**EXHIBIT
      10.19**




**CONSULTING
      AGREEMENT**




Agreement
      made this 14th day of November, 2003, by and between CBG Mortgage, Inc., a
      Wisconsin corporation, which maintains its principal office at 101 Falls Road,
      Grafton, Wisconsin, hereafter referred to as "CBG"; and Blarney Stone
      Consulting, LLC, of 14460 Surrey Bend, Brooksville, FL 34609, hereafter referred
      to as "BSC".




**RECITALS**




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




WHEREAS,
      CBG supplies mortgage brokerage services including training and development
      to
      banks owned by Merchants, and




WHEREAS,
      BSC has expertise in these areas, and




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




NOW
      THEREFORE, as an inducement to BSC to provide consulting services and advise
      CBG
      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**




CBG
      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 35 hours per month of consulting services in areas of
      its expertise.  17.5 of said hours to be provided by BSC on-site at
      one or more locations of CBG, its parent company or one of its
      affiliates.







**SECTION
      THREE**


**DUTIES
      AND RESPONSIBILITIES**




During
      the term of this agreement BSC shall devote its nonexclusive services to CBG
      for
      an average of 35 hours per month.  Said services shall include
      serving on the board of directors, consulting with the President of CBG
      Mortgage, Inc. 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
      $4,283.83 Per month, which compensation shall be due and payable at the end
      of
      each month.




CBG
      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.




CBG
      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 CBG or any of its subsidiaries; and that BSC
      is
      not entitled to benefits normally provided by CBG to an employee.  It
      is further agreed and understood that by reason of the independent contractor
      status of consultant, CBG 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 CBG.




BSC
      will
      be responsible for, and shall hold CBG 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.




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**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 CBG, 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 CBG.  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 CBG
      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




3


**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
      Mortgage Inc.




By
/s/
      Thomas
      Sheehan






Approved:


Merchants
      and Manufacturers Bancorp, Inc.




By
/s/
      Michael J.
      Murry






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