Exhibit 10.2


     This AGREEMENT is made effective as of April 29, 1998 by and among Harris
Savings Bank (the "Savings Bank") a Pennsylvania chartered savings bank, with
its principal administrative office at Second and Pine Streets, Harrisburg,
Pennsylvania, Harris Financial, MHC (the "Holding Company"), a corporation
organized under the laws of the Commonwealth of Pennsylvania which is the
holding company for the Savings Bank, and John Atkinson (the "Executive").

     WHEREAS, the Savings Bank recognizes the substantial contribution Executive
has made to the Savings Bank and wishes to protect Executive's position
therewith for the period provided in this Agreement; and

     WHEREAS, Executive has been selected to, and has agreed to serve in the
position of EVP, Chief Operations Officer for the Savings Bank, a position of
substantial responsibility.

     NOW, THEREFORE, in consideration of the contribution and responsibilities
of Executive, and upon the other terms and conditions hereinafter provided, the
parties hereto agree as follows:

1. TERM OF AGREEMENT.

     The term of this agreement shall be deemed to have commenced as of the date
first above written and shall continue for a period of thirty-six (36) full
calendar months thereafter. The Agreement will be up for consideration for
renewal each March 31st, after the Board of Directors completes a formal
performance evaluation of the Executive. The purpose of this evaluation will be
to determine whether or not to extend the Agreement. The results of this
evaluation will be included in the Minutes of the next Board Meeting. The
Agreement will renew for an additional year so that the remaining term shall be
three (3) years unless written notice is provided to the Executive at least ten
(10) days, but not more than twenty (20) days prior to the anniversary date,
that this Agreement shall cease at the end of the thirty-six (36) months
following such anniversary date.

2. PAYMENTS TO THE EXECUTIVE UPON CHANGE IN CONTROL.

     (a) Upon the occurrence of a Change in Control of the Savings Bank or the
Holding Company (as herein defined) followed at any time during the term of this
Agreement by the voluntary (for any of the bases set below) or involuntary
termination of Executive's employment, other than for Cause, as defined in
Section 2(c) hereof, the provisions of Section 3 shall apply. Upon the
occurrence of a Change in Control, Executive shall have the right to elect to
voluntarily terminate his employment at any time during the term of this
Agreement following any demotion, loss of title, office or significant
authority, reduction in his annual compensation, relocation of his principal
place of employment by more than 30 miles from its location immediately prior to
the Change in Control or the failure to continue in effect any vacation
benefits, pension plan, dental plan, life insurance plan, health, accident or
disability plan in which Executive is participating immediately prior to Change
in Control.

"Change in Control" of the Bank or the Holding Company shall mean (i) a plan of
reorganization, merger, merger conversion, consolidation or sale of all or
substantially all of the assets of the Bank or the Holding Company or a similar
transaction occurs in which the Bank or the Holding Company is not the resulting
entity; (ii) individuals who constitute the board of directors of the Bank or
the board of trustees of the Holding Company on the date hereof cease for any
reason to constitute a majority thereof; or (iii) a change in control within the
meaning of 12 C.F.R. ss.303.4(a) or 12 C.F.R. ss.225.41(b) occurs, as
determined by the board of directors of the Bank or the board of trustees of the
Holding Company. In the event the Holding Company converts from the mutual form

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of organization to the stock form of organization at any time subsequent to the
effective date of this Agreement ("Stock Holding Company"), a "change in
control" of the Bank or the Stock Holding Company for purposes of this Agreement
shall mean an event of a nature that: (I) would be required to be reported in
response to Item 1 of the current report on Form 8-K, as in effect on the date
hereof, pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
(the "Exchange Act"); or (II) results in a Change in Control of the Savings Bank
or the Stock Holding Company within the meaning of the Change in Bank Control
Act and the Rules and Regulations promulgated by the Federal Deposit Insurance
Corporation ("FDIC") at 12 C.F.R. ss.303.4(a) with respect to the Savings Bank
and the Board of Governors of the Federal Reserve System ("FRB") at 12 C.F.R.
ss.225.41(b) with respect to the Stock Holding Company, as in effect on the
date hereof; (III) results in a transaction requiring prior FRB approval under
the Bank Holding Company Act of 1956 and the regulations promulgated thereunder
by the FRB at C.F.R. 225.11, as in effect on the date hereof; or (IV) without
limitation such a Change in Control shall be deemed to have occurred at such
time as (a) any "person" (as the term is used in Sections 13(d) and 14(d) of the
Exchange Act) is or becomes the "beneficial owner" (as defined in Rule 13d-3
under the Exchange Act), directly or indirectly, of Securities of the Bank or
the Stock Holding Company representing 20% or more of the Bank's or the Stock
Company's outstanding securities except for any securities of the Bank purchased
by the Stock Company in connection with the conversion of the Company to the
stock form and any securities purchased by the Bank's employee stock ownership
plan and trust; or (b) individuals who constitute the Board on the date hereof
(the "Incumbent Board") cease for any reason to constitute at least a majority
thereof, provided that any person becoming a director subsequent to the date
hereof whose election was approved by a vote of at least three-quarters of the
directors comprising the Incumbent Board, or whose nomination for election by
the Stock Company's stockholders was approved by the same Nominating Committee
serving under an Incumbent Board, shall be, for purposes of this clause (b),
considered as though he were a member of the Incumbent Board; or (c) a plan of
reorganization, merger, consolidation, sale of all or substantially all the
assets of the Bank or Stock Company or similar transaction occurs in which the
Bank or Stock Company is not the resulting entity; or (d) a proxy statement
shall be distributed soliciting proxies from stockholders of the Stock Company,
by someone other than the current management of the Stock Company, seeking
stockholder approval of a plan of reorganization, merger, or consolidation of
the Stock Company or Bank or similar transaction with one or more corporations
as a result of which the outstanding shares of the class of securities then
subject to such plan or transaction are exchanged for or converted into cash or
property or securities not issued by the Bank or the Stock Company; or (e) a
tender offer is accepted for 20% or more of the voting securities of the Bank or
Stock Company then outstanding.

     (c) Executive shall not have the right to receive termination benefits
pursuant to Section 3 hereof upon Termination for Cause. The term "Termination
for Cause" shall mean termination because of the Executive's personal
dishonesty, willful misconduct, any breach of fiduciary duty involving personal
profit, intentional failure to perform stated duties, willful violation of any
law, rule, or regulation (other than traffic violations or similar offenses) or
final cease-and-desist order, or material breach of any material provision of
this Agreement. For purposes of this Section, no act, or the failure to act on
Executive's part shall be "willful" unless done or omitted to be done, not in
good faith and without reasonable belief that the action or omission was in the
best interests of the Holding Company or the Savings Bank. Notwithstanding the
foregoing, Executive shall not be deemed to have been Terminated for Cause
unless and until there shall have been delivered to him a Notice of Termination
which shall include a copy of a resolution duly adopted by the affirmative vote
of not less than two-thirds of the members of the Board at a meeting of the
Board called and held for that purpose (after reasonable notice to the Executive
and an opportunity for him, together with counsel, to be heard before the
Board), finding that in good faith opinion of the Board, the Executive was
guilty of conduct justifying Termination for Cause and specifying the
particulars thereof in detail. The Executive shall not have the right to receive
compensation or other benefits for any period after Termination for Cause. Any
stock options or limited rights granted to Executive under any stock option plan
or any unvested awards granted to Executive under a Recognition and Retention
Plan of the Savings Bank, the Company or any subsidiary or affiliate thereof,
shall become null and void effective upon Executive's receipt of Notice of
Termination for Cause and shall not be exercisable by Executive at any time
subsequent to such Termination for Cause.


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3. TERMINATION BENEFITS.

     (a) Upon the occurrence of a Change in Control, followed at any time during
the term of this Agreement by the voluntary or involuntary termination of the
Executive's employment, other than for Termination for Cause, the Savings Bank
and the Company shall pay the Executive, or in the event of his subsequent
death, his beneficiary or beneficiaries, or his estate, as the case may be, as
severance pay or liquidated damages, or both, a sum equal to three (3) times the
average of the three preceding years' base salary, including bonuses and any
other cash or deferred compensation paid, or to be paid, to the Executive for
such years and such benefits as are otherwise payable to Executive under such
plans upon a Change in Control. At the election of the Executive such payment
may be made in a lump sum or paid in equal monthly installments during the
twelve (12) months following the Executive's termination. In the event that no
election is made, payment to the Executive will be made on a monthly basis
during the remaining term of this Agreement.

     (b) Upon the occurrence of a Change in Control of the Savings Bank or the
Holding Company followed at any time during the term of this Agreement by the
Executive's voluntary or involuntary termination of employment, other than for
Termination for Cause, the Savings Bank shall cause to be be continued life,
medical, dental and disability coverage substantially identical to the coverage
maintained by the Savings Bank for the Executive prior to his severance. Such
coverage and payments shall cease upon the expiration of thirty-six (36) months.

     (c) Upon the occurrence of a Change in Control, the Executive shall be
entitled to receive benefits due him under, or contributed by the Bank on his
behalf pursuant to any retirement, incentive, profit sharing, bonus,
performance, disability or other employee benefit plan maintained by the Bank on
the Executive's behalf to the extent that such benefits are not otherwise paid
to the Executive under a separate provision of this Agreement.

Notwithstanding the preceding paragraphs of this Section 3, in the event that:

the aggregate payments or benefits to be made or afforded to the Executive under
said paragraphs (the "Termination Benefits") would be deemed to include an
"excess parachute payment" under Section 280G of the Internal Revenue Code of
1986 (the Code) or any successor thereto, and

if such Termination Benefits were reduced to an amount (the "Non-Triggering
Amount"), the value of which is one dollar ($1.00) less than an amount equal to
three (3) times Executive's "base amount" as determined in accordance with said
Section 280G, and the Non-Triggering Amount would be greater than the aggregate
value of the Termination Benefits (without such reduction) minus the amount of
tax required to be paid by the Executive thereon by Section 4999 of the Code,
then the Termination Benefits shall be reduced to the Non-Triggering Amount. The
allocation of the reduction required hereby among the Termination Benefits
provided by the preceding paragraphs of this Section 3 shall be determined by
the Executive.

4. NOTICE OF TERMINATION.

     (a) Any purported termination by the Savings Bank, the Holding Company or
by Executive shall be communicated by Notice of Termination to the other party
hereto. For purposes of this Agreement, a "Notice of Termination" shall mean a
written notice which shall indicate the specific termination provision in this
Agreement relied upon and shall set forth in reasonable detail the facts and
circumstances claimed to provide a basis for termination of executive's
employment under the provision so indicated.

"Date of Termination" shall mean the date specified in the Notice of Termination
which, in the instance of Termination for Cause, shall be immediate.

5. SOURCE OF PAYMENTS.

     It is intended by the parties hereto that all payments provided in this
Agreement shall be paid in cash or check from the general funds of the Savings

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Bank. The Holding Company, however, guarantees payment and provision of all
amounts due hereunder to the Executive and, if such amounts and benefits due
from the savings Bank are not timely paid or provided by the Savings Bank, such
amounts and benefits shall be paid or provided by the Holding Company.

6. EFFECT ON PRIOR AGREEMENTS AND EXISTING BENEFIT PLANS.

     This Agreement contains the entire understanding between the parties hereto
and supersedes any prior agreement between the Savings Bank and the Executive,
except that this Agreement shall not affect or operate to reduce any benefit or
compensation inuring to the Executive of a kind elsewhere provided. No provision
of this Agreement shall be interpreted to mean that the Executive is subject to
receiving fewer benefits than those available to him without reference to this
Agreement.

     Nothing in this Agreement shall confer upon the Executive the right to
continue in the employ of Savings Bank or shall impose on the Savings Bank any
obligation to employ or retain the Executive in its employ for any period.

7. NO ATTACHMENT.

     (a) Except as required by law, no right to receive payments under this
Agreement shall be subject to anticipation, commutation, alienation, sale,
assignment, encumbrance, charge, pledge, or hypothecation, or to execution,
attachment, levy, or similar process or assignment by operation of law, and any
attempt, voluntary or involuntary, to affect any such action shall be null,
void, and of no effect.

     (b) This Agreement shall be binding upon, and inure to the benefit of, the
Executive, the Savings Bank and their respective successors and assigns.

8. MODIFICATION AND WAIVER.

This Agreement may not be modified or amended except by an instrument in writing
signed by the parties hereto.

     (b) No term or condition this Agreement shall be deemed to have been
waived, nor shall there be any estoppel against the enforcement of any provision
of this Agreement, except by written instrument of the party charged with such
waiver or estoppel. No such written waiver shall be deemed a continuing waiver
unless specifically stated therein, and each such waiver shall operate only as
to the specific term or condition waived and shall not constitute a waiver of
such term or condition for the future or as to any act other than that
specifically waived.

9. REQUIRED REGULATORY PROVISIONS.

     (a) The Board may terminate the Executive's employment at any time, but any
termination by the Board, other than Termination for Cause, shall not prejudice
the Executive's right to compensation or other benefits under the Agreement. The
Executive shall not have the right to receive compensation or other benefits for
any period after Termination for Cause as defined in Section 2 hereinabove.

10. SEVERABILITY.

If, for any reason, any provision of this Agreement, or any part of any
provision, is held invalid, such invalidity shall not affect any other provision
of this Agreement or any part of such provision not held so invalid, and each
such other provision and part thereof shall to the full extent consistent with
law continue in full force and effect.

11. HEADINGS FOR REFERENCE ONLY.

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     The headings of sections and paragraphs herein are included solely for
convenience of reference and shall not control the meaning or interpretation of
any of the provisions of this Agreement.

12. GOVERNING LAW.

     The validity, interpretation, performance, and enforcement of this
Agreement shall be governed by Pennsylvania law.

13. ARBITRATION.

     Any dispute or controversy arising under or in connection with this
Agreement shall be settled exclusively by arbitration in accordance with the
rules of the American Arbitration Association then in effect. Judgment may be
entered on the arbitrator's award in any court having jurisdiction; provided,
however, that the Executive shall be entitled to seek specific performance of
his right to be paid until the Date of Termination during the pendency of an
dispute or controversy arising under or in connection with this Agreement.

     In the event any dispute or controversy arising under or in connection with
Executive's termination is resolved in favor of the Executive, whether by
judgment, arbitration or settlement, Executive shall be entitled to the payment
of all back-pay, including salary, bonuses and any other cash compensation,
fringe benefits and any compensation and benefits due Executive under this
Agreement.

14. PAYMENT OF COSTS AND LEGAL FEES.

     All reasonable costs and legal fees paid or incurred by the Executive
pursuant to any dispute or question of interpretation relating to this Agreement
shall be paid or reimbursed by the Savings Bank (which payments are guaranteed
by the Holding Company pursuant to Section 5 hereof) if Executive is successful
pursuant to legal judgment, arbitration or settlement.




15. INDEMNIFICATION.

     The Savings Bank shall provide Executive (including his or her legal
representatives, successors, and assigns) with coverage under a standard
directors' and officers' liability insurance policy at its expense, or in lieu
thereof, shall indemnify Executive (including his or her legal representatives,
successors, and assigns) to the fullest extent permitted under Pennsylvania law
against all expenses and liabilities reasonably incurred by Executive in
connection with or arising out of any action, suit or proceeding in which he may
be involved by reason of his having been a trustee or officer of the Savings
Bank (whether or not he continues to be trustee or officer at the time of
incurring such expenses or liabilities); such expenses or liabilities to
include, but not limited to, judgments, court costs and attorneys' fees and the
cost of reasonable settlements for reasonable costs and expenses incurred by
Executive in defending or settling any judicial or administrative proceeding, or
threatened proceeding, whether civil, criminal, or otherwise, including any
appeal or other proceeding for review.

     Indemnification by the Savings Bank shall be made only upon the final
judgment on the merits in favor of the Executive, in case of settlement, in case
of final judgment against Executive or in the case of final judgment in favor of
Executive other than on the merits, if a majority of the disinterested directors
of the Savings Bank determine Executive was acting in good faith within the
scope of Executive's employment or authority.

     Any such indemnification of Executive for such expenses and liabilities are
to include, but not be limited to, judgments, court costs and attorneys' fees
and the cost of reasonable settlements, such settlements to be approved by the

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Board of Directors of the Savings Bank, if such action is brought against the
Executive in his or her capacity as an officer or trustee of the Savings Bank,
provided however, such indemnity shall not extend to matters as to which the
Executive is finally adjudged to be liable for willful misconduct in the
performance of his or her duties.

16. SUCCESSOR TO THE BANK.

     The Savings Bank shall require any successor or assignee, whether direct or
indirect, by purchase, merger, consolidation or otherwise, to all or
substantially all the business or assets of the Savings Bank or the Holding
Company, expressly and unconditionally to assume and agree to perform the
Savings Bank's obligations under this Agreement, in the same manner and to the
same extent that the Savings bank would be required to perform if no such
succession or assignment had taken place.

17. SIGNATURES.

     IN WITNESS WHEREOF, Harris Savings Bank and Harris Financial, MHC have
caused this Agreement to be executed by their duly authorized officers, and
Executives have signed this Agreement, on the 29 day of April, 1998.

ATTEST:
                                      HARRIS SAVINGS BANK

/s/ Richard C. Ruben                  BY: /s/ Charles C. Pearson, Jr.
--------------------                      -----------------------------
Corporate Secretary                   President/Chief Executive Officer

SEAL


ATTEST:                                HARRIS FINANCIAL
    (Guarantor)



/s/ Richard C. Ruben                  BY: /s/ Charles C. Pearson, Jr.
----------------------                    ---------------------------
Corporate Secretary                       President/Chief Executive Officer




SEAL




WITNESS:

/s/ Barbara Roth               By: /s/ John W. Atkinson
----------------                   ---------------------





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