**EXHIBIT
      10.18**




**CONSULTING
      AGREEMENT**




Agreement
      made this 14th day of November, 2003, by and between CBG Services, Inc., a
      Wisconsin corporation, which maintains its principal office at 14100 West
      National Ave., New Berlin, Wisconsin, hereafter referred to as "SERVICES";
      and
      Blarney Stone Consulting, LLC, of 14460 Surrey Bend, Brooksville, FL 34609,
      hereafter referred to as "BSC".




**RECITALS**




WHEREAS,
      SERVICES is a wholly owned subsidiary of Merchants and Manufacturers
      Bancorporation, Inc., a multi-bank holding company, and




WHEREAS,
      SERVICES supplies various support services to banks owned by Merchants,
      including technology, training, marketing, card services, human resources and
      other core services, and




WHEREAS,
      BSC has expertise in these areas, and




WHEREAS,
      SERVICES does desire to engage BSC on a non-exclusive basis




NOW
      THEREFORE, as an inducement to BSC to provide consulting services and advise
      SERVICES on matters which are within the area of expertise; and for good and
      other valuable consideration; and on the terms, provisions, and conditions
      hereof, the parties agree as follows:




**SECTION
      ONE**


**INCORPORATION
      BY REFERENCE**




The
      forgoing recitals are incorporated herein by this reference; and this agreement
      shall be construed by reference thereto.




**SECTION
      TWO**


**NATURE
      AND TERM OF SERVICE**




SERVICES
      agrees to engage the services of BSC and BSC agrees to perform services as
      Consultant for a term of three (3) years, from January 15, 2004 to
      January 15, 2007.




BSC
      shall
      provide an average of 45 hours per month of consulting services in areas of
      its expertise.  22.5 of said hours to be performed
      on-site.







**SECTION
      THREE**


**DUTIES
      AND RESPONSIBILITIES**




During
      the term of this agreement BSC shall devote its nonexclusive services to
      SERVICES for an average of 45 hours per month.  Said services
      shall include serving on the board of directors, consulting with the heads
      of
      IT, Operations, Training, Card Services, Human Resources and other areas as
      determined by the Chairman of Merchants.




**SECTION
      FOUR**


**COMPENSATION**




In
      consideration of all services rendered during the term of this agreement,
      including any necessary travel time, BSC shall be compensated at a rate of
      $
      5,507.83 Per month, which compensation shall be due and payable at the end
      of
      each month.




SERVICES
      will not deduct federal, state, and social security taxes, or workman's
      compensation, or unemployment insurance premiums, from such compensation, the
      payment of which shall be the sole and exclusive responsibility of BSC as an
      independent contractor.  BSC shall also be responsible for any and all
      pertinent benefit items including, but not limited to retirement plans
      contributions, and medical and dental insurance premiums.




SERVICES
      will arrange for the transfer to BSC of the automobile currently being using
      by
      Thomas Sheehan.




**SECTION
      FIVE**


**RELATIONSHIP
      OF PARTIES**




The
      parties to this agreement stipulate that BSC is a LLC, and that the relationship
      created by this agreement is that of a principal-independent contractor; and
      that BSC is not an employee of SERVICES or any of its subsidiaries; and that
      BSC
      is not entitled to benefits normally provided by SERVICES to an
      employee.  It is further agreed and understood that by reason of the
      independent contractor status of consultant, CBG Services will not withhold
      from
      compensation paid to BSC any sums for federal and state withholding taxes and/or
      FICA taxes, and/or unemployment or workmen's compensations
      insurance.




BSC
      may
      operate its business for the benefit of others during those periods when BSC
      is
      not performing work under this contract for SERVICES.




BSC
      will
      be responsible for, and shall hold SERVICES harmless by reason of any
      negligence, or intentional acts or omissions that may cause damage to any person
      or party as a result of the performance of this agreement.







**SECTION
      SIX**


**TERMINATION**




This
      agreement will terminate upon the death or disability of Thomas J. Sheehan
      or upon the date specified in Section Two of this Agreement, as the case
      may be.




**SECTION
      SEVEN**


**CONFIDENTIALITY**




BSC
      acknowledges that any information BSC has obtained or will obtain in the future
      regarding the operation of SERVICES, its products, services, policies or any
      other aspect of its business is confidential; and shall not be revealed or
      disclosed to any person, company, or other entity without the express written
      permission of SERVICES.  BSC acknowledges that they are aware of, and
      will adhere to, the restrictions of the privacy provisions of the
      Gramm-Leach-Bliley Act, and as amended from time-to-time.  This
      provision shall be in full force and effect from the effective date of this
      agreement, and shall survive the termination of this agreement unless extended
      due to the provisions of any pertinent law or statute.




**SECTION
      EIGHT**


**CHANGES
      AND ALTERATIONS**




No
      change, alteration, modification, or addition to this agreement shall be
      effective unless in writing and properly executed by the parties
      hereto.




**SECTION
      NINE**


**ASSIGNMENT**




This
      agreement may not be assigned or otherwise transferred by either party
      hereto.




**SECTION
      TEN**


**OTHER
      AGREEMENTS**




This
      agreement supersedes all previous agreements and understandings with respect
      to
      the matters covered hereby.  Agreements dated prior to the execution
      of this agreement between Thomas J. Sheehan and Merchants, parent of
      SERVICES are hereby terminated on the effective date of this
      agreement.




**SECTION
      ELEVEN**


**APPLICABLE
      LAW**




This
      agreement and any disputes relating thereto shall be construed under and
      pursuant to the laws of the State of Wisconsin







**SECTION
      TWELVE**


**CONTRACT
      TERMS EXCLUSIVE**




This
      agreement constitutes the entire agreement between the parties hereto and the
      parties acknowledge and agree that neither of them has made any representations
      with respect to the subject matter of this agreement, or any representations
      inducing the execution and delivery hereof; except as specifically set forth
      herein; and each of the parties hereto acknowledge that he or it has relied
      on
      its own judgment in entering the same.




IN
      WITNESS WHEREOF, the parties here have executed this agreement on the date
      first
      written above.




Blarney
      Stone Consulting, LLC




By
/s/
      Thomas
      Sheehan




CBG
      Services, Inc.




By
/s/
      Thomas
      Sheehan




Approved:


Merchants
      and Manufacturers Bancorp, Inc.




By
/s/
      Michael J.
      Murry






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