EXHIBIT 10.4

EXECUTIVE INCENTIVE PLAN

2009



|               |  |                                 
|-------------- |  | --------------------------------
|Eligibility:   |  | Executive Team Members          
|Plan Features: |  | 100% Holding Company Performance

Total incentive bonus at target is 25% of Base Pay with a maximum of 35%.

Holding Company Income[pre-provision](35%)

For the nine months ending 12/31/09



|                |  |                      
|--------------- |  | ---------------------
|Goal $6,650,000 |  | Bonus % (of base pay)
|<100%           |  | 0%                   
|>100%           |  | 8.75%                
|>110%           |  | 12.25%               



| |  |  | Holding company income pre-provision net of tax ($5,000,000 + 1,650,000 = $6,650,000)  related to growth, not as a result of higher charge-offs
| | - |  | ------------------------------------------------------------------------------------------------------------------------------------------------



| |  |  | Adjusted for non-recurring expenses and gains (i.e. gains/losses on securities, merger expense, etc.)
| | - |  | -----------------------------------------------------------------------------------------------------

Asset Quality (20%)



|                                                 |  |                      
|------------------------------------------------ |  | ---------------------
|Non-Performing Assets/Total Assets (at 12/31/09) |  | Bonus % (of base pay)
|> 150 bp                                         |  | 0%                   
|149 bp  101 bp                                  |  | 5.00%                
|< 100 bp                                         |  | 7.00%                

Asset Quality (15%)



|                                                                |  |                      
|--------------------------------------------------------------- |  | ---------------------
|Charge offs/Average Loans (9 months ending 12/31/09 annualized) |  | Bonus % (of base pay)
|>60 bp                                                          |  | 0%                   
|30 bp  60 bp                                                   |  | 3.75%                
|<30 bp                                                          |  | 5.25%                

Holding Company Stock Performance and Capital (30%)



|                     |  |                      
|-------------------- |  | ---------------------
|                     |  | Bonus % (of base pay)
|Below Expectations   |  | 0%                   
|Meets Expectations   |  | 7.50%                
|Exceeds Expectations |  | 10.50%               



| |  |  | Stock trading multiple(Price/Tangible Book Value) versus Peer
| | - |  | -------------------------------------------------------------



| |  |  | Improvement in average volume traded
| | - |  | ------------------------------------



| |  |  | Increase institutional ownership to >10%
| | - |  | ----------------------------------------



| |  |  | Successful sub-debt raise
| | - |  | -------------------------



| |  |  | Identifying favorable merger opportunities
| | - |  | ------------------------------------------

Qualifiers:



| |  |  | Must achieve satisfactory rating on all regulatory, external and internal audits.
| | - |  | ---------------------------------------------------------------------------------



| |  |  | Employee must be employed on the date of payout.
| | - |  | ------------------------------------------------



| |  |  | Employee must achieve a rating of Good (3) or higher performance level.
| | - |  | -------------------------------------------------------------------------

*This plan may be altered, modified, or terminated at any time and without notice.