**EXHIBIT 10.5**

MID AMERICA BANK 

SPECIAL TERMINATIONAGREEMENT 

        ThisAGREEMENT is made effective as of October 1, 2006 by and between Mid America Bank, fsb(the “Bank”), a federally chartered savings institution, with its office at55th & Holmes Avenue, Clarendon Hills, Illinois, and James S. Eckel (the“Executive”). The Bank is the wholly-owned subsidiary of the Holding Company(the “Company”), a corporation organized under the laws of the State ofDelaware. 

        WHEREAS,the Bank recognizes the responsibility Executive has with the Bank and wishes to protecthis position therewith for the period provided in this Agreement; and 

        WHEREAS,Executive has been elected to, and has agreed to serve in the position of Senior VicePresident–Marketing for the Bank, a position of substantial responsibility which willrequire Executive to manage the marketing function of the Bank; 

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

    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 through December          31, 2008. At or near each anniversary date of the effective date set forth          above, the board of directors of the Bank (“Board”) may extend the          Agreement an additional year. The Board will review the Agreement and the          Executive’s performance annually for purposes of determining whether to          extend the Agreement, and the results thereof shall be included in the minutes          of the Board’s meeting. In the event the Executive chooses not to renew the          Agreement, the Executive shall provide the Bank with written notice at least ten          (10) days and not more than twenty (20) days prior to such anniversary date. If          either the Bank or the Executive chooses not to renew the Agreement for an          additional period, the Agreement shall cease at the end of its remaining term          unless the Executive’s employment is voluntarily or involuntarily          terminated with the Bank pursuant to Section 2 hereof. 

    2.                 Payments to Executive upon Change in Control. 

    (a)                 Upon the occurrence of a Change in Control of the Bank or the Company (as herein          defined) followed at any time during the term of this Agreement by the voluntary          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, or relocation of          his principal place of employment by more than 50 miles from its location          immediately prior to the Change in Control. 

    (b)                 Definition of a Change in Control. A “Change in Control” of the Bank          or the Company shall mean a change in control in control of a nature that:          (i) would be required to be reported in response to Item 1.01 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          Bank or the Holding Company within the meaning of the Home Owners Loan Act of          1933 and the Rules and Regulations promulgated by the Office of Thrift          Supervision (or its predecessor agency), as in effect on the date hereof          including Section 574 of such regulations; or (iii) 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 or makes an offer to purchase and          completes the purchase of securities of the Bank or Company representing 20% or          more of the Bank’s or the Company’s outstanding securities ordinarily          having the right to vote at the election of directors except for any securities          of the Bank owned by the Company and any securities purchased by the Bank’s          employee stock ownership plan and trust; or (b) individuals who constitute          the Board of Directors of the Company or the Bank 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 shareholders was approved by the Nominating Committee, shall be, for          purposes of this clause (b), considered as though he were a member of the          Incumbent Board; or (c) merger, consolidation or sale of all or          substantially all the assets of the Bank or Company occurs; or (d) a proxy          statement shall be distributed soliciting proxies from stockholders of the          Company, by someone other than the current management of the Company, seeking          stockholder approval of a plan of reorganization, merger or consolidation of the          Company or Bank with one or more corporations as a result of which the          outstanding shares of the class of securities then subject to the Plan are          exchanged for or converted into cash or property or securities not issued by the          Bank or the Company, and such proxy statement proposal is approved by the          shareholders of the Company; or (e) a tender offer is made and completed          for 20% or more of the outstanding securities of the Bank or Company. 

        However,notwithstanding anything contained in this section to the contrary, a Change in Controlshall not be deemed to have occurred as a result of an event described in (i), (ii) or(iii) (a), (c) or (e) above which resulted from an acquisition or proposed acquisition ofstock of the Holding Company by a person, as defined in the OTS’ Acquisition ofControl Regulations (12 C.F.R. Section 574) (the “Control Regulations”), who wasan executive officer of the Holding Company on January 19, 1990 and who has continuedto serve as an executive officer of the Holding Company as of the date of the eventdescribed in (i), (ii) or (iii) (a), (c) or (e) above (an “incumbent officer”).In the event a group of individuals acting in concert satisfies the definition of“person” under the Control Regulations, the requirements of the precedingsentence shall be satisfied, and thus a change in control shall not be deemed to haveoccurred, if at least one individual in the group is an incumbent officer. 

    (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, incompetence, 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. In determining incompetence, the acts or          omissions shall be measured against standards generally prevailing in the          savings institutions industry. 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 copy of a resolution duly adopted by the          affirmative vote of not less than a majority of the Board of Directors of the          Bank at a meeting of the Board called and held for that purpose (after          reasonable notice to Executive and an opportunity for him, together with          counsel, to be heard before the Board), finding that in the good faith opinion          of the Board, 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 of the 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. 

    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 Executive’s employment, other than for          Termination for Cause, the Bank and the Company shall pay 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 the average annual compensation paid to Executive for the three years          immediately preceding Executive’s termination. For purposes of the          preceding sentence, compensation shall include only base salary plus annual cash          bonus payments. At the discretion of Executive, upon an election pursuant to          Section 3(e) hereof, such payment may be made in a lump sum immediately          upon severance of Executive’s employment or paid, on a pro rata basis,          semi-monthly during the thirty-six (36) months following Executive’s          termination. 

    (b)                 Upon the occurrence of a Change in Control of the Bank or the Company followed          at any time during the term of this Agreement by Executive’s voluntary or          involuntary termination of employment, other than for Termination for Cause, the          Bank shall cause to be continued life, health and disability coverage          substantially identical to the coverage maintained by the Bank for Executive and          his or her dependents prior to his severance. Such coverage shall cease upon the          earlier of Executive’s obtaining similar coverage by another employer or          twelve (12) months from the date of Executive’s termination. In the event          the Executive obtains new employment and receives less coverage for life, health          or disability, the Bank shall provide coverage substantially identical to the          coverage maintained by the Bank for the Executive and his or her dependents          prior to termination for a period of twelve (12) months from the date of          Executive’s termination. 

    (c)                 Upon the occurrence of a Change in Control, the Executive will have such rights          as specified in the Company’s stock option plans or any other employee          benefit plan with respect to options and such other rights as may have been          granted to Executive under such plans. 

    (d)                 [INTENTIONALLY LEFT BLANK] 

    (e)                 On an annual basis Executive shall elect whether, in the event amounts are          payable under Sections 3(a) hereof, such amounts shall be paid in a lump          sum or on a pro rata basis pursuant to such sections. Such election shall be          irrevocable for the year for which such election is made. 

    (f)                 Notwithstanding the preceding paragraphs of this Section 3, in the event it          shall be determined that any payment or distribution of any type to or for the          benefit of the Executive by the Bank, any of its affiliates, or any person who          acquires ownership or effective control of the Bank or Holding Company or          ownership of a substantial portion of the Bank’s or Holding Company’s          assets (within the meaning of Section 280G of the Code, and the regulations          thereunder) or any affiliate of such person, whether paid or payable or          distributed or distributable pursuant to the terms of this Agreement or          otherwise (the “Total Payments”), is subject to the excise tax imposed          by Section 4999 of the Code or any similar successor provision or any interest          or penalties with respect to such excise tax (such excise tax, together with any          such interest and penalties, are collectively referred to as the “Excise          Tax”), then, except in the case of a Deminimus Excess Amount (as described          below), the Executive shall be entitled to receive an additional payment (a          “Gross-Up Payment”) in an amount such that after payment by the          Executive of all taxes imposed upon the Gross-Up Payment (including any federal,          state and local income, payroll or excise taxes and any interest or penalties          imposed with respect to such taxes), the Executive retains an amount of the          Gross-Up Payment equal to the Excise Tax imposed upon the Total Payments (not          including any Gross-Up Payment). 

        Inthe event that the amount by which the present value of the Total Payments whichconstitute “parachute payments” (within the meaning of Section 280G of the Code) (the “Parachute Payments”) exceeds three (3) times the Executive’s“base amount” (within the meaning of Section 280G of the Code) (the“Base Amount”) is less than 3% of the amount determined under Section 3(a)of this Agreement, such excess shall be deemed to be a Deminimus Excess Amount and theExecutive shall not be entitled to a Gross-Up Payment. In such an instance, the ParachutePayments shall be reduced to an amount (the “Non-Triggering Amount”), the valueof which is one dollar ($1.00) less than an amount equal to three (3) timesExecutive’s Base Amount; provided that such reduction shall not be made unless theNon-Triggering Amount would be greater than the aggregate value of the Parachute Payments(without such reduction) minus the amount of Excise Tax required to be paid by Executivethereon. The reduction required hereby shall be made by reducing the amount payable underSection 3(a) of this Agreement. 

        Alldeterminations as to the portion, if any, of the Total Payments which constitute ParachutePayments, whether a Gross-Up Payment is required, the amount of such Gross-Up Payment, theamount of any reduction, and any amounts relevant to the foregoing paragraphs of thisSection 3(f) shall be made by an independent accounting firm selected by the Bank,which may be the accounting firm then regularly retained by the Bank (the “AccountingFirm”). The Accounting Firm shall provide its determination (the“Determination”), together with detailed supporting calculations, regarding theamount of any Gross-Up Payment and any other relevant matter, both to the Bank and theExecutive, within five (5) days of a date of termination, if applicable, or such earliertime as requested by the Bank or the Executive (if the Executive reasonably believes thatany of the Total Payments may be subject to the Excise Tax). Any determinations by theAccounting Firm shall be binding upon the Bank and the Executive. As a result ofuncertainty in the application of Section 280G and 4999 of the Code at the time ofthe initial determination by the Accounting Firm hereunder, or as a result of a subsequentdetermination by the Internal Revenue Service or a judicial authority, it is possible thatthe Bank should have made Gross-Up Payments (“Underpayments”), or that Gross-UpPayments will have been made by the Bank which should not have been made(“Overpayments”). In either such event, the Accounting Firm shall determine theamount of the Underpayment or Overpayment that has occurred. In the case of theUnderpayment, the amount of such Underpayment shall be promptly paid by the Bank to or forthe benefit of the Executive. In the case of an Overpayment, the Executive shall, at thedirection and expense of the Bank, take such steps as are reasonably necessary (includingthe filing of returns and claims for refund), follow reasonable instructions from, andprocedures established by, the Bank, and otherwise reasonably cooperate with the Bank tocorrect such Overpayment, including repayment of such Overpayment to the Bank. 

    4.                 Notice of Termination. Any purported termination by the Bank 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 of this Agreement relied upon and shall set forth in 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 case          of a Termination for Cause, shall not be less than thirty (30) days from the          date such Notice of Termination is given); provided that if, within thirty (30)          days after any Notice of Termination is given, the party receiving such Notice          of Termination notifies the other party that a dispute exists concerning the          termination, the date of Termination shall be the date on which the dispute is          finally determined, either by mutual written agreement of the parties, by a          binding arbitration award, or by a final judgment, order or decree of a court of          competent jurisdiction (the time for appeal therefrom having expired and no          appeal having been perfected) and provided further that the Date of Termination          shall be extended by a notice of dispute only if such notice is given in good          faith and the party giving such notice pursues the resolution of such dispute          with reasonable diligence. 

    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 Bank. The Company, however, guarantees payment and          provision of all amounts and benefits due hereunder to Executive, if such          amounts and benefits due from the Bank are not timely paid or provided by the          Bank, such amounts and benefits shall be paid or provided by the 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 Bank and Executive, except that this Agreement shall          not affect or operate to reduce any benefit or compensation inuring to Executive          of a kind elsewhere provided. No provision of this Agreement shall be          interpreted to mean that Executive is subject to receiving fewer benefits than          those available to him without reference to this Agreement. 

    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, Executive,          the Bank and their respective successors and assigns. 

    8.                 Modification and Waiver. 

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

    (b)                 No term or condition of 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 Bank may terminate the Executive’s employment at any time, but any          termination by the Bank, other than Termination for Cause, shall not prejudice          Executive’s right to compensation or other benefits under this Agreement.          Executive shall not have the right to receive compensation or other benefits for          any period after Termination for Cause as defined in Section 2(c)          hereinabove. 

    (b)                 If the Executive is suspended from office and/or temporarily prohibited from          participating in the conduct of the Bank’s affairs by a notice served under          Section 8(e)(3) (12 USC Section 1818(e)(3)) or 8(g) (12 USC          Section 1818(g)) of the Federal Deposit Insurance Act, as amended by the          Financial Institutions Reform, Recovery and Enforcement Act of 1989, the          Bank’s obligations under this contract shall be suspended as of the date of          service, unless stayed by appropriate proceedings. If the charges in the notice          are dismissed, the Bank may in its discretion (i) pay the Executive all or          part of the compensation withheld while their contract obligations were          suspended and (ii) reinstate (in whole or in part) any of the obligations          which were suspended. 

    (c)                 If the Executive is removed and/or permanently prohibited from participating in          the conduct of the Bank’s affairs by an order issued under          Section 8(e) (12 USC (Section 1818(e)) or 8(g) (12 USC (Section 1818(g)) of          the Federal Deposit Insurance Act, as amended by the Financial Institutions          Reform, Recovery and Enforcement Act of 1989, all obligations of the Bank under          this contract shall terminate as of the effective date of the order, but vested          rights of the contracting parties shall not be affected. 

    (d)                 If the Bank is in default as defined in Section 3(x) (12 USC Section          1813(x) (1)) of the Federal Deposit Insurance Act, as amended by the Financial          Institutions Reform, Recovery and Enforcement Act of 1989, all obligations of          the Bank under this contract shall terminate as of the date of default, but this          paragraph shall not affect any vested rights of the contracting parties. 

    (e)                 All obligations of the Bank under this contract shall be terminated, except to          the extent determined that continuation of the contract is necessary for the          continued operation of the institution, (i) by the Federal Deposit          Insurance Corporation, at the time FDIC enters into an agreement to provide          assistance to or on behalf of the Bank under the authority contained in          Section 13(c) (12 USC (Section 1823(c)) of the Federal Deposit Insurance          Act, as amended by the Financial Institutions Reform, Recovery and Enforcement          Act of 1989; or (ii) by the Office of Thrift Supervision (“OTS”)          at the time the OTS or its District Director approves a supervisory merger to          resolve problems related to the operations of the Bank or when the Bank is          determined by the OTS or FDIC to be in an unsafe or unsound condition. Any          rights of the parties that have already vested, however, shall not be affected          by such action. 

    10.                 Reinstatement of Benefits Under 9(b). In the event Executive is suspended          and/or temporarily prohibited from participating in the conduct of the          Bank’s affairs by a notice described in Section 9(b) hereof (the          “Notice”) during the term of this Agreement and a Change in Control,          as defined herein, occurs, the Bank will assume its obligation to pay and the          Executive will be entitled to receive all of the termination benefits provided          for under Section 3 of this Agreement upon the Bank’s receipt of a          dismissal of charges in the Notice. 

    11.                 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. 

    12.                 Headings for Reference Only. 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. 

    13.                 Governing Law. The validity, interpretation, performance, and enforcement          of this Agreement shall be governed by Federal Law. 

    14.                 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 Executive shall be entitled to seek specific performance          of his right to be paid until the Date of Termination during the pendency of any          dispute or controversy arising under or in connection with this Agreement. 

    15.                 Payment of Legal Fees. All reasonable legal fees paid or incurred by          Executive pursuant to any dispute or question of interpretation relating to this          Agreement shall be paid or reimbursed by the Bank, if the Executive is          successful on the merits of such dispute or question pursuant to any legal          judgment, arbitration or settlement. Such payments are guaranteed by the Company          pursuant to Section 5 hereof. 

    16.                 Signatures. 

        INWITNESS WHEREOF, the Bank has caused this Agreement to be executed by its duly authorizedofficer, and Executive has signed this Agreement to be effective on the 1st dayof October, 2006.