Exhibit 10.2

# MID AMERICA BANK

# SPECIAL TERMINATION
AGREEMENT

This
AGREEMENT is made effective as of January 1, 2004 by and between Mid America Bank, fsb
(the Bank), a federally chartered savings institution, with its office at
55th & Holmes Avenue, Clarendon Hills, Illinois, and Edward A. Karasek (the
Executive). The Bank is the wholly-owned subsidiary of the Holding Company
(the Company), a corporation organized under the laws of the State of
Delaware.

WHEREAS,
the Bank recognizes the responsibility Executive has with the Bank and wishes to protect
his 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 Vice
PresidentInternal Audit for the Bank, a position of substantial responsibility which
will require Executive to manage the internal audit function of the Bank;

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 through December
          31, 2006. 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.
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| | (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 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 purchased by the Company in connection
with the conversion of the           Bank 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           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 Control
shall 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 of
stock of the Holding Company by a person, as defined in the OTS Acquisition of
Control Regulations (12 C.F.R. Section 574) (the Control Regulations), who was
an executive officer of the Holding Company on January 19, 1990 and who has continued
to serve as an executive officer of the Holding Company as of the date of the event
described 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 preceding
sentence shall be satisfied, and thus a change in control shall not be deemed to have
occurred, 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 annual compensation paid to Executive for the year 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.
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| | (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).
| | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

In
the event that the amount by which the present value of the Total Payments which
constitute 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 the
Executive shall not be entitled to a Gross-Up Payment. In such an instance, the Parachute
Payments shall be 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; provided that such reduction shall not be made unless the
Non-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 Executive
thereon. The reduction required hereby shall be made by reducing the amount payable under
Section 3(a) of this Agreement.

All
determinations as to the portion, if any, of the Total Payments which constitute Parachute
Payments, whether a Gross-Up Payment is required, the amount of such Gross-Up Payment, the
amount of any reduction, and any amounts relevant to the foregoing paragraphs of this
Section 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 Accounting
Firm). The Accounting Firm shall provide its determination (the
Determination), together with detailed supporting calculations, regarding the
amount of any Gross-Up Payment and any other relevant matter, both to the Bank and the
Executive, within five (5) days of a date of termination, if applicable, or such earlier
time as requested by the Bank or the Executive (if the Executive reasonably believes that
any of the Total Payments may be subject to the Excise Tax). Any determinations by the
Accounting Firm shall be binding upon the Bank and the Executive. As a result of
uncertainty in the application of Section 280G and 4999 of the Code at the time of
the initial determination by the Accounting Firm hereunder, or as a result of a subsequent
determination by the Internal Revenue Service or a judicial authority, it is possible that
the Bank should have made Gross-Up Payments (Underpayments), or that Gross-Up
Payments will have been made by the Bank which should not have been made
(Overpayments). In either such event, the Accounting Firm shall determine the
amount of the Underpayment or Overpayment that has occurred. In the case of the
Underpayment, the amount of such Underpayment shall be promptly paid by the Bank to or for
the benefit of the Executive. In the case of an Overpayment, the Executive shall, at the
direction and expense of the Bank, take such steps as are reasonably necessary (including
the filing of returns and claims for refund), follow reasonable instructions from, and
procedures established by, the Bank, and otherwise reasonably cooperate with the Bank to
correct 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.

IN
WITNESS WHEREOF, the Bank has caused this Agreement to be executed by its duly authorized
officer, and Executive has signed this Agreement, on the 1st day of January,
2004.

|                       |  |                        
|---------------------- |  | -----------------------
|Attest:                |  | MID AMERICA BANK       
|                       |  |                        
|/s/ Carolyn Pihera     |  | By:  /s/ Allen Koranda 
|Corporate Secretary    |  | Chief Executive Officer
|                       |  |                        
|WITNESS:               |  |                        
|                       |  |                        
|/s/ Michael J. Janssen |  | /s/ Edward A. Karasek  
|                       |  | Executive              

Seal