Exhibit 10.2CONSTRUCTION AGREEMENT     BETWEENOWNER and CONTRACTOR. This Agreement sets forth a Contract made this24th day of August between Mercantile Trust & Savings Bank, having an address of 440Main Street, Quincy, Illinois, 62306-0371 (hereinafter referred to as “Owner”), and Clayco, Inc.,having its principal place of business at 2199 Innerbelt Business Center Drive, St. Louis, MO63114 (hereinafter referred to as “Contractor”).The parties hereto agree as follows:A. CONTRACT DOCUMENTS. The Contract Documents between theparties consists of: this Agreement, the General Conditions of the Contract forConstruction, the Drawings and Specifications enumerated in Paragraph F hereof, and allModifications issued pursuant to the General Conditions. These form the Contract and allare as fully a part of the Contract as if attached to this Agreement or repeated herein. B. THE WORK. Contractor shall perform all the Work required bythe Contract Documents for the construction of a New Main Office for Mercantile Trust &Savings Bank, located at 33rd Street and Maine Street, Quincy, Illinois, exceptto the extent specifically indicated in the Contract Documents to be the responsibility ofothers. C. CONTRACT TIME. The Work to be performed under this Contractshall be commenced on September 25, 2006, or upon issuance of all necessary constructionpermits, whichever is later, and Substantial Completion shall be achieved no later than 365calendar days after commencement provided the Owner has executed and returned the Contractby the date first written above, and subject to extension for any delays beyond the controlof Contractor. D. PAYMENTS. The Owner shall pay to CONTRACTOR the ContractSum of Twelve million three hundred fifty two thousand and 00/100 Dollars ($12,352,000.00),subject to adjustment by Change Order as provided in the Contract.
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Based upon Applications for Payment submitted to the Owner, the Owner shall make progresspayments on account of the Contract Sum to Contractor as follows: 1. Upon execution of the Agreement, 6% of the Contract Sumless previous payments. The payment and all futurepayments under this Agreement will be made by wiretransfer of funds to Regions Bank, Birmingham, Alabama foraccount of Clayco, Inc.  2. Until the Work is 50% complete, 10 days after receipt ofapplication for payment, 90% of the portion of theContract Sum properly allocable to labor, materials, andequipment incorporated in the Work and 90% of the portionof the Contract Sum properly allocable to materials andequipment suitably stored at the site or at some otherlocation agreed upon in writing by the Owner andContractor, up to the first day of that month, less theaggregate of previous payments.  3. After the Work is 50% complete and before SubstantialCompletion, 10 days after receipt of application forpayment 100% of the portion of the Contract Sum properlyallocable to labor, materials, and equipment incorporatedin the Work, and 100% of the portion of the Contract Sumproperly allocable to materials and equipment suitablystored at the site or at some other location agreed uponin writing by the Owner and Contractor up to the first dayof that month, less the aggregate of previous payments andretainage.  4. Upon Substantial Completion of the Work, any retainagethen held by Owner shall be due and payable to theContractor; provided, however, that such payment may bereduced by the cost of completing any incomplete Work orthe disputed amount of any unsettled claims, as such costis determined by the Architect, Forum Studio, having anaddress of 2199 Innerbelt Business Center Drive, St.Louis, MO 63114 (hereinafter referred to as “Architect”).  5. The Owner has no liability to the Architect for itscompensation, it being agreed that compensation forarchitectural services is included in the Contract Sumpayable to Contractor.E. DEFINITIONS. The terms used in this Agreement which are inthe General Conditions of the Contract for Construction shallhave the meanings designated in the General Conditions. F. ENUMERATIONS OF DRAWINGS, SPECIFICATIONS & DOCUMENTS.
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  The following documents developed under Phase III of the TEAM Agreement dated August25, 2005, between the Owner and Contractor are (except for Modifications issued after theexecution of this Agreement) the Contract Drawings, Specifications and Documents: **•** Agreement;  **•** General Conditions;  **•** Specifications prepared by Architect dated August 21, 2006  **•** List of Drawings all dated August 21, 2006. C1, C2,C3, C4, C5, C6, C6.1, C7,C8, C9, C10, C11, C12, C13, C14(prepared by stock & Associates); TS, A0-01, A0-02, A0-03, A0-04, A1-01, A1-02, A1-03,A2-01A, A2-201B, A2-02B, A2-02B, A2-03, A2-04, A3-01, A3-02, A3-03, A4-01, A4-02, A5-01,A5-02, A5-03, A6-01, A6-02, A6-03, A7-01, A7-02, A7-03, A7-04, A7-05, A8-01, A8-02, A8-03,A8-04, A8-10, A8-11, A8-12, A8-13, A9-01, A9-02, A09-03, A09-04, A10-01, A10-02, A11-01,A11-02, A11-03, A11-04, A11-05, A11-06 (prepared by Forum Studio); S1-1, S1-2, S1-3, S2-1,S2-1A, S2-2, S2-3, S2-4, S3-1, S3-2, S4-1, S4-2, S5-1, S6-1 (prepared by Alper Audi) ;MEP1.0, M1.0, M1.1, M2.0, M2.1, M2.2, M3. 0, M3.1, M3.2, P1.0, P1.1, P2.0, P2.1, P2.2,P3.0, P4.0, E1.0, E1.1, E2.0, E2.1, E2.2, E3.0, E3.1, E3.2, E4.0 (prepared by G & WEngineering).G. ARCHITECT. The Architect will provide general administration of the Contract per Article 2of the General Conditions. H. CONTRACT TIME AND CONTRACT SUM. The Contract Time andContract Sum are based upon this Agreement being signed by the Owner on or before August24, 2006. I. GOVERNING CODE. The governing code officials have not completed their review of theContract Drawings and Specifications at the time of execution of this Agreement, and anychanges required for their final approvals will be incorporated into the Contract by awritten modification issued pursuant to the General Conditions. J. ADDITIONAL DESIGN SERVICES OF THE ARCHITECT Preparing drawings, specifications,estimates, and other supporting data for proposed Changes in the Work requested by theOwner shall be considered Additional Services and the Contractor shall be reimbursed bythe Owner for the cost thereof. Such Additional Services shall be added to the ContractSum by Change Order as defined in Article 12 of the General Conditions.
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K. AMERICANS WITH DISABILITIES ACT (ADA). The Department of Justice issued its finalrule and Accessibility Guidelines for Building and Facilities on July 26, 1991 implementingTitle III of the ADA with regard to public accommodation and commercial facility requirementsfor new construction. At present, there is no reviewing authority established to review theContract Documents with regard to their specific compliance with Title III of the ADA.Contractor has attempted in good faith, when questions of interpretation have arisen, toinclude in the Contract Documents the requirements of Title III of the ADA. Should aninterpretation be issued after contract execution and during construction by agencies havingjurisdiction over compliance which would require a change to the Contract Documents, then anysuch change, if acceptable to all parties, shall be incorporated into the Contract Documentsby a modification issued pursuant to the General Conditions. L. PRIORITY OF CONTRACT DOCUMENTS. The Contract Documents are intended to complement andsupplement each other, and, in general, to the extent there are any other conflicts betweenthe various Contract Documents, as between Owner and Contractor, the following relative ordershall apply:1. Change orders2. This Agreement3. General Conditions4. Drawings and Specifications, provided, however, that theDrawings shall have priority over the other ContractDocuments as to location and quantity, and the specificationsshall have priority over other Contract Documents as toquality and performance. M. The Contractor will enter into a direct contractual relationship with the Architect,engineers, and other design professionals to provide the design of the Project. The Owneracknowledges and agrees that the Contractor is not a licensed architect or engineer and isnot agreeing to perform design services which require such a license in the State in whichthe Project is located. Such design services will be performed by licensed architects,engineers and design build subcontractors under separate agreements, and said designprofessionals shall be solely responsible for the accuracy and professional quality of theservices provided thereby. The fees and expenses of those design professionals contractedand paid for the Contractor shall be included as part of the Contract Sum.
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 N. The Owner represents that it is the owner of fee simpletitle to the land on which the Project will be constructed.  O. The Owner will obtain and maintain at all times Builder’s Risk insurance for the Project andsuch insurance shall name Contractor as an additional insured. Current evidence of suchinsurance shall be furnished to the Contractor on request.
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***THIS AGREEMENT CONTAINS A BINDING ARBITRATION PROVISION WHICH MAY BE ENFORCED BY THE PARTIES.***This Agreement executed the day and year first above written.       OWNER: Mercantile Trust & Savings Bank Quincy, Illinois           BY:             Its: President & CEO           DATE: 8/24/06                CONTRACTOR: Clayco, Inc           BY:             Its: CEO    DATE:           
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