<PAGE>
                                                                   EXHIBIT 10.13

                            WEST POINTE BANCORP, INC.
                                       AND
                       WEST POINTE BANK AND TRUST COMPANY
                          SALARY CONTINUATION AGREEMENT

      THIS AGREEMENT is made as of the 1st day of January, 2003, by and between
WEST POINTE BANCORP, INC. and WEST POINTE BANK AND TRUST COMPANY, a holding
company and a state commercial bank, located in Belleville, Illinois (the
"Company") and Albert A. Miller (the "Executive").

                                  INTRODUCTION

      To encourage the Executive to remain an employee of the Company, the
Company is willing to provide salary continuation benefits to the Executive. The
Company will pay the benefits from its general assets.

                                    AGREEMENT

      The Executive and the Company agree as follows:

                                    ARTICLE 1

                                   DEFINITIONS

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

            1.1.1 "Change of Control" means:

                  (a)   The consummation by either West Pointe Bancorp, Inc. or
                        West Pointe Bank and Trust Company of a merger,
                        consolidation or other reorganization if the percentage
                        of the voting common stock of the surviving or resulting
                        entity held or received by all persons who were owners
                        of common stock of West Pointe Bancorp, Inc.


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                        or West Pointe Bank and Trust Company, whichever is
                        applicable, immediately prior to such merger,
                        consolidation or reorganization is less than 50.1% of
                        the total voting common stock of the surviving or
                        resulting entity outstanding immediately after such
                        merger, consolidation or reorganization and after giving
                        effect to any additional issuance of voting common stock
                        contemplated by the plan for such merger, consolidation
                        or reorganization;

                  (b)   At any time during a period of two consecutive years,
                        individuals who at the beginning of such period
                        constituted the Board of Directors of either West Pointe
                        Bancorp, Inc. or West Pointe Bank and Trust Company
                        shall cease for any reason to constitute at least a
                        majority thereof, unless the election or the nomination
                        for election by West Pointe Bancorp, Inc.'s or West
                        Pointe Bank and Trust Company's shareholders, whichever
                        is applicable, of each new director during such two year
                        period was approved by a vote of at least two-thirds of
                        the directors of such entity then still in office who
                        were directors at the beginning of such two year period;

                  (c)   The sale, lease, exchange or other transfer of all or
                        substantially all of the assets (in one transaction or
                        in a series of related transactions) of either West
                        Pointe Bancorp, Inc. or West Pointe Bank and Trust
                        Company to another corporation or entity that is not
                        owned, directly or indirectly, by either West Pointe
                        Bancorp, Inc. or West Pointe Bank and Trust Company.
                        "Substantially all"


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                        shall mean a sale, lease, exchange or other transfer
                        involving seventy percent (70%) or more of the fair
                        market value of the assets of such entity; or

                  (d)   The liquidation or dissolution of either West Pointe
                        Bancorp, Inc. or West Pointe Bank and Trust Company;

      Followed within twelve (12) months by the Executive's Termination of
Employment for reasons other than death, Disability or retirement.

            1.1.2 "Code" means the Internal Revenue Code of 1986, as amended.

            1.1.3 "Disability" means the Executive's suffering a sickness,
      accident or injury which has been determined by the carrier of any
      individual or group disability insurance policy covering the Executive, or
      by the Social Security Administration, to be a disability rendering the
      Executive totally and permanently disabled. The Executive must submit
      proof to the Company of the carrier's or Social Security Administration's
      determination upon the request of the Company.

            1.1.4 "Early Termination" means the Termination of Employment before
      Normal Retirement Age for reasons other than death, Disability,
      Termination for Cause or following a Change of Control.

            1.1.5 "Early Termination Date" means the month, day and year in
      which Early Termination occurs.

            1.1.6 "Effective Date" means January 1, 2003.

            1.1.7 "Normal Retirement Age" means the Executive's 69th birthday.

            1.1.8 "Normal Retirement Date" means the later of the Normal
      Retirement Age or Termination of Employment.


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            1.1.9 "Plan Year" means a twelve month period commencing on January
      1 and ending on December 31 of each year. The initial Plan Year shall
      commence on the effective date of this Agreement.


            1.1.10 "Termination for Cause" See Section 5.2.

            1.1.11 "Termination of Employment" means that the Executive ceases
      to be employed by the Company for any reason whatsoever other than by
      reason of a leave of absence which is approved by the Company. For
      purposes of this Agreement, if there is a dispute over the employment
      status of the Executive or the date of the Executive's Termination of
      Employment, the Company shall have the sole and absolute right to decide
      the dispute.

                                   ARTICLE 2

                          SALARY CONTINUATION BENEFITS

      2.1 Normal Retirement Benefit. Upon Termination of Employment on or after
the Normal Retirement Age for reasons other than death, the Company shall pay to
the Executive the benefit described in this Section 2.1 in lieu of any other
benefit under this Agreement.

            2.1.1 Amount of Benefit. The annual benefit under this Section 2.1
      is twenty two thousand nine hundred sixty six dollars ($22,966). The
      Company's Board of Directors, in its sole discretion, may increase the
      annual benefit under this Section 2.1.1; however, any increase shall
      require the recalculation of Schedule A.

            2.1.2 Payment of Benefit. The Company shall pay the benefit to the
      Executive in 12 equal monthly installments on the first day of each month
      commencing with the month following the Executive's Normal Retirement Date
      and continuing until a total of


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      179 additional monthly payments have been made to the Executive or to the
      Executive's beneficiary.

            2.1.3 Benefit Increases. Commencing on the first anniversary of the
      first benefit payment, and continuing on each subsequent anniversary, the
      Company's Board of Directors, in its sole discretion, may increase the
      benefit.

      2.2 Early Termination Benefit. Upon Early Termination, the Company shall
pay to the Executive the benefit described in this Section 2.2 in lieu of any
other benefit under this Agreement.

            2.2.1 Amount of Benefit. The benefit under this Section 2.2 is the
      Early Termination Annual Benefit amount set forth in Schedule A for the
      Plan Year ending immediately prior to the Early Termination Date,
      determined by vesting the Executive in 20 percent of the Accrual Balance
      set forth in Schedule A for the sixth Plan Year, and an additional 20
      percent of said amount for each succeeding year thereafter until the
      Executive becomes 100 percent vested in the accrual balance. The benefit
      is determined by calculating a 15-year fixed annuity from the Accrual
      Balance, crediting interest on the unpaid balance at an annual rate of 7.5
      percent, compounded monthly. However, any increase in the annual benefit
      under Section 2.1.1 shall require the recalculation of the Early
      Termination benefit on Schedule A.

            2.2.2 Payment of Benefit. The Company shall pay the annual benefit
      to the Executive in 12 equal monthly installments payable on the first day
      of each month commencing with the month following the Termination of
      Employment and continuing for 179 additional months.


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            2.2.3 Benefit Increases. Benefit payments may be increased as
      provided in Section 2.1.3.

      2.3 Disability Benefit. If the Executive terminates employment due to
Disability prior to Normal Retirement Age, the Company shall pay to the
Executive the benefit described in this Section 2.3 in lieu of any other benefit
under this Agreement.

            2.3.1 Amount of Benefit. The benefit under this Section 2.3 is the
      Disability Annual Benefit amount set forth in Schedule A for the Plan Year
      ending immediately prior to the date in which the Termination of
      Employment occurs, determined by vesting the Executive in 20 percent of
      the Accrual Balance set forth in Schedule A for the sixth Plan Year, and
      an additional 20 percent of said amount for each succeeding year
      thereafter until the Executive becomes 100 percent vested in the accrual
      balance. The benefit is determined by calculating a 15-year fixed annuity
      from the Accrual Balance, crediting interest on the unpaid balance at an
      annual rate of 7.5 percent, compounded monthly. However, any increase in
      the annual benefit under Section 2.1.1 shall require the recalculation of
      the Early Termination benefit on Schedule A.

            2.3.2 Payment of Benefit. The Company shall pay the annual benefit
      amount to the Executive in 12 equal monthly installments payable on the
      first day of each month commencing with the month following the
      Termination of Employment and continuing for 179 additional months.

            2.3.3 Benefit Increases. Benefit payments may be increased as
      provided in Section 2.1.3.


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      2.4 Change of Control Benefit. Upon a Change of Control, the Company shall
pay to the Executive the benefit described in this Section 2.4 in lieu of any
other benefit under this Agreement.

            2.4.1 Amount of Benefit. The annual benefit under this Section 2.4
      is the Normal Retirement Benefit amount described in Section 2.1.1. The
      Executive shall be 100 percent vested in this benefit. However, any
      increase in the annual benefit under Section 2.1.1 would require the
      recalculation of the Change of Control benefit on Schedule A.

            2.4.2 Payment of Benefit. The Company shall pay the annual benefit
      amount to the Executive in 12 equal monthly installments payable on the
      first day of each month commencing with the month following the Normal
      Retirement Age and continuing for 179 additional months.

            2.4.3 Benefit Increases. Benefit payments may be increased as
      provided in Section 2.1.3.

                                   ARTICLE 3

                                 DEATH BENEFITS

      3.1 Death During Active Service. If the Executive dies while in the active
service of the Company, the Company shall pay to the Executive's beneficiary the
benefit described in this Section 3.1. This benefit shall be paid in lieu of the
Salary Continuation Benefits of Article 2.

            3.1.1 Amount of Benefit. The annual benefit under this Section 3.1
      is the Accrual Balance set forth in Schedule A for the Plan Year
      immediately prior to the death of the Executive.


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            3.1.2 Payment of Benefit. The Company shall pay the benefit to the
      Executive's beneficiary in a lump sum within 60 days of the death of the
      Executive.

      3.2 Death During Benefit Period. If the Executive dies after the benefit
payments have commenced under this Agreement but before receiving all such
payments, the Company shall pay the remaining benefits to the Executive's
beneficiary at the same time and in the same amounts they would have been paid
to the Executive had the Executive survived.

      3.3 Death Following Termination of Employment But Before Benefits
Commence. If the Executive is entitled to benefits under this Agreement, but
dies prior to receiving said benefits, the Company shall pay to the Executive's
beneficiary the same benefits, in the same manner, they would have been paid to
the Executive had the Executive survived, however, said benefit payments will
commence upon the Executive's death.

                                    ARTICLE 4

                                  BENEFICIARIES

      4.1 Beneficiary Designations. The Executive shall designate a beneficiary
by filing a written designation with the Company. The Executive may revoke or
modify the designation at any time by filing a new designation. However,
designations will only be effective if signed by the Executive and accepted by
the Company during the Executive's lifetime. The Executive's beneficiary
designation shall be deemed automatically revoked if the beneficiary predeceases
the Executive, or if the Executive names a spouse as beneficiary and the
marriage is subsequently dissolved. If the Executive dies without a valid
beneficiary designation, all payments shall be made to the Executive's estate.

      4.2 Facility of Payment. If a benefit is payable to a minor, to a person
declared incapacitated, or to a person incapable of handling the disposition of
his or her property, the


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Company may pay such benefit to the guardian, legal representative or person
having the care or custody of such minor, incapacitated person or incapable
person. The Company may require proof of incapacity, minority or guardianship as
it may deem appropriate prior to distribution of the benefit. Such distribution
shall completely discharge the Company from all liability with respect to such
benefit.

                                    ARTICLE 5

                               GENERAL LIMITATIONS

      5.1 Excess Parachute Payment. Notwithstanding any provision of this
Agreement to the contrary, if the benefits otherwise payable under this
Agreement would cause an excise tax to be payable under the excess parachute
rules of Section 280G of the Code, such benefits shall be cut back to the
minimum extent necessary so that no such excise tax will be payable.

      5.2 Termination for Cause. Notwithstanding any provision of this Agreement
to the contrary, the Company shall not pay any benefit under this Agreement if
the Company terminates the Executive's employment for:

            5.2.1 Gross negligence or gross neglect of duties;

            5.2.2 Commission of a felony or of a gross misdemeanor involving
      moral turpitude; or

            5.2.3 Fraud, disloyalty, dishonesty or willful violation of any law
      or significant Company policy committed in connection with the Executive's
      employment and resulting in an adverse effect on the Company.

      5.3 Competition After Termination of Employment. The Company shall not pay
any benefit under this Agreement if, during the three year period commencing on
the date of the Executive's Termination of Employment, the Executive, without
the prior written consent of the


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Company, engages in, becomes interested in, directly or indirectly, as a sole
proprietor, as a 10% partner in a partnership, or as a 10% shareholder in a
corporation, or becomes associated with, in the capacity of employee, director,
officer, principal, agent, trustee or in any other capacity whatsoever, any
enterprise conducted in the trading area (a 10 mile radius) of the principal
place of business of the Company, which enterprise is, or may be deemed to be
competitive with any business carried on by the Company as of the date of
termination of the Executive's employment or retirement. This section shall not
apply following a Change of Control. This section shall not require the
Executive to repay any benefits previously received under this Agreement.

      5.4 Suicide or Misstatement. No benefits shall be payable if the Executive
commits suicide within two years after the date of this Agreement, or if the
Executive has made any material misstatement of fact on any application for life
insurance purchased by the Company.

                                   ARTICLE 6

                          CLAIMS AND REVIEW PROCEDURES

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

            6.1.1 Initiation - Written Claim. The claimant initiates a claim by
      submitting to the Company a written claim for the benefits.

            6.1.2 Timing of Company Response. The Company shall respond to such
      claimant within 90 days after receiving the claim. If the Company
      determines that special circumstances require additional time for
      processing the claim, the Company can extend the response period by an
      additional 90 days by notifying the claimant in writing, prior to the end
      of the initial 90-day period, that an additional period is required. The


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      notice of extension must set forth the special circumstances and the date
      by which the Company expects to render its decision.

            6.1.3 Notice of Decision. If the Company denies part or all of the
      claim, the Company shall notify the claimant in writing of such denial.
      The Company shall write the notification in a manner calculated to be
      understood by the claimant. The notification shall set forth:

                        6.1.3.1 The specific reasons for the denial.

                        6.1.3.2 A reference to the specific provisions of the
                                Plan on which the denial is based.

                        6.1.3.3 A description of any additional information or
                                material necessary for the claimant to perfect
                                the claim and an explanation of why it is
                                needed.

                        6.1.3.4 An explanation of the Plan's review procedures
                                and the time limits applicable to such
                                procedures, and

                        6.1.3.5 A statement of the claimant's right to bring a
                                civil action under ERISA Section 502 (a)
                                following an adverse benefit determination on
                                review.

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

            6.2.1 Initiation - Written Request. To initiate the review, the
      claimant, within 60 days after receiving the Company's notice of denial,
      must file with the Company a written request for review.


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            6.2.2 Additional Submissions - Information Access. The claimant
      shall then have the opportunity to submit written comments, documents,
      records and other information relating to the claim. The Company shall
      also provide the claimant, upon request and free of charge, reasonable
      access to, and copies of, all documents, records and other information
      relevant (as defined in applicable ERISA regulations) to the claimant's
      claim for benefits.

            6.2.3 Considerations on Review. In considering the review, the
      Company shall take into account all materials and information the claimant
      submits relating to the claim, without regard to whether such information
      was submitted or considered, in the initial benefit determination.

            6.2.4 Timing of Company Response. The Company shall respond in
      writing to such claimant within 60 days after receiving the request for
      review. If the Company determines that special circumstances require
      additional time for processing the claim, the Company can extend the
      response period by an additional 60 days by notifying the claimant in
      writing, prior to the end of the initial 60 day period that an additional
      period is required. The notice of extension must set forth the special
      circumstances and the date by which the Company expects to render its
      decision.

            6.2.5 Notice of Decision. The Company shall notify the claimant in
      writing of its decision on review. The Company shall write the
      notification in a manner calculated to be understood by the claimant. The
      notification shall set forth:

                        6.2.5.1 The specific reasons for the denial.

                        6.2.5.2 A reference to the specific provisions of the
                                Plan on which the denial is based.


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                        6.2.5.3 A statement that the claimant is entitled to
                                receive, upon request and free of charge,
                                reasonable access to, and copies of, all
                                documents, records and other information (as
                                defined in applicable ERISA regulations) to the
                                claimant's claim for benefits, and

                        6.2.5.4 A statement of the claimant's right to bring a
                                civil action under ERISA Section 502 (a).

                                   ARTICLE 7

                           AMENDMENTS AND TERMINATION

      This Agreement may be amended or terminated only by a written agreement
signed by the Company and the Executive.

                                    ARTICLE 8

                                  MISCELLANEOUS

      8.1 Binding Effect. This Agreement shall bind the Executive and the
Company, and their beneficiaries, survivors, executors, successors,
administrators and transferees.

      8.2 No Guarantee of Employment. This Agreement is not an employment policy
or contract. It does not give the Executive the right to remain an employee of
the Company, nor does it interfere with the Company's right to discharge the
Executive. It also does not require the Executive to remain an employee nor
interfere with the Executive's right to terminate employment at any time.

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


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

      8.5 Applicable Law. This Agreement and all rights hereunder shall be
construed and governed by the laws of the State of Illinois, without regard to
the principles of conflicts of law which might otherwise apply.

      8.6 Unfunded Arrangement. The Executive and beneficiaries are general
unsecured creditors of the Company for the payment of benefits under this
Agreement. The benefits represent the mere promise by the Company 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 Executive's life is a general
asset of the Company to which the Executive and beneficiary have no preferred or
secured claim.

      8.7 Entire Agreement. This Agreement constitutes the entire agreement
between the Company and the Executive as to the subject matter hereof. No rights
are granted to the Executive by virtue of this Agreement other than those
specifically set forth herein.

      8.8 Administration. The Company shall have powers which are necessary to
administer this Agreement, including but not limited to:

            8.8.1 Interpreting the provisions of the Agreement;

            8.8.2 Establishing and revising the method of accounting for the
      Agreement;

            8.8.3 Maintaining a record of benefit payments; and

            8.8.4 Establishing rules and prescribing any forms necessary or
      desirable to administer the Agreement.


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      8.9 Designated Fiduciary. For purposes of the Employee Retirement Income
Security Act of 1974, if applicable, the Company shall be the named fiduciary
and plan administrator under the 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.

      IN WITNESS WHEREOF, the Executive and a duly authorized Company officer
have signed this Agreement.

EXECUTIVE:                                COMPANY:

                                          WEST POINTE BANCORP, INC. and
                                          WEST POINTE BANK AND TRUST COMPANY

/s/ Albert A. Miller                      By /s/ Terry W. Schaefer
------------------------------------        ----------------------------------
Albert A. Miller                          Title
                                               -------------------------------


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                             BENEFICIARY DESIGNATION

                          WEST POINTE BANCORP, INC. AND
                       WEST POINTE BANK AND TRUST COMPANY
                          SALARY CONTINUATION AGREEMENT

                                ALBERT A. MILLER

I designate the following as beneficiary of any death benefits under the WEST
POINTE BANCORP, INC. and WEST POINTE BANK AND TRUST COMPANY Salary Continuation
Agreement:

Primary:
        ----------------------------------------------------------------------

------------------------------------------------------------------------------

Contingent:
           -------------------------------------------------------------------

------------------------------------------------------------------------------

NOTE: TO NAME A TRUST AS BENEFICIARY, PLEASE PROVIDE THE NAME OF THE TRUSTEE(S)
      AND THE EXACT NAME AND DATE OF THE TRUST AGREEMENT.

I understand that I may change these beneficiary designations by filing a new
written designation with the Company. 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
    --------------------------------

Accepted by the Company this _____ day of _______________, 200__.

By
  ----------------------------------

Title
     -------------------------------


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Clark/Bardes Consulting      WEST POINTE BANK & TRUST CO.
                             SCHEDULE A
                             --------------------------------------------------
<TABLE>
<CAPTION>

Albert A. Miller                                    Early Voluntary
DOB: 3/4/1940                                         Termination           Disability        Change of Control      PreRetirement
Effective Date: 1/1/2003                                                                                             Death Benefit
Retirement Age: 69                                     Installment           Installment         Installment           Lump Sum
Payments: Monthly Installments                     Payable Immediately   Payable Immediately    Payable at 69
------------------------------------------------   -------------------  --------------------  -------------------   ---------------
                              Benefit    Accrual             Based On             Based On              Based On        Based On
                               Level     Balance   Vesting    Accrual    Vesting   Accrual    Vesting    Benefit         Accrual
Period                        -------   --------   -------   --------    -------  --------    -------   ---------   ---------------
Ending                  Age      (1)       (2)        (3)        (4)       (5)       (6)         (7)       (8)             (9)
-------------------    ----   -------   --------   -------   --------    -------  --------    -------   ---------   ---------------
<S>                    <C>    <C>       <C>        <C>       <C>         <C>      <C>         <C>       <C>         <C>
Dec 2003(1)             63     22,966     27,533       0%           0         0%        0       100%      22,966           27,533
Dec 2004                64     22,966     57,203       0%           0         0%        0       100%      22,966           57,203
Dec 2005                65     22,966     89,177       0%           0         0%        0       100%      22,966           89,177
Dec 2006                66     22,966    123,633       0%           0         0%        0       100%      22,966          123,633
Dec 2007                67     22,966    160,764       0%           0         0%        0       100%      22,966          160,764

Dec 2008                68     22,966    200,777      20%       4,439        20%     4,439      100%      22,966          200,777
Feb 2009                68     22,966    207,742      20%       4,593        20%     4,593      100%      22,966          207,742
                                                        Srarting 3/1/2009, only interest is accrued.
Mar 2009                69     22,966    207,742     100%      22,966       100%    22,966      100%      22,966          207,742
                                                March 4, 2009 Retirement; April 1, 2009 First Payment Date
</TABLE>

(1) The first line reflects 12 months of data, January 2003 to December 2003.

Salary Continuation Plan for West Point Bank & Trust Co., Belleville, IL
[ILLEGIBLE]

ALBERT A. MILLER

[ILLEGIBLE]