Exhibit 10.18

FORM OF FIRST FINANCIAL BANK  EXECUTIVE SURVIVOR INCOME AGREEMENT

THIS EXECUTIVE SURVIVOR INCOME AGREEMENT(this "Agreement") is made as of this 2nd day of July, 2003 by and
between First Financial Bank, a Pennsylvania-chartered bank with its main office in Downingtown, Pennsylvania (the "Bank"),
and                        , the
Bank's                        (the "Employee").

WHEREAS,to encourage the Employee to remain an employee of the Bank, the Bank is willing to provide benefits to the Employee's
beneficiary(ies) (1) if the Employee dies before age 85 but while employed by the Bank, or (2) if the Employee dies before age 85 but after having terminated employment on or after
Retirement Age or because of Disability, or if the Employee dies before age 85 but after Termination of Employment within 12 months after a Change in Control. The Bank will pay the benefits
from its general assets, but only so long as one of its general assets is a life insurance policy on the Employee's life

AGREEMENT

The Employee and the Bank agree as follows:

Article 1  Definitions

Whenever used in this Agreement, the following words and phrases shall have the meanings specified:

1.1"Change in Control"means the definition of Change in Control specified in any employment or severance agreement existing
on the date hereof or hereafter entered into between the Employee and the Bank. If the Employee is not a party to an employment or severance agreement containing a definition of Change in Control.
Change in Control means any of the following events occur



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1.2"Disability"means the Employee suffers a sickness, accident, or injury that is determined by the carrier of any
individual or group disability insurance policy covering the Employee, or by the Social Security Administration, to be a disability rendering the Employee totally and permanently disabled. The
Employee must submit proof to the Bank of the carrier's or the Social Security Administration's determination upon the request of the Bank.

1.3"Good Reason"means the definition of good reason specified in any employment or severance agreement existing on the date
hereof or hereafter entered into between the Employee and the Bank. If the Employee is not a party to an employment or severance agreement containing a definition of good reason, good reason means the
occurrence of any of the events or conditions described in clauses (a) through (e) hereof without the Employee's express written consent



1.4"Retirement Age"means the Employee's 62nd birthday, provided that the Employee has at least five years of
service with the Bank on that date. If the Employee does not have five years of service with the Bank by the date of the Employee's 62nd birthday, Retirement Age means such later date on
which the Employee has five years of service with the Bank, provided that such later Retirement Age occurs before the Employee reaches age 85. For purposes of this Agreement, years of service means
the total number of consecutive 12-month periods during which the Employee shall have served as an employee of the Bank, including years of service before the date of this Agreement.

1.5"Termination for Cause"means the definition of termination for cause specified in any employment or severance agreement
existing on the date hereof or hereafter entered into between the Employee and the Bank. If the Employee is not a party to an employment or severance agreement containing a definition of termination
for cause. Termination for Cause means the Bank has terminated the Employee's employment for any of the following reasons



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1.6"Termination of Employment"with the Bank means that the Employee shall have ceased to be employed by the Bank for any
reason whatsoever, excepting a leave of absence approved by the Bank. For purposes of this Agreement, if there is a dispute over the employment status of the Employee or the date of termination of the
Employee's employment, the Bank shall have the sole and absolute right to decide the dispute, unless a Change in Control shall have occurred.

Article 2  Entitlement to Benefit

2.1Pre-Termination of Employment Survivor Income Benefit.If the Employee dies in active service to
the Bank, the Bank shall pay to the Employee's designated beneficiary a survivor income benefit of $                        ,
provided the Employee's death occurs before reaching age 85. The survivor income
benefit shall be paid in a single lump sum within 90 days after submission of proof of a claim substantiating the Employee's death.

2.2Disability Benefit.If the Employee terminates employment due to Disability, the Bank shall pay to the
Employee's designated beneficiary in a single lump sum the survivor income benefit described in Section 2.5 if the Employee dies before reaching age 85.

2.3Change in Control Benefit.If the Employee's employment with the Bank terminates involuntarily within
12 months after a Change in Control (excepting Termination for Cause) or if the Employee terminates employment voluntarily for Good Reason within I2 months after the Change in Control,
the Bank shall pay the Employee's designated beneficiary the survivor income benefit described in Section 2.5 if the Employee dies before reaching age 85.

2.4Retirement Benefit.If the Employee terminates employment on or after the Retirement Age, the Bank shall pay
to the Employee's designated beneficiary in a single lump sum the survivor income benefit described in Section 2.5 after the Employee's death, provided the Employee dies before reaching age 85.

2.5Amount of Benefits.If the Employee was no longer employed by the Bank at the time of death but benefits are
nevertheless payable under Section 2.2, 2.3, or 2.4, the Bank shall pay to the Employee's beneficiary a survivor income benefit of
$                        . The survivor income benefit shall be paid in
a single lump sum within 90 days after submission of proof of a claim substantiating the Employee's death. If the Employee dies after reaching age 85, no survivor income benefits shall be
payable under this Agreement.

Article 3  Beneficiaries

3.1Beneficiary Designations.The Employee shall designate a beneficiary by filing a written designation with
the Bank. The Employee's beneficiary designation shall be deemed automatically revoked if the beneficiary predeceases the Employee or if the Employee names a spouse as beneficiary and the marriage is
subsequently dissolved. If the Employee dies without a valid beneficiary designation, all payments shall be made to the Employee's estate.

3.2Facility of Payment.If a benefit is payable to a minor, to a person declared incompetent, or to a person
incapable of handling the disposition of his or her property, the Bank may pay such benefit to the guardian, legal representative, or person having the care or custody of such minor, incompetent
person or incapable person. The Bank may require proof of incompetence, minority, or guardianship as

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it
may deem appropriate prior to distribution of the benefit. Such distribution shall completely discharge the Bank from all liability with respect to such benefit.

Article 4  General Limitations

4.1Termination for Cause.Notwithstanding any provision of this Agreement to the contrary, the Bank shall not
pay any benefit under this Agreement if Termination of Employment is due to the Employee's actions resulting in Termination for Cause.

4.2Suicide or Misstatement.The Bank shall not pay any benefit under this Agreement if the Employee commits
suicide within three years after the date of this Agreement. In addition, the Bank shall not pay any benefit under this Agreement if the Employee has made any material misstatement of fact on any
application or resume provided to the Bank, or on any application for any benefits provided by the Bank to the Employee.

4.3Removal.If the Employee is removed from office or permanently prohibited from participating in the conduct
of the Bank's affairs by an order issued under section 8(e)(4) or (g)(1) of the Federal Deposit Insurance Act, 12 U.S.C. 1818 (e)(4) or (g)(1), all obligations of the Bank under this Agreement
shall terminate as of the effective date of the order.

4.4Default.Notwithstanding any provision of this Agreement to the contrary, if the Bank is in "default" or "in
danger of default", as those terms are defined in of section 3(x) of the Federal Deposit Insurance Act, 12 U.S.C. 1813(x), all obligations under this Agreement shall terminate.

4.5Termination of Participation.The Employee's rights under this Agreement shall cease when the Employee's
employment with the Bank terminates, except as provided in Section 2.2 (termination
because of Disability), Section 2.3 (termination within 12 months after a Change in Control), or Section 2.4 (termination on or after the Retirement Age).

Article 5  Claims and Review Procedures

5.1Claims Procedure.A participant or beneficiary ("claimant") who has not received benefits under the
Agreement that he or she believes should be paid shall make a claim for such benefits as follows:



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5.2Review Procedure.If the Bank denies part or all of the claim, the claimant shall have the opportunity for a
full and fair review by the Bank of the denial, as follows:



Article 6  Miscellaneous

6.1Amendments and Termination.The Bank may amend or terminate this Agreement at any time if, because of
legislative, judicial, or regulatory action, continuation of the Agreement would (a) cause benefits to be taxable to the Employee prior to actual receipt, or (b) result in significant
financial penalties or other significantly detrimental ramifications to the Bank (other than the financial impact of paying the benefits).

6.2Binding Effect.This Agreement shall bind the Employee and the Bank and their beneficiaries, survivors,
executors, administrators, and transferees.

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6.3No Guarantee of Employment.This Agreement is not a contract of employment. It does not give the Employee
the right to remain an employee of the Bank, nor does it interfere with the Bank's right to discharge the Employee. This Agreement does not affect the employment status of the Employee, whether the
Employee is an employee at will or otherwise. It also does not require the Employee to remain an employee nor interfere with the Employee's right to terminate employment at any time.

6.4Non-Transferability.Benefits under this Agreement cannot be sold, transferred, assigned,
pledged, attached, or encumbered in any manner.

6.5Successors; Binding Agreement.By an assumption agreement in form and substance satisfactory to the
Employee, the Bank will require any successor (whether direct or indirect, by purchase, merger, consolidation, or otherwise) to all or substantially all of the business or assets of the Bank to
expressly assume and agree to perform this Agreement in the same manner and to the same extent that the Bank would be required to perform this Agreement if no such succession had occurred.

6.6Tax Withholding.The Bank shall withhold any taxes that are required to be withheld from the benefits
provided under this Agreement.

6.7Applicable Law.Except to the extent preempted by the laws of the United States of America, the validity,
interpretation, construction, and performance of this Agreement shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without giving effect to the
principles of conflict of laws of such state.

6.8Unfunded Arrangement.The Employee's beneficiary(ies) are general unsecured creditors of the Bank for the
payment of benefits under this Agreement. The benefits represent the mere promise by the Bank to pay such benefits. The rights to benefits are not subject in any manner to anticipation, alienation,
sale, transfer, assignment, pledge, encumbrance, attachment, or garnishment by creditors. Any insurance on the Employee's life is a general asset of the Bank to which the Employee and the Employee's
beneficiary(ies) have no preferred or secured claim.

6.9Entire Agreement.This Agreement constitutes the entire agreement between the Bank and the Employee as to
the subject matter hereof. No rights are granted to the Employee's beneficiary by this Agreement other than those specifically set forth herein.

6.10Administration.The Bank shall have all powers necessary to administer this Agreement, including but not
limited to:



6.11Named Fiduciary.For purposes of the Employee Retirement Income Security Act of 1974, if applicable, the
Bank shall be the named fiduciary and plan administrator under this Agreement. The named fiduciary may delegate to others certain aspects of the management and operation responsibilities of the plan
including the employment of advisors and the delegation of ministerial duties to qualified individuals.

6.12Severability.If for any reason any provision of this Agreement is held invalid, such invalidity shall not
affect any other provision of this Agreement not held invalid, and each such other provision shall continue in full force and effect to the full extent consistent with law. If any provision of this
Agreement is held invalid in part, such invalidity shall not affect the remainder of such provision not

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held
invalid, and the remainder of such provision, together with all other provisions of this Agreement, shall continue in full force and effect to the full extent consistent with law.

6.13Headings.The headings of sections herein are included solely for convenience of reference and shall not
affect the meaning or interpretation of any provision of this Agreement.

6.14Notices,All notices, requests, demands, and other communications hereunder shall be in writing and shall
be deemed to have been duly given if delivered by hand or mailed, certified or registered mail, return receipt requested, with postage prepaid, to the following addresses or to such other address as
either party may designate by like notice.








IN WITNESS WHEREOF, the Employee and a duly authorized Bank officer have executed this Agreement as of the date first written above.

|EMPLOYEE:          |  | BANK:First Financial Bank
|------------------ |  | -------------------------
|[Name of Employee] |  | By:                      
|                   |  | Its:                     

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BENEFICIARY DESIGNATION    FIRST FINANCIAL BANK  EXECUTIVE SURVIVOR INCOME AGREEMENT

I designate the following as beneficiary of benefits under this Agreement payable following my death:

|Primary:    | 
|----------- | 
|Contingent: | 

I
understand that I may change these beneficiary designations by filing a new written designation with the Bank, I further understand that the designations will be automatically revoked
if the beneficiary predeceases me, or if I have named my spouse as beneficiary and our marriage is subsequently dissolved.

Signature:Date:


Received
by the Bank this day of                        , 2003.

By:Title:


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