EXHIBIT 10(l)


                              SEVENTH AMENDMENT TO
                     EXECUTIVE SALARY CONTINUATION AGREEMENT


            THIS AMENDMENT is made and entered into as of the 9th day of March,
2000, as an amendment to the Executive Salary Continuation Agreement dated June
5, 1986, (hereinafter called the "Agreement"), by and between NATIONAL CITY BANK
OF MINNEAPOLIS (hereinafter called the "Bank"), and David L. Andreas
(hereinafter called the "Executive"); and this Amendment supersedes the Sixth
Amendment to such Agreement, dated August 2, 1999.

            WHEREAS, the Executive remains in the employ of the Bank; and both
the Bank and the Executive desire to amend the Agreement; and

            WHEREAS, the Bank wishes (1) to remove the limitation on payment of
benefits under the Agreement so that the benefit under the Agreement will no
longer take into account the benefit provided under the Bank's cash balance
pension plan; and (2) to provide that the benefit under the Agreement will be
determined under a formula rather than stated as a fixed dollar amount;

            NOW, THEREFORE, in consideration of the services to be performed by
the Executive in the future, as well as the mutual promises herein contained,
the parties hereto agree to amend the Agreement as follows:

            1. Paragraph 1.1 of Article I (entitled "NORMAL RETIREMENT OR
DISABILITY") is hereby amended to read as follows:

                        1.1) Amount and Terms of Payment. For purposes of this
            Paragraph 1.1, the term "normal retirement date" shall mean the date
            on which the Executive attains sixty-five (65); the term "disability
            retirement date" shall mean the date on which the Executive
            terminates employment with the Bank due to his disability (as
            defined in Paragraph 1.4); and "base salary" shall include any base
            salary paid by the Bank, any of its subsidiaries and its parent
            company. In consideration of the Executive's remaining employed by
            the Bank until his normal retirement date or, if earlier, his
            disability retirement date (the "applicable date"), the Bank agrees
            that from and after the Executive's normal retirement date, subject
            to the following sentence of this Paragraph 1.1, the Bank shall
            thereafter pay to the Executive an annual amount equal to 50% (fifty
            percent) of the Executive's base salary as of the December 31st
            coinciding with or immediately preceding the applicable date, for a
            period of fifteen (15) years from and after the Executive's normal
            retirement date, payable in equal monthly installments commencing
            with the first day of the first month following the Executive's
            normal retirement date. However, if the Executive remains employed
            by the Bank after his normal retirement date, payment of the annual
            dollar amount that would have been payable upon his retirement at
            his normal retirement date shall be deferred, shall commence with
            the first day of the first month following the date of his actual
            retirement from the active service of the Bank (without any
            adjustment for that delay or any change in his base salary after the
            December 31st coinciding with or immediately preceding his normal
            retirement date) and shall be payable in the same manner and for the
            same period of time as provided

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            in the preceding sentence.

            2. Paragraph 1.2 (entitled "Continuation of Payment to Beneficiary")
of Article I is hereby amended by deleting the phrase "the sum of one-hundred
thirty-five thousand eight hundred twenty-eight dollars ($135,828) per annum"
and inserting in its place the phrase "the annual payment amount described in
Paragraph 1.1."

            3. Paragraph 1.3 of Article I is hereby amended to read as follows:

            1.3) Limitation on Payment. Effective July 1, 1999, there is no
            limitation on the annual payment amount specified in Paragraph 1.1.

            4. Paragraph 2.4 of Article II (entitled "EARLY RETIREMENT") is
hereby amended to read as follows:

            2.4) Limitation on Payment. Effective July 1, 1999, there is no
            limitation on the annual accrued benefit payment amount (whether
            determined from Column I or Column II of Schedule A or as it might
            otherwise be adjusted pursuant to Paragraph 2.2).

            5. Paragraph 3.1 (entitled "Amount and Terms of Payment") of Article
III (entitled "DEATH BENEFIT") is hereby amended by deleting the phrase "the sum
of one-hundred thirty-five thousand eight hundred twenty-eight dollars
($135,828) per annum" and inserting in its place the phrase "an annual amount
equal to 50% (fifty percent) of the Executive's base salary (as described in
Paragraph 1.1) as of the December 31 immediately preceding the earlier of (a)
the date of death of the Executive while in the employ of the Bank or (b) the
date of the termination of service with the Bank by the Executive due to
disability (as hereinafter defined),".

            6. Schedule A of the Agreement is hereby deleted in its entirety and
replaced by the attached Amended Schedule A, dated as of the date hereof.

            7. All of terms and conditions of the Agreement remain unchanged and
are hereby affirmed by the Bank and the Executive.

                            [SIGNATURE PAGE FOLLOWS]

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            IN WITNESS WHEREOF, the parties hereto have executed this Amendment
to the Agreement as of the date first above written.

                              NATIONAL CITY BANK OF MINNEAPOLIS


                              By    /s/  David C. Malmberg
                                ------------------------------------------------
                                      As its: Chairman of the Board
ATTEST:

   /s/  Thomas J. Freed         "BANK"
--------------------------------
            Secretary

                                    /s/  David L. Andreas
                              --------------------------------------------------
                              Printed Name:  David L. Andreas
                                                            "EXECUTIVE"

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                                   SCHEDULE A
                        TO SALARY CONTRIBUTION AGREEMENT


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                                    Column I
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   Annual Accrued Benefit Payment Amount Payable at Age Sixty-five (or Death)
                             After Early Retirement
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Such annual amount shall be determined by accumulating the existing Theoretical
Reserve (as defined below), as of the date of termination of the Executive's
employment, until the date the Executive attains age 65 at ten percent (10%)
annual interest (compounded monthly). The resulting accumulated balance is then
annuitized for a period of fifteen (15) years at the same annual interest rate
(compounded monthly). The resulting annual accrued benefit payment amount is
paid monthly for a period of fifteen (15) years, commencing at age 65.
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                                   Column II
--------------------------------------------------------------------------------
     Reduced Annual Accrued Benefit Payment Amount Payable Immediately Upon
                                Early Retirement
--------------------------------------------------------------------------------
Such annual amount shall be equal to the existing Theoretical Reserve (as
defined below), as of the date early payments are approved to begin to the
Executive, annuitized for a period of fifteen (15) years at ten percent (10%)
annual interest (compounded monthly). The resulting reduced annual accrued
benefit payment is paid monthly for a period of fifteen (15) years, commencing
as of the date early payments are approved to begin.
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                                   DEFINITIONS

            "Theoretical Reserve" means the dollar amount that would be
available in a reserve fund if, for each year from the original effective date
of this Salary Continuation Agreement (the "Agreement"), the Bank made a
Theoretical Contribution (as defined below) to the reserve fund on the
Executive's behalf.

            "Theoretical Contribution" means, for any year during which the
Agreement is in effect, is a contribution assumed to be made by the Bank and
determined by using the individual level premium funding method, from the age at
which the Executive was first covered by the Agreement until the Executive
attains age sixty-five (65), to fund the Executive's entire anticipated benefit
under the Agreement, assuming the Executive remains employed by the Bank during
that period. The calculation of the Theoretical Contribution as of any date
applies from the effective date of the Agreement until the Executive attains age
sixty-five (65) years, based on the benefit due under Paragraph 1.1 of the
Agreement, determined using the Executive's base salary as of that date.

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