Fox Cities Bank Incentive/Bonus Program for
                        Fiscal Year Ending March 31, 1998
                                 Associate Plan

   Eligible Participants:

   All permanent full and part time associates, with the exception of:

        - The Executive Management Team consisting of the Executive
          Officers' Management Committee.

        - The Middle Management group consisting of all Officers, Training
          Manager and Mortgage Loan Underwriter.

        - All loan originators paid on the basis of a draw against
          commission.

        - Any temporary associates including summer only associates.

   An associate will be eliglible to receive a bonus after the fiscal year
   end provided the associate has been employed on a continuous basis a
   minimum of one full year.  An associate must be actively employed when
   bonuses are paid.  Eligibility will cease the last day an associate is on
   the job, in the case of a voluntary or involuntary terminiation. 

   Basis:


        3%   of salary based upon reaching the pre-tax target set for the
             period of July 1, 1997 through March 31, 1998.

        7%   of salary based upon receiving a pro-rata share of a bonus pool
             to be established  according to the attached exhibit A.  An
             individual's share will be determined by calculating the ratio
             of each participant's salary to the total salaries of all
             participants.  

        The salary figure used will be the base income for the twelve months
        ending March 31, 1998 excluding  commission, overtime and incentive
        pay.

        *The percentages indicated are maximums for the particular category
        and can vary between 0% and the stated maximum. 
        *For any individual, the incentive will be capped at 10% of their
        gross income.
        *Payout will be net, after taxes and FICA, and will occur following
        the annual external audit.
        *All payouts are subject to final Board of Director approval and may
        be adjusted at their sole discretion.

   <PAGE>
                   Fox Cities Bank Incentive/Bonus Program for
                        Fiscal Year Ending March 31, 1998
                               Middle Manager Plan


   Eligible Participants:

   The Middle Management group will consist of all Officers, Training
   Manager, Mortgage Loan Underwriter and designated exempt associates.

   A member of this group will be eligible to receive a bonus after the
   fiscal year end provided the associate has been employed on a continuous
   basis a minimum of one full year.  The associate must be actively employed
   when bonuses are paid.  Eligibility will cease the last day an associate
   is on the job, in the case of a voluntary or involuntary termination.

   Basis:


        6%   of salary based upon reaching the pre-tax target set for the
             period of July 1, 1997 through March 31, 1998.

        9%   of salary based upon receiving a pro-rata share of a bonus pool
             to be established according to the attached exhibit A.  An
             individual's share will be determined by calculating the ratio
             of each participant's salary to the total salaries of all
             participants.  

        The salary figure used will be the base income for the twelve months
        ending March 31, 1998 excluding commissions, option exercise wages
        and incentive pay.

        *The percentages indicated are maximums for the particular category
        and can vary between 0% and the stated maximum.
        *For any individual, the incentive will be capped at 15% of their
        gross income.
        *Payout will be net, after taxes and FICA, and will occur following
        the annual external audit.
        *All payouts are subject to final Board of Director approval and may
        be adjusted at their sole discretion.

        For those officers with a title of Assistant Vice President or above,
   the basis as a percentage of salary will be 9%, and 11%.  The cap for any
   one individual will be 20% of their gross income.

   <PAGE>

                    Fox Cities Bank Incentive/Bonus Program for
                         Fiscal Year Ending March 31, 1998
                               Middle Manager Plan
                                  AVP and above

   Eligible Participants:

   The Middle Management group will consist of all Officers, Training
   Manager, Mortgage Loan Underwriter and designated exempt associates.

   A member of this group will be eligible to receive a bonus after the
   fiscal year end provided the associate has been employed on a continuous
   basis a minimum of one year.  The associate must be actively employed when
   bonuses are paid.  Eligibility will cease the last day an associate is on
   the job, in the case of a voluntary or involuntary termination.

   Basis:


        9%   of salary based upon reaching the pre-tax target set for the
             period of July 1, 1997 through March 31, 1998.

        11%  of salary based upon receiving a pro-rata share of a bonus pool
             to be established according to the attached exhibit A.  An
             individual's share will be determined by calculating the ratio
             of each participant's salary to the total salaries of all
             participants.

        The salary figure used will be the base income for the twelve months
        ending March 31, 1998 excluding commissions, option exercise wages
        and incentive pay.

        *The percentage indicated are maximums for the particular category
        and can vary between   0% and the stated maximum.
        *For any individual, the incentive will be capped at 20% of their
        gross income.
        *Payout will be net, after taxes and FICA, and will occur following
        the annual external audit.
        *All payouts are subject to final Board of Directors approval and may
        be adjusted at their sole discretion.

   <PAGE>

                   Fox Cities Bank incentive/Bonus Program for
                        Fiscal Year Ending March 31, 1998
                             Executive Officer Plan


   Eligible Participants:

   The Executive Officer group will be those individuals as designated by the
   Board of Directors as members of the Executive Officers' Management
   Committee.

   A member of this group will be eligible to receive a bonus after the
   fiscal year end provided the executive officer has been employed on a
   continuous basis a minimum of six months.  An executive officer must be
   actively employed when bonuses are paid.  Eligibility will cease the last
   day an executive officer is on the job, in the case of a voluntary or
   involuntary termination.

   Basis:


        20%  of salary based upon reaching the pre-tax target set for the
             period of July 1, 1997 through March 31, 1998.

        15%  of salary based upon receiving a pro-rata share of a bonus pool
             to be established according to the attached exhibit A.  An
             individual's share will be determined by calculating the ratio
             of each participant's salary to the total salaries of all
             participants.  

        The salary figure used will be the base income for the twelve months
   ending March 31, 1998 excluding commissions, option exercise wages and
   incentive pay.

        *The percentages indicated are maximums for the particular category
        and can vary between 0% and the stated maximum.
        *For any individual, the incentive will be capped at 35% of their
        gross income.
        *Payout will be net, after taxes and FICA, and will occur following
        the annual external audit.
        *All payouts are subject to final Board of Director approval and may
        be adjusted at their sole discretion. 

   <PAGE>
                  Fox Cities Bank Incentive/Bonus Plan for
                     Fiscal Year Ending March 31, 1998
                                 Exhibit A



   Pre-Tax Target:
             Period of July 1, 1997 through March 31, 1998: $6,922,000.
             Adjustments of extraordinary or unusual income/expense items may
             be made at the discretion of the Board of Directors.


   Bonus Pools:
             There will be three separate bonus pools established for each of
   the three bonus plans.  The pools will be based upon a percentage of the
   pre-tax income that exceeds the target.


                                               Middle          Executive
      Pre-tax Income       Associate         Management        Officers'
     Exceeding Target         Pool              Pool              Pool


     $   0   -$100,000        15%               15%               10%

     $100,001-$250,000        12%               12%               12%

     $250,001-and over        10%               10%               10%


        During fiscal 1998, a substantial number of merger related issues and
   items created certain priorities and unusual work requirements.  As a
   result, certain associates provided extraordinary effort, time and
   leadership to assure that those items where completed accurately and
   timely.

        At the discretion of the Board of Directors, a bonus amount can be
   included for certain associates based upon an individual's effort and
   accomplishments during this transitional year.  However, under no
   circumstances will the total bonus payment exceed the maximum as stated
   within the plans.