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                                                                Exhibit 10.2

                             AGREEMENT FOR SERVICES

IT IS AGREED, by and between RONALD L HOVERMALE ("RLH"), and CASTLE 
BANCGROUP, INC. ("CBI") as follows:

CBI hereby engages RLH, and RLH hereby accepts such engagement, to perform the
duties of CBI corporate Vice President for Information Services and Operations
and Administration which duties shall be specified from time to time by CBI
senior management upon the following terms and conditions,

TERM

1.   The term of this Agreement shall be from October 25, 1997 to December 31,
     1999 unless terminated earlier by mutual written consent or terminated with
     cause by either party to this Agreement upon thirty (30) days written
     notice to the other party.

2.   The terms of this Agreement may be modified or extended at any time by 
     mutual written consent of the parties.

CONSIDERATION

1.   CBI shall pay RLH for his services the sum of $233,077 and employer's FICA
     contributions in 57 equal or nearly equal bi-weekly installments during the
     term of this Agreement. In addition, CBI shall reimburse RLH for business
     expenses incurred by him in the performance of his services during the term
     of this Agreement.

2.   In the event this Agreement is terminated prior to December 31, 1999, the
     requirement for payment to RLH of the consideration stated herein shall be
     deemed to be fulfilled and CBI shall not be obligated to make any further
     payments to RLH other than any bi-weekly payments and reimbursable expenses
     which became due to RLH prior to the date of termination and are unpaid at
     the date of termination.

3.   CBI shall pay RLH $10,000 for relocation expense incurred in moving his
     residence from Springfield, Illinois to DeKalb, Illinois or its environs in
     two installments: $5,000 shall be paid upon execution of this Agreement and
     the balance of $5,000 shall be paid upon relocation.

4.   CBI shall award RLH as additional consideration grants of CBI common shares
     as follow:

         800 shares on December 1, 1997
         800 shares on December 1, 1998
         800 shares on December 1, 1999

     The foregoing grants of CBI common shares are contingent upon written
     determination by CBI on the due date of each grant that this Agreement is
     in full force and effect and that RLH has performed the services required
     of him pursuant to this Agreement in a satisfactory manner.

5.   In the event RLH sells the DeKalb residence acquired by him upon his
     relocation from Springfield, Illinois due to termination of this Agreement
     for any reason CBI will reimburse RLH for any loss in value realized by
     RLH.


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     The term "Loss in value" means the difference between the cost basis for
     federal income tax purposes of the DeKalb residence acquired by RLH upon
     relocation and a lower price received by RLH upon the sale of such
     residence in an arm's length transaction which is closed within twelve (12)
     months of the date of termination of this Agreement.

BENEFITS, VACATIONS, PROFIT SHARING

1.   It is understood and agreed by CBI and RLH may not devote his full time to
     the performance of the services required by this Agreement and that from
     time to time RLH may accept other engagements which are not in direct
     conflict with his engagement by CBI, may be out of state, and may provide
     certain of his services from outside the CBI office.

     Notwithstanding the above, it is agreed by CBI and RLH that RLH will not
     absent himself from CBI for more than thirty (30) consecutive days in any
     year or for more than a total of six (6) weeks in 1998 or more than a total
     of eight (8) weeks in 1999.

2.   RLH waives any right(s) which may have to participate in the benefit,
     profit sharing, and bonus programs of CBI during the term of this
     Agreement.

EXECUTED at DeKalb, Illinois this 26 day of September, 1997.


/S/ RONALD L. HOVERMALE                     /S/ JOHN W. CASTLE
-----------------------                     ------------------------------------
                                            John W. Castle
                                            Chairman and Chief Executive Officer


                                       2
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                       AMENDMENT TO AGREEMENT FOR SERVICES
             BETWEEN RONALD L. HOVERMALE AND CASTLE BANCGROUP, INC.
                            DATED SEPTEMBER 26, 1997


Ronald L. Hovermale ("RLH") and Castle BancGroup, Inc. ("CBI"), in consideration
of the premises, hereby agree to amend the written agreement heretofore entered
into by them dated September 26, 1997 for the services of RLH as Vice President
for Information Services and Operations ("Agreement for Services") as follows:

1.   The term of the Agreement for Services shall be extended for twelve months 
     from December 31, 1999 to January 15, 2001.

2.   The consideration to be paid RLH for his services during the extended term
     shall be $112,500 plus employer's FICA contributions which shall be paid in
     equal or nearly equal bi-weekly installments.

3.   RLH shall spend a minimum of 8 1/2 months at the CBI corporate office in
     DeKalb, Illinois in the performance of his duties during the extended term.
     RLH shall be allowed 3 1/2 months for vacation. The required office time is
     not required to be in consecutive days.

4.   CBI shall purchase the RLH DeKalb residence on or about September 30, 2000
     at a purchase price equal to the cost basis of the property less customary
     expenses paid by the seller of DeKalb real estate. The purchase price shall
     be paid in cash at closing and RLH shall have the right to continue to
     occupy the premises until January 15, 2001 or until the property is resold
     by CBI, whichever event occurs earlier. RLH shall pay all utility costs and
     other charges, if there are any, related to his occupancy of the premises
     after purchased by CBI.

5.   RLH shall be responsible during the extended term of the Agreement for
     Services to recruit from within or from outside the CBI organization a
     person who is acceptable to CBI senior management to be his successor as
     Vice President for Information Services and Operations. RLH shall be paid
     800 shares of CBI common stock during January, 2001 if he successfully
     completes the recruitment effort required by this paragraph 5.

6.   All of the terms and conditions of the Agreement for Services which are not
     amended by this Agreement or are not otherwise in conflict with this
     agreement shall remain in full force and effect during the extended term of
     the Agreement for Services.

Executed at DeKalb, Illinois this 12th day of March, 1999.


/S/ RONALD L. HOVERMALE                     /S/ JOHN W. CASTLE
-----------------------                     ------------------------------------
                                            John W. Castle
                                            Chairman and Chief Executive Officer