Exhibit 10.9

# BANK SERVICING
AGREEMENT

THIS
AGREEMENT, made this 29th day of April, 2005, by and between CLARKSTON FINANCIAL
CORPORATION, a Michigan Corporation, hereinafter referred to as CLARKSTON, and
HURON VALLEY STATE BANK, a Michigan Banking Corporation, hereinafter referred to as
BANK.

BANK
desires to enter into an agreement with CLARKSTON to provide certain data processing and
other support functions relating to general banking services and CLARKSTON is willing to
do so based on the following terms and conditions,

NOW,
THEREFORE, CLARKSTON and BANK agree as follows:

# EFFECTIVE DATE AND
TERM OF AGREEMENT

This
agreement shall be effective upon signing by CLARKSTON and BANK. The initial term of this
agreement shall be for a period of five (5) years from the effective date, subject to
earlier termination and/or renewal as provided in this agreement.

# PROVIDER BANK AND
RECIPIENT BANK

CLARKSTON
shall be the provider bank for BANK as recipient bank of the banking services described in
this agreement.

# RIGHTS, POWERS, AND
PRIVILEGES

Each
party shall have all rights, powers, and privileges reasonably necessary to perform the
required services and shall be authorized to act as agent for, and on behalf of, the other
party provided said actions are performed within the scope of the authority conferred by
the terms hereof. BANK shall have no liability for acts performed by CLARKSTON, which are
outside of the authority granted by the terms hereof.

# SERVICES TO BE PROVIDED

CLARKSTON
agrees to provide such data processing, and other support services, listed on the attached
Exhibit A, and such other functions and services for BANK as may be added to
Exhibit A from time to time, by written amendment, hereinafter referred to as
SERVICES. Such SERVICES as listed on Exhibit A are by way of
illustration and example, and not by way of limitation in accordance with the terms of
this agreement. Additional SERVICES as shall be requested and/or reasonably necessary in
the providing of general banking and support functions, upon mutual agreement, shall not
be unreasonably withheld, except such SERVICES as may be specifically excluded by the
terms of this agreement.

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# ADDITIONAL SPECIAL
SERVICES

CLARKSTON
agrees to provide BANK with such other additional special SERVICES that may not be set
forth in Exhibit A as may be, by mutual consent, requested from time to time. Any
such SERVICES shall be provided and governed by this agreement by way of reference. Such
SERVICES may include, but are not limited to:

| | 1. | Night
depository services, land contract, lease accounting, or other customer
                    collection Services;
| | -- | ----------------------------------------------------------------------------------------------------------------------

| | 2. | Bankcard
customer payment receipts, bankcard cash                     advance, correspondent bank
services;
| | -- | -----------------------------------------------------------------------------------------------------------

| | 3. | Electronic
fund transfer, automated                     teller machine, wire transfer, and related
networking services, and;
| | -- | ----------------------------------------------------------------------------------------------------------------------------

| | 4. | Technical
support and advisory services.
| | -- | ----------------------------------------

# EXCEPTED SERVICES

Notwithstanding
anything to the contrary contained in the terms of this agreement, CLARKSTON shall not be
authorized on behalf of BANK to provide any of the following services, which shall be
specifically excluded from this agreement:

| | 1. | Loan
approval;
| | -- | --------------

| | 2. | Certification
of checks;
| | -- | ------------------------

| | 3. | Trust
services;
| | -- | ---------------

| | 4. | Administrative and/or discretionary management decisions affecting products
               and/or bank services, including but not necessarily limited to the waiver of
               customer charges or fees, product pricing changes, alteration of customer
               contract, or loan terms, without specific authorization from BANK.
| | -- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

# CONSIDERATION

BANK
agrees to pay CLARKSTON for SERVICES performed in accordance with the schedule set forth
on Exhibit B. Billing for such SERVICES will be rendered on or about the beginning
of each month for SERVICES performed during the preceding month. CLARKSTON and BANK agree
that charges for such SERVICES may be changed from time to time; however, CLARKSTON agrees
to notify BANK of any such changes not less than sixty (60) days prior to implementing
such changes.

# SUPPLIES FORMS AND
EQUIPMENT

BANK
will provide all input, output, balance control, and other forms necessary for CLARKSTON
to perform SERVICES. CLARKSTON reserves the right to direct the relevant vendor to bill
BANK directly for the purchase price, and related cost of such forms and other documents
necessary to meet the specifications for such supplies and forms as required by CLARKSTON.
BANK may request supplies from alternate, acceptable vendors, provided all forms to be
used by CLARKSTON must be submitted to CLARKSTON in advance. CLARKSTON agrees to consider
all reasonable requests for variations to such forms and specifications.

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BANK
will pay all costs of telephone, communication line, data sets, modems, terminals, and
other equipment necessary, including installation and maintenance costs for any on-line
SERVICES provided by CLARKSTON. However, such costs may be prorated where such SERVICES
are provided for the mutual benefit of BANK and CLARKSTON.

# DELIVERY

BANK
will be responsible for timely delivery, in accordance with customary practices of BANK
and CLARKSTON, of all input and output data to the facilities designated by CLARKSTON
necessary to providing the SERVICES. CLARKSTON and BANK may provide to, and on behalf of,
each other such transportation SERVICES as are necessary for the timely receipt,
processing, and handling of such data.

# COMPLIANCE

CLARKSTON
agrees to utilize its best efforts in performing such SERVICES to assure compliance with
applicable federal and state law and/or regulations. BANK agrees to indemnify and hold
harmless CLARKSTON from all liability, damages, actions, penalties, fees, or other costs
arising from, or in conjunction with, the SERVICES performed. BANK agrees to promptly
notify CLARKSTON of any suspected violations, irregularities, practice, or procedure that
may be in violation of, or not in compliance with law or regulation. CLARKSTON agrees to
take all reasonable steps to promptly remedy any such violation.

# PROCEDURES AND
OPERATING PRACTICES

BANK
agrees to implement and adhere to procedures and operating rules established by CLARKSTON
as required for the timely and correct processing of SERVICES provided hereunder, and any
technical or format specifications or restrictions required by CLARKSTON for the
submission, processing, or handling of data, information, or forms from BANK. CLARKSTON
agrees that such policies and procedures shall be limited to the requirements of providing
the SERVICES specified hereunder, and shall not otherwise interfere with BANKs
management or administrative policies, procedures, or practices.

# UPGRADES and
ENHANCEMENTS

CLARKSTON
reserves the sole right to revise, upgrade, enhance, and/or implement equipment, software,
or other technologies related to the SERVICES provided hereunder.

# CONFIDENTIALITY AND
SECURITY OF RECORDS AND INFORMATION

CLARKSTON
and BANK shall establish and follow procedures designed to maintain and protect the
confidentiality of BANKs proprietary and managerial information gained by CLARKSTON
in the performance of SERVICES hereunder. Each party shall establish and maintain proper
procedures to afford an adequate level of security and protection from misuse, loss,
and/or theft of all documents, materials, and/or other information in whatsoever form
utilized, which has been acquired and/or accessed by the other party in the performance of
this agreement.

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# CONFIDENTIALITY OF
CONSUMER INFORMATION

CLARKSTON
agrees to use any and all information provided by BANK only to perform the specific
services for which the information was disclosed. CLARKSTON shall not disclose any
information provided to it by BANK other than to employees that have a specific need to
know the information in order to perform the services for which the information was
disclosed and to other parties as allowed by law. CLARKSTON shall be responsible for any
and all unlawful disclosures of such information, including unlawful disclosures made by
its employees.

CLARKSTON
represents that it is aware that this provision is required under § 502(b)(2) of the
Gramm-Leach-Bliley Act and the regulations promulgated thereunder, and further represents
that it is aware of the restrictions of such provisions and agrees to comply with such
restrictions.

Upon
BANKs request, CLARKSTON shall provide BANK with copies of any and all written
policies of CLARKSTON regarding its policies, procedures, and practices for safeguarding
the security of consumer information.

A
breach of this section shall be considered a material breach of the Agreement.

# AUDIT AND ACCESS TO
RECORDS

CLARKSTON
agrees to make BANKs data, records, or other information available for examination
by authorized officers or agents of BANK during regular business hours. CLARKSTON shall
not disclose any of BANKs data, except as required by law, court order, rule,
regulation, or regulatory examination, or as required for reporting to other outside
agencies in the normal course of business. CLARKSTON shall provide access to the necessary
books and records of BANK as such shall be requested to assure compliance with established
internal and or external audit and control procedures.

# MICROFILMING AND
RECONSTRUCTION

CLARKSTON
agrees to take all reasonable steps to assure a permanent record of transactions, and to
act in good faith and exercise ordinary and prudent care and caution in the handling of
such documents and transactions. BANK will bear all risk of loss and expense of
reconstruction of such data, except for any losses actually caused by CLARKSTONs
negligence occurring while such data was in CLARKSTONs possession at a site for
processing.

# MALFUNCTION

BANK
agrees to waive any claim against CLARKSTON for any losses, direct or indirect, and any
consequential damages arising from any malfunction of processing equipment due to acts of
God, natural disasters, power failures, or equipment malfunction, causing the processing
of SERVICES to BANK to be delayed. CLARKSTON warrants that it will take all reasonable
steps to avoid such interruptions, and make every reasonable attempt to restore SERVICES
as quickly as possible following any such interruptions.

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# REVIEW

BANK
agrees to review reasonably and promptly upon receipt all reports, balance control totals,
and other information provided by CLARKSTON. Balancing and control, and other SERVICES
performed by CLARKSTON shall be subject to the same timeliness and review. CLARKSTON
agrees to notify BANK promptly upon the discovery of any error or out of balance control
which would adversely affect BANK. BANK agrees to notify CLARKSTON promptly upon discovery
of any error or out of balance control total.

# CORRECTIONS

CLARKSTON
agrees to promptly correct any errors made by CLARKSTON in the processing of any
BANKs data, including the rebuilding of any data files damaged or destroyed due to
CLARKSTONs error. Any such corrections or rebuilding will be without charge to BANK,
unless caused by the nature or lack of timeliness of data submitted by BANK, in which case
BANK will pay CLARKSTON its reasonable expenses and charges.

# INSURANCE COVERAGE

BANK
agrees to obtain such insurance and bond policies as necessary to cover any losses or
damages with respect to CLARKSTONs handling, transporting, or processing of
BANKs property or data.

# PLACE OF PERFORMANCE

The
SERVICES provided hereunder shall be performed by CLARKSTON at CLARKSTONs primary
location at 15 South Main Street, Clarkston, Michigan 48346 and/or other locations as
determined by mutual agreement.

# INDEMNIFICATION

Each
party shall indemnify and hold the other party harmless for any and all loss or liability
arising from any claim or loss, which was caused and/or occasioned by said parties
negligence, improper action, or ultra vires acts.

Notwithstanding
anything to the contrary hereinabove contained, neither party shall be required to
indemnify and hold the other party harmless for claims asserted, provided that said party
has acted in good faith and has exercised ordinary and prudent care and caution in the
handling, transacting, and/or processing of a SERVICE or SERVICES to be provided to the
other party.

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# TERMINATION

This
agreement may be terminated by either party by mutual agreement, or by one party upon not
less than sixty (60) days prior written notice to the other party; provided, however, that
any termination shall provide reasonable time for the parties hereto to make an orderly
transition of such SERVICES to another provider. In the event of such termination by BANK,
it will pay CLARKSTON a termination fee in accordance with Exhibit C.

# EXTENSION OR AMENDMENT
OF AGREEMENT

This
agreement may be renewed, extended, and/or amended upon the subsequent mutual agreement of
the parties hereto. Such extensions or amendments shall be in written form and
incorporated by way of reference to this agreement.

# GOVERNING LAW

This
agreement shall be governed and interpreted under the internal laws of the State of
Michigan.

# SEVERABILITY

If
any term, condition, or provision hereof shall be subsequently determined to be void,
invalid, and/or unenforceable, such void, invalid, or unenforceable provision shall be
severed and deleted herefrom. However, all other terms and conditions not affected thereby
shall remain in full force and affect.

# BINDING EFFECT

This
agreement shall be binding upon the parties and their agents, successors, and assigns.

IN
WITNESS WHEREOF, the parties have executed this agreement by their duly authorized
officers the day and year first above written.

|CLARKSTON FINANCIAL CORPORATIONBy:      /s/  James W. Distelrath      
Its:     Vice President - Comptroller       |  | HURON VALLEY STATE BANKBy:      /s/  David H. Blossey      
Its:     President and CEO      
|---------------------------------------------------------------------------------------------------------------------------------------------- |  | ------------------------------------------------------------------------------------------------------------------------

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# SERVICES PROVIDED

# EXHIBIT A

# INFORMATION SYSTEMS

|Item Processing
|---------------
|               

|Account Processing
|------------------
|                  

|Special Services
|----------------
|                

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# SERVICING COSTS AND
CHARGES

# EXHIBIT B

Computer ProcessingData Processing costs will be charged
to each bank based on the number of items processed each month per bank as a percentage of
total items processed.

ProofProof costs will be charged to each
bank based on the number of items processed each month per bank as a percentage of total
items processed. Additional charges will be added for corrections.

Human Resources Personnel costs will be charged to
each bank based on the number of employees on the payroll register of each bank as a
percentage of total employees.

Support Services
AccountingOperations AdministrationAudit [Internal/External]

The above services will be charged to
each bank as a percentage of the actual monthly costs of these departments. Employees of
these departments will do a time study at least annually. The time actually spent for each
bank will determine the percentage of costs charged to that bank.

[Initially, we expect these costs to
be approximate $10,000].

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