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          EXHIBIT 10.3: FORM OF INCENTIVE STOCK OPTION AWARD AGREEMENT


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                                     FORM OF
                     INCENTIVE STOCK OPTION AWARD AGREEMENT
         FOR THE SUGAR CREEK FINANCIAL CORP. 2007 EQUITY INCENTIVE PLAN

         This Award Agreement is provided to ________________ (the
"Participant") by Sugar Creek Financial Corp. (the "Company") as of _________
(the "Grant Date"), the date the Compensation Committee of the Board of
Directors (the "Committee") granted the Participant the right and option to
purchase Shares pursuant to the Sugar Creek Financial Corp. 2007 Equity
Incentive Plan (the "2007 Plan"), subject to the terms and conditions of the
2007 Plan and this Award Agreement:

         1.       OPTION GRANT:               You have been granted an INCENTIVE
                                              STOCK OPTION (referred to in this
                                              Agreement as your "Option").
         2.       NUMBER OF SHARES
                  SUBJECT TO YOUR OPTION:     ___________ shares of Common Stock
                                              ("Shares"), subject to adjustment
                                              as may be necessary pursuant to
                                              Article 10 of the 2007 Plan.

         3.       GRANT DATE:                 ___________

         4.       EXERCISE PRICE:             You may purchase Shares covered by
                                              your Option at a price of $_______
                                              per share.

         Unless sooner vested in accordance with Section 2 of the Terms and
Conditions (attached hereto) or otherwise in the discretion of the Committee,
the Options shall vest (become exercisable) in accordance with the following
schedule:
<TABLE>
<CAPTION>

      Continuous Status          Percentage of Option    Number of Shares
       as a Participant           Vested/Number of        Available for
       after Grant Date               Shares               Exercise           Vesting Date
      <S>                            <C>                   <C>                  <C>
      Less than 1 year                 0%
      1 year                          20%
      2 years                         40%
      3 years                         60%
      4 years                         80%
      5 years                        100%                  _____                ______
</TABLE>


         IN WITNESS WHEREOF, Sugar Creek Financial Corp., acting by and through
the Committee, has caused this Award Agreement to be executed as of the Grant
Date set forth above.

                                     SUGAR CREEK FINANCIAL CORP.


                                     By:
                                         ---------------------------------------
                                         On behalf of the Compensation Committee

ACCEPTED BY PARTICIPANT:


--------------------------
[Name]

--------------------------
Date


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TERMS AND CONDITIONS

1.       GRANT OF OPTION. The Grant Date, Exercise Price and number of Shares
         subject to your Option are stated on page 1 of this Award Agreement.
         Capitalized terms used herein and not otherwise defined shall have the
         meanings assigned to such terms in the 2007 Plan. The Company intends
         this grant to qualify as an Incentive Stock Option under Section 422 of
         the Internal Revenue Code of 1986, as amended.

2.       VESTING OF OPTIONS. The Option shall vest (become exercisable) in
         accordance with the vesting schedule shown on page 1 of this Award
         Agreement. Notwithstanding the vesting schedule on page 1, the Option
         will also vest and become exercisable:

         (a)    Upon your death or Disability during your Continuous Status as a
                Participant; or

        (b)     Upon a Change in Control (as defined in the 2007 Plan).

3.       TERM OF OPTIONS AND LIMITATIONS ON RIGHT TO EXERCISE. The term of the
         Option will be for a period of ten (10) years, expiring at 5:00 p.m.,
         Eastern Time, on the tenth anniversary of the Grant Date (the
         "Expiration Date"). To the extent not previously exercised, the vested
         portion of your Option will lapse prior to the Expiration Date upon the
         earliest to occur of the following circumstances:

         (a)    Three (3) months after the termination of your Continuous
                Status as a Participant for any reason other than your death
                or Disability.

         (b)    Twelve (12) months after termination of your Continuous Status
                as a Participant by reason of Disability.

         (c)    Twelve (12) months after the date of your death, if you die
                while employed, or during the three-month period described in
                subsection (a) above or during the twelve-month period
                described in subsection (b) above and before the Option would
                otherwise lapse. Upon your death, your beneficiary (designated
                pursuant to the terms of the 2007 Plan) may exercise your
                Option.

        (d)     At the end of the remaining original term of the Option, if
                your employment is involuntarily or constructively terminated
                within twelve (12) months of a Change in Control. Options
                exercised more than three (3) months after your termination
                date will be treated as Non-Statutory Stock Options for tax
                purposes.

         The Committee may, prior to the lapse of your Option under the
         circumstances described in paragraphs (a), (b), (c) or (d) above,
         extend the time to exercise your Option as determined by the Committee
         in writing and subject to federal regulations. If you return to
         employment with the Company during the designated post-termination
         exercise period, then you will be restored to the status as a
         Participant that you held prior to termination, but no vesting credit
         will be earned for any period you were not in Continuous Status as a
         Participant. If you or your beneficiary exercises an Option after your
         termination of service, the Option may be exercised only with respect
         to the Shares that were otherwise vested on the date of your
         termination of service.
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4.      EXERCISE OF OPTION. You may exercise your Option by providing:

        (a)     a written notice of intent to exercise to [_____________] at the
                address and in the form specified by the Committee from time to
                time; and

        (b)     payment to the Company in full for the Shares subject to the
                exercise (unless the exercise is a cashless exercise). Payment
                for such Shares can be made in cash, Company common stock
                ("stock swap"), a combination of cash and Company common stock
                or by means of "cashless exercise" (if permitted by the
                Committee).

5.      BENEFICIARY DESIGNATION. You may, in the manner determined by the
        Committee, designate a beneficiary to exercise your rights under the
        2007 Plan and to receive any distribution with respect to this Option
        upon your death. A beneficiary, legal guardian, legal representative, or
        other person claiming any rights under the 2007 Plan is subject to all
        terms and conditions of this Award Agreement and the 2007 Plan, and to
        any additional restrictions deemed necessary or appropriate by the
        Committee. If you have not designated a beneficiary or none survives
        you, the Option may be exercised by the legal representative of your
        estate, and payment will be made to your estate. You may change or
        revoke a beneficiary designation at any time, provided the change or
        revocation is filed with the Company.

6.      WITHHOLDING.

        (A)     EXERCISE OF INCENTIVE
                STOCK OPTION:          There are no regular federal or state
                                       income or employment tax liabilities upon
                                       the exercise of an Incentive Stock Option
                                       (SEE INCENTIVE STOCK OPTION HOLDING
                                       PERIOD), although the excess, if any, of
                                       the Fair Market Value of the shares of
                                       Common Stock on the date of exercise over
                                       the Exercise Price will be treated as
                                       income for alternative minimum tax
                                       ("AMT") purposes and may subject you to
                                       AMT in the year of exercise. PLEASE CHECK
                                       WITH YOUR TAX ADVISOR.

         (B)    DISQUALIFYING DISPOSITION:

                                       In the event of a disqualifying
                                       disposition (described below), you may be
                                       required to pay Sugar Creek Financial
                                       Corp. or its Affiliates (based on the
                                       federal and state regulations in place at
                                       the time of exercise) an amount
                                       sufficient to satisfy all federal, state
                                       and local tax withholding.

         (C)    INCENTIVE STOCK OPTION
                HOLDING PERIOD:
                                       In order to receive Incentive Stock
                                       Option tax treatment under Section 422 of
                                       the Code, you may not dispose of Shares
                                       acquired under an Incentive Stock Option
                                       Award (i) for two (2) years from the Date
                                       of Grant and (ii) for one (1) year after
                                       the date you exercise your Incentive
                                       Stock Option. YOU MUST NOTIFY THE COMPANY
                                       WITHIN TEN (10) DAYS OF AN EARLY
                                       DISPOSITION OF COMMON STOCK (I.E., A
                                       "DISQUALIFYING DISPOSITION").

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7.       LIMITATION OF RIGHTS. This Option does not confer on you or your
         beneficiary any rights as a shareholder of the Company unless and until
         Shares are in fact issued in connection with the Option exercise.
         Nothing in this Award Agreement will interfere with or limit in any way
         the right of the Company or any Affiliate to terminate your service at
         any time, nor confer upon you any right to continue in the service of
         the Company or any Affiliate.

8.       STOCK RESERVE. The Company shall, at all times during the term of this
         Award Agreement, reserve and keep available a sufficient number of
         Shares to satisfy the requirements of this Award Agreement.

9.       RESTRICTIONS ON TRANSFER AND PLEDGE. You may not pledge, encumber, or
         hypothecate your rights or interests in this Option to or in favor of
         any party other than the Company or an Affiliate, and the Option shall
         not be subject to any lien, obligation, or liability of the Participant
         to any other party other than the Company or an Affiliate. You may not
         assign or transfer the Option, other than by will or the laws of
         descent and distribution or pursuant to a domestic relations order that
         would satisfy Section 414(p)(1)(A) of the Code, if such Section applied
         to an Option under the 2007 Plan. Only you or a permitted transferee
         may exercise the Option during your lifetime.

10.      PLAN CONTROLS. The terms contained in the 2007 Plan are incorporated
         into and made a part of this Award Agreement and this Award Agreement
         shall be governed by and construed in accordance with the 2007 Plan. In
         the event of any actual or alleged conflict between the provisions of
         the 2007 Plan and the provisions of this Award Agreement, the
         provisions of the 2007 Plan will control.

11.      SUCCESSORS. This Award Agreement shall be binding upon any successor of
         the Company, in accordance with the terms of this Award Agreement and
         the 2007 Plan.

12.      SEVERABILITY. If any one or more of the provisions contained in this
         Award Agreement is invalid, illegal or unenforceable, the other
         provisions of this Award Agreement will be construed and enforced as if
         the invalid, illegal or unenforceable provision had never been included
         in the Award Agreement.

13.      NOTICE. Notices and communications under this Award Agreement must be
         in writing and either personally delivered or sent by registered or
         certified United States mail, return receipt requested, postage
         prepaid. Notices to the Company must be addressed to:

                          Sugar Creek Financial Corp.
                          28 West Broadway
                          Trenton, IL 62293

         or any other address designated by the Company in a written notice to
         the Participant. Notices to you will be directed to your address, then
         currently on file with the Company, or to any other address that you
         provide in a written notice to the Company.