Exhibit 10.6

              Trust Services Agreement dated April 30, 1998 by and
                    between Harrington Bank, FSB and INFOVISA


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                           SOFTWARE LICENSE AGREEMENT
                  MAUI ( Multiple Application User Interface )

This Software  License  Agreement  (the  "Agreement")  made this the 30th day of
April,  1998, is by and among INFOVISA  ("Licensor"),  and Harrington Bank, FSB,
("Licensee").

The terms of this Software License Agreement apply to Licensor's  software known
as Multiple Application User Interfaces which includes Enhanced Trust Accounting
and  Enhanced  Trust  Reporting  (Software),  which is owned by  UniPac  Service
Corporation  ("Unipac").  INFOVISA  warrants it has the right to sublicense  the
Software.

NOW,  THEREFORE,  in consideration of the mutual promises in this document,  the
parties agree as follows:

1.   Grant.  Subject to all the terms and  conditions of this  Software  License
     Agreement,  Licensor hereby grants the Licensee a personal,  non-exclusive,
     non-transferable  right and license to use the Software and any  documents,
     manuals or other material provided in support of the software.  No transfer
     of ownership is intended by this Software License Agreement.

2.   Term.  This Agreement  shall be in force  beginning on the date accepted by
     the  President  of Infovisa  and shall  continue for a period of sixty (60)
     months commencing upon billing of the first months maintenance.

3.   Product  Provided.  Licensor will provide an  executable  module in machine
     readable  form for that version of the software  licensed to the  Licensee.
     Licensor will provide installation,  installation training, and maintenance
     of the software on Licensee's  machine,  along with  sufficient  testing to
     insure  that the  software is "up and  running"  and  performing  all tasks
     specified by the Licensor, and is functioning in accordance with Licensor's
     own  specifications.  Maintenance shall be defined in this case, and in any
     and all other  instance,  as consisting of installing and  maintaining  the
     Software.  The  Licensee  is not  permitted  to modify or  re-engineer  the
     Software without the Licensor's  written  consent,  although any additional
     modifications  and services not pertaining to  installation of the Software
     requested  by the  Licensee  will be  provided  for on a pay for  basis  by
     Licensor.  Licensor shall have a right to a copy of all  modifications  and
     all modifications shall be owned by UNIPAC.

4.   Consideration.  In  consideration  of the  license,  Licensee  shall pay to
     Licensor a "license fee" and a "maintenance fee" as set forth in ATTACHMENT
     A.

5.   Interest.  Interest  on all past due  amounts  under this  Agreement  shall
     accrue from the date due at an annual  interest rate equal to the lessor of
     18% per annum or the maximum interest rate permitted by law.

6.   Acceptance/Notice.  Licensee  agrees to use the  Software  according to the
     instructions  supplied by Licensor.  Licensee  shall notify the Licensor of
     all  instances  where the  Licensee  believes  that (1) the  program is not
     functioning,  or (2) the program is not  functioning in accordance with the
     documentation  and/or manuals.  For each such instance,  Licensee agrees to
     provide  notice to  Licensor.  Each such notice shall  explain,  as well as
     Licensee can, the  step-by-step  process leading up to the instance itself,
     any subsequent  actions taken by Licensee,  and the results of such action.
     The notice shall be completed and sent to Licensor in a reasonable time (in
     most cases within three (3) days after the instance first occurs).

7.   Software from Other  Vendors.  In any other  instance in which the Software
     modifies in any way other  software  licensed  from any other  vendor,  the
     Licensee shall be responsible for keeping a copy of the unmodified software
     readily  available,  and  this  unmodified  copy  shall be the copy of that
     software  which shall be returned  to its vendor if such is  required.  The
     Licensor assumes no responsibility with regard to the Licensee's use of any
     software other than its own.

8.   Taxes and other  costs.  All prices  quoted by Licensor  are  exclusive  of
     taxes, duties, assessments, and other, all of which shall be paid solely by
     the Licensee.


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9.   Trade  Secrecy.  The  Licensee  recognizes  that the  Software is the trade
     secret and exclusive property of UNIPAC; therefore, the Licensee shall take
     special care to preserve its confidentiality.  In particular,  the Licensee
     shall not sell,  distribute,  or transfer,  in any manner,  any copy of the
     Software in whatever  form to any other party  without the express  written
     authorization  of  Licensor.  The  Licensee  shall not allow  access to the
     Software by any third parties. The Licensee shall take care that any copies
     of any materials  that it makes for its own use will be clearly  labeled as
     copyrighted materials using the form,

                    CONFIDENTIAL AND TRADE SECRETS MATERIALS

Notwithstanding  anything in this  Agreement to the contrary,  it is the express
intention of the parties to this Agreement that all right, title and interest of
whatever nature in Licensor's users manuals,  training  materials,  all computer
programs,  routines,  structures,  layout,  report  formats,  together  with all
subsequent  versions,   enhancements  and  supplements  to  said  programs,  all
copyrights  (including  both  source  and  object  code) and all oral or written
information  relating  to the  Software  conveyed in  confidence  by Licensor to
Licensee  pursuant  to this  Agreement,  and all  other  forms  of  intellectual
property of whatever nature is and shall remain the sole and exclusive  property
of the UNIPAC.

10.  Licensee's Responsibilities.

     A.   The Licensee will provide the Licensor a contact person to be the data
          administrator for the Software;
     B.   The data administrator  should have knowledge of investments and trust
          operations;
     C.   The Licensee will supply and input the  comparison  index  information
          into the Software;
     D.   The Licensee  will make  changes to the data that has been  downloaded
          into the Software when necessary;
     E.   The Licensee will provide at a minimum  weekly backups of the software
          and data;
     F.   The Licensee will provide  computer  equipment and software to run the
          Maui software programs as specified in ATTACHMENT B. The Licensee will
          maintain   computer   equipment  and  software   compatible  with  the
          Licensor's  modifications  and  therefore,   agrees  to  purchase  new
          equipment and software as may reasonably be required by the Licensor.

11.  Warranties  and  Disclaimers.  Licensor  warrants that it has used its best
     efforts and skill in the  production  of the  Software,  provided  that the
     software  is run  according  to the  instructions  and  using  the  kind of
     equipment required for the Software and operated by persons with reasonable
     skill.

12.  Liability for Damages.  The Licensee understands that the Licensor will not
     be in a  position  to  control  the use  which  the  Licensee  makes of its
     computer  system or the other  software and  peripherals  the Licensee uses
     thereon,  or the procedures the Licensee employs in its computer operation.
     All claims with regard to the Software by the Licensee against the Licensor
     must be made within one (1) year of  Licensee's  awareness of such error or
     forever be barred.

     Except for the express  warranties  set forth in this  Agreement,  Licensor
     makes no  representations  of  warranties  of any nature,  oral or written,
     express or implied regarding the Software, the documentation,  the services
     provided  under this  Agreement,  or any other matter,  INCLUDING,  BUT NOT
     LIMITED TO, THE IMPLIED  WARRANTIES  OF  MERCHANTABILITY  AND FITNESS FOR A
     PARTICULAR  PURPOSE.  This  Agreement  does not  constitute a joint account
     either  expressed or implied  between  Licensor and  Licensee.  Licensor is
     acting as an  independent  contractor  and not as an agent of the  Licensee
     organization.  Any liability of Licensor to Licensee, whether for breach of
     this Agreement,  negligence, or otherwise, shall be specifically subject to
     the limitations of paragraph 13, and in no event shall its liability exceed
     the actual  amount of payments  made by  Licensee  to  Licensor  during the
     then-existing term of this Agreement.

     Pursuant to this Agreement,  Licensor may use third parties to assist it in
     providing  its  services  to  Licensee.  No  such  third  party  makes  any
     warranties whatsoever,  whether expressed or implied, to the Licensee as to
     fitness,  merchantability  or any other  matter;  no such third party shall
     have any liability to the Licensee or any other person or entity in any way
     arising  out of any error or  omission  in the  services  provided  by such
     third-party,  or a delay in providing those services. In no event shall any
     third-party  providing  services to  Licensor be liable to any  Licensee or
     other  person  or  entity  for any  loss,  injury,  or  damages,  including
     incidental  or  consequential  damages or for  anything  beyond  such third
     party's reasonable control.

13.  Limitation of Liability. Because software is inherently complex and may not
     be completely free of errors, Licensee is advised to verify Licensee's work
     and to make  backup  copies.  In no  event  will  Licensor  be  liable  for
     indirect,  special,  incidental,  economic, cover, or consequential damages
     arising  out of the  use  of or  inability  to use  the  software  or  user
     documentation,  even  if  advised  of  the  possibility  of  such  damages.
     Licensor's  liabilities in tort contract or

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     otherwise  shall not exceed the total moneys the Licensee  paid to Licensor
     for the use of the software up to the time that the claim accrued.

14.  Site  Specification.  The  Licensee's  use of the Software is restricted to
     unlimited  concurrent  user(s)  having  access  to an  unlimited  number of
     accounts  on the  Licensee's  existing  database,  at the  site(s) at which
     Licensee  conducts its  day-to-day  trust  operations,  said site(s)  being
     located at Richmond,  IN. The Software is to be used by Licensee to process
     accounts of Licensee  only,  and  acknowledges  that  Licensor  will suffer
     damage is Licensee  permits the Software to be used to process  accounts of
     unrelated third parties not expressly covered by this License Agreement.

     Licensee grants to Licensor the right to inspect its computer operations to
     determine if it is in compliance with this Agreement; however, the Licensor
     agrees  that it will act  reasonably  in the  exercise  of this  right  and
     cooperate with the Licensee to avoid disruption of its computer  operations
     and to preserve the confidentiality of any of its files. Should Licensee be
     found to be using the  Software in violation  of this  Agreement,  Licensee
     agrees to pay any and all additional fees Licensor determines due and owing
     under the current fee  schedule,  accruing  from the original  date of this
     Agreement.

15.  Operating System Specification. Licensee recognizes the need to maintain on
     the  microcomputer  operating  system  software  compatible with Licensor's
     enhancements  to the Software and therefore,  Licensee  agrees to purchase,
     install and  maintain new versions of the  applicable  operating  system as
     recommended by Licensor within the time frame specified by Licensor.

16.  Remedies  Cumulative;  No Waiver.  No remedy of Licensor  contained in this
     Agreement  shall be considered  exclusive of any other remedy;  but rather,
     each remedy shall be distinct,  separate and cumulative, and in addition to
     any other right or remedy  provided in this Agreement or by applicable law.
     Each such  right or  remedy  may be  pursued  singularly,  successively  or
     together in the sole discretion of Licensor and the failure to exercise any
     such right or remedy  shall in no event be construed as a waiver or release
     of the same.  Licensor  may waive any right or remedy  available to it, but
     any such  waiver is not  continuing,  is  limited  to the  specific  act or
     omission waived and shall not affect any other rights or remedies.

17.  Default by  Licensee.  In the event  Licensee  fails to perform  any of the
     obligations under this Agreement,  including but not limited to the failure
     to make any payment required under paragraph 4 with  attachments,  and this
     failure  continues  for a period  of ten  (10)  days  from  the  date  when
     performance  should have been  rendered,  Licensee shall be deemed to be in
     default of its obligations hereunder.

18.  Right to Suspend Performance Without Terminating. In the event of a default
     in any terms of this Agreement by Licensee, then, in addition to Licensor's
     right to  terminate  this  Agreement  and any  other  rights  and  remedies
     Licensor may have,  Licensor may suspend  performance of all services under
     this  Agreement  (and deny Licensee  access to Software  updates) until the
     default is cured;  in such event,  Licensee shall remain liable to Licensor
     under the terms of this  Agreement,  including all payments  required under
     paragraph 4 until the default is cured.

19.  Renewal.  This Agreement  shall  automatically  renew itself for additional
     successive  five year terms,  unless at least ninety (90) days prior to the
     end of the original term or any renewal term,  Licensee gives Licensor,  or
     Licensor  gives  Licensee,  written  notice of its  intent  to cancel  this
     Agreement at the end of the then current term.

20.  Right to  Terminate;  Damages Upon  Termination.  In the event a default by
     Licensor  shall  occur   hereunder,   the  Licensee  may,  at  its  option,
     immediately  terminate this  Agreement.  In the event a default by Licensee
     shall occur hereunder,  Licensor may, at its option,  immediately terminate
     this  Agreement.  Licensee  acknowledges  that  Licensor  will incur  great
     initial  costs and expense to install the Software and to provide  training
     and customer support for Licensee's  personnel,  the recovery of said costs
     and expenses by Licensor are to take place over the term of this  Agreement
     and any renewal.  Therefore,  in the event of default of this  Agreement by
     Licensee,  Licensee  agrees  to pay to  Licensor  an  amount  equal  to the
     maintenance  fees  due  for  the  remaining  balance  of the  term  of this
     Agreement or any renewal  thereof,  so that Licensor may recoup its initial
     costs and expenses. In addition, all Software, equipment, manuals and other
     property of Licensor in Licensee's possession shall immediately be returned
     to Licensor, at Licensee's expense.  Notwithstanding the foregoing, nothing
     herein shall limit Licensor's legal and equitable remedies against Licensee
     in the  event  of a  breach  by  Licensee  of  the  terms,  conditions  and
     protective  covenants  contained  in  this  Agreement,  including,  but not
     limited to, injunctive relief in the event UNIPAC or Licensor's proprietary
     interests in the Software are threatened or infringed.

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21.  Compensation  in Subsequent  Years. At any time upon thirty (30) days prior
     written notice to Licensee,  Licensor,  at its sole option may increase its
     Maintenance Fee, without Licensee's  specific consent.  The Maintenance Fee
     may not be increased by more than five percent (5%) per calendar  year from
     the Maintenance Fee payable the previous calendar year.

22.  Binding  Effect;  Assignability.  This Agreement  shall be binding upon and
     shall  inure to the  benefits of the  parties  hereto and their  respective
     heirs,  representatives,  successors and assigns,  Licensee may not assign,
     delegate  or  otherwise  transfer  any  of its or  his  rights,  duties  or
     obligations  hereunder  or  interest  herein  without  written  consent  of
     Licensor.  In the  event  of any  such  assignment,  delegation,  or  other
     transfer by Licensee,  whether or not Licensor has consented,  the Licensee
     shall remain liable for all amounts due hereunder and all other obligations
     of Licensee pursuant to this Agreement,  whether the Assignor or Transferee
     is or may also be liable to Licensor.

     Licensor  may  transfer  or  assign  its  rights,  duties  and  obligations
     hereunder  or  interest  herein  to  any  entity  related  to  Licensor  by
     substantially  similar ownership or control,  or to a successor in interest
     pursuant  to a merger,  reorganization,  stock  sale or other  transaction,
     without consent of user.

23.  Governing Law. This agreement shall be governed by the laws of the State of
     Colorado.

24.  Jurisdiction,  Venue.  The parties  hereto agree that,  in the event either
     party elects to pursue  legal  action  against the other for default of any
     obligation under this Agreement,  such legal action shall be brought in the
     State of Colorado,  unless  Licensor,  at its sole option,  elects to bring
     action in the county and state of residence of the Licensee.

25.  Severability.  If any part of this  agreement  is held void for any reason,
     the balance of this Agreement shall continue to be valid and binding.

26.  Violation. Licensee agrees to take all reasonable steps necessary to ensure
     that none of its employees nor any related third party violate the terms of
     this Agreement.

27.  Merger Clause.  This Agreement and any appendices or other writings  signed
     by both parties  associated herein constitutes the entire Agreement between
     the parties hereto and supersedes all proposals,  prior  negotiations,  and
     agreements, whether oral or written.


WITNESS the due execution hereof the day and date first written above.

DATED this the 30th day of April, 1998.

INFOVISA, Inc. - Licensor                   Harrington Bank, FSB-Licensee
Cornelius, NC (A Colorado Corporation)      Richmond, IN

Signed:  /s/ Joseph W. Brown                Signed: /s/ Catherine A. Habschmidt
         -------------------                        ---------------------------
                                            PLEASE PRINT OR TYPE:

NAME:   JOSEPH  W. BROWN            NAME:   Catherine A. Habschmidt
TITLE:  PRESIDENT                   TITLE:  SVP & CFO

DATE:   5/14/98                     DATE:   4/30/98

                                            Signed: /s/ Daniel H. Haglund
                                                    ---------------------
                                            PLEASE PRINT OR TYPE:

                                            NAME:  Daniel H. Haglund
                                            TITLE: SVP & Treasurer
                                            DATE   4/30/98

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                                 ATTACHMENT A:
                  Licensing, Maintenance Fees and Other Terms

In consideration of the software license and maintenance,  Licensee shall pay to
Licensor the following fees:

INITIAL SOFTWARE LICENSE:

1.   $7,000 One Time License Fee. Payment is due upon delivery of this Agreement
     to INFOVISA.

2.   $7,000 One Time Installation ion Fee. Payment is due upon installation.

MONTHLY MAINTENANCE FEES:

1.   $1,200  Per Month for ETA in Years 1 & 2.
2.   $1,500 Per Month for ETA in Years 3, 4, 5.
3.   $0 Per Month for ETR.
4.   $0 Per Month for Custody Interface.

     $1,200 Total Per Month for Years 1 & 2.
     $1,500 Total Per Month for Years 3, 4, 5.


2.   The  aforementioned  fee schedule assumes services are provided to a single
     ETA  processing  unit  located at the site at which  Licensee  conducts its
     day-to-day  trust  operations.  If  additional  sites are  required  in the
     future, additional fees will apply.

OPTIONAL SERVICES:

1.   Printing,  Collating,  and  Stapling  of  statements  are  $0.09  per page.
     Envelopes and stuffing of statements are $0.12 per page.
2.   Disaster  Recovery  service  includes  delivery of file server  loaded with
     software, which must be loaded at client site with backup tapes: $6,000 per
     disaster (delivered).
3.   Security Pricing not Included.
4.   $100 Per Month forAMS (Realignment & Modeling).
5.   $20 Per Month for Indices.
6.   $100 Per Month for Common Trust Fund Module.

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                                  ATTACHMENT B
                           ETA Hardware Configuration

FILE SERVER:
      Manufacturer, network certified, with:
           Pentium 200 Processor
           128 MB RAM
           3 -4 GB Hard Drives
           Monitor
           4/8 GB Tape Drive which writes DDS2
           Uninterruptable Power Supply
           Ethernet Network Card

Work Stations:

*    Work  stations  should be Pentium  133 or  greater  with 32 MB RAM and 1 GB
     Harddrive.
*    Windows NT 4.0 Workstation software.
*    Ethernet Network Card

Network:

*    Windows NT network is required with Ethernet connectivity recommended.
*    Ethernet 24 Port Hub and Patch Panel.
*    Category 5 Plenum Data Cable is recommended for the network wiring

SOFTWARE:

*    Windows NT 4.0 with 10 or 25 Station User License is required
*    SQL Server 6.5 with 10 or 25 Station User License is required
*    Cheyenne ArcServe 6.0 Software is required for system backup.
*    Carbon  Copy 32 Version  4.0 is  required  on one work  station for trouble
     shooting.
*    MS Access for one work station WinZip Version 6.3 SR-1 (32 Bit version)

Modems

*    An external V.34 compatible modem which is on the NT Hardware Compatibility
     list is required on the file server  (33.6 or faster baud rate).  This will
     be used for system interfaces.
*    An external V.34  compatible  modem which is compatible with Carbon Copy 32
     and Microsoft RAS is also required on one workstation. This allows INFOVISA
     technical  support people access to your ETA system should trouble shooting
     be required
*    A US Robotics(TM) or Practical Peripherals(TM) modem is recommended.

Printers:

*    A laser  printer is required for printing  checks on the system.  A Hewlett
     Packard(TM)  Laserjet 5N is  recommended.  Note:  The  Laserjet 5N has been
     discontinued and HP is coming out with a replacement.
*    A laser  printer is required  for  printing  statements  and reports on the
     system. A Hewlett Packard(TM) 5 SI is recommended.

TELECOMMUNICATIONS LINES:

*    A standard analog phone line is required for the file server.
*    A standard analog phone line,  which can receive calls, is required for one
     workstation for trouble shooting by INFOVISA.
*    A telephone  set placed near the  workstation  with the  external  modem is
     required. We want to talk to you at the same time we dial in during trouble
     shooting.

NOTE:  Manufacturers  who have network certified  machines  include:  IBM, Dell,
Compaq and Hewlett Packard

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