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                                                                    EXHIBIT 10.9
                        OFFICER'S DEATH BENEFIT AGREEMENT



         THIS AGREEMENT, made this 22nd day of April 2003, by and between
Naugatuck Valley Savings and Loan, S.B., a banking corporation organized and
existing under the laws of the United States of America, hereinafter referred to
as the "Bank", and John C. Roman, hereinafter referred to as the "Officer".

                                  WITNESSETH:

         WHEREAS, the Officer is currently retained by the Bank;

         WHEREAS, the Bank recognizes the valuable services heretofore performed
for it by the Officer;

         WHEREAS, the Bank desires to retain the valuable service and loyalty of
the Officer and to induce the Officer to remain with the Bank;

         WHEREAS, the Officer wishes to be assured that his beneficiary will be
entitled to a certain benefit for some definite period of time from and after
the Officer's death;

         WHEREAS, the Bank intends to purchase for its own benefit a life
insurance policy on the life of the Officer; and

         WHEREAS, the Bank desires to provide a lesser death benefit from said
life insurance proceeds payable by Bank to the designated beneficiary of the
Officer in the event of his death under certain circumstances as well as other
such benefits as set forth herein, and both parties desire to enter into this
Agreement to evidence the terms and conditions of such benefits;

         NOW, THEREFORE, in consideration of the mutual covenants and Agreements
herein contained, it is agreed as follows:

         Upon the death of the Officer, a death benefit will be payable to his
         designed beneficiary. The death benefit payable pursuant to this
         subparagraph shall be Twenty-five Thousand and 00/100ths dollars
         ($25,000.00) paid in a lump sum.

         1.       The Death benefit payable pursuant to the paragraph above
                  shall be paid to the beneficiary or beneficiaries irrevocably
                  designated by the Officer by written instrument delivered to
                  the Bank within six (6) months of the date hereof. If no such
                  designation is made within said time period, or if all
                  designated beneficiaries predecease the Officer, such death
                  benefit shall be paid as follows:

                  a)       To Officer's spouse, if living; or if not,
                  b)       To Officer's lawful descendants, per stirpes, then
                           living; or if none,
                  c)       To the duly appointed legal representative of the
                           Officer; or
                  d)       If there shall be no such legal representative duly
                           appointed and qualified within six (6) months of the
                           date of death of the Officer, then to such persons
                           as, at the date of his death, would be entitled to
                           share in the distribution of his/her personal estate
                           under the provisions of the State of Connecticut
                           statute then in force governing the descent of
                           intestate property, in the proportions specified in
                           such statute.

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                  2.       Every notice or other communication required by or
                           appropriate to this Agreement from any party shall be
                           in writing addressed to the Bank at 333 Church
                           Street, Naugatuck, CT 06770, or to John C. Roman at
                           90 Parish Drive, Kensington, CT 06037; or to such
                           other addresses as shall have been specified by
                           notice given as herein provided. Any such notice or
                           other communication shall be deemed to have been
                           given on the third business day after it is sent by
                           certified mail, postage prepaid, addressed as
                           aforesaid.

                  3.       Suicide. Notwithstanding anything to the contrary in
                           this Agreement, the benefits otherwise provided
                           herein shall not be payable if the Officer's death
                           results from suicide, whether sane or insane, within
                           two years after the execution of this Agreement.

                  4.       This document sets forth the entire Agreement and
                           understanding between the parties hereto representing
                           the death benefit payable by the Bank upon the death
                           of the Officer and merges all prior discussions
                           between them with respect to that subject matter
                           only, and not party shall be bound by any
                           representation, definition, condition or provision
                           other than as expressly stated in this Agreement or
                           as subsequently set forth in an amendment hereto
                           adopted in the manner provided above.

                  5.       Officer agrees on behalf of himself, his heirs,
                           executors and administrators and any other person or
                           persons claiming any benefit under his by virtue of
                           this Agreement that this Agreement and all rights,
                           interests and benefits hereunder shall not be
                           assigned, transferred, pledged or hypothecated in any
                           way by the Officer or by any beneficiary, heir,
                           executor, administrator or other person claiming
                           under the Officer by virtue of this Agreement and
                           shall not be subject to execution, attachment or
                           similar process. Any attempted assignment, transfer,
                           pledge or hypothecation or any other disposition of
                           such rights, interests and benefits contrary to the
                           foregoing provisions or the levy or any execution,
                           attachment or similar process thereon shall be null
                           and void and without effect.

                  6.       This Agreement shall be binding upon and inure to the
                           benefit of the parties hereto and their respective
                           heirs, personal representatives and successors, and
                           any successor to the Bank shall be deemed substituted
                           for the Bank under the terms of this Agreement. As
                           used herein, the term "successor" shall include any
                           person, firm, corporation or any other business
                           entity which, at any time, whether by consolidation,
                           merger, purchase or otherwise, acquires all or
                           substantially all of the assets or business of the
                           Bank.

                  7.       The validity, construction and enforceability of this
                           Agreement shall be governed in all respects by the
                           laws of the United States of America.

                  8.       Nothing contained in this Agreement shall be
                           construed to be a contract for employment for any
                           term of years, nor as conferring upon the Officer the
                           right to continue employment with the Bank in the
                           Officer's present capacity. It is not intended as a
                           current employment contract.

                  9.       Notwithstanding any of the preceding provisions of
                           the Agreement, neither the Bank, nor any individual
                           acting as an Officer or agent of the Bank or as a
                           Member of the Board of Directors, shall be liable to
                           any Officer, former Officer, or any other person for
                           any claim, loss, liability or expense incurred in
                           connection with the Agreement.

                  10.      Nothing contained in this Agreement shall affect the
                           right of the Officer to participate in, or be covered
                           by, any qualified or non-qualified pension, profit
                           sharing, group, bonus or other



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                           supplemental compensation or fringe benefit Agreement
                           constituting apart of the Bank's existing or future
                           compensation structure.

                  11.      This Agreement may be executed in multiple
                           counterparts, each of which shall be deemed an
                           original and which shall constitute but one and the
                           same Agreement, which shall be sufficiently evidenced
                           for all purposes by anyone executed counterpart.

                  12.      This Agreement cannot be amended except by the
                           written mutual consent of both parties hereto.

                  IN WITNESS WHEREOF, the parties have caused this Agreement to
be executed on this 22nd day of April, 2003.



                                           /s/ John C. Roman
                                           ------------------------------------
                                           Officer


                                           NAUGATUCK VALLEY SAVINGS
                                           AND LOAN, S.B.
                                           Naugatuck, CT


                                           By: /s/ Dominic J. Alegi, Jr.
                                               --------------------------------
                                               Executive Vice President
                                               Title


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