1


         AMENDMENT TO EMPLOYMENT AGREEMENT

          WHEREAS,  Mohawk  Community Bank (the "Bank") and John M. Lisicki (the
"Employee")  previously  entered into an Employment  Agreement (the "Agreement")
dated November 16, 1998, and

          WHEREAS, Section 13 of this Agreement provides that amendments to this
Agreement may be made in writing and signed by both parties,

          NOW  THEREFORE,  BE IT  RESOLVED  that this  Agreement  be  amended by
adoption and execution of this Amendment to the Agreement as follows.


          A.  Amendment  to  Section 17 of the  Agreement  by  inclusion  of the
following at the end of such section, as follows:

              In the event that the Employee  incurs  reasonable  legal fees and
              expenses  necessary to enforce his rights  under the  Agreement or
              the Employee otherwise incurs legal fees and expenses necessary to
              protect his individual rights and interests based upon his actions
              as an officer,  employee  and/or  director  of the Bank,  the Bank
              shall  indemnify  and  reimburse  the  Employee  for such fees and
              expenses to the maximum extent permitted under applicable law.

          B.  Amendment to the  Agreement by the addition of a new Section 18 of
the Agreement , as follows:

              18. Ambanc Guaranty. The Company shall guaranty the payment of the
Termination  Payment  referred  to in  Section  7(j)  of the  Agreement  and the
indemnification  and  reimbursement  to the  Employee for such fees and expenses
referenced  at Section 17 of the  Agreement in the event that the Bank fails for
any  reason  to make such  payments  to the  Employee  in a timely  manner  (the
"Guaranty").  The Employee in his reasonable  discretion may make written demand
to the Company for immediate payment in accordance with such Guaranty  following
the  failure  by the Bank to make  such  payments  in a timely  manner,  and the
Company shall thereafter make such payment to the Employee within three business
days of such demand.

          C.  Revision  to  Section  2 of  the  Agreement  by  inclusion  of the
following sentence at the end of such Section, as follows:

              "Notwithstanding  anything herein to the contrary,  the expiration
              term of the  Agreement  shall be November 16, 2003,  or such other
              later date as shall be hereafter authorized by the Board."


          D. All other provisions of the Agreement and of prior amendments shall
remain in full  force and  effect,  except as amended  in  accordance  with this
Amendment.





<PAGE>



                                        2


          As  Secretary  to the  Bank,  I  hereby  certify  that  the  foregoing
Amendment  was adopted and ratified by a majority vote of a meeting of the Board
of Directors of the Bank, held on November 29, 2000, a quorum being present.


                                                       /s/ Robert Kelly
                                                       -------------------------
                                                       Robert Kelly,  Secretary

SEAL


          IN WITNESS  WHEREOF,  the parties to the Agreement  dated November 16,
1998, as amended, do hereby execute this Amendment to the Agreement on this 21st
day of December, 2000.



                                                       Mohawk Community Bank



                                               By:     /s/ Lauren T. Barnett
                                                       -------------------------
                                                       Lauren T. Barnett,
                                                       Chairman of the Board



                                                       /s/ John M. Lisicki
                                                       -------------------------
                                                       John M. Lisicki, Employee

ATTEST:



/s/ Robert Kelly
-----------------------
Robert Kelly, Secretary

SEAL






<PAGE>



                                        3


          As Secretary to Ambanc Holding Co., Inc. ("Company"), I hereby certify
that the foregoing Amendment and related Agreement was adopted and ratified by a
majority  vote of a meeting of the Board of Directors  of the  Company,  held on
November 29, 2000, a quorum being present.



                                                       /s/ Robert Kelly
                                                       ------------------------
                                                       Robert Kelly, Secretary

SEAL




          IN WITNESS WHEREOF,  Ambanc Holding Co., Inc. does hereby execute this
Amendment as a party to the  Amendment  and a guarantor of payments  that may be
required to be made to the Employee  under the Agreement and the Amendment  this
21st day of December, 2000.



                                                        Ambanc Holding Co., Inc.



                                               By:     /s/ Lauren T. Barnett
                                                       -------------------------
                                                       Lauren T. Barnett,
                                                       Chairman of the Board

ATTEST:



/s/ Robert Kelly
-----------------------
Robert Kelly, Secretary



SEAL