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                                  Exhibit 10.13



















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                                    AGREEMENT



          AGREEMENT made as of this 17th day of October, 2000 by and between
EVANS NATIONAL BANK, with offices located at 14-16 North Main Street, Angola,
New York 14006, hereinafter referred to as the "Bank", and JAMES TILLEY, an
employee of the Bank, hereinafter referred to as the "Participant".

                                    RECITALS

          WHEREAS, the parties previously entered into a Supplemental Executive
Retirement Plan dated March 28, 1995, as amended by Agreement dated February 16,
1999 (the "SERP"); and

          WHEREAS, the parties now desire to further amend the SERP.

          NOW THEREFORE, the parties mutually agree as follows:

          1.      Section 2.1 of Article II "BENEFIT" is hereby amended to read
                  as follows:

                  Section 2.1 Excess Benefit

                  (A)      The excess benefit has been determined to be the
                           amount of $66,943 per year (the "Excess Benefit")
                           payable for a term of twenty (20) years certain.
                           Except as otherwise provided in this Agreement, the
                           Excess Benefit shall be payable monthly under
                           conditions identical as to vesting, condition and
                           terms of payment to the benefit payable by the Evans
                           National Bank Pension Plan, as amended from time to
                           time (the "Bank Pension Plan") (except the benefit
                           from this SERP will not be paid in the form of a lump
                           sum and the Excess Benefit will not commence prior to
                           the first day of the month coincident with or next
                           following the Participant's 65th birthday).

                           Except as set forth in Section 2.1 (B) or Section 2.3
                           of the SERP, the Excess Benefit shall only be paid to
                           the Participant if the Participant's employment is
                           terminated on or after his 65th birthday.

                  (B)      In the event the Participant dies prior to attaining
                           sixty-five (65) years of age, the Excess Benefit will
                           be paid to the Participant's named beneficiary in the
                           amount of $66,943 per year, payable monthly for
                           twenty (20) consecutive years commencing thirty (30)
                           days after the Participant's date of death.


          2.      Section 2.3 of Article II "BENEFIT" is hereby amended to read
                  as follows:

                  Section 2.3 Benefit on Termination Before Retirement at Age 65
                  --------------------------------------------------------------

                  In the event the Participant's employment is terminated as a
                  result of: (i) the Participant becoming "Totally and
                  Permanently Disabled" as defined in the Bank Pension Plan;
                  (ii) the Board of Directors of the Bank, in its absolute
                  discretion, authorizes and approves the early retirement of
                  the Participant; or (iii) the Bank voluntarily terminates the
                  employment of the Participant other than "for cause", then the
                  Excess Benefit to be paid to the Participant under this SERP
                  shall be the Excess Benefit as set forth in Section 2.1 (A) of
                  $66,943 multiplied by a fraction (1) the numerator of which is
                  the actual number of months of service of the Participant in
                  the Evans National Bank Pension Plan and (2) the denominator
                  of which is the number of months of service in the Bank
                  Pension Plan the Participant would have completed if the
                  Participant had continued to be employed until his Normal
                  Retirement Age (as defined n the Bank Pension Plan). The
                  amount as so determined shall be payable monthly for a term of
                  twenty (20) years certain. It will not be paid in a lump sum
                  and the benefit will not commence prior to the first day of
                  the month coincident with or next following the Participant's
                  65th birthday.


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          IN WITNESS WHEREOF, the parties have hereunto set their hands the day
and year first above written.


                EVANS NATIONAL BANK

       BY:      /s/Phillip Brothman
                --------------------------------------------
                Phillip Brothman, Vice Chairman


                PARTICIPANT

                /s/James Tilley
                --------------------------------------------
                James Tilley