upon completion thereof, Lessor shall invoice Lessee for all
costs incurred in connection with construction and installation of the
foregoing, and Lessee shall thereupon remit payment to Lessor within thirty (30)
days consistent with such invoice.

III   Build-Outs/Improvements to be Constructed and Installed by Lessee at
      Lessee's Expense

      The following improvements/build-outs shall be constructed and installed
      by Lessee at Lessee's sole cost and expense:

            a.    Any build-outs/improvements desired by Lessee not described in
                  Sections 1 or 2 of this Exhibit "B" shall be instructed and
                  installed by Lessee at Lessee's sole cost and expense.



                                       23