Exhibit 10(f)

                        AMENDMENT TO EMPLOYMENT AGREEMENT

        This is an Amendment to a certain Employment Agreement (the "Agreement")
dated October 22, 1997,  between  Cornerstone  Bank (the "Bank"),  and Robert P.
Brezing (the "Employee").

        By  agreement  between the parties and by the  authority of the Board of
Directors  of the Bank,  Section  2.(a) of the  Agreement  is hereby  amended to
increase the Employee's base salary from $107,000 per year to $113,000 per year,
effective October 22, 1998.

        By further  agreement  between the parties and by the  authority  of the
Board of Directors, the term of the Agreement as originally set forth in Section
4 thereof is extended  for an  additional  two (2) year period from  October 22,
1999 to October 22, 2001.

        By further  agreement  between the parties and by the  authority  of the
Board of  Directors,  the language of Section  8.(a) of the  Agreement is hereby
amended to read as follows:

               "(a)  Involuntary  Termination.  If the Employee's  employment is
               involuntarily terminated (other than for cause or pursuant to any
               of Sections 6(c) through 6(g) or Section 7 of this  Agreement) in
               connection  with or within 12  months  after a change in  control
               which occurs at any time during the term of employment under this
               Agreement,  the Bank shall pay to the  Employee  in a lump sum in
               cash within 25 business  days after the Date of  Termination  (as
               hereinafter defined) of employment an amount equal to the greater
               of two (2) years' salary under Section 2(a) of this Agreement, or
               his  then  applicable  salary  for  the  remaining  term  of this
               Agreement.

                      For  purposes  of  this  paragraph  8(a),  an  involuntary
               termination  shall, at the Employee's option, be deemed to be (i)
               a reduction in the Employee's  then-applicable  salary, or (ii) a
               diminution of the Employee's duties,  which shall be defined as a
               material reduction or adverse change in the salary,  perquisites,
               benefits,   contingent  benefits,  or  vacation  time  which  had
               previously been provided to the Employee, or a material reduction
               or adverse  change in the  Employee's  previous  position  or job
               description,  or (iii) a relocation of the Employee to a new work
               location  more than  sixty  (60)  miles  from his  previous  work
               location."




<PAGE>



        The remaining terms and conditions of the Agreement shall remain in full
force and effect,  provided,  however, that in the event of any inconsistency or
conflict  between the terms of the  Agreement and this  Amendment,  the terms of
this Amendment shall be controlling.

        Signed at Springfield, Ohio, this 26th day of January, 1999.




                                          CORNERSTONE BANK


                                          By: /s/ John W. Raisbeck
                                          ------------------------------------
                                          John W. Raisbeck
                                          President and Chief Executive Officer



                                          EMPLOYEE


                                          /s/ Robert P. Brezing
                                          ------------------------------------
                                          Robert P. Brezing


<PAGE>


                              EMPLOYMENT AGREEMENT


        This Employment  Agreement  ("Agreement") is entered into as of the 22nd
day of October,  1997,  by and between  CORNERSTONE  BANK,  28 East Main Street,
Springfield,  Ohio 45502 (the "Bank"),  and ROBERT P. BREZING,  6005 Springburn,
Dublin, Ohio 43017 (the "Employee").

        WHEREAS,  it is  intended  that the  Employee  will serve as Senior Vice
President of the Bank; and

        WHEREAS,  the Board of Directors of the Bank (the  "Board") has approved
and  authorized the execution of this Agreement with the Employee to take effect
as stated in Section 4 hereof;

        NOW, THEREFORE,  in consideration of the foregoing and of the respective
covenants  and  agreements  of the  parties  herein  contained,  it is AGREED as
follows:

        1.  Employment.  The  Bank  employs  the  Employee  as its  Senior  Vice
President.  Employee shall render  administrative and management services as are
customarily performed by persons situated in similar executive  capacities,  and
shall have other powers and duties as may from time to time be prescribed by the
Board.  The Employee  shall devote his best  efforts and  substantially  all his
business  time and  attention  to the  business  and affairs of the Bank and its
affiliated  companies,  including,  but not limited  to,  service as Senior Vice
President of Western Ohio Financial Corporation (the "Holding Company").

        2.     Compensation.

               (a) Salary.  Beginning  on the  Commencement  Date (as defined in
Section 4 below),  the Bank agrees to pay the  Employee  during the term of this
Agreement a salary of $107,000 per year. The Employee's  salary shall be payable
not less  frequently than monthly and not later than the tenth day following the
expiration of the month in question.

               (b)  Performance  Bonuses.  The  Employee  shall be  entitled  to
participate with other executive officers of the Bank in performance  bonuses as
authorized and declared by the Board to its executive employees.

               (c) Expenses.  The Employee  shall be entitled to receive  prompt
reimbursement  for all reasonable  expenses  incurred by him (in accordance with
the policies and procedures  applicable to the senior executive  officers of the
Bank) in performing  services  hereunder,  provided  that the Employee  properly
accounts therefor in accordance with Bank policy.



<PAGE>



        3.     Benefits.

               (a)  Participation  in Retirement and Employee Benefit Plans. The
Employee  shall be entitled  while  employed  hereunder to  participate  in, and
receive benefits under, all plans relating to pension,  thrift,  profit-sharing,
group life  insurance,  medical  coverage,  education,  cash bonuses,  and other
retirement or employee benefits or combinations thereof, that are maintained for
the benefit of the Bank's executive employees or for its employees generally.

               (b)  Fringe  Benefits.  The  Employee  shall  be  eligible  while
employed  hereunder to participate  in, and receive  benefits  under,  any other
fringe benefit plans which are or may become  applicable to the Bank's executive
employees or to its employees generally.

        4. Term. The term of employment  under this Agreement  shall be a period
of two years commencing as of the date hereof (the "Commencement Date"), subject
to earlier termination as provided herein.

        5.  Vacations.  The Employee shall be entitled to an annual  vacation in
accordance  with  policy set by the  Board.  The  timing of  vacations  shall be
scheduled in a reasonable manner by the Employee.

        6.     Termination of Employment; Death.

               (a) The Board may  terminate  the  Employee's  employment  at any
time, but any termination by the Board other than  termination for cause,  shall
not prejudice the Employee's  right to compensation or other benefits under this
Agreement.  The Employee  shall have no right to receive  compensation  or other
benefits for any period after  termination  for cause.  If the employment of the
Employee is involuntarily terminated, other than for "cause" as provided in this
Section 6(a) or pursuant to any of Sections  6(d) through  6(g), or by reason of
death or  disability  as provided in Sections  6(c) or 7, the Employee  shall be
entitled to (i) his then applicable  salary for the  then-remaining  term of the
Agreement as  calculated in  accordance  with Section 4 hereof,  payable in such
manner and at such times as such salary  would have been payable to the Employee
under  Section 2 had he  remained  in the  employ of the Bank,  (ii) and  health
insurance  benefits  as  maintained  by the Bank for the  benefit  of its senior
executive  employees or its employees  generally over the then-remaining term of
the Agreement as calculated in accordance with Section 4 hereof.

        The terms "termination" or "involuntarily  terminated" in this Agreement
shall refer to the termination of the employment of Employee without his express
written consent.

        In case of termination of the Employee's  employment for cause, the Bank
shall pay the Employee his salary through the date of termination,  and the Bank
shall have no further  obligation  to the  Employee  under this  Agreement.  For
purposes of this Agreement,  termination  for "cause" shall include  termination
for personal dishonesty,  incompetence,  willful misconduct, breach of fiduciary
duty involving  personal profit,  intentional  failure to perform stated duties,
willful violation of any law, rule, or regulation (other than traffic violations
or similar offenses) or final cease-and-desist  order, or material breach of any
provision of this Agreement.



<PAGE>



               (b) The Employee's  employment  may be voluntarily  terminated by
the Employee at any time upon 90 days'  written  notice to the Bank or upon such
shorter period as may be agreed upon between the Employee and the Board.  In the
event of such voluntary termination,  the Bank shall be obligated to continue to
pay the Employee his salary and benefits  only through the date of  termination,
at the time such payments are due, and the Bank shall have no further obligation
to the Employee under this Agreement.

               (c) In the event of the death of the Employee  during the term of
employment  under this  Agreement and prior to any  termination  hereunder,  the
Employee's estate, or such person as the Employee may have previously designated
in  writing,  shall be  entitled  to  receive  from the Bank the  salary  of the
Employee  through  the last day of the  calendar  month in which his death shall
have occurred, and the term of employment under this Agreement shall end on such
last day of the month.

               (d) If the Employee is suspended  and/or  temporarily  prohibited
from participating in the conduct of the Bank's affairs by a notice served under
Section  8(e)(3) or (g)(1) of the Federal  Deposit  Insurance Act  ("FDIA"),  12
U.S.C. (0) 1818(e)(3) and (g)(1),  the Bank's  obligations  under this Agreement
shall be  suspended  as of the date of  service,  unless  stayed by  appropriate
proceedings.  If the charges in the notice are  dismissed,  the Bank may, in its
discretion,  (i) pay the Employee all or part of the compensation withheld while
its obligations  under this Agreement were suspended and (ii) reinstate in whole
or in part any of its obligations which were suspended.

               (e) If the Employee is removed and/or permanently prohibited from
participating  in the  conduct of the Bank's  affairs by an order  issued  under
Section 8(e)(4) or (g)(1) of the FDIA, 12 U.S.C. (0) 1818(e)(4) and (g)(1),  all
obligations of the Bank under this Agreement shall terminate as of the effective
date of the order,  but vested  rights of the  contracting  parties shall not be
affected.

               (f) If the Bank is in default (as  defined in Section  3(x)(1) of
the FDIA),  all obligations  under this Agreement shall terminate as of the date
of  default,  but this  provision  shall not  affect  any  vested  rights of the
contracting parties.

               (g) All  obligations  under this  Agreement  shall be terminated,
except to the extent determined that continuation of this Agreement is necessary
for the  continued  operation of the Bank:  (i) by the Director of the Office of
Thrift  Supervision  (the  "Director")  or his or her designee,  at the time the
Federal  Deposit  Insurance   Corporation   ("FDIC")  or  the  Resolution  Trust
Corporation  ("RTC")  enters into an  agreement to provide  assistance  to or on
behalf of the Bank under the  authority  contained in Section 13(c) of the FDIA;
or (ii) 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 the Bank or when the Bank is determined by the Director to be in an
unsafe or unsound condition. Any rights of the parties that have already vested,
however, shall not be affected by any such action.

        7.  Disability.  If the Employee shall become disabled as defined in the
Bank's then current disability plan or if the Employee shall be otherwise unable
to serve as Senior Vice  President,  the  Employee  shall be entitled to receive
group and other disability income benefits of the type then provided by the Bank
for other executive employees.


<PAGE>



        8.     Change in Control.

               (a)  Involuntary  Termination.  If the  Employee's  employment is
involuntarily  terminated  (other  than for cause or pursuant to any of Sections
6(c) through 6(g) or Section 7 of this  Agreement) in connection  with or within
12 months after a change in control  which occurs at any time during the term of
employment  under this  Agreement,  the Bank shall pay to the Employee in a lump
sum in  cash  within  25  business  days  after  the  Date  of  Termination  (as
hereinafter  defined) of  employment  an amount  equal to the greater of one (1)
year's  salary under  Section  2(a) of this  Agreement,  or his then  applicable
salary for the remaining term of this Agreement.

               (b)  Definitions.  For  purposes  of  Sections  6 and  8 of  this
Agreement,  "Date of  Termination"  means the earlier of (i) the date upon which
the Bank gives notice to the Employee of the  termination of his employment with
the Bank or (ii) the date upon which the Employee ceases to serve as an Employee
of the Bank,  and "change in control" is defined  solely as any  acquisition  of
control, as defined in 12 C.F.R. (0) 574.4, or any successor regulation,  of the
Bank which would require the filing of an application for acquisition of control
or notice of change in control in a manner as set forth in 12 C.F.R.  (0) 574.3,
or any successor regulation.

        9.  Miscellaneous.  This Agreement  shall inure to the benefit of and be
enforceable   by   the   personal   and   legal   representatives,    executors,
administrators,  successors, assigns, heirs, distributees, devisees and legatees
of the parties.

        10. Notice.  For the purposes of this  Agreement,  notices and all other
communications  provided for in the  Agreement  shall be in writing and shall be
deemed to have been duly given when  personally  delivered  or sent by certified
mail, return receipt requested,  postage prepaid.  All notices to the Bank shall
be sent to its home office,  directed to the attention of the Board of Directors
of the Bank,  with a copy to the  Secretary  of the  Bank.  All  notices  to the
Employee  shall  be sent to the  home or  other  address  he has  most  recently
provided in writing to the Bank.

        11.  Amendments.  This  Agreement  is  subject  to the terms of a letter
agreement  between the parties dated  September 15, 1997,  reference to which is
hereby made.  Otherwise,  no amendments or additions to this Agreement  shall be
binding unless in writing and signed by both parties, except as herein otherwise
provided.  The parties  hereto agree to amend this  Agreement to comply with any
required provisions of 12 C.F.R. (0) 563.39(b), as the same may be amended.

        12. Paragraph  Headings.  The paragraph  headings used in this Agreement
are  included  solely  for  convenience  and  shall  not  affect,  or be used in
connection with, the interpretation of this Agreement.

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

        14.  Governing Law. This Agreement  shall be governed by the laws of the
United States to the extent applicable and otherwise by the laws of the State of
Ohio.



<PAGE>


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


                                          CORNERSTONE BANK

                                          By:/s/ John W. Raisbeck 
                                          ------------------------------------
                                          John W. Raisbeck, President


                                          EMPLOYEE

                                          /s/ Robert P. Brezing 
                                          ------------------------------------
                                          Robert P. Brezing