EXHIBIT 10.2

EMPLOYMENT AGREEMENT

THIS
  IS AN AGREEMENT dated as of August 16, 1995, by and between SHORELINE FINANCIAL
  CORPORATION, a Michigan corporation ("Shoreline"), and WAYNE R. KOEBEL ("Employee").

Employee
  is currently serving as Executive Vice President, Chief Financial Officer, Secretary
  and Treasurer of Shoreline and Executive Vice President and Chief Financial
  Officer of Shoreline Bank (the "Bank"), a Michigan banking corporation and wholly
  owned subsidiary of Shoreline. In view of Employee's knowledge, reputation and
  substantial experience, the Board of Directors of Shoreline (the "Board") has
  determined that it is in the best interests of Shoreline and the Bank to obtain
  the continued services of Employee and the availability of his objective advice
  and counsel.

ACCORDINGLY,
  THE PARTIES AGREE AS FOLLOWS:

        1.          Employment.
  Shoreline agrees to employ Employee, effective as of the date of this Agreement
  (the "Employment"), to serve as the Executive Vice President, Chief Financial
  Officer, Secretary and Treasurer of Shoreline and the Executive Vice President
  and Chief Financial Officer of the Bank, or to serve such other subsidiary or
  subsidiaries of Shoreline as may be mutually agreed by Shoreline and Employee.
  Employee accepts the Employment on the terms and conditions set forth in this
  Agreement. Employee agrees to devote substantially his entire time and attention
  to the management and operation of Shoreline and the Bank, or such other duties
  as may be assigned to him by the Board pursuant to this Agreement. The Board
  may assign such other duties and responsibilities as are substantially consistent
  with the services being performed by Employee for Shoreline and the Bank on
  the date of this Agreement. Notwithstanding the foregoing, Employee's expenditure
  of reasonable amounts of time for personal or outside business, charitable and
  professional activities shall not be deemed to constitute a breach of this Agreement,
  so long as such activities do not materially interfere with the services required
  to be rendered by Employee under this Agreement.

        2.          Compensation.

        (a)          Salary
    and Bonus or Incentive Compensation. In
    consideration for his services, Employee shall be paid a salary and such bonus
    or incentive compensation as may be determined from time to time by the Board
    upon the recommendation of its Compensation Committee. In determining Employee's
    compensation, the Compensation Committee shall consider the prevailing compensation
    for comparable positions with peer group banks. During the term of this Agreement,
    Employee's salary shall not be decreased without his consent except pursuant
    to a general decrease in the salary of all senior officers of Shoreline. The
    Board may cause any Shoreline subsidiary to which Employee is rendering services
    pursuant to this Agreement to pay all or any part of Employee's salary, bonus,
    fringe benefits or other compensation under this Agreement in lieu of payment
    by Shoreline. Such payment by a subsidiary of Shoreline shall discharge the
    obligation of Shoreline under this Agreement to the extent of such payment.

        (b)          Benefits.
    Employee shall enjoy all rights, benefits and privileges to which he may be
    entitled as an employee of either or both of Shoreline or the Bank, as the
    case may be, under any retirement, deferred compensation, pension, profit
    sharing or other employee benefit plan, or under any policy of health, life,
    disability, hospitalization or other insurance which may now be in effect
    or which may hereafter be adopted, on a basis at least as favorable as is
    enjoyed by other employees of Shoreline or the Bank during the Employment.
    Employee shall be provided other fringe benefits on the same basis and at
    a level commensurate with those generally available to executive officers
    of Shoreline and the Bank.

        3.          Term
  and Termination. The Employment shall commence as of the date
  of this Agreement and shall continue until this Agreement is terminated in accordance
  with any of the following provisions:

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        (a)          Death.
    If Employee shall die while this Agreement is in effect, this Agreement shall
    terminate as of the date of his death. Shoreline shall cause Employee's compensation
    and benefits pursuant to Paragraph 2 of this Agreement to be paid through
    the last day of the calendar month in which Employee's death occurs.

        (b)          Disability.
    If Employee shall be unable to substantially perform his employment duties
    for a period of nine (9) successive months by reason of any physical or mental
    disability resulting from accident or illness, this Agreement may be terminated
    as of the end of any calendar month following the expiration of such nine-
    month period: (i) by Shoreline based upon a determination that Employee
    is disabled and by notice in writing to that effect to Employee; or (ii) by
    Employee by his resignation in writing to Shoreline. Any determination as
    to whether Employee is disabled shall be made by a licensed physician selected
    by agreement of Shoreline and Employee or, if they cannot agree upon a physician,
    then by a majority of a panel of three (3) licensed physicians, consisting
    of one physician selected by Shoreline, one physician selected by Employee,
    and the third selected by the first two. All rights of Employee to compensation
    under this Agreement shall terminate immediately upon termination of this
    Agreement pursuant to this Subparagraph 3(b).

        (c)          Termination
    for Cause. Shoreline shall have the right to terminate the Employment
    and this Agreement for "Cause". For purposes of this Agreement, "Cause" shall
    be limited to (i) the willful and continued failure by Employee to substantially
    perform such employment duties as are reasonable and appropriate to his positions
    (other than any failure resulting from a disability described in Subparagraph
    3(b)), after a demand for substantial performance is delivered to Employee
    on behalf of the Board which specifically identifies the manner in which it
    is alleged that Employee has not substantially performed his duties, or (ii) the
    willful engaging by Employee in misconduct which is materially injurious to
    Shoreline or the Bank, monetarily or otherwise, including without limitation,
    misappropriation of property or funds, conviction of a felony or violation
    of banking statutes or regulations. For purposes of this Subparagraph, no
    act or failure to act on Employee's part shall be considered "willful" unless
    done or omitted to be done by Employee not in good faith and without reasonable
    belief that his action or omission was in the best interests of Shoreline
    and the Bank. Notwithstanding the foregoing, this Agreement shall not be deemed
    to have been terminated for Cause unless and until there shall have been delivered
    to Employee written notice of termination on behalf of the Board after reasonable
    notice to him, an opportunity for him to be heard before the Board, and a
    finding that in the reasonable opinion of at least two-thirds (2/3) of the
    entire Board, Employee was guilty of conduct set forth above in clauses (i)
    or (ii) above and describing such conduct in detail.

        (d)          Termination
    by Employee for Good Reason. Employee shall
    have the right to terminate this Agreement for "Good Reason" by delivering
    to Shoreline written notice of termination within three (3) years after the
    occurrence of any of the events described in this Subparagraph. For purposes
    of this Agreement, "Good Reason" shall mean the occurrence of any of the following
    without Employee's express written consent:

        (i)         
      The assignment to Employee of any position or duties of materially less
      responsibility and status than Employee's present positions, duties, responsibilities
      and status with Shoreline or the Bank, or a materially adverse change in
      Employee's reporting responsibilities, titles or offices as presently in
      effect, or any removal of Employee from or any failure to reelect Employee
      to any of such positions, except in connection with the termination of this
      Agreement by reason of Employee's death or disability or for Cause, or by
      Employee pursuant to Subparagraph 3(e);

        (ii)         
      The failure by Shoreline to consider Employee for an increase in salary
      no less frequently than annually, or a material reduction or termination
      by Shoreline of Employee's salary, bonus, incentive compensation or any
      other forms of compensation payable to Employee pursuant to Subparagraph
      2(a);

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        (iii)         
      The relocation of Shoreline's principal executive offices to a location
      outside Berrien County, Michigan, or Shoreline's imposition of any requirement
      that Employee be based anywhere other than in Berrien County, Michigan;
      or

        (iv)         
      The failure of Shoreline to fulfill any of its obligations under this Agreement.

        (e)          Voluntary
    Termination by Employee. Employee shall have the right
    to voluntarily terminate this Agreement and the Employment for reasons other
    than those set forth in the foregoing Subparagraphs of this Paragraph 3 by
    giving thirty (30) days' written notice to Shoreline specifying the date of
    termination.

        (f)          Termination
    by Shoreline. Shoreline shall have the right to terminate this
    Agreement at any time (with or without also terminating the Employment), upon
    the affirmative vote of two-thirds (2/3) of the entire Board, by giving sixty
    (60) days' written notice to Employee specifying the date of termination of
    this Agreement.

        4.          Severance
  Benefits. If this Agreement shall be terminated by Employee for Good
  Reason pursuant to Subparagraph 3(d), or by Shoreline pursuant to notice given
  in accordance with Subparagraph 3(f), Employee shall be entitled to receive
  severance benefits consisting of the following:

        (a)          Severance
    Payments. If such termination occurs within three (3) years after a
    "Change in Control," as defined below, monthly severance payments equal to
    the average of Employee's aggregate monthly cash compensation received from
    Shoreline and the Bank during the five (5) fiscal years of Shoreline immediately
    preceding termination of this Agreement. Such severance payments shall be
    paid for and over thirty-six (36) months.

        (b)          Accrued
    Bonus. Any bonus that was or would have been accrued by Shoreline or
    the Bank, as the case may be, for the benefit of Employee on the date of termination
    of this Agreement pursuant to Shoreline's or the Bank's standard practices
    for computing bonuses.

        (c)          Benefits.
    Continued participation, during the period over which severance payments are
    required pursuant to Subparagraph 4(a), in all benefits provided by Subparagraph
    2(b) in which Employee is participating on the date of termination; provided,
    that if for any reason Employee's participation in any such plan or program
    is barred or otherwise prevented, Shoreline shall provide Employee with benefits
    or payments of substantially the same value.

        (d)          Change
    in Control Defined. For purposes of this Agreement, a
    "Change in Control" shall have occurred if:

        (i)         
      There has been a change in the control of Shoreline of a nature that would
      be required to be reported in response to Item 6(e) of Schedule 14A of Regulation
      14a promulgated under the Securities Exchange Act of 1934, as amended ("Exchange
      Act"), provided that, without limitation, such a change in control shall
      be deemed to have occurred if (A) any "person" (as that term is used
      in Sections 13(d) and 14(d)(2) of the Exchange Act) is or becomes the beneficial
      owner, directly or indirectly, of securities of Shoreline representing 25
      percent or more of the combined voting power of Shoreline's then outstanding
      securities, or (B) during any period of two (2) consecutive years,
      individuals who at the beginning of such period constitute the Board cease
      for any reason to constitute at least a majority thereof (unless the election
      or nomination for election by Shoreline's shareholders of each new director
      was approved by a vote of at least two-thirds (2/3) of the directors then
      still in office who were directors at the beginning of such period);

        (ii)         
      The Board has received any notice or other communication from any individual,
      corporation, partnership, joint venture or other entity expressing a desire
      to propose, negotiate or discuss any tender offer, exchange offer, merger,
      consolidation, sale of shares, sale of assets not in the ordinary course,
      or other business combination involving Shoreline or any of Shoreline's
      sub-

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        (iii)         
      Public announcement by any individual, corporation, partnership, joint venture
      or other entity expressing an intent to seek any Business Combination and
      such announcement or intent has not been withdrawn or terminated.

        Except as expressly provided in this Paragraph,
  upon termination of this Agreement, Employee shall cease to be an employee of
  Shoreline or the Bank for all purposes and shall have no further rights as an
  employee after such termination.

        5.          Parachute
  Payments. Notwithstanding any other provision of this Agreement, if (i) part
  or all of any compensation and benefits to be paid to Employee by or on behalf
  of Shoreline, whether under this Agreement or otherwise, constitute a "parachute
  payment" (or payments) under Section 280G or any other similar provision of
  the Code, and (ii) if the aggregate present value of such parachute payments
  (the "Parachute Amount") exceeds 2.99 times Employee's "base amount" as defined
  in Section 280G of the Code, then the amounts otherwise payable to or for the
  benefit of Employee subsequent to the termination of this Agreement and taken
  into account in calculating the Parachute Amount (the "termination payments"),
  shall be adjusted to the extent necessary to equate the Parachute Amount with
  2.99 times Employee's "base amount." The adjustments permitted under this Paragraph
  5 may include the elimination of payments, the reduction of the amount of any
  payments, and the extension of the date upon which the payments would otherwise
  be due to reduce the present value of such payments. Payment of the amount by
  which any compensation or benefit to Employee is reduced pursuant to this Paragraph
  shall be deferred for one or more fiscal years thereafter and shall be paid
  to Employee in the next following fiscal year or years to the extent that he
  receives no parachute payment subject to an excise tax in any such year.

        6.          No
  Solicitation. Following the termination of the Employment or this Agreement
  for any reason, Employee shall not, individually or on behalf of any corporation,
  partnership, joint venture or other entity, directly or indirectly solicit or
  induce any officer or other employee of Shoreline or any of its affiliates to
  leave his or her employment with Shoreline or such affiliate.

        7.          Successors;
  Binding Agreement.

        (a)          Shoreline
    shall require any successor (whether direct or indirect, by purchase, merger,
    consolidation or otherwise) to all or substantially all of the business, assets
    or both of Shoreline or the Bank, by agreement in form and substance reasonably
    satisfactory to Employee, expressly to assume and agree to perform this Agreement
    in the same manner and to the same extent that Shoreline would be required
    to perform it if no such succession had taken place. Failure of Shoreline
    to obtain such agreement prior to the effectiveness of any succession shall
    be a breach of this Agreement and shall entitle Employee to compensation in
    the same amount and on the same terms as Employee would be entitled hereunder
    if Employee terminated his employment for Good Reason, except that for purposes
    of implementing the foregoing, the date on which any such succession becomes
    effective shall be deemed the date of termination. As used in this Agreement,
    "Shoreline" shall mean Shoreline and any successor to Shoreline's business,
    assets or both which executes and delivers the agreement provided for in this
    Paragraph 7 or which otherwise becomes bound by all of the terms and provisions
    of this Agreement by operation of law.

        (b)          This
    Agreement shall inure to the benefit of and be enforceable by Employee's personal
    or legal representatives, executors, administrators, successors, heirs, distributees,
    devisees and legatees. If Employee should die while any amount would still
    be payable to him under this Agreement if he had continued to live, all such
    amounts, except as otherwise provided in this Agreement, shall be paid in
    accordance with the terms of this Agreement to his devisee, legatee or other
    designee or, if there be no such designee, to his estate.

        8.          Notice.
  All notices and other communications provided for in this Agreement shall be
  in writing and shall be deemed to have been duly given when delivered or mailed
  by United States registered mail, return receipt requested, postage prepaid,
  addressed to Employee at his residence address as reflected in the personnel
  records of Shoreline, or to Shoreline at its principal executive offices to
  the attention of the Chief Executive Officer

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        9.          Entire
  Agreement. No agreements or representations, written or oral, express
  or implied, with respect to the subject matter of this Agreement have been made
  by either party which are not set forth expressly in this Agreement, and this
  Agreement supersedes all prior agreements and understandings between the parties
  with respect to the subject matter hereof.

        10.          Amendment
  and Waiver. No provisions of this Agreement may be amended, modified,
  waived or discharged unless such waiver, modification or discharge is agreed
  to in a writing signed by Employee and such officer as may be specifically designated
  by the Board. No waiver by either party hereto at any time of any breach by
  the other party hereto of any condition or provision of this Agreement to be
  satisfied or performed by such other party shall be deemed a waiver of similar
  or dissimilar conditions or provisions at the time or at any prior or subsequent
  time.

        11.          Severability.
  The invalidity or unenforceability of any provision of this Agreement shall
  not affect the validity or enforceability of any other provision of this Agreement,
  which shall remain in full force and effect.

        12.          Governing
  Law. The validity, interpretation, construction and enforcement of this
  Agreement shall be governed by the laws of the State of Michigan.

IN WITNESS
  WHEREOF, the parties have signed this Agreement as of the date and year first
  above written.

| | SHORELINE FINANCIAL CORPORATION
| | -------------------------------
| | By                             
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| |                                
| |                                
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| |                                



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EMPLOYMENT AGREEMENT

THIS IS AN AGREEMENT dated as of August 16, 1995, by and between SHORELINE FINANCIAL CORPORATION, a Michigan corporation ("Shoreline"), and DAN L. SMITH ("Employee").

Employee is currently serving as Chairman of the Board, President and Chief Executive Officer of Shoreline and Chairman of the Board, President and Chief Executive Officer of
Shoreline Bank, a Michigan banking corporation and wholly owned subsidiary of Shoreline (the "Bank"). Employee has been employed by Shoreline, the Bank, and their predecessors since July 16, 1956. In view of Employee's knowledge, reputation and
substantial experience, the Board of Directors of Shoreline (the "Board") has determined that it is in the best interests of Shoreline and the Bank to obtain the continued services of Employee and the availability of his objective advice and counsel.

ACCORDINGLY, THE PARTIES AGREE AS FOLLOWS:

        1.          Employment. Shoreline agrees to employ Employee, effective as of the date of this Agreement (the "Employment"), to serve as the Chairman of the Board, President and Chief
Executive Officer of Shoreline and the Chairman of the Board, President and Chief Executive Officer of the Bank, or to serve such other subsidiary or subsidiaries of Shoreline as may be mutually agreed by Shoreline and Employee. Employee accepts the
Employment on the terms and conditions set forth in this Agreement. Employee agrees to devote substantially his entire time and attention to the management and operation of Shoreline and the Bank, or such other duties as may be assigned to him by the
Board pursuant to this Agreement. The Board may assign such other duties and responsibilities as are substantially consistent with the services being performed by Employee for Shoreline and the Bank on the date of this Agreement. Notwithstanding the
foregoing, Employee's expenditure of reasonable amounts of time for personal or outside business, charitable and professional activities shall not be deemed to constitute a breach of this Agreement, so long as such activities do not materially interfere
with the services required to be rendered by Employee under this Agreement.

        2.          Compensation.

        (a)          Salary and Bonus or Incentive Compensation. In consideration for his services, Employee shall be paid a salary and such bonus or incentive
compensation as may be determined from time to time by the Board upon the recommendation of its Compensation Committee. In determining Employee's compensation, the Compensation Committee shall consider the prevailing compensation for comparable positions
with peer group banks. During the term of this Agreement, Employee's salary shall not be decreased without his consent except pursuant to a general decrease in the salary of all senior officers of Shoreline. The Board may cause any Shoreline subsidiary to
which Employee is rendering services pursuant to this Agreement to pay all or any part of Employee's salary, bonus, fringe benefits or other compensation under this Agreement in lieu of payment by Shoreline. Such payment by a subsidiary of Shoreline shall
discharge the obligation of Shoreline under this Agreement to the extent of such payment.

        (b)          Benefits. Employee shall enjoy all rights, benefits and privileges to which he may be entitled as an employee of either or both of Shoreline or the Bank, as the case may be,
under any retirement, deferred compensation, pension, profit sharing or other employee benefit plan, or under any policy of health, life, disability, hospitalization or other insurance which may now be in effect or which may hereafter be adopted, on a
basis at least as favorable as is enjoyed by other employees of Shoreline or the Bank during the Employment. Employee shall be provided other fringe benefits on the same basis and at a level commensurate with those generally available to executive
officers of Shoreline and the Bank.

        (c)          Supplemental Retirement Plan. The Company will provide a supplemental retirement benefit to Employee. The benefit will be calculated by first determining the
amount of Employee's benefit payable from qualified defined benefit plans maintained by the Company,

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        3.          Term and Termination. The Employment shall commence as of the date of this Agreement and shall continue until this Agreement is terminated in accordance with
any of the following provisions:

        (a)          Death. If Employee shall die while this Agreement is in effect, this Agreement shall terminate as of the date of his death. Shoreline shall cause Employee's compensation and
benefits pursuant to Paragraph 2 of this Agreement to be paid through the last day of the calendar month in which Employee's death occurs.

        (b)          Disability. If Employee shall be unable to substantially perform his employment duties for a period of nine (9) successive months by reason of any physical or mental
disability resulting from accident or illness, this Agreement may be terminated as of the end of any calendar month following the expiration of such nine- month period: (i) by Shoreline based upon a determination that Employee is disabled and by
notice in writing to that effect to Employee; or (ii) by Employee by his resignation in writing to Shoreline. Any determination as to whether Employee is disabled shall be made by a licensed physician selected by agreement of Shoreline and Employee
or, if they cannot agree upon a physician, then by a majority of a panel of three (3) licensed physicians, consisting of one physician selected by Shoreline, one physician selected by Employee, and the third selected by the first two. All rights of
Employee to compensation under this Agreement shall terminate immediately upon termination of this Agreement pursuant to this Subparagraph 3(b).

        (c)          Termination for Cause. Shoreline shall have the right to terminate the Employment and this Agreement for "Cause". For purposes of this Agreement, "Cause" shall
be limited to (i) the willful and continued failure by Employee to substantially perform such employment duties as are reasonable and appropriate to his positions (other than any failure resulting from a disability described in Subparagraph 3(b)),
after a demand for substantial performance is delivered to Employee on behalf of the Board which specifically identifies the manner in which it is alleged that Employee has not substantially performed his duties, or (ii) the willful engaging by
Employee in misconduct which is materially injurious to Shoreline or the Bank, monetarily or otherwise, including without limitation, misappropriation of property or funds, conviction of a felony or violation of banking statutes or regulations. For
purposes of this Subparagraph, no act or failure to act on Employee's part shall be considered "willful" unless done or omitted to be done by Employee not in good faith and without reasonable belief that his action or omission was in the best interests of
Shoreline and the Bank. Notwithstanding the foregoing, this Agreement shall not be deemed to have been terminated for Cause unless and until there shall have been delivered to Employee written notice of termination on behalf of the Board after reasonable
notice to him, an opportunity for him to be heard before the Board, and a finding that in the reasonable opinion of at least two-thirds (2/3) of the entire Board, Employee was guilty of conduct set forth above in clauses (i) or (ii) above and describing
such conduct in detail.

        (d)          Termination by Employee for Good Reason. Employee shall have the right to terminate this Agreement for "Good Reason" by delivering to
Shoreline written notice of termination within three (3) years after the occurrence of any of the events described in this Subparagraph. For purposes of this Agreement, "Good Reason" shall mean the occurrence of any of the following without Employee's
express written consent:

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        (i)          The assignment to Employee of any position or duties of materially less responsibility and status than Employee's present positions, duties, responsibilities and status with
Shoreline or the Bank, or a materially adverse change in Employee's reporting responsibilities, titles or offices as presently in effect, or any removal of Employee from or any failure to reelect Employee to any of such positions, except in connection
with the termination of this Agreement by reason of Employee's death or disability or for Cause, or by Employee pursuant to Subparagraph 3(e);

        (ii)          The failure by Shoreline to consider Employee for an increase in salary no less frequently than annually, or a material reduction or termination by Shoreline of Employee's salary,
bonus, incentive compensation or any other forms of compensation payable to Employee pursuant to Subparagraph 2(a);

        (iii)          The relocation of Shoreline's principal executive offices to a location outside Berrien County, Michigan, or Shoreline's imposition of any requirement that Employee be based
anywhere other than the principal executive offices of Shoreline or the Bank; or

        (iv)          The failure of Shoreline to fulfill any of its obligations under this Agreement.

        (e)          Voluntary Termination by Employee. Employee shall have the right to voluntarily terminate this Agreement and the Employment for reasons other than those
set forth in the foregoing Subparagraphs of this Paragraph 3 by giving thirty (30) days' written notice to Shoreline specifying the date of termination.

        (f)          Termination by Shoreline. Shoreline shall have the right to terminate this Agreement at any time (with or without also terminating the Employment), upon the
affirmative vote of two-thirds (2/3) of the entire Board, by giving sixty (60) days' written notice to Employee specifying the date of termination of this Agreement, and with Severance Benefits to Employee as provided in Paragraph 4.

        4.          Severance Benefits. If this Agreement shall be terminated by Employee for Good Reason pursuant to Subparagraph 3(d), or by Shoreline other than as permitted in
accordance with Subparagraph 3(b) or (c), Employee shall be entitled to receive severance benefits consisting of the following:

        (a)          Severance Payments. Monthly severance payments equal to the average of Employee's aggregate monthly cash compensation received from Shoreline and the Bank during the
five (5) fiscal years of Shoreline immediately preceding termination of this Agreement. Such severance payments shall be paid for and over the number of months equal to the number of years for which Employee has been employed by Shoreline or the Bank.

        (b)          Accrued Bonus. Any bonus that was or would have been accrued by Shoreline or the Bank, as the case may be, for the benefit of Employee on the date of termination of
this Agreement pursuant to Shoreline's or the Bank's standard practices for computing bonuses.

        (c)          Benefits. Continued participation, during the period over which severance payments are required pursuant to Subparagraph 4(a), in all benefits provided by Subparagraph 2(b)
in which Employee is participating on the date of termination; provided, that if for any reason Employee's participation in any such plan or program is barred or otherwise prevented, Shoreline shall provide Employee with benefits or payments of
substantially the same value.

        (d)          Additional Protection. If it is ever asserted that all or partial payment made to Employee under this Paragraph 4 constitutes a "parachute" payment, within the
meaning of § 280G of the Internal Revenue Code, Shoreline will pay any additional excise or other taxes, interest, penalties, and expense incurred by Employee because of such assertion, or because of any characterization of such payment as a
"parachute payment." It is the intent of this subparagraph to protect the Employee fully against any such assertion or characterization by returning him to the financial position he would have enjoyed had such

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        5.          No Solicitation. Following the termination of the Employment or this Agreement for any reason, Employee shall not, individually or on behalf of any corporation,
partnership, joint venture or other entity, directly or indirectly solicit or induce any officer or other employee of Shoreline or any of its affiliates to leave his or her employment with Shoreline or such affiliate.

        6.          Successors; Binding Agreement.

        (a)          Shoreline shall require any successor (whether direct or indirect, by purchase, merger, consolidation or otherwise) to all or substantially all of the business, assets or both of
Shoreline or the Bank, by agreement in form and substance reasonably satisfactory to Employee, expressly to assume and agree to perform this Agreement in the same manner and to the same extent that Shoreline would be required to perform it if no such
succession had taken place. Failure of Shoreline to obtain such agreement prior to the effectiveness of any succession shall be a breach of this Agreement and shall entitle Employee to compensation in the same amount and on the same terms as Employee
would be entitled hereunder if Employee terminated his employment for Good Reason, except that for purposes of implementing the foregoing, the date on which any such succession becomes effective shall be deemed the date of termination. As used in this
Agreement, "Shoreline" shall mean Shoreline and any successor to Shoreline's business, assets or both which executes and delivers the agreement provided for in this Paragraph 7 or which otherwise becomes bound by all of the terms and provisions of this
Agreement by operation of law.

        (b)          This Agreement shall inure to the benefit of and be enforceable by Employee's personal or legal representatives, executors, administrators, successors, heirs, distributees,
devisees and legatees. If Employee should die while any amount would still be payable to him under this Agreement if he had continued to live, all such amounts, except as otherwise provided in this Agreement, shall be paid in accordance with the terms of
this Agreement to his devisee, legatee or other designee or, if there be no such designee, to his estate.

        8.          Notice. All notices and other communications provided for in this Agreement shall be in writing and shall be deemed to have been duly given when delivered or mailed by United
States registered mail, return receipt requested, postage prepaid, addressed to Employee at his residence address as reflected in the personnel records of Shoreline, or to Shoreline at its principal executive offices to the attention of the Board of
Directors of Shoreline with a copy to the Secretary of Shoreline, or to such other address as either party may have furnished to the other in writing in accordance herewith, except that notice of change of address shall be effective only upon receipt.

        9.          Entire Agreement. No agreements or representations, written or oral, express or implied, with respect to the subject matter of this Agreement have been made by either
party which are not set forth expressly in this Agreement, and this Agreement supersedes all prior agreements and understandings between the parties with respect to the subject matter hereof.

        10.          Amendment and Waiver. No provisions of this Agreement may be amended, modified, waived or discharged unless such waiver, modification or discharge is agreed to
in a writing signed by Employee and such officer as may be specifically designated by the Board. No waiver by either party hereto at any time of any breach by the other party hereto of any condition or provision of this Agreement to be satisfied or
performed by such other party shall be deemed a waiver of similar or dissimilar conditions or provisions at the time or at any prior or subsequent time.

        11. Severability. The invalidity or unenforceability of any provision of this Agreement shall not affect the validity or enforceability of any other provision of this Agreement, which shall remain in full force
and effect.

        12.          Governing Law. The validity, interpretation, construction and enforcement of this Agreement shall be governed by the laws of the State of Michigan.

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IN WITNESS WHEREOF, the parties have signed this Agreement as of the date and year first above written.

| | SHORELINE FINANCIAL CORPORATION
| | -------------------------------
| |                                
| |                                
| |                                
| |                                
| |                                
| | By                             
| |                                
| |                                

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EMPLOYMENT AGREEMENT

THIS IS AN AGREEMENT dated as of June 16, 1999, by and between SHORELINE FINANCIAL CORPORATION, a Michigan corporation ("Shoreline"), and JAMES R. MILROY ("Employee").

Employee is currently serving as President and Secretary of Shoreline and President and Cashier of Shoreline Bank (the "Bank"), a Michigan banking corporation and wholly owned
subsidiary of Shoreline. In view of Employee's knowledge, reputation and substantial experience, the Board of Directors of Shoreline (the "Board") has determined that it is in the best interests of Shoreline and the Bank to obtain the continued services
of Employee and the availability of his objective advice and counsel.

ACCORDINGLY, THE PARTIES AGREE AS FOLLOWS:

        1.          Employment. Shoreline agrees to employ Employee, effective as of the date of this Agreement (the "Employment"), to serve as the President and Secretary of Shoreline and the
President and Cashier of the Bank, or to serve such other subsidiary or subsidiaries of Shoreline as may be mutually agreed by Shoreline and Employee. Employee accepts the Employment on the terms and conditions set forth in this Agreement. Employee agrees
to devote substantially his entire time and attention to the management and operation of Shoreline and the Bank, or such other duties as may be assigned to him by the Board pursuant to this Agreement. The Board may assign such other duties and
responsibilities as are substantially consistent with the services being performed by Employee for Shoreline and the Bank on the date of this Agreement. Notwithstanding the foregoing, Employee's expenditure of reasonable amounts of time for personal or
outside business, charitable and professional activities shall not be deemed to constitute a breach of this Agreement, so long as such activities do not materially interfere with the services required to be rendered by Employee under this Agreement.

        2.          Compensation.

        (a)          Salary and Bonus or Incentive Compensation. In consideration for his services, Employee shall be paid a salary and such bonus or incentive
compensation as may be determined from time to time by the Board upon the recommendation of its Compensation Committee. In determining Employee's compensation, the Compensation Committee shall consider the prevailing compensation for comparable positions
with peer group banks. During the term of this Agreement, Employee's salary shall not be decreased without his consent except pursuant to a general decrease in the salary of all senior officers of Shoreline. The Board may cause any Shoreline subsidiary to
which Employee is rendering services pursuant to this Agreement to pay all or any part of Employee's salary, bonus, fringe benefits or other compensation under this Agreement in lieu of payment by Shoreline. Such payment by a subsidiary of Shoreline shall
discharge the obligation of Shoreline under this Agreement to the extent of such payment.

        (b)          Benefits. Employee shall enjoy all rights, benefits and privileges to which he may be entitled as an employee of either or both of Shoreline or the Bank, as the case may be,
under any retirement, deferred compensation, pension, profit sharing or other employee benefit plan, or under any policy of health, life, disability, hospitalization or other insurance which may now be in effect or which may hereafter be adopted, on a
basis at least as favorable as is enjoyed by other employees of Shoreline or the Bank during the Employment. Employee shall be provided other fringe benefits on the same basis and at a level commensurate with those generally available to executive
officers of Shoreline and the Bank.

        3.          Term and Termination. The Employment shall commence as of the date of this Agreement and shall continue until this Agreement is terminated in accordance with
any of the following provisions:

        (a)          Death. If Employee shall die while this Agreement is in effect, this Agreement shall terminate as of the date of his death. Shoreline shall cause Employee's compensation and
benefits pursuant

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        (b)          Disability. If Employee shall be unable to substantially perform his employment duties for a period of nine (9) successive months by reason of any physical or mental
disability resulting from accident or illness, this Agreement may be terminated as of the end of any calendar month following the expiration of such nine- month period: (i) by Shoreline based upon a determination that Employee is disabled and by
notice in writing to that effect to Employee; or (ii) by Employee by his resignation in writing to Shoreline. Any determination as to whether Employee is disabled shall be made by a licensed physician selected by agreement of Shoreline and Employee
or, if they cannot agree upon a physician, then by a majority of a panel of three (3) licensed physicians, consisting of one physician selected by Shoreline, one physician selected by Employee, and the third selected by the first two. All rights of
Employee to compensation under this Agreement shall terminate immediately upon termination of this Agreement pursuant to this Subparagraph 3(b).

        (c)          Termination for Cause. Shoreline shall have the right to terminate the Employment and this Agreement for "Cause". For purposes of this Agreement, "Cause" shall
be limited to (i) the willful and continued failure by Employee to substantially perform such employment duties as are reasonable and appropriate to his positions (other than any failure resulting from a disability described in Subparagraph 3(b)),
after a demand for substantial performance is delivered to Employee on behalf of the Board which specifically identifies the manner in which it is alleged that Employee has not substantially performed his duties, or (ii) the willful engaging by
Employee in misconduct which is materially injurious to Shoreline or the Bank, monetarily or otherwise, including without limitation, misappropriation of property or funds, conviction of a felony or violation of banking statutes or regulations. For
purposes of this Subparagraph, no act or failure to act on Employee's part shall be considered "willful" unless done or omitted to be done by Employee not in good faith and without reasonable belief that his action or omission was in the best interests of
Shoreline and the Bank. Notwithstanding the foregoing, this Agreement shall not be deemed to have been terminated for Cause unless and until there shall have been delivered to Employee written notice of termination on behalf of the Board after reasonable
notice to him, an opportunity for him to be heard before the Board, and a finding that in the reasonable opinion of at least two-thirds (2/3) of the entire Board, Employee was guilty of conduct set forth above in clauses (i) or (ii) above and describing
such conduct in detail.

        (d)          Termination by Employee for Good Reason. Employee shall have the right to terminate this Agreement for "Good Reason" by delivering to
Shoreline written notice of termination within three (3) years after the occurrence of any of the events described in this Subparagraph. For purposes of this Agreement, "Good Reason" shall mean the occurrence of any of the following without Employee's
express written consent:

        (i)          The assignment to Employee of any position or duties of materially less responsibility and status than Employee's present positions, duties, responsibilities and status with
Shoreline or the Bank, or a materially adverse change in Employee's reporting responsibilities, titles or offices as presently in effect, or any removal of Employee from or any failure to reelect Employee to any of such positions, except in connection
with the termination of this Agreement by reason of Employee's death or disability or for Cause, or by Employee pursuant to Subparagraph 3(e);

        (ii)          The failure by Shoreline to consider Employee for an increase in salary no less frequently than annually, or a material reduction or termination by Shoreline of Employee's salary,
bonus, incentive compensation or any other forms of compensation payable to Employee pursuant to Subparagraph 2(a);

        (iii)          The relocation of Shoreline's principal executive offices to a location outside Berrien County, Michigan, or Shoreline's imposition of any requirement that Employee be based
anywhere other than in Berrien County, Michigan; or

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        (iv)          The failure of Shoreline to fulfill any of its obligations under this Agreement.

        (e)          Voluntary Termination by Employee. Employee shall have the right to voluntarily terminate this Agreement and the Employment for reasons other than those
set forth in the foregoing Subparagraphs of this Paragraph 3 by giving thirty (30) days' written notice to Shoreline specifying the date of termination.

        (f)          Termination by Shoreline. Shoreline shall have the right to terminate this Agreement at any time (with or without also terminating the Employment), upon the
affirmative vote of two-thirds (2/3) of the entire Board, by giving sixty (60) days' written notice to Employee specifying the date of termination of this Agreement.

        4.          Severance Benefits. If this Agreement shall be terminated by Employee for Good Reason pursuant to Subparagraph 3(d), or by Shoreline pursuant to notice given in
accordance with Subparagraph 3(f), Employee shall be entitled to receive severance benefits consisting of the following:

        (a)          Severance Payments. If such termination occurs within three (3) years after a "Change in Control," as defined below, monthly severance payments equal to the average
of Employee's aggregate monthly cash compensation received from Shoreline and the Bank during the five (5) fiscal years of Shoreline immediately preceding termination of this Agreement. Such severance payments shall be paid for and over thirty-six (36)
months.

        (b)          Accrued Bonus. Any bonus that was or would have been accrued by Shoreline or the Bank, as the case may be, for the benefit of Employee on the date of termination of
this Agreement pursuant to Shoreline's or the Bank's standard practices for computing bonuses.

        (c)          Benefits. Continued participation, during the period over which severance payments are required pursuant to Subparagraph 4(a), in all benefits provided by Subparagraph 2(b)
in which Employee is participating on the date of termination; provided, that if for any reason Employee's participation in any such plan or program is barred or otherwise prevented, Shoreline shall provide Employee with benefits or payments of
substantially the same value.

        (d)          Change in Control Defined. For purposes of this Agreement, a "Change in Control" shall have occurred if:

        (i)          There has been a change in the control of Shoreline of a nature that would be required to be reported in response to Item 6(e) of Schedule 14A of Regulation 14a promulgated under
the Securities Exchange Act of 1934, as amended ("Exchange Act"), provided that, without limitation, such a change in control shall be deemed to have occurred if (A) any "person" (as that term is used in Sections 13(d) and 14(d)(2) of the Exchange
Act) is or becomes the beneficial owner, directly or indirectly, of securities of Shoreline representing 25 percent or more of the combined voting power of Shoreline's then outstanding securities, or (B) during any period of two (2) consecutive
years, individuals who at the beginning of such period constitute the Board cease for any reason to constitute at least a majority thereof (unless the election or nomination for election by Shoreline's shareholders of each new director was approved by a
vote of at least two-thirds (2/3) of the directors then still in office who were directors at the beginning of such period);

        (ii)          The Board has received any notice or other communication from any individual, corporation, partnership, joint venture or other entity expressing a desire to propose, negotiate or
discuss any tender offer, exchange offer, merger, consolidation, sale of shares, sale of assets not in the ordinary course, or other business combination involving Shoreline or any of Shoreline's subsidiaries ("Business Combination") and such notice,
communication, or proposal has not been withdrawn or terminated; or

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(iii)          Public announcement by any individual, corporation, partnership, joint venture or other entity expressing an intent to seek any Business Combination and such announcement or intent has not been withdrawn or
terminated.

        Except as expressly provided in this Paragraph, upon termination of this Agreement, Employee shall cease to be an employee of Shoreline or the Bank for all purposes and shall have no further rights as an employee after
such termination.

        5.          Parachute Payments. Notwithstanding any other provision of this Agreement, if (i) part or all of any compensation and benefits to be paid to Employee by or on
behalf of Shoreline, whether under this Agreement or otherwise, constitute a "parachute payment" (or payments) under Section 280G or any other similar provision of the Code, and (ii) if the aggregate present value of such parachute payments (the
"Parachute Amount") exceeds 2.99 times Employee's "base amount" as defined in Section 280G of the Code, then the amounts otherwise payable to or for the benefit of Employee subsequent to the termination of this Agreement and taken into account in
calculating the Parachute Amount (the "termination payments"), shall be adjusted to the extent necessary to equate the Parachute Amount with 2.99 times Employee's "base amount." The adjustments permitted under this Paragraph 5 may include the elimination
of payments, the reduction of the amount of any payments, and the extension of the date upon which the payments would otherwise be due to reduce the present value of such payments. Payment of the amount by which any compensation or benefit to Employee is
reduced pursuant to this Paragraph shall be deferred for one or more fiscal years thereafter and shall be paid to Employee in the next following fiscal year or years to the extent that he receives no parachute payment subject to an excise tax in any such
year.

        6.          No Solicitation. Following the termination of the Employment or this Agreement for any reason, Employee shall not, individually or on behalf of any corporation,
partnership, joint venture or other entity, directly or indirectly solicit or induce any officer or other employee of Shoreline or any of its affiliates to leave his or her employment with Shoreline or such affiliate.

        7.          Successors; Binding Agreement.

        (a)          Shoreline shall require any successor (whether direct or indirect, by purchase, merger, consolidation or otherwise) to all or substantially all of the business, assets or both of
Shoreline or the Bank, by agreement in form and substance reasonably satisfactory to Employee, expressly to assume and agree to perform this Agreement in the same manner and to the same extent that Shoreline would be required to perform it if no such
succession had taken place. Failure of Shoreline to obtain such agreement prior to the effectiveness of any succession shall be a breach of this Agreement and shall entitle Employee to compensation in the same amount and on the same terms as Employee
would be entitled hereunder if Employee terminated his employment for Good Reason, except that for purposes of implementing the foregoing, the date on which any such succession becomes effective shall be deemed the date of termination. As used in this
Agreement, "Shoreline" shall mean Shoreline and any successor to Shoreline's business, assets or both which executes and delivers the agreement provided for in this Paragraph 7 or which otherwise becomes bound by all of the terms and provisions of this
Agreement by operation of law.

        (b)          This Agreement shall inure to the benefit of and be enforceable by Employee's personal or legal representatives, executors, administrators, successors, heirs, distributees,
devisees and legatees. If Employee should die while any amount would still be payable to him under this Agreement if he had continued to live, all such amounts, except as otherwise provided in this Agreement, shall be paid in accordance with the terms of
this Agreement to his devisee, legatee or other designee or, if there be no such designee, to his estate.

        8.          Notice. All notices and other communications provided for in this Agreement shall be in writing and shall be deemed to have been duly given when delivered or mailed by United
States registered mail, return receipt requested, postage prepaid, addressed to Employee at his residence address as reflected in the personnel records of Shoreline, or to Shoreline at its principal executive offices to the attention of the Chief
Executive Officer of Shoreline with a copy to the Secretary of Shoreline, or to such other address as either party may have furnished to the other in writing in accordance herewith, except that notice of change of address shall be effective only upon
receipt.

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        9.          Entire Agreement. No agreements or representations, written or oral, express or implied, with respect to the subject matter of this Agreement have been made by either
party which are not set forth expressly in this Agreement, and this Agreement supersedes all prior agreements and understandings between the parties with respect to the subject matter hereof.

        10.          Amendment and Waiver. No provisions of this Agreement may be amended, modified, waived or discharged unless such waiver, modification or discharge is agreed to
in a writing signed by Employee and such officer as may be specifically designated by the Board. No waiver by either party hereto at any time of any breach by the other party hereto of any condition or provision of this Agreement to be satisfied or
performed by such other party shall be deemed a waiver of similar or dissimilar conditions or provisions at the time or at any prior or subsequent time.

        11. Severability. The invalidity or unenforceability of any provision of this Agreement shall not affect the validity or enforceability of any other provision of this Agreement, which shall remain in full force
and effect.

        12.          Governing Law. The validity, interpretation, construction and enforcement of this Agreement shall be governed by the laws of the State of Michigan.

IN WITNESS WHEREOF, the parties have signed this Agreement as of the date and year first above written.

| | SHORELINE FINANCIAL CORPORATION
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EMPLOYMENT AGREEMENT

THIS IS AN AGREEMENT dated as of June 16, 1999, by and between SHORELINE FINANCIAL CORPORATION, a Michigan corporation ("Shoreline"), and RICHARD D. BAILEY, II ("Employee").

Employee is currently serving as Senior Executive Vice President of Shoreline Bank (the "Bank"), a Michigan banking corporation and wholly owned subsidiary of Shoreline. In view of
Employee's knowledge, reputation and substantial experience, the Board of Directors of Shoreline (the "Board") has determined that it is in the best interests of Shoreline and the Bank to obtain the continued services of Employee and the availability of
his objective advice and counsel.

ACCORDINGLY, THE PARTIES AGREE AS FOLLOWS:

        1.          Employment. Shoreline agrees to employ Employee, effective as of the date of this Agreement (the "Employment"), to serve as the Senior Executive Vice President of the Bank,
or to serve such other subsidiary or subsidiaries of Shoreline as may be mutually agreed by Shoreline and Employee. Employee accepts the Employment on the terms and conditions set forth in this Agreement. Employee agrees to devote substantially his entire
time and attention to the management and operation of Shoreline and the Bank, or such other duties as may be assigned to him by the Board pursuant to this Agreement. The Board may assign such other duties and responsibilities as are substantially
consistent with the services being performed by Employee for Shoreline and the Bank on the date of this Agreement. Notwithstanding the foregoing, Employee's expenditure of reasonable amounts of time for personal or outside business, charitable and
professional activities shall not be deemed to constitute a breach of this Agreement, so long as such activities do not materially interfere with the services required to be rendered by Employee under this Agreement.

        2.          Compensation.

        (a)          Salary and Bonus or Incentive Compensation. In consideration for his services, Employee shall be paid a salary and such bonus or incentive
compensation as may be determined from time to time by the Board upon the recommendation of its Compensation Committee. In determining Employee's compensation, the Compensation Committee shall consider the prevailing compensation for comparable positions
with peer group banks. During the term of this Agreement, Employee's salary shall not be decreased without his consent except pursuant to a general decrease in the salary of all senior officers of Shoreline. The Board may cause any Shoreline subsidiary to
which Employee is rendering services pursuant to this Agreement to pay all or any part of Employee's salary, bonus, fringe benefits or other compensation under this Agreement in lieu of payment by Shoreline. Such payment by a subsidiary of Shoreline shall
discharge the obligation of Shoreline under this Agreement to the extent of such payment.

        (b)          Benefits. Employee shall enjoy all rights, benefits and privileges to which he may be entitled as an employee of either or both of Shoreline or the Bank, as the case may be,
under any retirement, deferred compensation, pension, profit sharing or other employee benefit plan, or under any policy of health, life, disability, hospitalization or other insurance which may now be in effect or which may hereafter be adopted, on a
basis at least as favorable as is enjoyed by other employees of Shoreline or the Bank during the Employment. Employee shall be provided other fringe benefits on the same basis and at a level commensurate with those generally available to executive
officers of Shoreline and the Bank.

        3.          Term and Termination. The Employment shall commence as of the date of this Agreement and shall continue until this Agreement is terminated in accordance with
any of the following provisions:

        (a)          Death. If Employee shall die while this Agreement is in effect, this Agreement shall terminate as of the date of his death. Shoreline shall cause Employee's compensation and
benefits pursuant

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        (b)          Disability.
    If Employee shall be unable to substantially perform his employment duties
    for a period of nine (9) successive months by reason of any physical or mental
    disability resulting from accident or illness, this Agreement may be terminated
    as of the end of any calendar month following the expiration of such nine-
    month period: (i) by Shoreline based upon a determination that Employee
    is disabled and by notice in writing to that effect to Employee; or (ii) by
    Employee by his resignation in writing to Shoreline. Any determination as
    to whether Employee is disabled shall be made by a licensed physician selected
    by agreement of Shoreline and Employee or, if they cannot agree upon a physician,
    then by a majority of a panel of three (3) licensed physicians, consisting
    of one physician selected by Shoreline, one physician selected by Employee,
    and the third selected by the first two. All rights of Employee to compensation
    under this Agreement shall terminate immediately upon termination of this
    Agreement pursuant to this Subparagraph 3(b).

        (c)          Termination
    for Cause. Shoreline shall have the right to terminate the Employment
    and this Agreement for "Cause". For purposes of this Agreement, "Cause" shall
    be limited to (i) the willful and continued failure by Employee to substantially
    perform such employment duties as are reasonable and appropriate to his positions
    (other than any failure resulting from a disability described in Subparagraph
    3(b)), after a demand for substantial performance is delivered to Employee
    on behalf of the Board which specifically identifies the manner in which it
    is alleged that Employee has not substantially performed his duties, or (ii) the
    willful engaging by Employee in misconduct which is materially injurious to
    Shoreline or the Bank, monetarily or otherwise, including without limitation,
    misappropriation of property or funds, conviction of a felony or violation
    of banking statutes or regulations. For purposes of this Subparagraph, no
    act or failure to act on Employee's part shall be considered "willful" unless
    done or omitted to be done by Employee not in good faith and without reasonable
    belief that his action or omission was in the best interests of Shoreline
    and the Bank. Notwithstanding the foregoing, this Agreement shall not be deemed
    to have been terminated for Cause unless and until there shall have been delivered
    to Employee written notice of termination on behalf of the Board after reasonable
    notice to him, an opportunity for him to be heard before the Board, and a
    finding that in the reasonable opinion of at least two-thirds (2/3) of the
    entire Board, Employee was guilty of conduct set forth above in clauses (i)
    or (ii) above and describing such conduct in detail.

        (d)          Termination
    by Employee for Good Reason. Employee shall
    have the right to terminate this Agreement for "Good Reason" by delivering
    to Shoreline written notice of termination within three (3) years after the
    occurrence of any of the events described in this Subparagraph. For purposes
    of this Agreement, "Good Reason" shall mean the occurrence of any of the following
    without Employee's express written consent:

        (i)         
      The assignment to Employee of any position or duties of materially less
      responsibility and status than Employee's present positions, duties, responsibilities
      and status with Shoreline or the Bank, or a materially adverse change in
      Employee's reporting responsibilities, titles or offices as presently in
      effect, or any removal of Employee from or any failure to reelect Employee
      to any of such positions, except in connection with the termination of this
      Agreement by reason of Employee's death or disability or for Cause, or by
      Employee pursuant to Subparagraph 3(e);

        (ii)         
      The failure by Shoreline to consider Employee for an increase in salary
      no less frequently than annually, or a material reduction or termination
      by Shoreline of Employee's salary, bonus, incentive compensation or any
      other forms of compensation payable to Employee pursuant to Subparagraph
      2(a);

        (iii)         
      The relocation of Shoreline's principal executive offices to a location
      outside Berrien County, Michigan, or Shoreline's imposition of any requirement
      that Employee be based anywhere other than in Berrien County, Michigan;
      or

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        (iv)         
      The failure of Shoreline to fulfill any of its obligations under this Agreement.

        (e)          Voluntary
    Termination by Employee. Employee shall have the right
    to voluntarily terminate this Agreement and the Employment for reasons other
    than those set forth in the foregoing Subparagraphs of this Paragraph 3 by
    giving thirty (30) days' written notice to Shoreline specifying the date of
    termination.

        (f)          Termination
    by Shoreline. Shoreline shall have the right to terminate this
    Agreement at any time (with or without also terminating the Employment), upon
    the affirmative vote of two-thirds (2/3) of the entire Board, by giving sixty
    (60) days' written notice to Employee specifying the date of termination of
    this Agreement.

        4.          Severance Benefits. If this Agreement shall be terminated by Employee for Good Reason pursuant to Subparagraph 3(d), or by Shoreline pursuant to notice given in
accordance with Subparagraph 3(f), Employee shall be entitled to receive severance benefits consisting of the following:

        (a)          Severance Payments. If such termination occurs within three (3) years after a "Change in Control," as defined below, monthly severance payments equal to the average
of Employee's aggregate monthly cash compensation received from Shoreline and the Bank during the five (5) fiscal years of Shoreline immediately preceding termination of this Agreement. Such severance payments shall be paid for and over thirty-six (36)
months.

        (b)          Accrued Bonus. Any bonus that was or would have been accrued by Shoreline or the Bank, as the case may be, for the benefit of Employee on the date of termination of
this Agreement pursuant to Shoreline's or the Bank's standard practices for computing bonuses.

        (c)          Benefits. Continued participation, during the period over which severance payments are required pursuant to Subparagraph 4(a), in all benefits provided by Subparagraph 2(b)
in which Employee is participating on the date of termination; provided, that if for any reason Employee's participation in any such plan or program is barred or otherwise prevented, Shoreline shall provide Employee with benefits or payments of
substantially the same value.

        (d)          Change in Control Defined. For purposes of this Agreement, a "Change in Control" shall have occurred if:

        (i)          There has been a change in the control of Shoreline of a nature that would be required to be reported in response to Item 6(e) of Schedule 14A of Regulation 14a promulgated under
the Securities Exchange Act of 1934, as amended ("Exchange Act"), provided that, without limitation, such a change in control shall be deemed to have occurred if (A) any "person" (as that term is used in Sections 13(d) and 14(d)(2) of the Exchange
Act) is or becomes the beneficial owner, directly or indirectly, of securities of Shoreline representing 25 percent or more of the combined voting power of Shoreline's then outstanding securities, or (B) during any period of two (2) consecutive
years, individuals who at the beginning of such period constitute the Board cease for any reason to constitute at least a majority thereof (unless the election or nomination for election by Shoreline's shareholders of each new director was approved by a
vote of at least two-thirds (2/3) of the directors then still in office who were directors at the beginning of such period);

        (ii)          The Board has received any notice or other communication from any individual, corporation, partnership, joint venture or other entity expressing a desire to propose, negotiate or
discuss any tender offer, exchange offer, merger, consolidation, sale of shares, sale of assets not in the ordinary course, or other business combination involving Shoreline or any of Shoreline's subsidiaries ("Business Combination") and such notice,
communication, or proposal has not been withdrawn or terminated; or

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        (iii)          Public announcement by any individual, corporation, partnership, joint venture or other entity expressing an intent to seek any Business Combination and such announcement or
intent has not been withdrawn or terminated.

        Except as expressly provided in this Paragraph, upon termination of this Agreement, Employee shall cease to be an employee of Shoreline or the Bank for all purposes and shall have no further rights as an employee after
such termination.

        5.          Parachute Payments. Notwithstanding any other provision of this Agreement, if (i) part or all of any compensation and benefits to be paid to Employee by or on
behalf of Shoreline, whether under this Agreement or otherwise, constitute a "parachute payment" (or payments) under Section 280G or any other similar provision of the Code, and (ii) if the aggregate present value of such parachute payments (the
"Parachute Amount") exceeds 2.99 times Employee's "base amount" as defined in Section 280G of the Code, then the amounts otherwise payable to or for the benefit of Employee subsequent to the termination of this Agreement and taken into account in
calculating the Parachute Amount (the "termination payments"), shall be adjusted to the extent necessary to equate the Parachute Amount with 2.99 times Employee's "base amount." The adjustments permitted under this Paragraph 5 may include the elimination
of payments, the reduction of the amount of any payments, and the extension of the date upon which the payments would otherwise be due to reduce the present value of such payments. Payment of the amount by which any compensation or benefit to Employee is
reduced pursuant to this Paragraph shall be deferred for one or more fiscal years thereafter and shall be paid to Employee in the next following fiscal year or years to the extent that he receives no parachute payment subject to an excise tax in any such
year.

        6.          No Solicitation. Following the termination of the Employment or this Agreement for any reason, Employee shall not, individually or on behalf of any corporation,
partnership, joint venture or other entity, directly or indirectly solicit or induce any officer or other employee of Shoreline or any of its affiliates to leave his or her employment with Shoreline or such affiliate.

        7.          Successors; Binding Agreement.

        (a)          Shoreline shall require any successor (whether direct or indirect, by purchase, merger, consolidation or otherwise) to all or substantially all of the business, assets or both of
Shoreline or the Bank, by agreement in form and substance reasonably satisfactory to Employee, expressly to assume and agree to perform this Agreement in the same manner and to the same extent that Shoreline would be required to perform it if no such
succession had taken place. Failure of Shoreline to obtain such agreement prior to the effectiveness of any succession shall be a breach of this Agreement and shall entitle Employee to compensation in the same amount and on the same terms as Employee
would be entitled hereunder if Employee terminated his employment for Good Reason, except that for purposes of implementing the foregoing, the date on which any such succession becomes effective shall be deemed the date of termination. As used in this
Agreement, "Shoreline" shall mean Shoreline and any successor to Shoreline's business, assets or both which executes and delivers the agreement provided for in this Paragraph 7 or which otherwise becomes bound by all of the terms and provisions of this
Agreement by operation of law.

        (b)          This Agreement shall inure to the benefit of and be enforceable by Employee's personal or legal representatives, executors, administrators, successors, heirs, distributees,
devisees and legatees. If Employee should die while any amount would still be payable to him under this Agreement if he had continued to live, all such amounts, except as otherwise provided in this Agreement, shall be paid in accordance with the terms of
this Agreement to his devisee, legatee or other designee or, if there be no such designee, to his estate.

        8.          Notice. All notices and other communications provided for in this Agreement shall be in writing and shall be deemed to have been duly given when delivered or mailed by United
States registered mail, return receipt requested, postage prepaid, addressed to Employee at his residence address as reflected in the personnel records of Shoreline, or to Shoreline at its principal executive offices to the attention of the Chief
Executive Officer of Shoreline with a copy to the Secretary of Shoreline, or to such other address as either party may have furnished to the other in writing in accordance herewith, except that notice of change of address shall be effective only upon
receipt.

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        9.          Entire Agreement. No agreements or representations, written or oral, express or implied, with respect to the subject matter of this Agreement have been made by either
party which are not set forth expressly in this Agreement, and this Agreement supersedes all prior agreements and understandings between the parties with respect to the subject matter hereof.

        10.          Amendment and Waiver. No provisions of this Agreement may be amended, modified, waived or discharged unless such waiver, modification or discharge is agreed to
in a writing signed by Employee and such officer as may be specifically designated by the Board. No waiver by either party hereto at any time of any breach by the other party hereto of any condition or provision of this Agreement to be satisfied or
performed by such other party shall be deemed a waiver of similar or dissimilar conditions or provisions at the time or at any prior or subsequent time.

        11. Severability. The invalidity or unenforceability of any provision of this Agreement shall not affect the validity or enforceability of any other provision of this Agreement, which shall remain in full force
and effect.

        12.          Governing Law. The validity, interpretation, construction and enforcement of this Agreement shall be governed by the laws of the State of Michigan.

IN WITNESS WHEREOF, the parties have signed this Agreement as of the date and year first above written.

| | SHORELINE FINANCIAL CORPORATION
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