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11-09-99

                           SECOND AMENDMENT TO LEASE
                              DATED JUNE 28, 1994
                                    BETWEEN
               SAMUEL LOTSTEIN REALTY COMPANY, LLC ("Landlord")
                                      AND
                          CORNERSTONE BANK ("Tenant")

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     Second Amendment to Lease made this 24th day of November, 1999 between
Samuel Lotstein Realty Company, LLC ("Landlord") and Cornerstone Bank
("Tenant").

                                   RECITALS:

     A.     The parties have entered into a written Lease Agreement covering
            premises known as 1117 High Ridge Road, High Ridge Plaza, Stamford,
            Connecticut (the "Premises") dated as of June 28, 1994 (the
            "Lease").

     B.     By instrument dated June   , 1999 the Landlord and Tenant entered
            into a First Amendment to Lease setting forth an interim rental
            agreement in order to permit the parties to continue negotiations
            concerning a possible reduction in the Tenant's square footage and
            the possible relocation of the Tenant to another store location in
            the Building.

     C.     The parties have resolved such negotiations and have agreed to
            certain amendments to the Lease including:

            (i)     Modification of the term of the Lease:
            (ii)    The base annual rental for the First Renewal Term; and
            (iii)   The Tenant's right of first negotiation in respect to future
                    space which may open up in the Building.

     Now, Therefore, it is hereby agreed as follow:

     1.     Insofar as the First Amendment to Lease purports to set forth the
            rental for the premises for the period November 1, 1999 through
            June 30, 2000, said First Amendment to Lease is revoked and
            rescinded as of February 29, 2000 to be replaced by the rental
            terms set forth in this Second Amendment.

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     2.     Paragraph 31 of the Lease is deleted in its entirety and the
following is inserted in its place:

                 31.     (a)  The Tenant has exercised its option for the First
                 Renewal Term. The period of the First Renewal Term is March 1,
                 2000 to February 28, 2005. (i) During the period from March 1,
                 2000 through February 28, 2001, the annual rental shall be
                 $72,282.96 payable at the monthly rate of $6,023.58; (ii)
                 during the period from March 1, 2001 through February 28, 2002,
                 the annual rental shall be $75,809.04 payable at the monthly
                 rate of $6,317.42; (iii) during the period from March 1, 2002
                 through February 28, 2003, the annual rental shall be
                 $79,335.00 payable at the monthly rate of $6,611.25; (iv)
                 during the period from March 1, 2003 through February 28, 2004,
                 the annual rental shall be $81,098.04 payable at the monthly
                 rate of $6,758.17; (v) during the period from March 1, 2004
                 through February 28, 2005, the annual rental shall be
                 $84,624.00 payable at the monthly rate of $7,052.00.

                 (b)  At the expiration of the First Renewal Term (February 28,
                 2005), provided Tenant is not in default of any one or more of
                 its obligations hereunder, and subject to agreement being
                 reached on the annual rental as set forth below, Tenant shall
                 have two (2) options to renew for two (2) additional periods of
                 five (5) years each. If the Tenant exercises the option for the
                 Second Renewal Term, the Expiration Date as used herein shall
                 be deemed to be February 28, 2010, unless the term of this
                 Lease, as extended by said Second Renewal Term, shall be sooner
                 terminated as hereinabove provided. If the Tenant exercises the
                 option for the Third Renewal Term, the Expiration Date as used
                 herein shall be deemed to be February 28, 2015, unless the
                 term of this Lease, as extended by said Third Renewal Term,
                 shall be sooner terminated as hereinabove provided.

                         As a condition precedent to the exercise of the option
                 to renew for the Second Renewal Term hereby granted, Tenant
                 must notify Landlord of its intent to exercise said option by
                 written notice delivered to Landlord no later than July 1,
                 2004, time being of the essence. As a condition precedent to
                 the exercise of the option to renew for the Third Renewal Term
                 hereby granted, Tenant must notify Landlord of its intent to
                 exercise said option by written notice delivered to Landlord no
                 later than July 1, 2009, time being of the essence.

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                 (c)  The annual rent payable by Tenant during the Second and
                 Third Renewal Terms shall be mutually agreed upon by good faith
                 negotiations between Landlord and the Tenant prior to the
                 commencement of each said Renewal Term. In the event that
                 within sixty (60) days of the date of Tenant's notice to
                 Landlord that it desires to exercise its option for each
                 Renewal Term the parties are unable to agree upon the annual
                 rental for each said Renewal Term, then Tenant shall have no
                 further rights to renew this Lease and this Lease shall
                 terminate as of the Expiration Date set forth at the end of the
                 First Renewal Term or Second Renewal Term, as the case may be.

          3.     Paragraph 41 of the Lease is deleted and the following is
                 inserted in its place and stead:

                 41.  Provided Tenant is not in default of any one or more of
                 its obligations hereunder, Tenant shall have the first right to
                 negotiate a lease for any space located in the Center, south of
                 the Premises consisting of between 1,000 and 1,400 square feet
                 in size. Tenant's right of first negotiation shall proceed as
                 follows. Landlord shall notify the Tenant, in writing, that
                 such space is available. Tenant shall have seven days from the
                 date of Landlord's notice to notify Landlord of Tenant's desire
                 to rent such space. Tenant's notice shall be in writing. The
                 parties hereto will have thirty (30) days from the date of
                 Landlord's notice to enter into a written lease agreement
                 mutually acceptable to Landlord and Tenant. Absent receipt of
                 Tenant's written notice within the time period hereinabove
                 specified, or absent the execution of a written lease within
                 the time period hereinabove specified, time being of the
                 essence for both periods, Tenant's right to negotiate for the
                 additional space in question shall cease and determine without
                 further notice and Landlord shall be free to let the additional
                 space in question free and clear of Tenant's right of
                 negotiation.

          4.     Capitalized terms not otherwise defined herein shall have the
                 meanings ascribed to such terms in the Lease.

          5.     The terms, conditions and covenants of the Lease are hereby
                 expressly incorporated herein and made a part hereof by
                 reference as if the same were herein set forth at length and
                 they shall continue in full force and effect, affected only to
                 the extent of the modification herein set forth.

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     IN WITNESS WHEREOF, the parties hereto have affixed their hand and seal to
this First Amendment to Lease as of the date first above written.

                                            SAMUEL LOTSTEIN REALTY COMPANY, LLC

                                            By:   /s/ PHIL MOLSTRE
                                                --------------------------
                                                Phil Molstre, Manager

                                            CORNERSTONE BANK

                                            By:  /s/ JAMES P. JAKUBEK
                                                ---------------------------
                                                James P. Jakubek, President