**Exhibit      10.6**

**AGREEMENT**

|   | 1.     | Except                as provided in paragraph 2 below, the Bank will pay the Employee                a                Supplemental Retirement Benefit equal to an annual sum of $30,000.00.                The                Supplemental Retirement Benefit shall be payable in equal monthly                installments of $2,500.00 for 180 consecutive months. The first monthly                payment shall be made on July 1, 2008. All remaining installment                payments                shall be paid on the first day of each of the following 179 calendar                months.                                                                                                                |
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|   | 2.     | If                the Employee dies prior to receiving the full amount of the Supplemental                Retirement Benefit, the Bank shall pay a survivor benefit to Carol                Messier. Such survivor benefit shall be the excess of such amount                as of                the earlier of the Employee's date of death or the date of the last                installment payment, less the portion of the Supplemental Benefit                already                paid, if any. Said survivor benefit shall continue until the earlier                of                the full payment of benefits as provided above or until the death                of said                Carol Messier. |
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|   | 3.     | The                Supplemental Retirement Benefit described herein shall be payable                notwithstanding the Employee’s termination of employment or a change in                control of the Bank prior to July 1, 2008. This Agreement shall be                binding                upon the successors and assigns of the Bank.                                                                                                                                                                                                                                                                                                                                                                    |

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|   | 4.     | Valley                Bank has purchased a life insurance plan on the life of the Employee                in                the amount of $400,000. In the event the Employee dies while actively                employed, Valley Bank shall provide Carol Messier with $200,000 of                the                proceeds of said policy and Valley Bank shall retain $200,000. In                the                event Employee shall retire or terminate his employment voluntarily                or                otherwise, Valley Bank shall exclusively determine to either maintain                the                policy and be entitled to all of the proceeds or terminate the                policy. |
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|   | 5.     | The                agreement shall only be modified by mutual assent in writing of the                parties.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |
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|   | 6.     | This                agreement shall be construed under the Laws of the State of                Connecticut.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |
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|   | 7.     | This                agreement embodies the entire agreement of the parties relating to                the                Employee’s supplemental retirement benefits. This agreement shall                supersede all previous communications, representations or agreements,                either oral or written, between the parties with respect to this                agreement.                                                                                                                                                                                                                                                                                                                              |

| VALLEY                BANK                         | EMPLOYEE                                  |
|----------------------------------------------------|-------------------------------------------|
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| BY                /s/James                J. Pryor | /s/                Robert L. Messier, Jr. |
|                                               | Robert                L. Messier, Jr.     |

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