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                                                                    Exhibit 10.8

                              EMPLOYMENT AGREEMENT

     AGREEMENT, dated as of May 17, 2001 by and among CORNERSTONE BANCORP, INC.,
a Connecticut corporation which is a holding company organized under the
provisions of Conn. Gen. Stat. Sec. 36a-181, with a principal place of business
at 550 Summer Street, Stamford, Connecticut 06901 ("Holdings"), CORNERSTONE
BANK, a Connecticut state chartered Bank with its principal executive offices at
550 Summer Street, Stamford, Connecticut 06901 (the "Bank"), (Holdings and Bank
may be referred to together as "Employer") and NORMAN H. READER, residing at 121
Red Fox Road, Stamford, Connecticut 06903 (the "Employee").

     WHEREAS, Employee and Bank entered into a prior employment agreement on
July 1, 1998 which agreement is to be superceded by this Agreement; and

     WHEREAS, Holdings, Bank and the Employee desire to enter into an employment
agreement on the terms and conditions set forth herein; and

     WHEREAS, Employee commenced employment with Holdings and Bank on March 1,
1985 prior to the execution of this Agreement, and

     WHEREAS, in consideration of the execution of this Agreement, Employee has
agreed to remain employed by Holdings and Bank.

     NOW, THEREFORE, it is AGREED as follows:

     1.   Employment. (a) The Employee is employed as Chief Lending Officer of
          -----------
          the Bank. The Employee shall also serve as a member of and the
          Chairman of the Board of Directors of the Bank. The Employee shall
          also serve as a member of and the Vice Chairman of the Board of
          Directors of Holdings. As an Executive Officer of Holdings and the
          Bank, the Employee shall render executive, policy and other management
          services to Holdings and the Bank of the type customarily performed by
          persons serving in similar capacities with banks or bank holding
          companies engaging in the business of banking and related services.
          The Employee shall also perform such duties as the Board of Directors
          of Holdings (the "Board") may, from time to time, reasonably direct.
          During the term of this agreement, there shall be no material increase
          or decrease in the duties and responsibilities of the Employee
          otherwise than as provided herein, unless the parties otherwise agree
          in writing. During the term of this Agreement, the Employee shall not
          be

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          required to relocate more than 25 miles from Stamford, Connecticut, in
          order to perform the services hereunder. Should the Employee be
          required to relocate more than 25 miles from Stamford in order to
          maintain his position or compensation at least at its present level,
          then the employee's employment shall be considered as involuntarily
          terminated without cause for purposes of sections 8 and 9 of this
          Agreement unless the Employee provides Holdings with a written waiver
          of his rights to consider his employment as involuntarily terminated.

                    (b) Holdings or the Bank may, at their option, select which
          party will fulfill each of the obligations due to the Employee under
          this Agreement, but shall be jointly and severally liable to the
          Employee hereunder.

     2.   Compensation. Employer agrees to pay the Employee during the term of
          -------------
          this Agreement an initial salary at an annual rate equal to $128,650,
          with the salary to be adjusted annually on July 1, as follows:

               July 1, 2001                                      $116,000
               July 1, 2002                                      $103,250
               July 1, 2003                                      $ 90,500
               July 1, 2004                                      $ 77,750

          The salary of the Employee shall not be decreased at any time during
          the term of this Agreement from the amount then in effect, unless the
          Employee otherwise agrees in writing. Participation in deferred
          compensation, discretionary bonus, retirement, and other employee
          benefit plans and in fringe benefits shall not reduce the salary then
          in effect, payable to the Employee under this Section 2. The salary
          under this Section 2 shall be payable to the Employee not less
          frequently than monthly. The Employee shall not be entitled to receive
          fees for serving as a director of Holdings or the Bank or for serving
          as a member of any committee of the Board.

     3.   Discretionary Bonuses. During the term of this Agreement, the Employee
          ----------------------
          shall be entitled to participate in such discretionary bonus
          arrangements as may be authorized by the Board. No other compensation
          provided for in this Agreement shall be deemed a substitute for the
          Employee's right to participate in such bonuses when and as authorized
          by the Board.

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     4.   Participation in Retirement and Employee Benefit Plans; Fringe
          --------------------------------------------------------------
          Benefits; Automobile. The Employee shall be entitled to participate in
          ---------------------
          any plan of Holdings or the Bank relating to stock options, stock
          purchases, pension, thrift, profit sharing, group life insurance,
          supplemental life insurance, medical coverage, disability, education,
          or other retirement or employee benefits which Holdings or the Bank
          has adopted or may adopt for the benefit of its executive employees.
          The Employee shall also be entitled to participate in any other fringe
          benefits which are now or may become applicable to Holdings' or the
          Bank's executive employees, including the payment of reasonable
          business related expenses and expenses for attending annual and
          periodic meetings of trade associations, annual country club dues,
          fees, expenses and assessments, and any other benefits which are
          commensurate with the duties and responsibilities to be performed by
          the Employee under this Agreement. The Employee shall also be entitled
          to the use of an automobile which shall be chosen by and provided by
          Holdings or the Bank and as to which the Bank shall bear all expenses
          of operation, including but not limited to repairs, fuel, and parking
          charges.

     5.   Term. The term of employment under this Agreement shall be for the
          ----
          period commencing on the date of execution of this Agreement and
          ending on the first to occur of (i) the Employee's death or
          Disability, (ii) the Employee's voluntary termination of employment,
          (iii) the termination of the Employee's employment by Holdings or the
          Bank (either for cause or otherwise), or (iv) June 30, 2005, all as
          herein provided. For the purposes of this Agreement, "Disability"
          shall mean the absence of the Employee from the Employee's duties with
          Holdings or the Bank on a full-time basis for 180 consecutive business
          days, as a result of incapacity owing to mental or physical illness
          which is determined to be total and permanent by a physician selected
          by Employer or its insurers and acceptable to the Employee or
          Employee's legal representative.

     6.   Standards. (a) The Employee shall perform the Employee's duties and
          --------------
          responsibilities under this Agreement in accordance with such
          reasonable standards as may be established from time to time by the
          Board. The reasonableness of such standards shall be measured against
          standards for executive performance generally prevailing in the
          banking industry

                     (b) Performance of duties as an officer, director or

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          employee of any affiliate of Holdings or performance of acts to effect
          organization of such affiliate shall not be considered to violate any
          duty Employee may have to Holdings or the Bank.

     7.   Voluntary Absences. Vacations. The Employee shall be entitled, without
          ------------------- ---------
          loss of pay, to be absent voluntarily for reasonable periods of time
          from the performance of Employee's duties and responsibilities under
          this Agreement. All such voluntary absences shall be considered paid
          vacation time, unless the Board otherwise approves. The Employee shall
          be entitled to an annual paid vacation of at least 5 weeks per year or
          such longer period as the Board may approve. The timing of paid
          vacations shall be scheduled in a reasonable manner by the Employee.
          The Employee shall not be entitled (i) to receive any additional
          compensation from Holdings or the Bank on account of failure to take a
          paid vacation or (ii) to accumulate unused paid vacation time from one
          fiscal year to the next.

     8.   Termination of Employment.
          --------------------------

     (a)

          (i)   The board may terminate the Employee's employment at any time.
                The Employee shall have no right to receive compensation or
                other benefits for any period after termination for cause or
                after voluntary termination by the Employee except as provided
                in Section 9. The term "termination for cause" shall mean
                termination by Holdings or the Bank because of the Employee's
                personal dishonesty, incompetence, willful misconduct, 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
                provision of this Agreement. In determining incompetence, the
                acts or omissions shall be measured against standards generally
                prevailing in the banking industry; provided. that it shall be
                                                   ---------
                Holding's or the Bank's burden to prove the alleged acts and
                omissions and the prevailing nature of the standards the Bank
                shall have alleged are violated by such acts and/or omissions.

          (ii)  The parties acknowledge and agree that damages which will result
                to Employee for termination by Holdings and/or the

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                Bank without cause shall be extremely difficult or impossible to
                establish or prove, and agree that, unless the termination is
                voluntary or for cause, Holdings and/or the Bank shall be
                obligated, concurrently with such termination, to make a lump
                sum cash payment to the Employee as liquidated damages of an
                amount equal to the sum of (x) 1 times the Employee's then
                current annual salary under Section 2 of this Agreement, plus
                (y) 1 times the highest bonus awarded to the Employee under
                Section 3 of this Agreement at any time during the 36-month
                period ending with the date of termination. Employee agrees
                that, except for such other payments and benefits to which the
                Employee may be entitled as expressly provided by the terms of
                this Agreement, such liquidated damages shall be in lieu of all
                other claims which Employee may make by reason of such
                termination.

          (iii) In addition to the liquidated damages above described that are
                payable to the Employee for termination without cause, the
                following shall apply (the applicable period being referred to
                herein as the "Benefits continuation Period") (x) for 12 months
                following any termination without cause and (y) for 36 months
                following the period referred to in Section 9(a) (iii) hereof:

                (1) the Employee shall continue to participate in, and accrue
                    benefits under, all retirement, pension, profit sharing,
                    employee stock ownership, thrift, and other deferred
                    compensation plans of Holdings or the Bank as if the
                    termination of Employment of the Employee had not occurred
                    (with the Employee being deemed to receive annually for the
                    purposes of such plans the Employee's then current salary
                    (at the time of Employee's termination) under Section 2 of
                    this Agreement), except to the extent that such continued
                    participation and accrual is expressly prohibited by law, or
                    if such plan constitutes a "qualified plan" (a "Qualified
                    Plan") under Section 401 of the Internal Revenue Code of
                    1986, as amended (the "Code"), to the extent such continued
                    participation and accrual is expressly prohibited by the
                    terms of the Qualified Plan;

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               (2)  the Employee shall be entitled to continue to receive all
                    other employee benefits and then existing fringe benefits
                    referred to in Section 4 hereof as if the termination of
                    employment had not occurred, provided however, that life,
                    health, and disability coverage will terminate upon the
                    Employee becoming eligible for comparable benefits in
                    connection with the Employee's full-time employment by
                    another employer and further provided, that if the Employee
                    dies during the Benefits Continuation Period and prior to
                    becoming eligible for comparable benefits in connection with
                    the Employee's full-time employment by another employer, the
                    health coverage provided to Employee's spouse and dependents
                    shall be continued, at Holding's or the Bank's expense,
                    throughout the period ending with the last day of the
                    calendar month in which occurs the second anniversary of the
                    Employee's death;

               (3)  Holdings or the Bank shall, on the date of the Employee's
                    termination of employment, establish an irrevocable trust
                    that meets the guidelines set forth in Rev. Proc. 92-64
                    published by the Internal Revenue Service (as the same may
                    be modified or supplemented from time to time) (the
                    "Trust"), the assets of which will be held, subject to the
                    claims of judgment creditors of Holdings or the Bank, solely
                    to fund the benefits that the Employee is entitled to under
                    this Section 8(a) (iii), and Holdings or the Bank shall
                    transfer to the Trust an amount sufficient (x) to fund any
                    benefit accrued by the Employee under any defined benefit
                    pension plan maintained by Holdings or the Bank to the
                    extent that such defined benefit pension plan is not fully
                    funded on a termination basis, as determined under the rules
                    and regulations published by the Pension Benefit Guaranty
                    Corporation, at the time of termination of the Employee's
                    employment; and (y) to fund fully all benefits accrued by
                    the Employee under any defined contribution plan maintained
                    by Holdings or the Bank to the extent that such benefits are
                    not fully funded at the time of termination of the
                    Employee's employment;

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               (4)  all insurance or other provisions for indemnification,
                    defense or hold-harmless of officers or directors of
                    Holdings or the Bank which are in effect on the date the
                    notice of termination is sent to the Employee shall continue
                    for the benefit of the Employee with respect to all of
                    Employee's acts and omissions while an officer or director
                    as fully and completely as if such termination had not
                    occurred, and until the final expiration or running of all
                    periods of limitation against action which may be applicable
                    to such acts or omissions;

               (5)  Holdings or the Bank shall, at its sole expense as incurred,
                    provide the Employee with outplacement services, the scope
                    and provider of which shall be selected by either Holdings
                    or the Bank in its sole, reasonable discretion; and

               (6)  the Employee may, at the expense of Holdings or the Bank,
                    hire an accounting firm, law firm and/or financial planning
                    firm, selected by the Employee, to provide the Employee with
                    advice with respect to the Employee's benefits under this
                    Agreement.

     (b)  If the Employee is suspended and/or temporarily prohibited from
          participating in the conduct of Holdings' affairs or the Bank's
          affairs by a notice served under section 8 (e) or 8 (g) of the Federal
          Deposit Insurance Act, or any successor statutes thereto, Holdings' or
          the Bank's obligations under this Agreement shall be suspended as of
          the date of service, unless stayed by appropriate proceedings. If the
          charges in the notice are dismissed, Holdings or the Bank may in its
          discretion (i) pay the Employee all or part of the compensation
          withheld while such contractual obligations were suspended, and (ii)
          reinstate in whole or in part any of the obligations which were
          suspended.

     (c)  If the Employee is removed and/or permanently prohibited from
          participating in the conduct of Holdings' or the Bank's affairs by an
          order issued under section 8 (e) or 8(g) of the Federal Deposit
          Insurance Act or any successor statutes thereto, all obligations of

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          Holdings or the Bank under this Agreement shall terminate as of the
          effective date of the order, but vested rights of the parties shall
          not be affected.

     (d)  Notwithstanding any other provision in this Agreement, Holdings or the
          Bank may terminate or suspend this Agreement and the employment of the
          Employee hereunder, as if such termination were for cause under
          Section 8(a) (i), to the extent required by the laws of the State of
          Connecticut related to banking, by applicable federal law relating to
          deposit insurance or by regulations or orders issued by the Banking
          Commission of the State of Connecticut or the Federal Deposit
          Insurance Corporation, or any successor to any of the foregoing,
          provided that it shall be the burden of Holdings or the Bank to prove
          --------
          that any such action was so required.

     (e)  In the event the employment of the Employee is terminated by the Bank
          without cause under Section 8(a) hereof or the Employee's employment
          is terminated voluntarily or involuntarily in accordance with Section
          9 hereof, and the Bank fails to make timely payment of the amounts
          then owed to the Employee under this Agreement, the Employee shall be
          entitled to reimbursement for all reasonable costs, including
          attorneys' fees, incurred by the Employee in taking action to collect
          such amounts or otherwise to enforce this Agreement, plus interest on
          such amounts at the rate of one percent above the prime rate (defined
          as the base rate on corporate loans at large U.S. money center
          commercial banks as published by The Wall Street Journal), compounded
                                           -----------------------
          monthly, for the period from the date of employment termination until
          payment is made to the Employee. Such reimbursement and interest shall
          be in addition to all rights to which the Employee is otherwise
          entitled under this Agreement.

     (f)  During the one-year period following termination of employment for any
          reason, the Employee may not (i) solicit the employment of any person
          who was, at the time of such termination or during the one-year period
          preceding the Employee's termination, an employee of the bank, or (ii)
          disclose or use in any manner confidential information of the Bank.

     9.   Change in Control.
          -----------------

          (a)  If, either (x) during the term of this Agreement, there is a
               change in control of Holdings or the Bank, or (y) Holdings or
               Bank seeks

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               to terminate this Agreement following knowledge of a potential
               change in control, but prior to the potential change in control
               being terminated or consummated, as the case may be, the Employee
               shall be entitled to the following:

                    (i)  An adjustment in the Employee's then current salary to
                         give the Employee cumulative cost of living increases
                         (based on increases in the Consumer Price Index - "CPI"
                         - for such period) for the period from the date of
                         execution of this Agreement through the date of the
                         change in control ("CPI Adjusted Salary"), and annual
                         increases based on the CPI on each anniversary of the
                         change in control.

                    (ii) The crediting to the Employee for years of service with
                         Holdings or the Bank, plus 5 additional years, for
                         purposes of vesting and calculation of rights and/or
                         benefits under any 401(k) plan, stock option, stock
                         purchase, pension, thrift, profit sharing, group life
                         insurance, supplemental life insurance, medical
                         coverage, disability, education or other retirement or
                         employee benefit plan of Holdings or the Bank or of any
                         successor entity.

                    (iii)18 months notice of termination of employment (the "18
                         month period") during which period the Employee shall
                         be entitled to receive, without offset for any reason,
                         (i) payment of the Employee's CPI Adjusted Salary plus
                         (ii) the highest bonus received by the Employee during
                         the period commencing with the 36th month preceding
                         the change in control and ending with the date of
                         termination. In the event Employee has not completed 36
                         months of service at such time the dollar amount of the
                         bonus attributable to this subsection shall be
                         conclusively presumed to be no less than $50,000. The
                         Employee shall be entitled at his option to terminate
                         his employment with the Bank prior to the expiration of
                         the 18 month period. If the Employee does terminate his
                         employment prior to the expiration of the 18 month
                         period, he shall not be entitled to salary for the
                         portion of the 18 month period he is not employed
                         Holdings or by the Bank, nor shall he be entitled to
                         that portion of the bonus which corresponds

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                         to the period that the Employee is not employed by
                         Holdings or the Bank. The portion of the bonus to which
                         the Employee is not entitled as a result of his
                         termination of his employment shall be determined by
                         multiplying the bonus by a fraction, the numerator of
                         which shall be the number of days of the 18 month
                         period during which the Employee was not employed by
                         Holdings or the Bank and the denominator of which shall
                         be 548. Notwithstanding the foregoing, the Employee
                         shall under all circumstances, to include termination
                         of employment at his request prior to the expiration of
                         the 18 month period, be entitled to the amounts
                         described in Section 9(a)(iv) below. Should the
                         Employee elect to terminate his employment prior to the
                         expiration of the 18 month period, all benefits,
                         rights, and entitlements of the Employee which would
                         commence at the conclusion of the 18 month period shall
                         commence at the date of termination of employment. The
                         18 month period or such shorter period as may occur as
                         a result of voluntary termination in accordance with
                         the preceding provisions of this subsection shall be
                         referred to elsewhere in this Agreement as "the period
                         referred to in Section 9(a)(iii)".

                    (iv) Following the period referred to in (iii) above, at the
                         Employee's election given in writing to Holdings or the
                         Bank at least 30 days prior to the end of such period
                         referred to in Section 9(a)(iii), either a lump sum
                         cash payment or 36 monthly periodic payments, upon
                         termination, or commencing upon termination, as the
                         case may be, in an amount equal to the sum of (x) 3
                         times the Employee's CPI Adjusted Salary, plus (y) 3
                         times the highest bonus received by the Employee during
                         the period commencing with the 36th month preceding the
                         change in control and ending with the date of
                         termination.

          (b)  A "change in control", for purposes of this Agreement, shall be
               deemed to have taken place if any of the following events (the
               Events) occur: (i) any person or group of persons with a unity of
               interest or other affiliation sufficient for them to act in
               concert becomes the beneficial owner of 25 percent or more of the
               total

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               number of voting shares of Holdings or the Bank; (ii) any person
               (other than the persons named as proxies solicited on behalf of
               the Board) holds revocable or irrevocable proxies, as to the
               election or removal of directors of Holdings or the Bank, for 25
               percent or more of the total number of voting shares of Holdings
               or the Bank; (iii) any person has entered into an agreement or
               received an option for the acquisition of, beneficial ownership
               of 25 percent or more of the total number of voting shares of the
               Bank, whether or not the requisite approval for such acquisition
               has been received under applicable laws or the respective
               regulations issued there-under; or(iv) as the result of, or in
               connection with, any cash tender or exchange offer, merger, or
               other business combination, sale of assets or contested election,
               or any combination of the foregoing transactions, the persons who
               were directors of Holdings or the Bank before such transaction
               shall cease to constitute at least two-thirds of the Board of
               Directors of Holdings or the Bank or any successor corporation.
               For purposes of this Section 9(b), a "person" includes an
               individual, corporation, partnership, trust, association, joint
               venture, pool, syndicate, unincorporated organization,
               joint-stock company, or similar organization or group acting in
               concert. For purposes of this Section 9, a person shall be deemed
               to be a beneficial owner as that term is used in Rule l3d-3 under
               the Securities Exchange Act of 1934. The parties recognize that
               Holdings is a holding company organized by the Bank pursuant to
               Conn. Gen. Stat. Sec. 36a-181. Notwithstanding all of the
               foregoing, a "change in control" shall not include the
               acquisition of Holdings' and/or the Bank's voting stock by any
               other holding company organized by Holdings and/or the Bank
               pursuant to Conn. Gen. Stat. Sec. 36a-181 (Holding Company),
               unless one or more of the Events described in the preceding
               portion of this paragraph occurs prior to the organization of
               another Holding Company or as part of a plan which involves the
               organization of another Holding Company. Furthermore, should the
               Bank organize another Holding Company, and should one of the
               Events described in the preceding portion of this paragraph occur
               with respect to the other Holding Company (instead of the Bank),
               then a change in control shall be deemed to have taken place.

          (c)  A "potential change in control", for the purposes of this
               Agreement, shall be deemed to have taken place, if: (i) any
               person commences a tender which, if consummated, would result in

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               such person being the beneficial owner of at least 25% of the
               voting shares of Holdings or the Bank; (ii) Holdings or the Bank
               enters into an agreement the consummation of which will
               constitute a change in control; (iii) proxies are solicited by
               anyone other than the Board, or (iv) any other event occurs which
               is deemed by the Board to be a potential change in control.
               Notwithstanding the foregoing, a "potential change in control"
               shall not include events which are part of the acquisition of the
               Bank's voting stock by a Holding Company organized by the Bank
               pursuant to Conn. Gen. Stat. Section 36a-181, unless the Board
               deems these events to be a potential change in control.

          (d)  A potential change in control, for purposes of this Agreement,
               shall be deemed to have terminated, if the Board determines in
               good faith that a change in control is not likely to occur from
               such potential change in control.

          (e)  In the event that any payment or benefit received by the Employee
               under this Section 9 shall constitute an "excess parachute
               payment" within the meaning of Section 280G(b) of the Internal
               Revenue Code of 1986, as amended (the "Code"), the Bank shall pay
               the Employee such amount or amounts (collectively, the
               "indemnification amount") as are equal to the amount of any
               income, excise or other tax or taxes assessed against the
               Employee as a result of the Employee's receipt of the "excess
               parachute payment", whether assessed under Section 4999 of the
               Code or under any other federal or state tax laws.

     10.  No Assignment. This Agreement is personal to each of the parties
          --------------
          hereto. No party may assign or delegate any rights or obligations
          hereunder without first obtaining the written consent of the other
          party hereto. However, in the event of the death of the Employee all
          rights to receive payments hereunder shall become rights of the
          Employee's estate.

     11.  Other Contracts. The Employee shall not, except as provided in Section
          ----------------
          9(a)(iii), during the term of this Agreement, have any other paid
          employment other than with an affiliate of Holdings or the Bank,
          except with the prior approval of the Board.

     12.  Amendments or Additions: Action by Board. No amendments or additions
          -----------------------------------------
          to this Agreement shall be binding unless in writing and signed by all
          parties hereto. The prior approval by a two-thirds affirmative vote of
          the

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          full Board shall be required in order for the Board to authorize any
          amendments or additions to this Agreement, to give any consents or
          waivers of provisions of this Agreement, or to take any other action
          under this Agreement, including any termination of employment with or
          without cause under Section 8(a) hereof.

     13.  Section Headings. The section headings used in this Agreement are
          ----------------
          included solely for convenience and shall not affect, or be used in
          connection with, the interpretation of this Agreement.

     14.  Severability. The provisions of this Agreement shall be deemed
          -------------
          severable and the invalidity or unenforceability of any provision
          shall not affect the validity or enforceability of the other
          provisions hereof.

     15.  Governing Law. This Agreement shall be governed by the laws of the
          -------------
          State of Connecticut to the extent applicable, and otherwise by the
          laws of the United States.

     16.  Merger. All prior understandings, agreements, representations and
          ------
          warranties, oral and written, between Employer and Employee are merged
          in this Agreement.

                                                  CORNERSTONE BANCORP, INC.


                                                  By:/s/ James P. Jakubek
                                                     /s/ Norman H. Reader
                                                     ---------------------------
                                                  Name and Title:


                                                  CORNERSTONE BANK


                                                  By:/s/ James P. Jakubek
                                                     ---------------------------
                                                  Name and Title:


                                                  /s/ Norman H. Reader
                                                  ------------------------------
                                                  Norman H. Reader

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