EXHIBIT 10.2

M&I Marshall & Ilsley Bank
 
770 North Water Street/Milwaukee, WI 53202-3593/Tel 414 765-7990
Correspondent Banking



         August 27, 1997


         Mr. Douglas M. Kratz, President
         Financial Services Corporation of the Midwest
         P. O. Box 4870
         Rock Island, IL  61204-4870

         RE:      Amendment to Letter Agreement dated as of December 15, 1992

         Dear Mr. Kratz:

         The  following  amends the Loan  Agreement  dated  December 15, 1992 as
         amended as of March 14, 1996 and further amended as of July 27, 1996.

         Paragraph  3 of the  agreement  is amended in its  entirety  to read as
         follows:

                           "3.  The  Borrower  shall  at all  times  maintain  a
                  minimum  tangible  net  worth  of  at  least   $20,000,000.00.
                  Tangible  net  worth  shall  be  defined  in  accordance  with
                  generally  accepted  accounting  principles.  The  Bank  shall
                  maintain  a  minimum   tangible  net  worth,   as  defined  by
                  applicable    regulatory    authorities,     of    at    least
                  $25,000,000.00."

         Paragraph  6 of the  agreement  is amended in its  entirety  to read as
         follows:

                           "6.  The   Borrower   shall   make  no  fixed   asset
                  expenditures in an aggregate amount  exceeding  $500,000.00 in
                  any one fiscal year with the prior  approval of M&I.  The Bank
                  shall make only such fixed asset expenditures as would be made
                  under  normal  banking   practices  and  in  accordance   with
                  applicable  regulatory  requirements without the prior written
                  approval of M&I.  If the Bank is  required,  under  regulatory
                  requirements,  to obtain the  approval of  regulators  for any
                  fixed asset  expenditures,  the Borrower shall also obtain the
                  prior written approval of M&I."

         All other terms and  conditions  of the  Agreement,  as amended,  shall
         remain in force.

         Please  acknowledge  acceptance  of,  and  agreement  to,  the terms by
         signing in the appropriate place indicated.

                                       Sincerely yours,

                                       By: /s/ John A. Leonard
                                           -------------------------------------
                                           John A. Leonard, Vice President


                                       Attest: /s/ Andrew R. Ragatz
                                               ---------------------------------
                                               Andrew R. Ragatz, Vice President

The above terms are accepted agreed to as of this date:



                                      FINANCIAL SERVICES CORPORATION
                                             OF THE MIDWEST


                                     By: /s/ Douglas M. Kratz
                                         ---------------------------------------
                                         Its:     Chairman


                                     Attest:  /s/ Patricia A. Zimmer
                                              ----------------------------------
                                              Its:     Secretary

<PAGE>



The above terms are accepted and agreed to as of this date:



                                     THE ROCK ISLAND BANK, N.A.


                                     By:  /s/ Perry B. Hansen
                                          --------------------------------------
                                          Its:     Chairman


                                    Attest:  /s/ Patricia A. Zimmer
                                             -----------------------------------
                                             Its:     Secretary