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                                                                   EXHIBIT 10.21

                             FIRSTMERIT CORPORATION
                            LONG TERM DISABILITY PLAN

                        SECTION 1 - POLICY SPECIFICATIONS

1.       Description of Eligible Classes

         Class 1  All Full-time salaried employees
         Class 2  All members of FBOH Executive Committee

2.       Amounts of Insurance

         Class 1

OPTION A 50% (benefit percentage) of basic monthly earnings not to exceed the
maximum monthly benefit, less other income benefits.

OPTION B 60% (benefit percentage) of basic monthly earnings not to exceed the
maximum monthly benefit, less other income benefits.

OPTION C 70% (benefit percentage) of basic monthly earnings not to exceed the
maximum monthly benefit, less other income benefits.

         Note: This benefit is subject to reductions for earnings as provided in
         the Monthly Benefit section of this Policy.

The maximum monthly benefit is $15,000.

         Class 2

OPTION A

66 2/3% (benefit percentage) of basic monthly earnings not to exceed the maximum
monthly benefit, less other income benefits.

         Note: This benefit is subject to reductions for earnings as provided in
         the Monthly Benefit section of this policy.

The maximum monthly benefit is $25,000.

FOR ALL OPTIONS


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The minimum monthly benefit is the greater of:

1.       $100.00; or

2.       10% of the monthly benefit before deductions for other income benefits.

Maximum Benefit Period

Class 1 & 2


                    Age at Disability                  Maximum Benefit Period
                    -----------------                  ----------------------
                     Less than age 60                     To age 65 but not
                                                         less than 60 months
                            60                                60 months
                            61                                48 months
                            62                                42 months
                            63                                36 months
                            64                                30 months
                            65                                24 months
                            66                                21 months
                            67                                18 months
                            68                                15 months
                       69 and Over                            12 months

Elimination Period

         180 days

Minimum Requirement for Active Employment:  30 hours per week
Definition of Basic Monthly Earnings

Class 1

"Basic monthly earnings" means the insured's monthly rate of earnings from the
employer in effect just prior to the date disability begins. It does not include
commissions, bonuses, overtime pay and other extra compensation.




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Class 2

"Basic monthly earnings" means the insured's monthly rate of earnings from the
employer in effect just prior to the date disability begins. It includes
bonuses, but not commissions, overtime pay or other extra compensation.

Bonuses will be averaged for the lesser of:

1.       the 12 month period of employment just prior to the date disability
         begins; or

2.       the period of employment.


WAITING PERIOD:

1.       Employees in an eligible class on or before the policy effective date:

         Class 1: 90 days of employment.

         Class 2: None

2.       Employees entering an eligible class after the policy effective date:

         Class 1: 90 days of employment.

         Class 2: None

The employee must be in continuous active employment in an eligible class during
the specified waiting period.

Contributions:

         Class 1

         Both the employer and the employees pay for the plan.

         Class 2

         The employer pays for the plan.

Note:    Coverage for which contributions are required applies only if proper
         enrollment is made and the required contributions are made.




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Class 1

MENTAL ILLNESS LIMITATION

Benefits for disability due to mental illness will not exceed 24 months of
monthly benefit payments unless the insured meets one of these situations.

1.       The insured is in a hospital or institution at the end of the 24-month
         period. The monthly benefit will be paid during the confinement.

         If the insured is still disabled when he is discharged, the monthly
         benefit will be paid for a recovery period of up to 90 days.

         If the insured becomes reconfined during the recovery period for at
         least 14 days in a row, benefits will be paid for the confinement and
         another recovery period up to 90 more days.

2.       The insured continues to be disabled and becomes confined:

         a.       after the 24-month period; and

         b.       for at least 14 days in a row.

         The monthly benefit will be payable during the confinement.

The monthly benefit will not be payable beyond the maximum benefit period.

"Hospital" or "Institution" means facilities licensed to provide care and
treatment for the condition causing the insured's disability.

"Mental Illness" means mental, nervous or emotional diseases or disorders of any
type.

Class 2

NO MENTAL ILLNESS LIMITATIONS

Class 2

COST OF LIVING ADJUSTMENT

Eligibility
-----------

An insured will be eligible for cost of living adjustments on the first
anniversary of benefit payments and each following anniversary. But not more
than 10 adjustments may be made during the insured's benefit period.



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Adjustment Amount
-----------------

The Insured's net monthly benefit will be increased by 5%.

Each adjustment will be added to the insured's net monthly benefit and will be
paid monthly.

Maximum Monthly Benefit
-----------------------

Cost of living adjustment increases are not subject to the maximum monthly
benefit.

Net Monthly Benefit
-------------------

The net monthly benefit means the amount determined by reducing the insured's
amount of insurance by other income benefits and any reductions for earnings.
The net monthly benefit will be determined each month. For the purpose of
calculating adjustments, the net monthly benefit will include any prior cost of
living adjustments.