EXHIBIT 10.6

                                 LEASE AGREEMENT

                             Business and Commercial

This Lease Agreement is made on June 22, 2001

BETWEEN:

FRANK SANTANGELO

whose address is: 70 Park Avenue, Shrewsbury, NJ 07702

herein designated as the "Landlord,"

AND

MONMOUTH COMMUNITY BANK, N.A.

whose address is 627 Second Avenue, P.O. Box 630, Long Branch, NJ 07740-0630

herein designated as the "Tenant."

1. Premises.  The Landlord does hereby lease to the Tenant,  and the tenant does
hereby rent from the Landlord, the following described premises:

Land and building located at 700 Branch Avenue, Little Silver, NJ 07739

2. Term.  For a term of five (5) years  commencing  on  September  1, 2001,  and
ending on August  31,  2006.  In the event  that  Tenant is unable to occupy the
premises as a retail  commercial  bank by  September  1, 2001 due to  Landlord's
inability to obtain possession of the premises presently occupied by Fleet bank,
the term of the Lease will begin on the first day of the month subsequent to the
Landlord's  obtaining possession of the premises from Fleet Bank, and the annual
rent for the period ending August 31, 2002 will be adjusted accordingly.

3. Use. To be used and occupied  only and for no other  purpose than the conduct
of a retail banking  business.  The Tenant shall not, and will not allow others,
to occupy or use the leased  premises or any part thereof for any purposes other
than as herein limited,  nor for any purpose deemed unlawful or extra hazardous,
on account of fire or other casualty.

4. Rent.  Subject to the  provisions of paragraph 2 above,  the Tenant agrees to
pay $360,000.00 as minimum basic rent, to be paid as follows:

     A.   09/1/01 to 8/31/2003: $6,000.00 per month;

     B.   From  09/01/03 to  8/31/06:  the rent will be  calculated  annually in
          accordance with the following formula:

          $6,000.00 (base rent) x CPI 9/1/03, 9/1/04, 9/1/05, respectively
                                  ---------------------------
                                          CPI 9/1/02


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The term "CPI" shall mean the Consumer Price Index currently designated as CPI-W
for New York, New York and Northeastern  New Jersey  presently  published by the
United States Department of Labor Bureau of Labor Statistics (1982=100).  In the
event such index  ceases to exist or is modified,  a  comparable  index shall be
used. In no event will the monthly rent be less than $6,000.00.

All rent is to be paid to  Landlord  at  Landlord's  address on the first day of
each month,  in advance.  The first payment of rent and any security  deposit is
due upon the  signing of the Lease by the  Tenant.  The  Tenant  must pay a late
charge of $300.00 as additional  rent for each payment that is more than 10 days
late.  This late charge is due with the monthly rent payment.  At the signing of
this Lease,  Tenant shall pay Landlord the sum of  $12,000.00  (non-refundable),
which shall be credited to the rent due on the first month and the last month of
the lease term.

4.1 Net Lease;  Rent  Absolute.  Landlord  and  Tenant  agree (a) that this is a
triple net lease,  (b) that tenant,  accordingly,  shall be responsible  for all
obligations  which are normally imposed on the owner of real estate with respect
to the Premises which may accrue during the term including,  without limitation,
responsibility  for the  timely  payment  of all real  estate  taxes  and  other
municipal liens, special assessments, insurance premiums and repair, replacement
and maintenance costs and expenses in connection  therewith (except as expressly
designated  herein as the  Landlord's  responsibility;  and (c) the Rent and all
payments to be made to Landlord are to be net to Landlord, without deductions or
offsets  of any  kind or  nature  whatsoever.  In no  event  shall  there be any
abatement  or  reduction  in the Rent except as may  otherwise  be  specifically
provided in this Lease.

5. Option to Extend.  Provided that Tenant is not in default of its  obligations
under this  Lease,  Tenant  shall have the option to extend this Lease for three
(3)  successive  five (5) year terms  commencing on September 1, 2006 and ending
August 31,  2011,  and on  September  1, 2011 and ending  August 31,  2016,  and
September 1, 2016 and ending August 31, 2021, respectively. The rent during each
year of the renewal  term shall be computed  annually in the same manner as rent
is calculated in paragraph 4B above, with the CPI adjustment being determined as
of September  1st of each year of the renewal  term as compared  with the CPI in
effect on  September  1, 2002.  Tenant  shall  exercise  this right to extend by
sending  written  notice  to  Landlord  no  later  than  360  days  prior to the
expiration  of each term.  If Tenant has not notified  Landlord of its intent to
exercise  its right to extend by the  applicable  time  period set forth  above,
Landlord  shall notify  tenant of its failure to exercise its right,  and Tenant
shall have fifteen (15)  calendar  days  following its receipt of such notice in
which to notify  Landlord of its intent to exercise the term. If Tenant does not
so notify  Landlord,  Tenant's  right to extend shall be deemed waived and of no
further force and effect.

6. Repairs and Care.  Tenant has examined the premises and has entered into this
Lease without any representation on the part of the Landlord as to the condition
thereof.  The  Tenant  shall  take  good care of the  premises  and shall at the
Tenant's own cost and expense, make all repairs, including painting, decorating,
and shall  maintain the premises in good  condition and state of repair,  and at
the end or other  expiration  of the term  hereof,  shall  deliver up the rented
premises  in good order and  condition,  wear and tear from the  reasonable  use
thereof,  and damage by the elements not resulting  from the neglect or fault of
the Tenant,  excepted.  The Tenant  shall  neither  encumber  nor  obstruct  the
sidewalks,  driveways, yards, entrances, hallways and stairs, but shall keep and
maintain the same in a clean condition,  free from debris,  trash,  refuse, snow
and ice.  Tenant shall be responsible  for the maintenance and repair of parking
lot surface and

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shall keep same in safe condition.  Tenant will  specifically be responsible for
the repair and regular  maintenance of the heating and air conditioning  system.
The term "repair" shall mean the  improvement or replacement of any item that is
no longer useful because of wear, tear, damage, or otherwise.

6.1 Landlords  Responsibility.  Notwithstanding  the  provisions of the previous
paragraph,  Landlord expressly agrees that prior to the commencement of the Term
it will,  at its cost and  expense,  install  a new flat  roof and  replace  the
shingle  portion of the roof of the premises and maintain  same for a period not
to exceed ten (10) years from the date of the Lease  commencement.  In addition,
for a period  of ten (10)  years  from  Lease  Commencement,  Landlord  shall be
responsible  for  the  repair  of the  load-bearing  portion  of  the  building,
excluding  the portion of the  structure  utilized  for  drive-through  banking.
Tenant  agrees to give Landlord  prompt  written  notice of any  condition  that
requires repair.  After the ten (10) year period,  tenant shall assume exclusive
responsibility  for the  repair  and  maintenance  of the roof and  load-bearing
structure.

7.  Alternations  and  Improvements.  No alterations,  additions or improvements
shall be made, and no climate regulating,  air conditioning,  cooling or heating
system,  television or radio antennas, heavy equipment,  apparatus and fixtures,
except  those  which  are  customary  in a retail  banking  facility  (excluding
modifications  or  additions to the existing  drive-through  banking  facility),
shall be  installed in or attached to the leased  premises,  without the written
consent of the Landlord. Unless otherwise provided herein, all such alterations,
etc., when made, installed in or attached to the said premises,  shall belong to
and become  property of the Landlord and shall be surrendered  with the premises
and as part thereof upon the  expiration  or sooner  termination  of this Lease,
without  hindrance,  molestation,  or  injury.  Any  construction  work  must be
performed  strictly in accordance  with  applicable law and building  codes,  at
Tenant's sole cost and expense.

8. Signs.  Any signs  permitted by the Landlord  shall at all times conform with
all  municipal  ordinances  or other laws and  regulations  applicable  thereto.
Landlord represents that the existing signs for the rental space are acceptable.

9. Utilities.  The Tenant shall pay when due all the rents or charges for water,
sewer and other  utilities  used by the Tenant,  which are or may be assessed or
imposed  upon the lease  premises or charged to the  Landlord  by the  suppliers
thereof during the term hereof,  and if not paid, such rents or charges shall be
added to and become payable as additional rent with the installment of rent next
due or within 15 days of demand therefor, whichever occurs sooner.

10.  Compliance  with Laws, etc. The Tenant shall promptly comply with all laws,
ordinances, rules, regulations,  requirements and directives of all governmental
or public authorities and of all their subdivisions, applicable to and affecting
the said premises,  their use and occupancy,  and shall promptly comply with all
orders,   regulations,   requirements  and  directives  of  the  Board  of  Fire
Underwriters  for similar  authority and of any insurance  companies  which have
issued or are about to issue  policies of insurance  covering the said  premises
and its  contents,  for the  prevention  of fire or other  casualty,  damage  or
injury, at the Tenant's own cost and expense.

11.  Assignment.  The  Tenant  shall not,  without  the  written  consent of the
Landlord, assign, mortgage or hypothecate this Lease, nor sublet or sublease the
premises  or any part  thereof.  Landlord  will not  unreasonably  withhold  its
consent to an assignment to another banking  institution,  provided that the use
of the premises continues as a retail banking business.


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12. Hazard Insurance.  Tenant shall obtain and pay for adequate hazard insurance
with extended  coverage naming Landlord as an additional  insured.  Tenant shall
deliver a copy of the policy of insurance to the Landlord together with evidence
of the payment of the  premiums  therefore,  not less than fifteen days prior to
the  commencement  of the term or when the Tenant  shall  enter into  possession
whichever occurs sooner. If for any reason it shall be impossible to obtain fire
and other  hazard  insurance on the  buildings  and  improvements  on the leased
premises,  in the  amount  and  in the  form  and  in  the  insurance  companies
acceptable  the Landlord,  the Landlord may, at any time,  terminate this Lease,
upon giving to the Tenant fifteen (15) days' notice in writing of the Landlord's
intention to do so. Upon giving of such notice, this Lease shall terminate.

13. Liability  Insurance.  The Tenant,  at Tenant's own cost and expense,  shall
obtain or provide and keep in full force for the benefit of the Landlord, during
the term  hereof;  Comprehensive  Liability  Insurance,  insuring  the  Landlord
against any and all liability or claims of liability  arising out of, occasioned
by or resulting from any accident or otherwise in or about the leased  premises,
for injuries to any person or persons, for limits of not less than $1,000,000.00
per  occurrence  and  $2,000,000.00  aggregate  basis for the term of the lease,
together  with umbrella  coverage of  $10,000,000.00.  In addition,  tenant will
maintain  Workers  Compensation  insurance  with Coverage Two limits of not less
than  $100,000.00/$100,000.00/$500,000.00,  together with  umbrella  coverage of
$10,000,000.00.  The policy or  policies of  insurance  shall be of a company or
companies  authorized to do business in this State and shall be delivered to the
Landlord,  together with evidence of the payment of the premiums therefore,  not
less than fifteen days prior to the  commencement of the term or when the Tenant
shall enter into possession, whichever occurs sooner.

14.  Indemnification.  The Tenant will indemnify and save harmless Landlord from
and against any and all loss, cost (including attorney's fees), damages, expense
and  liability  (including  statutory  liability  and  liability  under  workers
compensation laws) in connection with claims for damages as a result of death or
injury of any person or property  damage to any property  sustained by Tenant or
all other  persons  which  arise  from or in any  manner  grow out of any act or
neglect on or about the Camp by Tenant,  Tenant's partners,  agents,  employees,
customers, invitees, contractors and subcontractors.

15. Mortgage Priority.  This Lease shall not be a lien against the said premises
with respect to any mortgages  that may hereafter be placed upon said  premises.
The recording of such mortgages  shall have preference and be superior and prior
in lien to this Lease,  irrespective of the date of recording. The Tenant agrees
to execute any  instruments,  without cost,  which may be deemed  necessary,  to
further effect the subordination of this Lease to any such mortgages.  A refusal
by the Tenant to execute such  instruments  is a violation and shall entitle the
Landlord to cancel this Lease.

16. Fire and Other Casualty.  Except as otherwise  specifically provided herein,
damage  to or  destruction  of any  portion  nor all of the  building  and other
improvements located upon the premises by fire, the elements, or other casualty,
whether with or without fault of the Tenant shall not result in a termination of
this Lease or entitle  Tenant to surrender the premises or entitle the Tenant to
any  abatement  of or  reduction in the rent  payable,  or otherwise  affect the
respective  obligation of the parties  hereto,  any present or future law to the
contrary notwithstanding.


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<PAGE>


17. Reimbursement of Landlord. If the Tenant shall fail or refuse to comply with
any of the terms and  conditions  of this Lease,  the Landlord may carry out and
perform such  conditions  at the cost and expense of the Tenant,  which  amounts
shall be payable on demand to the Landlord as additional rent. In the event such
payment is not made within thirty (30) days after demand therefor,  Tenant shall
pay  Landlord  interest at the rate of eighteen  (18%)  percent per annum.  This
remedy  shall be in addition to such other  remedies as the Landlord may have by
reason of the  breach by the Tenant of any of the terms and  conditions  of this
Lease.

18.  Inspection  and  Repair.  The  Tenant  agrees  that  the  Landlord  and the
Landlord's agents,  employees or other representatives,  shall have the right to
enter into and upon the said  premises or any part  thereof,  at all  reasonable
hours,  for the  purpose  of  examining  the  same or  making  such  repairs  or
alterations therein as may be necessary for the safety and preservation thereof.
Landlord agrees to coordinate with Tenant to insure that Tenant's operations are
not necessarily  disrupted.  This clause shall not be deemed to be a covenant by
the  Landlord  nor be  construed  to  create  an  obligation  on the part of the
Landlord to make such inspection or repairs.

19.  Right to  Exhibit.  The  Tenant  agrees  to  permit  the  Landlord  and the
Landlord's  agents,  employees or other, after twelve (12) months next preceding
the  expiration  of the term  hereof,  to  place  notices  on the  front of said
premises or any part  thereof,  offering the premises for rent or for sale;  and
the Tenant hereby agrees to permit the same to remain thereon without  hindrance
or molestation.

20.  Removal of  Tenant's  Property.  Any  equipment,  fixtures,  goods or other
property of the Tenant,  not removed by the Tenant upon the  termination of this
Lease,  or upon any  quitting,  vacating or  abandonment  of the premises by the
Tenant, or upon the Tenant's eviction,  shall be considered as abandoned and the
Landlord  shall have the right,  without  any notice to the  Tenant,  to sell or
otherwise  dispose of the same,  at the expense of the Tenant,  and shall not be
accountable to the Tenant for any part of the proceeds of such sale, if any.

21. Tenant's  Default.  Tenant shall be in default in the event Rent is not paid
within ten (10) days after the date due. In the case of  non-monetary  defaults,
Tenant  will be in default  in the event that it fails to cure any such  default
after twenty (20) days' prior written notice by Landlord.

22.  Remedies  Upon Tenant's  Default.  If there should occur any default on the
part of the Tenant in the  performance of any  conditions  and covenants  herein
contained,  or if during the term hereof the premises or any part thereof  shall
be or become abandoned or deserted,  vacated or vacant,  or should the Tenant be
evicted, the Landlord,  in addition to any other remedies herein contained or as
may be permitted by law, may either by force or otherwise,  without being liable
for prosecution therefor, or for damages,  re-enter,  possess and enjoy the said
premises.  The  Landlord  may then  re-let the  premises  and  receive the rents
therefor and apply the same,  first to the payment of such expenses,  reasonable
attorney fees and costs, as the Landlord may have been put to in re-entering and
repossessing  the  same  in  making  such  repairs  and  alterations  as  may be
necessary;  and  second to the  payment of the rents due  hereunder.  The Tenant
shall remain liable for such rents as may be in arrears and also the rents a may
accrue  subsequent  to the  re-entry  by the  Landlord,  to  the  extent  of the
difference  between the rents reserved hereunder and the rents, if any, received
by the  Landlord  during the  remainder  of the  unexpired  term  hereof,  after
deducting the  aforementioned  expenses,  fees and costs; the same to be paid as
such deficiencies arise and are ascertained each month.


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<PAGE>

23.  Termination  on  Default.  If any of the  contingencies  set  forth  in the
preceding  clause  occur,  or should  the  tenant be  adjudicated  as  bankrupt,
insolvent or placed in receivership,  or should  proceedings be instituted by or
against  the Tenant  for  bankruptcy,  insolvency,  receivership,  agreement  of
composition or assignment for the benefit of creditors,  or if this Lease or the
estate of the  Tenant  hereunder  shall  pass to  another by virtue of any court
proceedings,  writ of execution, levy sale, or by operation of law, the Landlord
may, at any time  thereafter,  terminate  this Lease and the term  hereof,  upon
giving to the  Tenant,  five (5)  days'  notice in  writing,  of the  Landlord's
intention  so to do.  Upon the  giving of such  notice,  this Lease and the term
hereof  shall end on the date  fixed in such  notice as if the said date was the
date originally fixed in this Lease for the expiration  hereof; and the Landlord
shall have the right to remove all persons,  goods,  fixtures and chattels there
from, by force or otherwise, without liability for damage.

24.  Non-Liability of Landlord.  The Landlord shall not be liable for any damage
or injury  which may be  sustained  by the  tenant  or any  other  person,  as a
consequence  of the  failure,  breakage,  leakage or  obstruction  of the water,
plumbing,  steam,  sewer, waste or soil pipes, roof, drains,  leaders,  gutters,
valleys,  downspouts  or the like or of the  electrical,  gas,  power  conveyor,
refrigeration,  sprinkler,  air-conditioning  or heating  systems,  elevators or
hoisting  equipment;  or by  reason  of the  elements;  or  resulting  from  the
carelessness,  negligence or improper conduct on the part of any other Tenant or
of the  Landlord  or the  Landlord's  or  this  or any  other  Tenant's  agents,
employees, guests, licensees, invitees, subtenants,  assignees or successors; or
attributable to any  interference  with,  interruption of, or failure beyond the
control of the  Landlord,  of any  services to be  furnished  or supplied by the
Landlord.

25. Liens.  If any  mechanic's,  construction or other liens shall be created or
filed  against the leased  premises by reason of labor  performed  or  materials
furnished for the Tenant in the erection, construction,  completion, alteration,
repair or addition to any building or improvement, the Tenant shall upon demand,
at the Tenant's  own cost and expense,  cause such lien or liens to be satisfied
and discharged of record together with any lien claims that may have been filed.
Failure so to do, shall  entitle the Landlord to resort to such  remedies as are
provided herein in the case of any default of this Lease, in addition to such as
are permitted by law.

26.  Waiver of  Subrogation  Rights.  The Tenant  waives all rights of  recovery
against the Landlord or Landlord's agents,  employees or other  representatives,
for any loss,  damages or injury of any nature whatsoever to property or persons
for which the Tenant is insured. The Tenant shall obtain from Tenant's insurance
carriers and will deliver to the  Landlord,  waivers of the  subrogation  rights
under the respective policies.

27.  Security.  The Tenant has this day deposited with the Landlord the sum of $
00.00  as  security  for the  payment  of the  rent  hereunder  and the full and
faithful  performance  by the Tenant of the covenants and conditions on the part
of the Tenant to be performed. Said sum shall be returned to the Tenant, without
interest,  after the expiration of the term hereof, provided that the Tenant has
fully and  faithfully  performed all such covenants and conditions and is not in
arrears in rent.  During the term hereof,  the Landlord  may, if the Landlord so
elects, have recourse to such security,  to make good any default by the Tenant,
in which the Tenant  shall,  on demand,  promptly  restore said  security to its
original  amount.  The Landlord shall assign or transfer said security,  for the
benefit of the Tenant,  to any  subsequent  owner or holder of the  reversion of
title to said  premises,  in which case the assignee shall become liable for the
repayment thereof as herein provided,  and the assignor shall be released by the
Tenant from all  liability  to return such  security.  This  provision  shall be
applicable  to every  change in title and

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<PAGE>

does not permit the Landlord to retain the  security  after  termination  of the
Landlord's  ownership.  The Tenant shall not  mortgage,  encumber or assign said
security without the written consent of the Landlord.

28.  Condemnation.  If the lease premises or any part thereof or any part of the
building are taken by virtue of eminent  domain or there is a change in grade of
any street or highway,  any of the  foregoing of which shall  materially  affect
Tenant's use of the premises, this Lease will terminate on the date title to the
premises  vests in the public entity  pursuant to such taking,  and the rent and
any additional sums due under this lease shall be pro-rated as of said date.

29. Non-Waiver by Landlord. The various rights, remedies,  options and elections
of the Landlord,  expressed herein, are cumulative.  The failure of the Landlord
to enforce  strict  performance by the tenant of the conditions and covenants of
this Lease or to exercise any election or option,  or to resort or have recourse
to any  remedy  herein  conferred  or the  acceptance  by  the  Landlord  of any
installment  of  rent  after  any  breach  by the  Tenant,  in any  one or  more
instances,  shall not be construed or deemed to be a waiver or a  relinquishment
for the future by the Landlord of any such  conditions and  covenants,  options,
elections or remedies, but the same shall continue in full force and effect.

30. Non-Performance by Landlord.  This Lease and the obligation of the Tenant to
pay the rent hereunder and to comply with the covenants and  conditions  hereof,
shall not be affected,  curtailed, impaired or excused because of the Landlord's
inability to supply any service or material called for herein,  by reason of any
rule,  order,  regulation or preemption by any governmental  entity,  authority,
department,  agency or subdivision or for any delay which may arise by reason of
negotiations  for the  adjustment  of any fire or  casualty  loss or  because of
strikes  or other  labor  trouble  or for any cause  beyond  the  control of the
Landlord.

31. Title and Quiet  Enjoyment.  The Landlord  covenants and represents that the
Landlord  is the  owner of the  premises  herein  leased  and has the  right and
authority  to enter  into,  execute and deliver  this  Lease;  and does  further
covenant that the Tenant on paying the rent and  performing  the  conditions and
covenants herein  contained,  shall and may peaceably and quietly have, hold and
enjoy the leased premises for the term aforementioned.

32.  Condition  Precedent.  This Lease  agreement  and Tenant's  obligations  to
perform  hereunder  shall be  conditioned  to Tenant's  obtaining all regulatory
approvals  from any  governmental  agencies on or before  August 26,  2001.  If,
despite tenant's diligence,  no approval is obtained by October 31, 2001, either
party may terminate this Lease.  Tenant  represents  that it has determined that
the  proposed  use of the  premises  does not violate any zoning or  development
ordinance or  regulation  and that no municipal  approvals are necessary for the
proposed use of the premises.

33. Validity of Lease. The terms,  conditions,  covenants and provisions of this
Lease  shall be deemed  to be  severable.  If any  clause  or  provision  herein
contained  shall  be  adjudged  to be  invalid  or  unenforceable  by a court of
competent  jurisdiction  or by  operation  of any  applicable  law, it shall not
affect the  validity of any other  clause or  provision  herein,  but such other
clauses or provisions shall remain in full force and effect.

34. Notices.  All notices  required under the terms of this Lease shall be given
and shall be completed by mailing such notices by certified or registered  mail,
return receipt requested,  to the


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<PAGE>

address  of the  parties  as shown at the head of this  Lease,  or to such other
address as may be designated in writing, which notice of change of address shall
be given in the same manner.

35.  Entire  Contract.  This Lease  contains  the entire  contract  between  the
parties.  No  representative,  agent  or  employee  of  the  Landlord  has  been
authorized to make any  representations or promises with reference to the within
letting or vary,  alter or modify the terms  hereof.  No  additions,  changes or
modifications, renewals or extensions hereof, shall be binding unless reduced to
writing and signed by the Landlord and the Tenant.

36.  Conformation with Laws and Regulations.  The Landlord may pursue the relief
or remedy sought in any invalid  clause,  by conforming the said clause with the
provisions of the statutes or the regulations of any  governmental  agency as if
the  particular  provisions of the applicable  statutes or regulations  were set
forth herein at length.

37.  Number  and  Gender.  In all  references  herein to any  parties,  persons,
entities  or  corporations  the use of any  particular  gender or the  plural or
singular number is intended to include the  appropriate  gender or number as the
text may require. All the terms, covenants and conditions herein contained shall
be for and shall inure to the benefit of and shall bind the  respective  parties
hereto,  and  their  heirs,   executors,   administrators,   personal  or  legal
representatives, successors and assigns.

     IN WITNESS  WHEREOF,  the parties have set their hands and seal,  or caused
these presents to be signed by their proper corporate  officers and their proper
corporate seal to be hereto affixed, the day and year first above written.



Witnessed or Attested by


     /s/ Sharon Andersen                          /s/ John Brockriede
--------------------------                     ----------------------------
                                               BY: JOHN BROCKRIEDE
                                               Manager Landlord



ATTEST:                                        MONMOUTH COMMUNITY BANK,
                                               N.A., Tenant



     /s/ Diane E. Sperry                          /s/ James Vaccaro
--------------------------                     ----------------------------
Diane E. Sperry, Assistant Secretary           JAMES VACCARO, Chairman and CEO



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