EXHIBIT 10.6-B

                      STANDARD FEDERAL BANK FOR SAVINGS
                             EMPLOYMENT AGREEMENT

                    This Employment Agreement (this "Agreement") is
          entered into as of July 28, 1994 (the "Effective Date"),
          by and among Standard Federal Bank for savings ("SFB"),
          Standard Financial, Inc. ("Holding Company") and Thomas
          M. Ryan ("Executive").

                    WHEREAS, SFB is a wholly owned subsidiary of
          Holding Company;

                    WHEREAS, Executive has been elected to and has
          agreed to serve in the position of Senior Vice President
          and Chief Financial Officer for SFB and Holding Company,
          positions of substantial responsibility;

                    WHEREAS, SFB and Holding Company recognize the
          substantial contribution Executive has made to SFB and
          Holding Company, and each considers the establishment and
          maintenance of sound and vital senior management to be
          essential to protecting and enhancing the best interests
          thereof and therefore desires to enter into an agreement
          governing the terms and conditions of Executive's
          employment; and

                    WHEREAS, the Board of Directors of SFB and of
          Holding Company have considered and approved this
          Agreement with respect to Executive's employment.

                    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:

                           Section 1 - Definitions

               1.1  A "Change in Control" shall mean:

                    (a)  during any period of two consecutive
          years, individuals who at the beginning of such period
          constitute the Board of Directors of Holding Company or
          SFB cease for any reason to constitute a majority
          thereof, unless the election or nomination for election
          of each new Director was approved by a vote of at least
          two-thirds of the Board members then still in office who
          were Board members at the beginning of the period or who
          were similarly nominated;

                    (b)  a change in control of SFB or the Holding
          Company as described in 12 C.F.R. SECTION 574.4(a) occurs;

                    (c)  the Board of Directors of SFB or Holding
          Company adopts a resolution to the effect that a Change
          in Control of SFB or Holding Company for purposes of this
          Agreement has occurred;

                    (d)  an event of a nature that Holding Company
          would be required to report in response to item l(a) of
          the current report on Form 8-K as in effect on the date
          of this Agreement, pursuant to Section 13 or 15(d) of the
          Securities Exchange Act of 1934, as amended (the
          "Exchange Act") occurs;

                    (e)  any "person" (as such term is used in
          Sections 13(d) and 14(d) of the Exchange Act) is or
          becomes the "beneficial owner" (as such term is defined
          in Rule 13d-3 of the Exchange Act), directly or
          indirectly, of securities of SFB or Holding Company
          representing 20 percent or more of Holding Company's or
          SFB's outstanding securities, except for any securities
          of SFB purchased by Holding Company in connection with
          the conversion of SFB to stock form, any securities
          purchased by SFB's employee stock ownership plan and
          trust and any person who becomes a 20 percent beneficial
          owner solely as a result of stock repurchases by Holding
          Company; or

                    (f)  a plan of reorganization, merger,
          consolidation, sale or liquidation of all or
          substantially all assets of SFB or Holding Company or a
          similar transaction occurs in which SFB or Holding
          Company is not the resulting entity.

               1.2  The "Code" shall mean the Internal Revenue Code
          of 1986, as amended.

               1.3  "Date of Termination" shall mean:

                    (a)  If Executive's employment is automatically
          terminated under Section 7.1 of this Agreement, the date
          on which the event which triggered that automatic
          termination occurred.

                    (b)  If Executive's employment is terminated
          for Good Reason under Section 7.3 of this Agreement or by
          SFB under Section 7.2(a) of this Agreement, the date
          specified in the Notice of Termination.

                    (c)  If Executive's employment is terminated
          under Section 7.2(b) of this Agreement, the date
          specified in Section 7.2(b).

                    (d)  If Executive's employment is terminated at
          the end of the Term of this Agreement, the last day of
          such Term.

               1.4  "Disability" shall mean Executive's inability
          for a period of not less than 90 consecutive days, due to
          accident or physical or mental illness, to adequately and
          fully perform the duties required by an employee in
          Executive's position; provided, however, that Disability
          for purposes of this Agreement shall not include any
          Disability which results from Executive's engaging in a
          criminal enterprise or from Executive's habitual
          drunkenness, addiction to narcotics or intentionally
          inflicted injury.  If at any time during the Term, the
          SFB Board makes a determination with respect to
          Executive's Disability, that determination shall be
          final, conclusive, and binding upon SFB, Executive, and
          their successors in interest, so long as such
          determination has a reasonable basis.

               1.5  "Good Reason" shall be deemed to exist if:

                    (a)  within two years after a Change in
          Control, without Executive's express written consent,
          Executive is assigned any duties inconsistent in any
          material respect with Executive's positions, duties,
          responsibilities and status with SFB or Holding Company
          immediately prior to a Change in Control of SFB or
          Holding Company; Executive's reporting responsibilities,
          titles or offices as in effect immediately prior to a
          Change in Control of SFB or Holding Company are changed
          in any material respect; the Term of this Agreement is
          not restored to three years under Section 2.2 of this
          Agreement; Executive is removed from or is not re-elected
          to any of such positions, except in connection with the
          termination of Executive's employment (1) for Cause, (2)
          on account of Disability, (3) as a result of Executive's
          death, or (4) by Executive other than for Good Reason; 

                    (b)  within two years after a Change in
          Control, SFB's or Holding Company's principal executive
          offices are relocated to a location at least 30 miles
          from its current location; or SFB or Holding Company
          requires Executive to be based anywhere other than in the
          Chicago, Illinois metropolitan area, except for required
          travel on SFB's or Holding Company's business to an
          extent substantially consistent with similarly situated
          executives' business travel obligations;

                    (c)  within two years after a Change in
          Control, SFB or Holding Company reduces in any material
          respect the base salary of Executive, SFB or Holding
          Company fails to continue in effect any material benefit
          or compensation plan, pension plan, life insurance plan,
          health and accident plan or disability plan in which
          Executive is participating at the time of a Change in
          Control (or plans providing Executive with substantially
          similar benefits) or SFB or Holding Company takes any
          action which would materially adversely affect
          Executive's participation in or materially reduce
          Executive's benefits under any benefit plan maintained by
          SFB or Holding Company or deprive Executive of any
          material fringe benefits;

                    (d)  SFB or Holding Company fail to obtain the
          assumption of all obligations under this Agreement by any
          successor as contemplated in Section 8.5 of this
          Agreement; or

                    (e)  within two years after a Change in
          Control, Executive's employment is purported to be
          terminated in a manner which is not pursuant to a Notice
          of Termination satisfying the requirements of Section 7.4
          of this Agreement.

               1.6  The "Holding Company Board" shall mean the
          Board of Directors of Holding Company.

               1.7  "Notice of Termination" shall mean a notice,
          from SFB or from Executive, which shall indicate the
          specific termination provision in this Agreement relied
          upon, shall set forth in reasonable detail the facts and
          circumstances claimed to provide a basis for termination
          of Executive's employment under the provision so
          indicated and shall state the effective date of the
          termination.

               1.8  The "OTS" shall mean the Office of Thrift
          Supervision or any successor thereto.

               1.9  The "SFB Board" shall mean the Board of
          Directors of SFB.

               1.10 "Secret or Confidential Information" shall mean
          secret or confidential information of Holding Company or
          SFB (including secret or confidential information of
          subsidiaries and affiliates), including but not limited
          to lists of customers; identity of customers; identity of
          prospective customers; contract terms; bidding
          information and strategies; pricing methods; computer
          software; computer software methods and documentation;
          hardware; salary information with respect to employees;
          financial product design information; business plans;
          methods of operation; the procedures, forms and
          techniques used in servicing accounts; and all other
          documents or information which are required to be
          maintained in confidence for continued business success,
          provided that secret or confidential information shall
          not include information reasonably available to the
          general public.

               1.11 Termination for "Cause" by Holding Company or
          SFB of Executive's employment under this Agreement shall
          have the same meaning as it does in 12 C.F.R. SECTION 563.39,
          and shall include termination because of:

                    (a)  the intentional and substantial failure by
          Executive to perform Executive's duties with Holding
          Company or SFB (other than any such failure resulting
          from incapacity due to physical or mental illness); or

                    (b)  Executive's personal dishonesty,
          incompetence, willful misconduct, breach of a fiduciary
          duty involving personal profit, willful violation of any
          law, rule or regulation (other than traffic violations or
          similar offenses) or cease-and-desist order or material
          breach of any provision of this Agreement.

               Notwithstanding the foregoing, Executive shall not
          be deemed to have been terminated for Cause unless and
          until there shall have been delivered to Executive a
          written notice of the intention to terminate his
          employment for Cause specifying the grounds for such
          termination, providing a reasonable opportunity to cure
          any conduct or act, if curable, alleged as grounds for
          such termination, and a reasonable opportunity to present
          to the SFB  Board his position regarding any dispute
          relating to the existence of such Cause.

                       Section 2 - Employment and Term

               2.1  Employment.  SFB agrees to employ Executive and
          Executive agrees to serve as Senior Vice President and
          Chief Financial Officer of SFB.  Executive shall also
          serve, unless otherwise determined by the Holding Company
          Board, without any additional compensation to that
          provided hereunder, as Senior Vice President and Chief
          Financial Officer of the Holding Company and as an
          officer and/or director of one or more of the Holding
          Company's subsidiaries as the Holding Company Board shall
          from time to time designate.  Executive agrees to accept
          employment on the terms and conditions set forth in this
          Agreement.

               2.2  Term.  Subject to extension in accordance with
          this Section 2 and unless sooner terminated as provided
          in Section 7, the term of this Agreement (the "Term")
          shall be the three-year period beginning on July 28, 1994
          (the "Effective Date") and ending on July 27, 1997 or
          such earlier time as provided by Section 7.1. On or
          before each anniversary of the Effective Date (each an
          "Anniversary Date"), the Holding Company Board shall
          review Executive's performance under this Agreement to
          determine whether Holding Company and SFB desire that the
          Term of this Agreement be restored to three years.  If
          the Holding Company Board recommends and Executive
          consents to such restoration, then the then-remaining
          Term of this Agreement shall be restored to the three-
          year term beginning on such Anniversary Date (subject to
          early termination as provided by Section 7.1).

                       Section 3 - Duties of Executive

               3.1  Time Devoted; Duties.  Executive shall devote
          his entire time, attention and energies to the business
          of SFB and Holding Company and he shall render such
          administrative and management services to SFB and Holding
          Company as are customarily performed by persons situated
          in a similar executive capacity, including those services
          prescribed from time to time by the SFB and Holding
          Company Boards.  Executive shall also promote, by
          entertainment or otherwise, as and to the extent
          permitted by law, the business of SFB and Holding
          Company.  Executive shall perform his duties under this
          Agreement in accordance with such reasonable standards
          expected of employees with comparable positions in
          comparable organizations and as may be established from
          time to time by the SFB and Holding Company Boards. 
          Executive shall also conduct his personal affairs,
          including his personal financial affairs, in a manner
          appropriate for his position.

               3.2  No Conflicting Activities.  During the term of
          Executive's employment under this Agreement, Executive
          shall not engage in any business or activity contrary to
          the business affairs or interests of SFB or Holding
          Company.  Nothing contained in this Section 3 shall be
          deemed to prevent or limit the right of Executive to
          invest in the capital stock or other securities of any
          business or engage in charitable or civic activities as
          long as such conduct or activity does not interfere with
          Executive's duties as set forth in Section 3.1 above.

                           Section 4 - Compensation

               4.1  Base Compensation.  Executive shall receive for
          his services the following Base Compensation:

                    (a)  SFB shall pay Executive an annual salary
          of $159,600.00 ("Base Compensation") payable in 26 equal
          bi-weekly installments.

                    (b)  Any increase in Executive's Base
          Compensation shall be left to the sole discretion of the
          SFB Board.  The Executive's Base Compensation shall not
          be subject to reduction during the Term of this Agreement
          except as otherwise provided in this Agreement.

               4.2  Bonus Compensation.  SFB may pay Executive
          Bonus Compensation in an amount determined by the SFB
          Board in its sole discretion ("Bonus Compensation").

               4.3  Additional Compensation.  As further
          compensation, SFB and Holding Company shall make
          available the benefits provided to Executive under
          Holding Company's Management Recognition and Retention
          Plan and Trusts expected to be adopted subsequent to the
          date hereof and shall make available the stock options
          provided to Executive pursuant to Holding Company's 1994
          Incentive Stock Option Plan expected to be adopted
          subsequent to the date hereof.

               4.4  Source of Payments.  All payments provided for
          in this Agreement shall be timely paid by SFB.  However,
          Holding Company unconditionally guarantees payment and
          provision of all amounts and benefits due hereunder to
          Executive and, if such amounts and benefits due from SFB
          are not timely paid or provided by SFB, such amounts and
          benefits shall be paid or provided by Holding Company.

                        Section 5 - Employee Benefits

               5.1  Business Expenses.  During the Term, SFB shall
          reimburse Executive for ordinary and necessary business
          expenses incurred by Executive in performing his duties
          pursuant to this Agreement, including but not limited to
          reasonable travel, entertainment and similar expenses
          that Executive incurs in promoting the business of
          Holding Company or SFB; provided, that SFB shall not
          reimburse any such expense which, prior to its being
          incurred, SFB directed Executive not to incur.  The
          reimbursement shall be made upon presentation to SFB by
          Executive, from time to time, of an account of such
          expenses in such form and in such detail as SFB may
          request.

               5.2   Fringe Benefits.  In addition to benefits
          specifically described herein, Executive shall be
          entitled to receive from Holding Company or SFB the
          fringe benefits generally available to employees and to
          full-time senior management employees of Holding Company
          or SFB occupying the same or a similar position as
          Executive, as such benefits may be changed from time to
          time.

               5.3   Disability Insurance.  Throughout the Term of
          this Agreement, SFB shall provide Executive with long
          term disability coverage of 60% of Executive's total Base
          Compensation from the previous year, which benefit begins
          no later than 90 days after the Disability occurs.

           Section 6 - Confidentiality and Covenant Not to Compete

               6.1  Covenant Not to Compete.  In consideration of
          the continued employment of Executive pursuant to this
          Agreement, Executive covenants and agrees that Executive
          shall not during the one-year period immediately
          following the termination of his employment under this
          Agreement, if (i) Holding Company or SFB terminates the
          employment and severance compensation is payable pursuant
          to Section 8.4, (ii) Holding Company or SFB terminates
          Executive's employment on account of Disability, or (iii)
          Executive voluntarily terminates employment by reason of
          retirement or otherwise:

                    (a)  without the prior written consent of
                         Holding Company or SFB, engage or become
                         interested in any capacity, directly or
                         indirectly (whether as proprietor,
                         principal stockholder, director, partner,
                         employee, trustee, beneficiary, or in any
                         other capacity) in any business selling,
                         providing or developing products or
                         services competitive with products or
                         services sold or maintained by Holding
                         Company or SFB within a 5-mile radius of
                         the Chicago Metropolitan Statistical Area;
                         or

                    (b)  recruit or solicit for employment any
                         current or future employee of Holding
                         Company or SFB or any of its respective
                         successors or any entities related to it.

               6.2  Confidential Information.  Executive
          acknowledges that all Secret or Confidential Information
          is the exclusive property of Holding Company or SFB, as
          the case may be.  Executive shall not during the period
          of his employment or at any time thereafter, disclose to
          any person, firm or corporation, or publish or use for
          any purpose, any Secret or Confidential Information
          except as properly required in the ordinary course of
          business of Holding Company or SFB or as directed and
          authorized thereby.  Upon the termination of his
          employment for any reason whatsoever, Executive shall
          return and deliver within 7 days any and all papers,
          books, records, documents, memoranda and manuals,
          including all copies thereof, belonging or relating to
          Holding Company or SFB, in Executive's possession,
          whether prepared by Executive or others.  If at any time
          after the termination of Executive's employment,
          Executive determines that he has any Secret or
          Confidential Information in his possession or control,
          Executive shall immediately return all such Secret or
          Confidential Information including all copies and
          portions thereof.

               6.3  Disclosure and Survival of Covenants.  If
          Executive, in the future, seeks or is offered employment
          by any other company, firm, or person, he shall provide a
          copy of this Agreement to the prospective employer prior
          to accepting employment with that prospective employer. 
          The provisions of Sections 6.1 and 6.2 shall survive any
          termination of this Agreement.

                           Section 7 - Termination

               7.1  Automatic Termination.  Employment under this
          Agreement shall terminate on the earliest of death of
          Executive, the determination by the Board of Holding
          Company or SFB of Executive's Disability.

               7.2  Involuntary Termination.

                    (a)  Termination by the Board.  The SFB Board
          may terminate this Agreement at any time by giving Notice
          of Termination in accordance with Section 7.4 below.

                    (b)  Termination or Suspension by the OTS.

                         (i)  If Executive is suspended and/or
          temporarily prohibited from performing his duties under
          this Agreement by a notice served under Section 8(e)(3)
          or (g)(1) of the Federal Deposit Insurance Act (12 U.S.C.
          1818(e)(3) and (g)(1)), obligations under this Agreement
          shall be suspended as of the date of service of such
          notice unless stayed by appropriate proceedings.  If the
          charges in the notice are dismissed, Holding Company or
          SFB may, in their discretion, (A) pay Executive all or
          part of the compensation withheld while obligations under
          this Agreement were suspended, and (B) reinstate (in
          whole or in part) any of its obligations which were
          suspended.

                         (ii) If Executive is removed and/or
          permanently prohibited from participating in the conduct
          of affairs of Holding Company or SFB by an order issued
          under Section 8(e)(4) or (g)(1) of the Federal Deposit
          Insurance Act (12 U.S.C. 1818(e)(4) or (g)(1)), all
          obligations under this Agreement shall terminate as of
          the effective date of the order, but vested rights of
          Executive shall not be affected.

                         (iii)     If SFB is in default (as defined
          in Section 3(x)(1) of the Federal Deposit Insurance Act),
          all obligations under this Agreement shall terminate as
          of the date of default, but vested rights of Executive
          shall not be affected.

                         (iv) All obligations under this Agreement
          shall terminate, except to the extent determined that
          continuation of the contract is necessary for the
          continued operation of SFB (A) by action of the Director
          of the OTS (the "Director") or his or her designee, at
          the time the Federal Deposit Insurance Corporation or the
          Resolution Trust Corporation enters into an agreement to
          provide assistance to or on behalf of SFB under the
          authority contained in Section 13(c) of the Federal
          Deposit Insurance Act; or (B)  by the Director or his or
          her designee, at the time the Director or his or her
          designee approves a supervisory merger to resolve
          problems related to operation of SFB or when SFB is
          determined by the Director to be in an unsafe or unsound
          condition.  Any rights of Executive that have already
          vested, however, shall not be affected by such action.

                         (v)  Any payments made to the Executive
          pursuant to this Agreement, or otherwise, are subject to
          and conditioned upon their compliance with Section 18(k)
          (12 USC SECTION 1828(k)) of the Federal Deposit Insurance Act
          as amended, and any regulations promulgated thereunder.

               7.3  Voluntary Termination.  Executive may terminate
          his employment for Good Reason by giving Notice of
          Termination in accordance with Section 7.4 below.

               7.4  Notice of Termination.  Any termination by
          Holding Company, SFB or Executive, pursuant to this
          Agreement, shall be communicated by written Notice of
          Termination to the other parties hereto.  Any purported
          termination which does not satisfy the requirements of
          this Section 7.4 shall not be effective for purposes of
          this Agreement.

                  Section 8 - Compensation Upon Termination

               8.1  Compensation Upon Death.  If Executive's
          employment is terminated because of the death of
          Executive, SFB shall pay Executive's executors or
          administrators:  a) within 30 days of Executive's death,
          the unpaid balance of Executive's Base Compensation
          through the end of the month in which Executive's death
          occurred, at 100% of the rate in effect on the date of
          Executive's death; and b) as soon as such Executive's
          bonus is calculated, an amount equal to Executive's Bonus
          Compensation for the current year (if any is determined
          to be payable) prorated based on the number of elapsed
          days during such year prior to Executive's death, and SFB
          shall have no further obligations under this Agreement.

               8.2  Compensation Upon Disability.  If Executive's
          active work ceases because of Disability (as hereinafter
          defined), SFB shall continue, as and when scheduled, to
          pay Executive Executive's Base Compensation through the
          date he ceased work, plus 90 days additional Base
          Compensation, at 100% of the rate in effect on the date
          Executive became Disabled (as hereinafter defined), and
          thereafter SFB shall have no further obligation for cash
          compensation under this Agreement unless and until
          Executive returns to work.  For purposes of this Section
          8.2, the term "Disability" shall have the meaning set
          forth in Section 1.4 without regard to the requirement
          that such condition continue for 90 consecutive days.

               8.3  Compensation Upon Termination for Cause.  If
          Executive's employment shall be terminated by SFB for
          Cause, SFB shall pay Executive his Base Compensation
          through the Date of Termination, and SFB shall not have
          any further obligations to Executive under this
          Agreement.

               8.4  Compensation Upon Termination Other Than For
          Cause.  If Executive's employment is terminated other
          than for Cause or Disability, then unless such
          termination occurs simultaneous with or within two years
          following a Change in Control, Executive shall be
          entitled to the compensation Executive would have been
          entitled to under this Agreement as and when payable
          hereunder for the remainder of the Term.

               8.5  Successors of SFB.  Holding Company or SFB will
          require any successor (whether direct or indirect, by
          purchase, merger, consolidation or otherwise) to all or
          substantially all of the business and/or assets of
          Holding Company or SFB, by agreement in form and
          substance satisfactory to Executive, expressly to assume
          and agree to perform this Agreement in the same manner
          and to the same extent that Holding Company or SFB would
          be required if no such succession had taken place. 
          Failure to obtain such agreement prior to the
          effectiveness of any such succession shall be a breach of
          this Agreement and shall entitle Executive to terminate
          this Agreement for Good Reason under paragraph 7.3 of
          this Agreement.  As used in this Agreement, "Holding
          Company" and "SFB" shall mean Holding Company or SFB as
          hereinbefore defined and any successor to its business
          and/or assets as aforesaid or which otherwise becomes
          bound by all the terms and provisions of this Agreement
          by operation of law.

                          Section 9 - Miscellaneous

               9.1  Notice.  Any notice or request required or
          permitted to be given under this Agreement shall be in
          writing and shall be deemed sufficiently given for all
          purposes if mailed by certified mail, postage prepaid and
          return receipt requested, addressed to the intended
          recipient at the following address (or at such other
          address as either party may designate in writing to the
          other party by certified mail as described above):

                    If to SFB:

                    Standard Federal Bank for savings
                    4192 South Archer Avenue
                    Chicago, Illinois 60632

                    If to Holding Company:

                    Standard Financial, Inc.
                    800 Burr Ridge Parkway
                    Burr Ridge, Illinois  60521-6486

          All notices to Holding Company or SFB shall be directed
          to the attention of the President with a copy to the
          Treasurer.

                    If to Executive:

                    Thomas M. Ryan
                                                                    
                    _______________________________________
                                                                    
                    _______________________________________

               9.2  Headings.  The headings used in this Agreement
          have been included solely for ease of reference and are
          not to be construed in any interpretation of this
          Agreement.

               9.3  Entire Agreement.  This instrument contains the
          entire agreement between the parties with respect to the
          subject matter hereof, and shall supersede all prior
          understanding with respect to the subject matter hereof. 
          No agreements or representations, oral or otherwise,
          express or implied, with respect to the subject matter
          hereof have been made by either party which are not set
          forth expressly in this Agreement.  No modification or
          addition to this Agreement shall be enforceable unless in
          writing and signed by the party against whom enforcement
          is sought.

               9.4  Governing Law.  This Agreement shall be
          governed by and construed in accordance with the laws of
          the State of Illinois.

               9.5  Arbitration.  Any dispute or controversy
          arising under or in connection with this Agreement shall
          be settled exclusively by arbitration, conducted before a
          panel of three arbitrators sitting in a home office
          selected by Executive within fifty (50) miles from the
          location of SFB, 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.

               In the event any dispute or controversy arising
          under or in connection with Executive's termination is
          resolved in favor of Executive, whether by judgment,
          arbitration or settlement, Executive shall be entitled to
          the payment of all back-pay, including salary, bonuses
          and any other cash compensation, fringe benefits and any
          compensation and benefits due Executive under this
          Agreement and all fees and expenses incurred in seeking
          to obtain or enforce the rights and benefits provided by
          this Agreement.

               9.6  Benefit.  This Agreement shall inure to the
          benefit of and shall be binding upon SFB, its successors
          and assigns, and this Agreement shall not be assignable
          by Executive.

               9.7  Remedies.  Executive acknowledges that the
          services to be rendered under this Agreement are special,
          unique and of extraordinary character.  If Executive
          breaches any covenants, terms or conditions of this
          Agreement to be performed by him, Holding Company and SFB
          will suffer irreparable damage and it will be impossible
          to estimate or determine damages.  Therefore, Holding
          Company and SFB shall, upon proof of such breach, be
          entitled as a matter of course to an injunction from any
          court of competent jurisdiction restraining any further
          violation of such covenants by Executive, his employers,
          employees, partners, agents or other associates, or any
          of them, such right to an injunction to be cumulative and
          in addition to any other remedies available, either in
          law or in equity.  In any proceeding to enforce any
          provision of this Agreement, Executive shall not assert
          any contention that there is an adequate remedy at law
          for the breach or default upon which such proceeding is
          based.  Nothing in this paragraph shall be construed to
          prevent such remedy in the courts, in the case of any
          breach of this agreement by Executive, as Holding Company
          or SFB may elect or invoke.

               9.8  Severability.  If any of the provisions of
          Section 6.1 of this Agreement are held to be
          unenforceable because of the scope, duration or area of
          applicability, the court making such determination shall
          have the power to modify such scope, duration or area of
          applicability or all of them, and such provision shall
          then be applicable in such modified form.  If any
          provision of this Agreement is held to be invalid,
          illegal or unenforceable in any respect, the validity and
          enforceability of all other applications of that
          provision and of all other provisions and applications
          hereof shall not in any way be affected or impaired.

               9.9  Waiver.  No provisions of this Agreement may be
          modified, waived or discharged unless such waiver,
          modification or discharge is agreed to in writing and
          signed by Executive and such officer as may be
          specifically designated by the Board of Directors of SFB. 
          The failure of SFB or Executive at any time or times to
          enforce its rights under the Agreement strictly in
          accordance with the same shall not be construed as having
          created a custom in any way or manner contrary to the
          specific provisions of this Agreement or as having in any
          way or manner modified or waived the same.  No waiver by
          either party hereto at any time of any breach by the
          other party hereto of, or compliance with, any condition
          or provision of this Agreement to be performed by such
          other party shall be deemed a waiver of similar or
          dissimilar provisions or conditions at the same or any
          prior or subsequent time.

               9.10 Counterparts.  This Agreement may be executed
          in one or more counterparts, each of which shall be
          deemed to be an original but all of which together will
          constitute one and the same instrument.

               9.11 Holding Company Action.  Notwithstanding
          anything contained herein to the contrary, any action
          permitted or required to be taken by SFB may instead, at
          Holding Company's option, be taken or withheld by Holding
          Company, and furthermore, any such action taken or
          withheld by Holding Company shall in each particular case
          be deemed to constitute action taken by or withheld by
          SFB and shall further be deemed to preempt any
          inconsistent action taken or withheld by SFB in such
          case.

                        (signatures on following page]


               IN WITNESS WHEREOF, the parties hereto have executed
          this Agreement, as of the day and year first above
          written.

                                   STANDARD FEDERAL BANK FOR SAVINGS

                                   By: _____________________________
                                   Title:___________________________

                                   STANDARD FINANCIAL, INC.

                                   By: _____________________________
                                   Title: __________________________

                                   THOMAS M. RYAN

                                   By:______________________________
                                   Title:___________________________