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Exhibit 10.9

Standard Agreement for Advances, Pledge and Security Agreement between Brenton 
Bank and the Federal Home Loan Bank of Des Moines.  
     64

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FEDERAL HOME LOAN BANK OF DES MOINES
Des Moines, Iowa

AGREEMENT FOR ADVANCES, PLEDGE AND SECURITY AGREEMENT

Blanket Pledge

     This Agreement for Advances, Pledge and Security Agreement 
("Agreement"), effective the 16th day of DECEMBER 1993, is entered 
between BRENTON FIRST NATIONAL BANK ("Member"), with principal 
offices at 1606 BRADY, DAVENPORT, IA 52803 and the Federal Home 
Loan Bank of Des Moines ("Bank"), with principal offices at 907 
Walnut, Des Moines, Iowa 50309.

     WHEREAS, The Bank in accordance with the Federal Home Loan 
Bank Act, regulations and directives of the Federal Housing 
Finance Board, and policies promulgated by its own Board, makes 
available advances to its members. The available advances are set 
forth by the Bank in a statement of "Credit Policy," as may be 
amended from time to time.

     WHEREAS, The Member may, from time to time, apply for an 
advance or advances which may be available to it.

     NOW THEREFORE, For valuable consideration and with respect to 
each and every such advance, the Parties agree as follows:

     SECTION 1. CONFIRMATION OF ADVANCE. To be bound by the terms 
and conditions set forth herein, in the confirmation of advance 
issued with respect to each advance, and in the Bank's Credit 
Policy as may be amended from time to time. A confirmation of 
advance shall mean a writing or machine readable electronic 
transmission in such form or forms as may be determined by the 
Bank from time to time.

     SECTION 2. PAYMENT TO THE BANK. To repay each and any advance 
together with interest thereon according to the confirmation of 
each such advance communicated to the Member by the Bank, together 
with any unpaid costs and expenses in connection therewith. Such 
payment shall be made at the office of the Bank in Des Moines, 
Iowa, or at such other place as the Bank, or its successors or 
assigns, may from time to time appoint in writing.

     The default rate on past due principal and interest may, at 
the option of the Bank, be at a rate 1% per annum higher than the 
then current rate being charged by the Bank for advances.

     SECTION 3. ASSIGNMENT TO BANK OF SECURITY INTEREST IN BANK 
STOCK. The Member hereby assigns, transfers and pledges to the 
Bank, its successors or assigns, all stock of the Federal Home 
Loan Bank of Des Moines owned by the Member as collateral security 
for payment of any and all indebtedness, whether in the nature of 
an advance or otherwise, of the Member to the Bank, its successors 
and assigns.

     SECTION 4. ASSIGNMENT OF SECURITY INTEREST IN OTHER 
COLLATERAL. As additional collateral security for any and all such 
advances, Member assigns, transfers, and pledges to the Bank, its 
successors or assigns, each and every note or other instrument 
evidencing a debt and any mortgage, deed of trust, title, or 
document of title securing it; all securities (including, but not 
limited to mortgage-backed securities issued or guaranteed by the 
Federal Home Loan Mortgage Corporation, the Federal National 
Mortgage Association, obligations of or guaranteed by the United 
States or an agency thereof, share certificates or other 
participation interests in any securities trust, mortgage loan 
participation certificates); all contract for deeds, all chattel 
paper; any chose in action; all general intangibles; all deposit 
accounts; certificates of deposit; and proceeds from any of the 
above (hereinafter "Collateral"). With respect to such Collateral, 
Member undertakes and agrees as follows:

     A. That such security interest shall extend to after acquired 
Collateral of a similar nature;

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     B. That the Member shall be at liberty to use, commingle, and 
dispose of all or part of the Collateral, and to collect, 
compromise, and dispose of the proceeds of the Collateral without 
being required to account for the proceeds or replace the 
Collateral subject only to its obligation to maintain the 
Collateral as herein provided;

     C. To keep and maintain such Collateral free and clear of 
pledges, liens, and encumbrances to others at the required 
collateral maintenance level. The "required collateral maintenance 
level" means the amount of collateral the member is required to 
maintain free and clear of pledge, liens, and encumbrances to 
others as set forth from time to time in the Credit Policy;

     D. To assemble and deliver Collateral to the Bank or its 
authorized agents immediately upon demand of the Bank, and as 
specified by the Bank in its Credit Policy from time to time, and 
to pay for the safekeeping collateral as established by the Bank;

     E. To make, execute, and deliver to the Bank such 
assignments, endorsements, listings, powers, financing statements 
or other instruments as the Bank may reasonably request respecting 
such Collateral.

     SECTION 5. DUTY TO USE REASONABLE CARE. In the event Member 
delivers security to Bank or its Agent pursuant to paragraph 4 
above, the duty of the Bank with respect to said security shall be 
solely to use reasonable care in the custody and preservation of 
the security in its possession.

     SECTION 6. ADDITIONAL SECURITY. Member shall assign 
additional or substituted Collateral for such advances at any time 
the Bank shall deem it necessary for the Bank's protection.

     SECTION 7. EVENTS OF DEFAULT. The Bank may consider the 
Member in default hereunder upon the occurrence of any of the 
following events or conditions:

     A. Failure of the Member to pay any interest, or repay any 
principal, of any advances as herein required; or

     B. Breach or failure to perform by the Member of any 
covenant, promise, condition, obligation or liability contained or 
referred to herein, or any other agreement to which the Member and 
the Bank are parties; or

     C. Proof being made that any representations, statements or 
warranty made or furnished in any manner to the Bank by or on 
behalf of the Member in connection with all or part of any advance 
was false in any material respect when made or furnished; or

     D. Loss, theft, damage, destruction, sale or encumbrance to 
or of any of the Collateral except as herein permitted, or the 
making of any levy, seizure or attachment thereof or therein; or

     E. Any tax levy, attachment, garnishment, levy of execution 
or other process issued against the Member or the Collateral; or

     F. Any suspension of payment by the Member to any creditor or 
any events which result in acceleration to the maturity of any 
indebtedness of the Member to others under any indenture, 
agreement or undertaking, or

     G. Application for, or appointment of, a receiver of any part 
of the property of the Member, or in case of adjudication of 
insolvency, or assignment for benefit of creditors, or general 
transfer of assets by the Member, of if management of the Member 
is taken over by any supervisory authority, or in case of any 
other form of liquidation, merger, sale of assets or voluntary 
dissolution, or upon termination of the membership of the Member 
in the Federal Home Loan Bank of Des Moines, or in the case of 
advances made under the provisions of 12 U.S.C. Section 
1431(g)(4), if at any time thereafter the creditor liabilities of 
the Member, excepting its liabilities to the Bank, are increased 
in any manner to an amount exceeding 5% of its net assets; or

     H. Determination by the Bank that a material adverse change 
has occurred in the financial condition of the Member from that 
disclosed at the time of the making of any advance, or from the 
condition of the Member as theretofore most recently disclosed to 
the Bank in any manner; or

     I. If the Bank reasonably and in good faith deems itself 
insecure even though the Member is not otherwise in default.

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     SECTION 8. BANK REMEDIES IN THE EVENT OF DEFAULT. At any time 
after any default as herein before provided, the Bank may, at its 
option, declare the entire amount of any and all advances to be 
immediately due and payable. The Bank shall have all of the 
remedies of a secured party under the Uniform Commercial Code of 
the State of Iowa. In addition thereto, the Bank may take 
immediate possession of any of the Collateral or any part thereof 
wherever the same may be found. The Member agrees to pay all the 
costs and expenses of the Bank in the collection of the secured 
indebtedness and enforcement of the Bank's rights hereunder 
including, without limitation, reasonable attorney's fees. The 
Bank may sell the Collateral or any part thereof in such manner 
and for such price as the Bank deems appropriate without any 
liability for any loss due to decrease in the market value of the 
Collateral during the period held. The Bank shall have the right 
to purchase all or part of the Collateral at public or private 
sale. If any notification of intended disposition of any of the 
Collateral is required by law, such notification shall be deemed 
reasonable and properly given if mailed, postage prepaid, at least 
five days before any such disposition to the address of the Member 
appearing on the records of the Bank. The proceeds of any sale 
shall be applied in the following order: First, to pay all costs 
and expenses of every kind for the care, collection, safekeeping, 
sale, foreclosure, delivery or otherwise respecting the Collateral 
(including expenses incurred in the protection of the Bank's title 
to or lien upon or right in any of the Collateral, expenses for 
legal services of any kind in connection therewith or in making 
any such sale or sales, insurance, commission for sales and 
guaranty); then to interest on all indebtedness of the Member to 
the Bank; then to the principal amount of any such indebtedness 
whether or not such indebtedness is due or accrued. The Bank, at 
its discretion, may apply any surplus to indebtedness of Member to 
third parties claiming a secondary security interest in the 
Collateral. Any remaining surplus shall be paid to the Member.

     SECTION 9. APPOINTMENT OF BANK AS ATTORNEY-IN-FACT. In the 
event of default, and without limiting any other rights the Bank 
might have as a secured party under the Uniform Commercial Code of 
Iowa, or the laws of any jurisdiction under which Bank might be 
exercising rights hereunder, and under this Agreement, Member does 
hereby make, constitute and appoint Bank its true and lawful 
attorney-in-fact to deal with the Collateral and, in its name and 
stead to release, collect, compromise, settle and release or 
record any mortgage of deed or trust which is a part of such 
Collateral as fully as the Member could do if acting for itself. 
The powers herein granted are coupled with an interest, and are 
irrevocable, and full power of substitution is granted to the Bank 
in the premises.

     SECTION 10. AUDIT AND VERIFICATION OF COLLATERAL. In 
extension and not in limitation of all requirements of law 
respecting examination of the Member by or on behalf of the Bank, 
the Member agrees that all Collateral pledged hereunder shall 
always be subject to audit and verification by or on behalf of the 
Bank in its corporate capacity.

     SECTION 11. RESOLUTION TO BE FURNISHED BY MEMBER. Member 
agrees to furnish to the Bank from time to time a certified copy 
of resolution of its Board of Directors or other governing body 
authorizing such of the Member's officers, as the Member shall 
select, to apply for advances from the Bank. Unless the Bank shall 
be otherwise notified in writing, the Bank may honor applications 
made by such officers other than in writing; but, in such event 
the Member shall confirm such application for advance in writing 
on forms furnished by the Bank. But the Member shall forever be 
estopped to deny its obligation to repay such advance whether or 
not an application in writing is ever received by the Bank so long 
only as the advance is made in good faith by the Bank on the 
request of an officer or employee so authorized by the Member.

     SECTION 12. APPLICABILITY OF BANK ACT. In addition to the 
terms and conditions herein specifically set forth, all advances 
are subject to the rights, powers, privileges and duties conferred 
upon the Federal Housing Finance Board, the Federal Home Loan 
Banks, and on member institutions by the Act of Congress entitled, 
"Federal Home Loan Bank Act, as amended."

     SECTION 13. JURISDICTION. In any action or proceeding brought 
by the Bank or the Member in order to enforce any right or remedy 
under this Agreement, Member will submit to the jurisdiction of 
the United States District Court for the Southern District of 
Iowa, or if such action or proceeding may not be brought in 
Federal Court, the jurisdiction of the Iowa District Court in Polk 
County.

     If any action or proceeding is brought by the Member seeking 
to obtain relief against the Bank arising out of this Agreement 
and such relief is not granted by a court of competent 
jurisdiction, the Member will pay all attorney's fees and court 
costs incurred by the Bank in connection therewith.

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     SECTION 14.  CHOICE OF LAW. This Agreement shall be construed 
and enforced according to the laws of the State of Iowa, except 
that the rate of interest on advances hereunder shall be governed 
by the provisions of 12 U.S.C. Section 1430 (as amended).

     SECTION 15. AGREEMENT CONSTITUTES ENTIRE AGREEMENT. This 
Agreement embodies the entire Agreement and understanding between 
the parties hereto relating to the subject matter hereof and 
supersedes all prior agreements between such parties that relate 
to the subject matter except that: The Credit Policy as duly 
adopted by the Bank's Board of Directors from time to time shall 
be incorporated herein, unless agreed to in writing by both 
parties. Advances made by the Bank to Member prior to the 
execution of this Agreement shall continue to be governed 
exclusively by the terms of the prior agreements pursuant to which 
such advances were made, except that (i) any default thereunder 
shall constitute default hereunder, (ii) Collateral furnished as 
security hereunder shall also secure such prior advances and (iii) 
the rights and obligations with respect to such Collateral shall 
be governed by the terms of this Agreement.

     SECTION 16. SECTION HEADINGS. Section headings are not to be 
considered part of this Agreement. Section headings are solely for 
convenience of reference, and shall not effect the meaning or 
interpretation of this Agreement or any of its provisions.

     SECTION 17. SEVERABILITY OF SECTIONS. If any section or 
portion thereof is deemed void in any legal proceeding, the 
remainder of the Agreement shall remain in full force and effect.

     SECTION 18. The person signing this document on behalf of the 
Member represents that its execution was authorized by appropriate 
action of the directors of the Member which was completed on the 
19th day of NOVEMBER, 1993, and that such action is duly reflected 
in the records of the Member.

BRENTON FIRST NATIONAL BANK             FEDERAL HOME LOAN BANK OF 
DES MOINES
(Full Corporate Name of Member)

By:     /s/ Marsha A. Findlay           By:
Title:  Executive Vice President        Title:
         & COO
Date:.  December 16, 1993               Date:


By:     /s/ Nicholas E. Heisdorffer     By:
Title:. Assistant Vice President        Title:
Date:   December 16, 1993               Date:

Revised 5/91