EXHIBIT 10.1

              REAL ESTATE CONTRACT WITH M&I MARSHALL & ILSLEY BANK
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                              REAL ESTATE CONTRACT
                              --------------------

     THIS REAL ESTATE  CONTRACT (the  "Contract") is entered into as of the 15th
day of April, 2010 ("Effective Date"), by and between M&I Marshall & Ilsley Bank
("Seller"),  and  Midwest  Federal  Savings  & Loan  Association  of St.  Joseph
("Buyer").

     In  consideration  of the covenants and  agreements  set forth herein,  and
other good and valuable consideration,  the receipt and sufficiency of which are
hereby acknowledged, the parties hereto covenant and agree as follows:

     1.  Property.  Seller  hereby  agrees to  convey to Buyer and Buyer  hereby
agrees to purchase from Seller the real property described on Exhibit A attached
hereto and all improvements  located thereon and all appurtenances  thereto (the
"Realty"), and the personal property described on Exhibit B attached hereto (the
"Personalty").  The Realty and Personalty are sometimes collectively referred to
herein as the "Property".

     2.  Purchase  Price.  The  purchase  price for the Property is Five Hundred
Thirty-Eight  Thousand and 00/100 Dollars  ($538,000.00)  ("Purchase Price") and
shall be paid as follows:

         (a)  Earnest  money in the amount of Ten  Thousand  and 00/100  Dollars
     ($10,000.00) shall be deposited by Buyer with the Title Company (defined in
     Section 5 below) within five (5) days after the execution of this Contract.
     At closing, the entire earnest money amount will be disbursed to the Seller
     and  applied to the  Purchase  Price,  and will be  reflected  as a closing
     statement credit to the Buyer. Seller and Buyer agree to execute an Earnest
     Money Escrow Agreement if requested by the Title Company, which shall be in
     form and  content  reasonably  acceptable  to Buyer,  Seller  and the Title
     Company.

         (b) The balance of the Purchase  Price,  subject to closing  prorations
     and credits, shall be paid in cash or a cash equivalent at closing.

     3.  Seller's  Representations  and  Warranties.  Seller  hereby  makes  the
following  representations and warranties in connection with Buyer's purchase of
the Property, and no others, express or implied:

         (a) Seller has the  corporate  authority  necessary  to enter into this
     Contract and comply with Seller's obligations hereunder;

         (b)  There  are  no  pending  or,  to  Seller's  knowledge,  threatened
     condemnation or eminent domain proceedings which would affect the Property;

         (c) There are no  undisclosed  agreements  between Seller and any other
     party which relate to the Property;

         (d)  Until  the  closing  date,  the  Property  will be  maintained  in
     substantially  the same condition as it is in on the date of this Contract,
     subject to ordinary wear and tear and casualty damage; and

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         (e)  There  is  no  litigation  pending  or,  to  Seller's   knowledge,
     threatened which would affect the Property or the use thereof by Buyer.

     All  representations  and warranties made by Seller in this Section 3 shall
be true as of the  closing  date  hereof and shall  survive  the closing of this
transaction for a period of one (1) year.

     4. Survey Contingency.  Buyer, at its sole expense,  may obtain a survey of
the Realty prepared by a land surveying company  registered in the same state as
the Realty. Buyer shall have thirty (30) days from the Effective Date to deliver
to Seller  in  writing  any  objection  to a matter  shown on the  survey  which
materially  affects the Property or Buyer's use of the Property.  If Buyer fails
to timely  deliver  notice to Seller of any survey  objections (or elects not to
obtain a survey),  then  Buyer is deemed to have  waived all rights to object to
any  matters  shown on the survey (or that would be shown on a current  survey).
Seller may elect in Seller's sole discretion whether or not to attempt a cure of
such survey  objections.  Upon  receipt of notice from  Seller  indicating  that
Seller elects not to pursue a cure of a survey objection,  Buyer shall have five
(5) business days to deliver  notice to Seller  terminating  this  Contract,  in
which event Buyer the earnest  money shall be disbursed to Buyer and the parties
shall  have no  further  obligations  hereunder  except  those  provisions  that
expressly  survive.  If Seller  pursues a cure and is unable to cure the  survey
objections  by the  closing  date,  then  Buyer  shall have the option to either
terminate  this Contract (in which event the earnest money shall be disbursed to
Buyer and the parties shall have no further  obligations  hereunder except those
provisions  that  expressly  survive),  or close on the purchase of the Property
with no Purchase Price reduction, in which case Buyer is deemed to have accepted
any uncured survey  objections  and waived any rights  against  Seller  relating
thereto.

     5. Title  Contingency.  Promptly  after the  Effective  Date,  Seller shall
deliver  or  cause  to  be  delivered  to  Buyer  a  current   commitment   (the
"Commitment") for an ALTA owner's title insurance policy for the Property issued
by a title  agent  selected  by  Seller  using  a  nationally  recognized  title
insurance  underwriter  (the  "Title  Company"),  together  with  copies  of the
instruments listed in the schedule of exceptions in such Commitment. Buyer shall
have  until the later of thirty  (30) days from the  Effective  Date or ten (10)
days after  receipt  of the  Commitment  to  deliver  to Seller in  writing  any
objection  to a matter  shown on the  Commitment  which  materially  affects the
Property or Buyer's use of the Property ("Title Objections").  If Buyer fails to
deliver  timely notice of Title  Objections to Seller,  Buyer shall be deemed to
have fully accepted the Commitment and all other matters disclosed  therein.  If
Buyer  timely  delivers  Title  Objections,  Seller shall have fifteen (15) days
after  receipt of Buyer's  objection  notice to notify Buyer in writing what, if
anything,  Seller  shall do to cure the Title  Objections.  Failure of Seller to
respond  within said period shall  indicate  that Seller  elects not to cure the
Title Objections. Seller shall have no obligation to cure any Title Objection or
incur any expense with respect thereto. If Seller elects not to cure one or more
of the Title  Objections,  Buyer  shall have five (5)  business  days to deliver
notice to Seller  terminating  this  Contract,  in which event the earnest money
shall be  disbursed to Buyer and the parties  shall have no further  obligations
hereunder  except those provisions that expressly  survive.  If Seller pursues a
cure and is unable to cure a Title  Objection  by the closing  date,  then Buyer
shall have the option to either  terminate  this  Contract  (in which  event the
earnest  money shall be disbursed to Buyer and the parties shall have no further
obligations  hereunder except those provisions that expressly survive), or close

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on the purchase of the Property with no Purchase Price reduction,  in which case
Buyer is deemed to have  accepted any uncured  Title  Objections  and waived any
rights against Seller relating thereto.

     Notwithstanding  anything to the contrary  herein,  the  following  matters
shall be deemed  "Permitted  Exceptions" and Buyer shall have no right to object
to any of said matters on the Commitment:

         (a) municipal and zoning ordinances and agreements  entered under them,
     building and use  restrictions  and  covenants,  and State  and/or  Federal
     statutes and regulations;

         (b) recorded  easements for the  distribution  of utility and municipal
     services;

         (c)  property  taxes  and  special  assessments  levied  in the year of
     closing and subsequent years;

         (d) such other  matters as  disclosed by the  Commitment  and waived or
     deemed waived by Buyer pursuant to this Section 5.

     At closing,  Seller  shall cause the Title  Company to issue a current ALTA
owner's title insurance  policy in the amount of the Purchase Price allocated to
the Realty  insuring  Buyer as the fee simple owner of the Realty as of the date
of recording the deed, subject to the Permitted Exceptions ("Title Policy").

     6.  Inspection  Contingency.  Buyer,  at its sole  expense,  may  obtain an
inspection  of all buildings  and related  improvements  located on the Property
and/or a Phase I environmental  assessment of the Property. Buyer shall not have
the  right  to  conduct  any  sampling  of the  water,  soil,  air  or  building
improvements  without Seller's  express prior written consent.  Buyer shall have
thirty (30) days from the Effective  Date to terminate  this Contract by written
notice to Seller  resulting  from  Buyer's  objection  to any matter shown in an
inspection report or Phase I environmental assessment,  which materially affects
the Property or Buyer's use of the  Property.  If Buyer does not  terminate  the
Contract  hereunder,  then  Buyer  is  deemed  to have  waived  this  inspection
contingency  and any right to object to the  condition  of the  Property  or any
improvements  located thereon.  In no event shall Seller be required to cure any
matter to which the Buyer  objects  relating to the condition of the Property or
any improvements located thereon.

     7. No Representations or Warranties; AS-IS Condition.

         (a)  Buyer is hereby  purchasing  the  Property  in  "AS-IS,  WHERE-IS"
     condition  and  "with  all  faults",  and  agrees  that it  relies  upon no
     warranties,  representations  or statements by Seller, or any other persons
     for Seller,  in entering into this Contract or in closing the  transactions
     described herein, except for the express representations and warranties set
     forth in  Section 3  hereof.  Buyer's  closing  on the  acquisition  of the
     Property shall constitute  conclusive evidence that Buyer is satisfied with
     the  condition  of and title to the  Property  and has waived or  satisfied
     Buyer's survey, title and inspection  contingencies set forth in Sections 4
     through 6 above.  In closing and completing  this  transaction,  Buyer will
     have relied exclusively upon its own inspections and reviews,  and not upon

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     any  representation or warranty of Seller or its agents or employees except
     those expressly set forth in Section 3 above.

         (b) Except for the express  representations and warranties set forth in
     Section 3 hereof, Seller makes no warranties, representations or statements
     whatsoever,  express or implied,  concerning  or relating to the  Property,
     including  without  limitation:  the income or  expenses  of the  Property;
     zoning and building codes and other similar  restrictions;  availability or
     cost  of  utilities;  the  environmental  condition  of the  Property;  the
     presence  or  absence of any  hazardous  substances,  hazardous  materials,
     petroleum,  or any substances regulated by federal,  state or local law in,
     on or  under  the  Property;  compliance  of the  Property  with  any  law,
     regulation, ordinance or similar requirement,  including without limitation
     the  Americans  with  Disabilities  Act; or the  physical  condition of the
     Property or any improvements  thereon.  Buyer  acknowledges that no agents,
     employees,   brokers  or  other   persons  are   authorized   to  make  any
     representations or warranties for Seller.

         (c) Buyer acknowledges and agrees that any Personalty to be conveyed in
     this  transaction  from Seller to Buyer will be  transferred  by quit claim
     bill of sale, with no  representation,  warranty or guaranty,  expressed or
     implied,  regarding the condition of or the title to such  Personalty,  and
     Buyer  further  agrees to accept such  Personalty in its  "AS-IS/WHERE  IS"
     condition at closing.

         (d) Buyer (and any party claiming through or under Buyer) hereby agrees
     that following the closing, Seller shall be fully and finally released from
     any and all claims or liabilities against the Seller relating to or arising
     on account of the condition of or title to the Property,  including without
     limitation, any matters specifically referenced in this Rider. This Section
     7(a) through (d) shall survive the closing of the Contract.

     8. Closing.  The closing of this transaction shall take place within twenty
(20)  days  after  expiration  of all  Buyer's  contingencies  set forth in this
Contract,  at the offices of the Title Company,  or at such other time and place
as may be agreed  upon by Buyer  and  Seller.  Unless  other  contingencies  are
expressly  granted in this  Contract,  Buyer's  contingencies  include  only the
survey,  title and  inspection  contingencies  set forth in  Sections 4, 5 and 6
above. At closing, Buyer shall deliver to the Title Company wired funds or other
immediately  available funds in the amount of the Purchase Price, as adjusted by
any  prorations  and closing  costs  provided for herein,  and such  affidavits,
resolutions and other documents agreed between the parties, required for a legal
conveyance  of real  estate  in the state  where  the  Property  is  located  or
otherwise required by the Title Company to issue the Title Policy.

     At closing,  Seller  shall  deliver to the Title  Company a Quit Claim Deed
conveying the Realty to Buyer,  subject only to the exceptions permitted herein,
a Quit Claim bill of sale conveying the Personalty to Buyer, if applicable,  and
such  affidavits,  resolutions and other  documents  agreed between the parties,
required for a legal  conveyance  of real estate in the state where the Property
is located or otherwise required by the Title Company to issue the Title Policy.
All prorations  required  hereunder shall be computed as of the date of closing.
Possession  of the Property  shall be  delivered  to Buyer on the closing  date.
Buyer shall pay for  recording  the deed.  Seller shall pay the title  insurance
premium for the Title Policy to be issued to Buyer and gap endorsement  charges.

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Buyer  shall  pay for all other  endorsement  charges  and the  title  insurance
premium for any loan policy,  including endorsement charges related thereto. All
escrow fees and title company  closing charges shall be shared equally by Seller
and Buyer. All other closing costs,  including without limitation transfer taxes
and other recording fees,  shall be allocated as customary in the state in which
the Property is located.

     9. Taxes.  Seller shall pay in full all general taxes and all  installments
of special  assessments,  of whatever  kind, due and payable with respect to the
Property  prior to the closing  date.  All general real  property  taxes and all
installments of special assessments payable with respect to the Property for the
year of closing  shall be  prorated  between  Buyer and Seller as of the closing
date.  If the precise  amount of taxes and  assessments  payable for the year of
closing cannot be ascertained, proration shall be computed on the basis of taxes
and assessments on the Property for the immediately preceding tax year.

     10.  Casualty.  If the Property is damaged by fire or other  casualty after
the Effective Date of this Contract but prior to the closing date, such that the
cost to restore the Realty to its condition immediately prior to the casualty is
in excess of five  percent  (5%) of the  Purchase  Price,  Buyer  shall have the
option to:

         (a) proceed to close this transaction on the terms contained herein and
     receive an assignment  of the  insurance  proceeds (or the right to receive
     the same, if they are not received before  closing)  payable to Seller as a
     result of the casualty; or

         (b)  terminate  this  Contract by written  notice  delivered  to Seller
     within ten (10) days after Buyer receives notice of the casualty,  in which
     event the earnest money shall be refunded to Buyer.

     If the Property is damaged by fire or other  casualty  prior to the closing
date and the  cost of  restoration  does not  exceed  five  percent  (5%) of the
Purchase  Price,  this  Contract  shall remain in full force and effect upon the
terms stated  herein and at closing  Seller shall assign to Buyer the  insurance
proceeds  (or the right to receive  the same,  if they are not  received  before
closing) payable to Seller as a result of the casualty.

     11.  Condemnation.  If any of the  Realty is  condemned  under the power of
eminent domain, is the subject of a threatened condemnation, or is conveyed to a
condemning  authority  in lieu of  condemnation,  Seller  shall  notify Buyer in
writing of the threat,  condemnation or conveyance within five (5) business days
of its  occurrence.  Buyer  shall  within ten (10) days of the  notice  have the
option  of  (a)  proceeding   with  the  closing  and  receiving  the  award  or
condemnation  payment (or an assignment  thereof, if the same is not received by
closing),  or (b) canceling  this Contract and receiving  back the earnest money
deposited.

     12.  Access to Property.  From the  Effective  Date to the date thirty (30)
days thereafter,  Buyer and Buyer's  authorized  agents and contractors shall be
permitted  access  to the  Property  at  reasonable  times  for the  purpose  of
conducting any of the following at Buyer's election: a survey of the Property, a
Phase I environmental assessment of the Property and/or a physical inspection of
any building and related improvements  located on the Property.  This Section 12

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does not authorize Buyer or Buyer's  authorized agents or contractors to conduct
any sampling.

     13. Indemnification. Buyer shall indemnify, defend and hold Seller harmless
from and against  any and all losses,  claims,  actions,  liabilities,  damages,
liens, costs and expenses,  including  reasonable  attorneys' fees,  incurred by
Seller (or its agents,  consultants or affiliates)  arising out of or related to
(i) any  activities  upon the  Property by Buyer,  its agents,  contractors  and
employees,  or (ii) the  failure  by  Buyer to  observe  or  perform  any of its
covenants,  representations  or obligations under the Contract.  This Section 13
shall survive the closing or termination of the Contract.

     14. Notices.  All notices required or permitted to be given hereunder shall
be given by certified mail,  postage prepaid,  or by overnight delivery service,
or shall be personally served, to Buyer and Seller at the following addresses:

         BUYER:                     Midwest Federal Savings & Loan Association
                                    of St. Joseph
                                    1901 Frederick Ave.
                                    St. Joseph, MO 64501


         SELLER:                    M&I Marshall & Ilsley Bank
                                    770 North Water Street
                                    Milwaukee, WI  53202
                                    Attn: Corporate Real Estate


         With copies to:
                                    ----------------------------
                                    ----------------------------
                                    ----------------------------

     All notices shall be deemed received either when actually received or three
(3) days after  posting (if mailed),  one  business  day after  deposit with the
delivery  service  (if  sent  by  overnight  delivery),  or when  delivered  (if
personally  delivered).  Either party may change the above  addresses by written
notice to the other.

     15. Default. If Buyer defaults in the full and timely performance of any of
its obligations hereunder,  Seller shall be entitled to cancel this Contract and
retain the earnest money deposited hereunder as liquidated damages,  the parties
agreeing  that in the  event of a  default  hereunder  actual  damages  would be
impossible to calculate.  If Seller defaults in the full and timely  performance
of any of its obligations  hereunder,  Buyer, as its only remedies, may elect to
either terminate this Contract and receive a refund of the earnest money or seek
specific performance.

     16. Real Estate Commissions.  Seller hereby represents and warrants that it
has not  engaged  the  services  of any real  estate  agent,  broker  or firm in
connection  with the  Property or this real estate  transaction  other than N/A.
Seller hereby agrees to defend,  indemnify and hold Buyer  harmless from any and
all loss, cost or expense from any claim for real estate  commission made by any

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agent,  broker or firm engaged by Seller in connection with the Property or this
transaction.  Buyer hereby  represents  and warrants that it has not engaged the
services  of any  real  estate  agent,  broker  or firm in  connection  with the
Property  or this real  estate  transaction.  Buyer  hereby  agrees  to  defend,
indemnify and hold Seller  harmless from any and all loss,  cost or expense from
any claim for real estate  commission made by any agent,  broker or firm engaged
by Buyer in connection with the Property or this transaction.

     17. Entire  Agreement.  This Contract contains the entire agreement between
Seller  and  Buyer  and  there  are  no  other  terms,   conditions,   promises,
understandings, statements or representations, express or implied, regarding the
transaction  contemplated hereby. This Contract may be amended only by a further
written document signed by each of the parties.

     18.  Successors  and Assigns.  The  provisions  of this  Contract  shall be
binding upon and inure to the benefit of the parties hereto and their respective
heirs, successors, assigns, executors, administrators and legal representatives.

     19.  Captions.  The captions of the  paragraphs  in this Contract have been
inserted  for  convenience  of  reference  only and  shall in no way  modify  or
restrict  any  provision  hereof or be used to  construe  any of the  provisions
hereof.

     20.  Severability.  If any  provision  of this  Contract is held invalid or
unenforceable,  the  invalidity  or  unenforceability  shall be  limited  to the
particular   provision(s)   involved  and  shall  not  affect  the  validity  or
enforceability of the remaining provisions.

     Time is of the essence of this Contract.

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     IN WITNESS  WHEREOF,  the parties  hereto  have caused this  Contract to be
executed as of the day and year first above written.

     Date: April 15, 2010             BUYER:


                                      Midwest Federal Savings & Loan Association
                                      ------------------------------------------
                                      of St. Joseph

                                      By: /s/ Ralph Schank
                                      Name: Ralph Schank
                                      Title: President/CEO


     Date: April 27, 2010             SELLER:

                                      M&I Marshall & Ilsley Bank


                                      By: /s/ William O. Zeidler
                                      Name: William O. Zeidler
                                      Title: Senior Vice President


                                      Attest: /s/ Steven J. Heder
                                      Name: Steven J. Heder
                                      Title: Assistant Vice President


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                                    EXHIBIT A

                           DESCRIPTION OF THE PROPERTY

                             2211 North Belt Highway

                           St. Joseph, Missouri 64506

               County Tax Parcel number: 06-1.0-02-002-000-013.007





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                                    EXHIBIT B

                                PERSONAL PROPERTY



      "All personal property located on the Realty (other than the security
    system currently in the building - it will be removed prior to closing)"