Exhibit
      10.22





2007
      AMENDMENT TO LEASE AGREEMENT





Whereas,
      on or about the 9th day of September, 1971, Investors Equity of Iowa, Inc.,
      as
      the Original Landlord, entered into a Lease Agreement (the “Lease”) with West
      Des Moines State Bank, now known as “West Bank”, as Tenant;




Whereas,
      A. Terry Moss, Maggi Moss, Joan Thaler, and Richard Margulies (collectively
      “Landlords”) are successors to the Original Landlord; and




Whereas,
      the Lease has been previously amended and Landlords and Tenant have agreed
      to
      further amend the Lease,




Now
      therefore, in consideration of the mutual promises and covenants contained
      herein, each for the other, Landlords and Tenant agree as follows:





1. Extension
      of Lease Term .
      The
      current term of the Lease, which commenced on the 1st  day
      of
      May, 2002, shall be extended through the 30th day of April, 2014.





2. Continuation
      of CPI Adjustments .
      As
      provided in the Lease, there shall be a CPI adjustment to the rent paid by
      Tenant effective on the 1st day of May, 2007. Effective on the 1st day of May,
      2012, there shall be a Consumer Price Index (“CPI”) adjustment to the rent paid
      by Tenant in the same manner that the CPI adjustment has been made for previous
      five (5) year periods during the term of the Lease.





3. Additional
      Extensions .
      Tenant
      is hereby granted three (3) additional automatic extensions (“Additional
      Extensions”) as described in paragraph XXV of the Lease, during which extension
      periods all terms and provisions of the Lease shall apply as though the three
      (3) automatic extensions had been granted in the Lease (unless the context
      clearly requires a different meaning), except that: if increases in the unit
      costs for gas and/or electricity during any year or years during the Additional
      Extensions over such unit costs as of January 1, 2007, exceeds the increase
      in
      the CPI (used for the rent adjustments described above), Tenant shall pay to
      Landlord an amount equal to a prorated share (based on the square feet of
      rentable space demised to Tenant under the terms of the Lease to the total
      rentable space in the building in which the demised space is located) of the
      increase in such unit costs over the increase in the CPI for such
      period.





4. Option
      to Purchase .
      The
      Option to Purchase the building in which the demised premises is located (but
      not the underlying land) contained in Article XXVI of the Lease is hereby
      deleted and in lieu thereof, Tenant is granted the Right of First Refusal to
      purchase said building and land, as set forth in paragraph 5,
      below.










5. Right
      of First Refusal .
      Before
      agreeing to sell the building in which the demised premises is located and
      the
      land on which it is situated [part of Lot 16, Westown Park, an Official Plat,
      in
      West Des Moines, Iowa] (collectively the “West Bank Building”), Landlords (as
      Landlords and as Palm Investors) shall first offer the West Bank Building for
      sale to Tenant by submitting to Tenant a written proposal (the "Sale Proposal").
      Tenant may within thirty (30) days thereafter, accept the Sale Proposal (the
      “Right of First Refusal”). If Tenant fails to accept the Sale Proposal within
      said thirty (30) day period, Landlords may sell the West Bank Building free
      of
      this Right of First Refusal on substantially the same terms and conditions
      as
      are set forth in the Sale Proposal. However, if Landlords thereafter receive
      an
      offer to buy the West Bank Building (“Offer to Buy”) on materially less onerous
      terms than, or for a purchase price less than, either (i) the price contained
      in
      the Sale Proposal, or (ii) any counter offer to the Sale Proposal which may
      have
      been made by Tenant to Landlords, Landlords must give written notice to Tenant
      of the receipt (and terms and conditions) of such Offer to Buy if Landlords
      accept or intend to accept such Offer to Buy. Tenant may within five (5)
      business days following receipt of such notice, elect to purchase the West
      Bank
      Building under the same terms and conditions as are contained in the Offer
      to
      Buy. Election to accept the Sale Proposal or to purchase under the same terms
      and conditions as the Offer to Buy must be made by timely written notice to
      Landlords. Failure to timely exercise this right of first refusal by accepting
      the Sale Proposal or agreeing to purchase the West Bank Building under the
      same
      terms and conditions as the Offer to Buy, shall be deemed to be a waiver of
      the
      Right of First Refusal. If the West Bank Building is not sold within the one
      hundred eighty (180) day period following receipt of the Sale Proposal by
      Tenant, the West Bank Building shall not then be sold by Landlords without
      first
      giving another Sale Proposal to Tenant as first described above. This Right
      of
      First Refusal shall apply to subsequent sales of the West Bank Building by
      Landlords’ successors and assigns during the term of the Lease, notwithstanding
      the fact that Tenant has declined to purchase the West Bank Building under
      the
      provisions hereof with respect to a previous sale. This Right of First Refusal
      shall not apply to any sale between Landlords, entities controlled by Landlords,
      or parties related to Landlords, by blood or otherwise.





6. Other
      Terms .
      All
      other terms and conditions of the Lease shall remain in full force and
      effect.





7. Recordation .
      This
      Amendment shall not be filed or recorded by any party hereto with any city,
      county, state or federal government office or agency, except as may become
      necessary in the event of a bona fide legal proceeding which requires such
      filing or recording. Each party agrees upon the request of the other party,
      to
      execute a memorandum of this Amendment in a form suitable for recording to
      protect, preserve or enhance those rights of each party which are protected,
      preserved or enhanced by such recordation.





8. Enforceability .
      In the
      event any provision of this Amendment is rendered invalid or unenforceable
      by
      action of federal or state legislation or regulation issued in accordance with
      law or declared null and void by a court of competent jurisdiction, the
      remainder of this Amendment shall remain in effect.





9. Entire
      Agreement .
      This
      Amendment represents the entire understanding and agreement made between
      Landlord and Tenant with respect to the subject matter hereof and supersedes
      all
      prior negotiations, correspondence, discussions, and understandings relating
      to
      the subject matter hereof, and may not be modified orally or in any other manner
      than by an agreement in writing signed by all parties to this Amendment or
      their
      respective successors in interest.





10. Notices,
      Consents and Demands .
      Notices
      as provided for in this Amendment shall be in writing and shall be given to
      the
      parties hereto at their respective addresses designated on the first page of
      this Amendment. All notices shall be deemed to have been given under the terms
      of this Amendment when sent, if addressed as above designated, postage and/or
      fees prepaid, by (i) registered or certified mail, return receipt requested,
      by
      the United States mail, or (ii) any national air courier service which requires
      a signature from the recipient on delivery.





11. Provisions
      to Bind and Benefit Successors and Assigns .
      Each
      and every covenant and agreement herein contained shall extend to and be binding
      upon the respective successors, heirs, administrators, executors and assigns
      of
      the parties hereto.




FOR
                LANDLORDS and PALM INVESTORSBy: /s/
              Richard B. MarguliesRichard
                B. Margulies, for Landlords and Palm Investors, as to
                paragraph 5








FOR
                TENANT: WEST
                BANKBy: /s/
                Sharen K. SurberSharen
                  K. Surber, Executive Vice President