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                                                                   EXHIBIT 10.20

               AMENDMENT TO SALARY CONTINUATION AGREEMENT BETWEEN
            DALE A. HOEPFINGER AND WEST POINTE BANCORP, INC. AND WEST
                          POINTE BANK AND TRUST COMPANY


         WHEREAS, Dale A. Hoepfinger, West Pointe Bancorp, Inc. and West Pointe
Bank And Trust Company entered into a Salary Continuation Agreement effective as
of January 1, 2003 ("Agreement"); and

         WHEREAS, the parties retained the right to amend the Agreement pursuant
to Article 7 thereof; and

         WHEREAS, the parties desire to amend the Agreement to revise the
definition of "Change of Control" and to clarify that no payments will be made
if such payment would contravene any applicable regulatory law, rule or
regulation;

         NOW, THEREFORE, the Agreement is amended effective as of January 1,
2003 as follows:

1. Section 1.1.1 is deleted and replaced with the following:

                  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. 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


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                                    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" 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.

2. Section 5.1 is deleted and replaced with the following:

                           5.1 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 excise tax will be payable; provided,
further, that no payment shall be made hereunder if such payment would
constitute a prohibited golden parachute payment or any other prohibited payment
under applicable regulatory law, rule or regulation.

         IN WITNESS WHEREOF, the parties have executed this Amendment on this
24th day of June, 2003.





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



/s/ Dale A. Hoepfinger              By /s/ Terry W. Schaefer
-------------------------              ----------------------------------------
Dale A. Hoepfinger                  Title President and CEO
                                          -------------------------------------




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