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                                                                   EXHIBIT 10(c)


                                                                  EXECUTION COPY


                              CONSULTING AGREEMENT


         Consulting Agreement (the "AGREEMENT"), dated as of April 10, 2002,
between Abington Bancorp, Inc. ("ABINGTON") and Paul C. Green (the "EXECUTIVE").

                                   WITNESSETH:

         WHEREAS, Abington has determined that it is in the best interests of
its shareholders to ensure that Abington will have the continued dedication of
the Executive following the merger of Massachusetts Fincorp, Inc. ("FINCORP"), a
Delaware corporation, with and into Abington (the "MERGER") pursuant to an
Agreement and Plan of Merger, dated as of the date hereof, between Abington and
Fincorp (the "MERGER AGREEMENT"), and to provide Abington after the Merger with
continuity of management; and

         WHEREAS, in order to accomplish these objectives, the Executive and
Abington desire to enter into this Agreement;

         NOW, THEREFORE, in consideration of the foregoing and the mutual
covenants set forth herein, the parties hereto agree as follows:

         1.   EFFECTIVE DATE. The "EFFECTIVE DATE" shall mean the effective
               date of the Merger.

         2.   CONSULTING SERVICES.

         (a) During the six-month period commencing on the Effective Date (the
"CONSULTING PERIOD"), the Executive undertakes to provide his personal advice
and counsel to Abington regarding its operations, customer relationships, growth
and expansion opportunities and other business matters that may arise in
connection with Abington's planned expansion in the Boston, Massachusetts
metropolitan area (collectively, the "CONSULTING SERVICES"), subject to the
terms and conditions of this Agreement.

         (b) The Executive shall provide Consulting Services as may be
reasonably requested by the Chief Executive Officer of Abington or his designee
from time to time and at mutually agreeable times. It is contemplated that the
Consulting Services will include, without limitation, monthly meetings between
the Executive and the Chief Executive Officer of Abington; efforts by the
Executive to enhance Abington's business activities in the Boston, Massachusetts
metropolitan area, including without limitation meeting with potential customers
of Abington located in these areas; attendance at certain public functions in
the Boston, Massachusetts metropolitan area on behalf of Abington and its
subsidiaries; attendance at certain meetings of the Board of Directors of
Abington to report on the Boston, Massachusetts metropolitan area and attendance
at certain functions of Abington. Consulting Services may be provided in person,
telephonically, electronically or by correspondence to the extent appropriate
under the circumstances.

         (c) The Executive shall provide the Consulting Services in the Boston,
Massachusetts metropolitan area, including without limitation the market areas
of The Massachusetts Co-operative Bank prior to its acquisition by Abington.


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         3. INDEPENDENT CONTRACTOR. The Executive shall be treated as an
independent contractor and shall not be deemed to be an employee of Abington or
any subsidiary or other affiliate of Abington for any purpose.

         4. NON-COMPETE. The Executive agrees that during the Consulting Period
the Executive will not (i) solicit or induce, or cause others to solicit or
induce, any employee of Abington or any of its subsidiaries to leave the
employment of such entities or (ii) solicit (whether by mail, telephone,
personal meeting or any other means) any customer of Abington or any of its
subsidiaries to transact business with any other entity, or to reduce or refrain
from doing any business with Abington or its subsidiaries, or interfere with or
damage (or attempt to interfere with or damage) any relationship between
Abington or its subsidiaries and any such customers. In addition, the Executive
agrees that during the Consulting Period the Executive will not compete in
Southeastern Massachusetts (as hereinafter defined) with the banking-related
business of Abington; provided, however, that the Executive will not be in
violation of the requirements of the preceding clause of this sentence if he
were to become employed by a financial services provider that competed with
Abington in Southeastern Massachusetts for so long as no substantial portion of
his services for such entity involved the solicitation of customers. For
purposes of this Agreement "SOUTHEASTERN MASSACHUSETTS" shall mean and include
the following portions of The Commonwealth of Massachusetts: Norfolk and
Plymouth Counties, the City of Boston, and the City of Quincy together with all
other cities and towns that are geographically contiguous to Quincy.

         5. CONFIDENTIALITY. Except (i) in the course of providing Consulting
Services hereunder or (ii) as required by law or regulation (including without
limitation in connection with any judicial or administrative process or
proceeding), the Executive shall keep secret and confidential and shall not
disclose to any third party in any fashion or for any purpose whatsoever any
information regarding Abington, Fincorp or any of their respective subsidiaries
which is not available to the general public to which he has or will have had
access at any time during the course of his employment by Fincorp or its
subsidiaries or his consultancy with Abington, including, without limitation,
any such information relating to: business or operations; plans, strategies,
prospects or objectives; products, technology, processes or specifications;
research and development operations or plans; distribution, sales, service,
support and marketing practices and operations; financial condition, results of
operations and prospects; operational strengths and weaknesses; and personnel
and compensation policies and procedures. This restriction shall not apply to
information approved by Abington for public dissemination (e.g., news releases),
information which is already in the public domain, information made available to
the public by Abington, or information known to the Executive prior to
Abington's disclosure to the Executive. This obligation shall extend beyond the
expiration or termination of this Agreement for a period of one year, unless
rescinded in writing by Abington.

         6. INJUNCTIVE RELIEF. The Executive agrees that damages at law will be
an insufficient remedy to Abington in the event that the Executive violates any
of the provisions of Sections 4 or 5, and that Abington may apply for and, upon
the requisite showing, have injunctive relief in any court of competent
jurisdiction to restrain the breach or threatened or attempted breach of or
otherwise to specifically enforce any of the covenants contained in Sections 4
or 5. The Executive hereby consents to any injunction (temporary or otherwise)
which may be issued against the Executive and to any other court order which may
be issued against the Executive from violating, or directing the Executive to
comply with, any of the covenants in Sections 4 and 5. The Executive also agrees
that such remedies shall be in addition to any and all remedies, including
damages, available to Abington against the Executive for such breaches or
threatened or attempted breaches.

         7. BASIC CONSULTING PAYMENTS. In consideration of the obligations and
agreements of the Executive hereunder, Abington agrees to pay to the Executive
compensation during the six-month Consulting Period an aggregate of $100,000,
payable in equal monthly installments commencing not later


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than fifteen days after the Effective Date and continuing on the same day of
each of the succeeding months thereafter during the Consulting Period.

         8. SPECIAL PROJECTS; ADDITIONAL CONSULTING SERVICES. In addition to the
Consulting Services described in Section 2, the Executive has agreed to provide
the additional services described below in this Section 8 ("SPECIAL PROJECTS")
to Abington. Abington understands that the Executive has been directly involved
with the design, implementation and operation of the data processing system
utilized by Fincorp and has spent considerable time assessing and analyzing the
problems raised by the former Quin Oil Site located at 70 Quincy Avenue, Quincy,
Massachusetts (the "FORMER QUIN OIL SITE"). Abington has concluded that, if the
Executive were not prepared to assist it in connection with its resolution of
the Special Projects, it would be required to hire third party consultants to
provide to Abington the information, background and knowledge possessed by the
Executive. The Executive is willing to offer advice about the Special Projects
for a fee that would, in Abington's judgment, be less costly to Abington than
the cost of engaging such third party consultants. The Executive has agreed to
provide, as additional Consulting Services, advice and assistance concerning the
following Special Projects:

            (a) assist Abington with the integration of Fincorp's data
processing system with and into Abington's data processing system; and

            (b) be responsible for overseeing the filing of all reports required
to be filed with the Massachusetts Department of Environmental Protection or any
other governmental authority with respect to the Former Quin Oil Site.

         9. ADDITIONAL PAYMENTS FOR SPECIAL PROJECTS.

            (a) In consideration of the obligations and agreements of the
Executive under Section 8(a) of this Agreement, Abington agrees to pay to the
Executive the amount of $65,000, payable in a lump sum within 15 days after the
successful integration of Fincorp's data processing system with Abington's data
processing system.

            (b) In consideration of the obligations and agreements of the
Executive under Section 8(b) of this Agreement, Abington agrees to pay to the
Executive the amount of $45,000, payable in a lump sum within 15 days after the
final report required to be filed has been filed with the Massachusetts
Department of Environmental Protection or other governmental authority with
respect to the Former Quin Oil Site.

        10. PAYMENT MECHANICS.

            (a) Payments to the Executive under this Agreement may be paid by
Abington by check mailed to the address of the Executive set forth in Section 15
hereof or at such other address as the Executive may notify Abington in
accordance with the terms of such section.

            (b) If any payment is required to be made on a day which is not a
business day, payment shall be made on the first business day thereafter, and no
interest shall accrue on any such payment for the intervening period. For
purposes of this Agreement, the term "BUSINESS DAY" means any day other than a
Saturday, a Sunday or a day on which banking institutions in The Commonwealth of
Massachusetts are authorized by law, regulation or executive order to remain
closed.


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        11. NATURE OF PAYMENT OBLIGATIONS.

            (a) Except as otherwise provided in Section 11(b) hereof, Abington's
obligation to pay the Executive the benefits and payments provided in Section 7
hereof shall be absolute and unconditional and shall not be affected by any
circumstances, including, without limitation, any purported termination of this
Agreement, other than pursuant to Section 11(b) hereof, set-off, counterclaim,
recoupment, defense or other right which Abington may have against the Executive
or anyone else, and each and every such payment made or benefit provided shall
be final and Abington shall not seek to recover all or any part of any such
payment or benefit from the Executive or from whomsoever may be entitled thereto
for any reason whatsoever.

            (b) Notwithstanding the provisions of Section 11(a), if the
Executive materially breaches any of his obligations hereunder, Abington may
terminate this Agreement (after providing to the Executive reasonable notice and
an opportunity to cure) by written notice of termination provided to the
Executive, and thereafter the Executive shall be entitled to no further benefits
and payments under the terms of this Agreement. Except as provided in this
Section 11(b), Abington shall have no right to terminate this Agreement or the
payments to be made hereunder.

        12. REPRESENTATIONS AND WARRANTIES. Abington and the Executive represent
and warrant to each other that they have carefully read this Agreement and
consulted with respect thereto with their respective counsel and that each of
them fully understands the content of this Agreement and its legal effect. Each
party hereto also represents and warrants that this Agreement is a legal, valid
and binding obligation of such party which is enforceable against it in
accordance with its terms.

        13. ENGAGING IN NONCOMPETITIVE OPERATIONS. Abington recognizes that the
Consulting Services do not constitute full-time employment for the Executive.
The Executive shall have the right to engage in other business activities
(subject, however, to the noncompetition provisions of Section 4 of this
Agreement) while providing Consulting Services to Abington, provided, however,
that notwithstanding any other engagement or employment, the Executive shall be
obligated to continue to be available to provide Consulting Services to Abington
at its facilities as it may require upon reasonable advance notice until the end
of the Consulting Period.

        14. SUCCESSORS AND ASSIGNS. This Agreement will inure to the benefit of
and be binding upon the Executive and his heirs, successors and assigns, and
upon Abington, including any successor to Abington by merger or consolidation or
any other change in form or any other person or firm or corporation to which all
or substantially all of the assets and business of Abington may be sold or
otherwise transferred. This Agreement may not be assigned by any party hereto
without the consent of the other party.

        15. NOTICES. Any communication to a party required or permitted under
this Agreement, including any notice, direction, designation, consent,
instruction, objection or waiver, shall be in writing and shall be deemed to
have been given at such time as it is delivered personally, or five (5) days
after mailing if mailed, postage prepaid, by registered or certified mail,
return receipt requested, addressed to such party at the address listed below or
at such other address as one such party may by written notice specify to the
other party or parties, as applicable:

               If to the Executive:

                   Paul C. Green
                   3 Barker Road
                   Acton, MA  01720


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               If to Abington:

                   Abington Bancorp, Inc.
                   536 Washington Street
                   Abington, Massachusetts 02351
                   Attention:  President

        16. WITHHOLDING. Abington may withhold from any amounts payable under
this Agreement such Federal, state, local or foreign taxes as shall be required
to be withheld pursuant to any applicable law or regulation.

        17. ENTIRE AGREEMENT; SEVERABILITY.

            (a) This Agreement and the Payments Agreement dated as of the date
hereof incorporate the entire understanding among the parties relating to the
subject matter hereof, recites the sole consideration for the promises exchanged
and supersedes any prior agreements between Abington and the Executive with
respect to the subject matter hereof. In reaching this Agreement, no party has
relied upon any representation or promise except those set forth herein.

            (b) Any term or provision of this Agreement which is invalid or
unenforceable in any jurisdiction shall, as to that jurisdiction, be ineffective
to the extent of such invalidity or unenforceability without rendering invalid
or unenforceable the remaining terms and provisions of this Agreement or
affecting the validity or enforceability of any of the terms or provisions of
this Agreement in any other jurisdiction. If any provision of this Agreement is
so broad as to be unenforceable, the provision shall be interpreted to be only
so broad as is enforceable. In all such cases, the parties shall use their
reasonable best efforts to substitute a valid, legal and enforceable provision
which, insofar as practicable, implements the original purposes and intents of
this.

        18. WAIVER. Failure to insist upon strict compliance with any of the
terms, covenants or conditions hereof shall not be deemed a waiver of such term,
covenant or condition. A waiver of any provision of this Agreement must be made
in writing, designated as a waiver and signed by the party against whom its
enforcement is sought. Any waiver or relinquishment of any right or power
hereunder at any one or more times shall not be deemed a waiver or
relinquishment of such right or power at any other time or times.

        19. COUNTERPARTS. This Agreement may be executed in two or more
counterparts, each of which shall be deemed an original, and all of which shall
constitute one and the same Agreement.

        20. GOVERNING LAW. This Agreement shall be governed by and construed
and enforced in accordance with the laws of The Commonwealth of Massachusetts
applicable to agreements made and entirely to be performed within such
jurisdiction.

        21. HEADINGS. The headings of sections in this Agreement are for
convenience of reference only and are not intended to qualify the meaning of any
section. Any reference to a section number shall refer to a section of this
Agreement, unless otherwise stated.

        22. REGULATORY LIMITATIONS. Any payments made to the Executive pursuant
to this Agreement, or otherwise, are subject to and conditioned upon their
compliance with 12 U.S.C. Section 1828(k) and any regulations promulgated
thereunder.

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        23. EFFECTIVENESS. Notwithstanding anything herein to the contrary, the
effectiveness of this Agreement shall be subject to consummation of the Merger
in accordance with the terms of the Merger Agreement, as the same may be amended
by the parties thereto in accordance with its terms.

        IN WITNESS WHEREOF, Abington and the Executive have entered into this
Agreement as of the day and year first above written.

                                         ABINGTON BANCORP, INC.


                                         By: /s/ James P. McDonough
                                            ----------------------------------
                                             James P. McDonough, President
                                             and Chief Executive Officer




                                             /s/ Paul C. Green
                                            ----------------------------------
                                             Paul C. Green




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