Exhibit 10.1

                                 April 24, 2006


Paul R. Little
344 Tollgate Road
Berlin, CT 06037

Dear Paul:

On behalf of The Simsbury Bank & Trust Company, I am pleased to offer you the
position of Chief Lending Officer. We are very excited about you joining us in
offering our banking services to residents and businesses in our community.

Start Date and Rate
Your start date will be May 10, 2006. Your starting rate will be $120,000 per
year. As the position is at the Senior Vice President officer level, the
recommendation of your election will be brought to the Bank's Board of Directors
at an upcoming board meeting.

Work and Pay Schedule
The position is full time and also exempt from overtime provisions. You will be
paid every other week. We generally conduct performance reviews with employees
after their first three months with us and thereafter generally annually.

Your First Day
On Wednesday, May 10th, please arrive at our administrative office at 760
Hopmeadow Street, Simsbury, at 8:30 a.m. You will spend time with our Human
Resources area for the required forms and a review of our benefits package.
Please bring identification that is acceptable for completing the I-9 form that
all employees must complete for the Bank to ascertain identity and eligibility
to work in the United States. Attached is a list of acceptable forms of
identification for this purpose (you will need either one or two pieces of
identification - the number determined by which type of documentation you
provide - please refer to the columns on the reverse of the form).

Benefit Plans
Paid Time Off (PTO) - You will be granted 28 days of paid time off per year. New
employees' time is pro-rated during the first calendar year; therefore, you
would be eligible for 19 days to be used through the end of this year and the
full 28 days in 2007. This bank of time includes all paid sick, personal and
vacation time; each year five of these PTO days per year can be carried over
into the next year. I understand that you have a two week vacation planned for
this June which we will accommodate out of the 19 days.

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Medical and Dental - You will be eligible for participation in our group medical
and dental plans beginning on July 1, 2006 pursuant to those plans' terms. The
Bank currently pays 75% of the gross premiums of each plan for employees and any
eligible dependents. The Bank will pay for your COBRA payments until July 1st
should you incur any such expenses.

401k Plan - You will be eligible for participating in the matching 401k Plan on
September 1, 2006, pursuant to that Plan's governing rules and regulations.
Currently, the Bank matches 50% up to 6% of salary. Complete vesting of the
Bank's match occurs after six years of service with the Bank.

Short Term Incentive Plan - You will be eligible for the Bank's Annual Short
Term Incentive Plan (bonus plan) in accordance with that policy. As we
discussed, the current annual bonus target for this position is 12% of earnings
during each calendar year.

Long Term Incentive Plan - You will be eligible for 10,500 shares of stock
options with a three year vesting schedule (one-third vesting per year beginning
one year after the grant date). The granting of options is made by the bank
holding company's Board of Directors; the recommendation for these options will
be made pursuant to the evaluation of your performance after one year of
employment.

Change of Control Severance Agreement - The Bank will enter into an agreement
that provides for the following in the event that the incumbent's position is
terminated as a result of a change of control: payment of a lump sum equal to
two years base salary and bonus; accelerated vesting of stock options or any
other performance related incentive compensation awards; and 24 months coverage
of health benefits on same terms as were provide prior to termination. Change of
control is defined as acquisition by any person or business organization of 25%
or more of the Bank's voting common stock, or sale or merger of the Bank.

All of these benefits, including the paid time off plan, are governed by
policies specific to them and our Personnel Policies and Employee Handbook,
which will be given to you on your first day.

At-Will Employment Status
You should know that employment with The Simsbury Bank & Trust Company is an "at
will" relationship and both the Bank and the individual employee are free to
terminate the employment relationship at their discretion at any time for any
reason.

This letter contains the complete terms of our offer of employment to you and
any prior oral or written representations which are not contained in this letter
are invalid. These original terms of your employment with the Bank may change
from time to time.

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This offer is contingent on us receiving the completed and signed Employment
Application and performing and receiving a satisfactory credit report and
background and reference checks. As you know, the credit check has been run.
Enclosed with this letter is the official employment application which includes
the authorizations to process the various other background checks. Please
complete the application and sign it in all required places. Please mail the
original back to me, but, in the meantime so that we can start the background
check process, please fax me those authorization pages indicated. Normally the
background checks take between 24 and 48 hours.

This offer expires on May 1, 2006 at 5:00 p.m.; you have given your notice of
acceptance verbally, but please follow that up by returning the original of this
letter with your signature.

I am pleased to make this offer to you and look forward to you joining our
highly motivated team of professionals. If you have any questions in the
meantime about anything regarding the position or our benefits or directions to
my office, please feel free to call me at 860.651.2080.

                                                        Sincerely yours,

                                                        /s/ Martin J. Geitz

                                                        Martin J. Geitz
                                                        President and CEO


If you agree to the terms as stated in this letter, please acknowledge by
signing and dating below and returning this letter to the Bank.


/s/ Paul R. Little                                      April 25, 2006
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