Exhibit 10.7





                            SOUTHINGTON SAVINGS BANK


                     SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN



                          (Effective December 21, 1998)








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                            SOUTHINGTON SAVINGS BANK


                     SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN
                     --------------------------------------




                                TABLE OF CONTENTS
                                -----------------


ARTICLE                                                                     PAGE
-------                                                                     ----

1     PURPOSE..................................................................1

2     DEFINITIONS..............................................................1

3     PARTICIPATION............................................................5

4     TARGET BENEFIT...........................................................5

5     PAYMENT OF TARGET BENEFIT................................................7

6     PRE-RETIREMENT DEATH BENEFIT.............................................9

7     VESTING.................................................................10

8     FUNDING.................................................................12

9     ADMINISTRATION..........................................................13

10    CLAIM PROCEDURE.........................................................14

11    ADOPTION BY EMPLOYER; OBLIGATIONS OF EMPLOYER...........................14

12    MISCELLANEOUS...........................................................15




                                      - i -

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                            SOUTHINGTON SAVINGS BANK


                     SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN
                     --------------------------------------


                                    ARTICLE 1

                                     PURPOSE
                                     -------

     The purpose of the Southington Savings Bank Supplemental Executive
Retirement Plan (the "Plan") is to provide certain designated executives with a
supplemental retirement benefit in addition to the sum of (a) their retirement
benefits provided under the Southington Savings Bank Defined Benefit Pension
Plan ("Pension Plan") and the Southington Savings Bank Supplemental Retirement
Plan, and (b) their Social Security benefits. The Plan is not intended or
designed to meet the qualification requirements of Section 401 of the Internal
Revenue Code. As of the Effective Date, Robert D. Morton is the only person
eligible to participate in the Plan.

                                    ARTICLE 2

                                   DEFINITIONS
                                   -----------

     When used herein with initial capital letters, each of the following terms
shall have the corresponding meaning set forth below unless a different meaning
is plainly required by the context in which the term is used:

     SECTION 2.01. "Administrator" shall mean the Plan 





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Administrator under the Pension Plan.

     SECTION 2.02. "Board" shall mean the Board of Directors of Southington
Savings Bank or Bancorp Connecticut, Inc., as applicable.

     SECTION 2.03. "Change in Control" shall have the same meaning as provided
in the Participant's employment agreement with the Employer.

     SECTION 2.04. "Code" shall mean the Internal Revenue Code of 1986, as
amended.

     SECTION 2.05. "Committee" shall mean the Compensation Committee of the
Board, or any subsequent committee of the Board that has primary responsibility
for compensation policies. In the absence of such a committee, "Committee" shall
mean the Board or any committee of the Board designated by the Board to perform
the functions of the Committee under the Plan.

     SECTION 2.06. "Compensation" shall have the same meaning as provided in the
Pension Plan, except that bonuses and other incentive payments shall be included
as Compensation under this Plan, and the dollar maximum set by section
401(a)(17) of the Code, as amended, or any other Code section which replaces, or
into which, such Code section is amended, shall not apply to this Plan.




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     SECTION 2.07. "Disability" shall have the same meaning as provided in the
Pension Plan.

     SECTION 2.08. "Early Retirement Date" shall have the same meaning as
provided in the Pension Plan.

     SECTION 2.09. "Effective Date" means December 21, 1998.

     SECTION 2.10. "Employer" includes, individually and/or collectively as the
context requires, Southington Savings Bank ("Bank"), Bancorp Connecticut, Inc.
("Bancorp"), and all other entities in which the Bank or Bancorp holds, directly
or indirectly, more than a 50-percent ownership interest and that have approved
and adopted this Plan pursuant to Article 11, whether or not an individual
Employer directly compensates the Participant or the Participant appears on the
payroll of such Employer.

     SECTION 2.11. "Final Average Compensation" shall mean a Participant's
highest average twelve-month Compensation earned during any 60 consecutive
months (or lesser actual period of receiving Compensation) of employment
preceding the calendar month in which the Participant's employment ends. In
determining a Participant's 60 consecutive months of highest average annual
Compensation, periods during which the Participant was not receiving
Compensation shall be disregarded.




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     SECTION 2.12. "Participant" shall mean an employee of the Employer who is
eligible to participate in the Plan pursuant to Article 3.

     SECTION 2.13. "Target Benefit" shall mean the benefit described in Article
4.

     SECTION 2.14. "Years of Vesting Service" shall be the Participant's Years
of Vesting Service under the Pension Plan.







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                                    ARTICLE 3

                                  PARTICIPATION
                                  -------------

     Each employee of the Employer specifically named and designated by the
Board to be eligible to participate in the Plan shall be a Participant in the
Plan. As of the Effective Date, Robert D. Morton is the sole Participant in the
Plan.


                                    ARTICLE 4

                                 TARGET BENEFIT
                                 --------------

     SECTION 4.01. The Target Benefit a Participant shall be entitled to receive
from the Employer under this Plan shall have a value equal to the excess, if
any, of (a) over (b), where:

     (a) Equals a lifetime benefit in an annual amount equal to sixty (60)
percent of the Participant's Final Average Compensation, which benefit shall be
reduced, if payment of the Target Benefit shall commence prior to the
Participant's attainment of age 65, in accordance with the actuarial factors set
forth in the Pension Plan applicable to retirement benefits of employees
retiring on an Early Retirement Date, provided that no benefit reduction shall
occur if payment is made on account of a Change in Control;

     (b) equals the sum of (i) the annual benefit payable to the 




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Participant under the Pension Plan, expressed in the normal form of benefit
applicable to the Participant pursuant to the terms of the Pension Plan (whether
or not such benefit is actually paid in such form) commencing at the same time
as benefits hereunder, plus (ii) the annual benefit payable to the Participant
under the Southington Savings Bank Supplemental Retirement Plan, as determined
under Section 2 of that plan, without any actuarial adjustment in the event
benefits are paid in a form other than the applicable normal form of benefit
under the Pension Plan, plus (iii) the annual Social Security benefit payable to
the Participant by the federal government which commences at the same time as
benefits hereunder.

     SECTION 4.02. Notwithstanding the foregoing, if a Participant's employment
terminates on account of his or her disability for which benefits are payable
under the Employer's long-term disability plan, no Target Benefit shall be owing
under this Plan to such Participant until such time that benefits to the
Participant have ceased under the long-term disability plan.

     SECTION 4.03. An eligible spouse, if any, of such Participant shall be
entitled to receive a continuation of such benefit only to the extent provided
in Articles 5 or 6. No beneficiary under the Plan shall be permitted other than
a surviving eligible spouse.





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                                    ARTICLE 5

                            PAYMENT OF TARGET BENEFIT
                            -------------------------

     SECTION 5.01. A Participant's Target Benefit payments shall commence on the
first day of the month following the LATER of (a) the date the Participant is
vested in such Target Benefit pursuant to Article 7 of this Plan, and (b) the
latest of the month in which the Participant's employment ends, the last month
the Participant is paid liquidated damages provided for under the Participant's
employment agreement with the Employer, and the last month in which the
Participant receives severance payments from the Bank payable for any reason,
including but not limited to a Change in Control, as required by the
Participant's employment agreement with the Employer, unless the Participant and
the Administrator agree that such benefit shall commence at a later time. In no
event will a Participant or Beneficiary have a right to receive any Target
Benefit payment nor shall the Employer have any obligation to make any such
payment hereunder until the Participant becomes vested in the Target Benefit in
accordance with Article 7 of the Plan.

     SECTION 5.02. The normal form in which a Target Benefit shall be paid is,
for a Participant who is unmarried on the date on which benefit payments are to
commence as determined above, monthly payments on the first day of each month
for the life of the Participant only, and for a Participant who is married at
such time, monthly payments on the first day of each month for 




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the life of the Participant and after the Participant's death, monthly payments
on the first day of each month to the Participant's surviving spouse for life
(or until remarried, if earlier), each in an amount equal to 50 percent of the
Participant's monthly payment. To be entitled to a Target Benefit under the
Plan, a spouse must be married to the Participant both on the date Target
Benefit payments to the Participant commence and on the Participant's date of
death (hereinafter referred to as a "Surviving Spouse"). The annual Target
Benefit payable to a married Participant, while living, shall be equal to the
annual Target Benefit that would be payable to such Participant if unmarried.

     SECTION 5.03. Instead of the normal forms of benefit in Section 5.02, a
Participant may elect to receive payment of his or her Target Benefit under the
Plan in one of the optional forms of benefit available under the Pension Plan;
provided, however, that any such optional form of benefit shall be the
"Actuarial Equivalent," as such term is defined in the Pension Plan, of the
Target Benefit that would be payable to the Participant in normal form if
unmarried. A Participant who is married on the date on which Target Benefit
payments commence shall not be required to obtain the consent of his or her
spouse to have his or her Target Benefit paid in a form of benefit other than
the normal form. Notwithstanding the foregoing, the Administrator shall have the
discretion to pay Target Benefits on a quarterly or annual basis if, in the
Administrator's opinion, the amount of a Participant's 




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or a surviving Spouse's monthly Target Benefit would be insufficient to merit a
monthly payment.

                                    ARTICLE 6

                          PRE-RETIREMENT DEATH BENEFIT
                          ----------------------------

     SECTION 6.01. If a Participant in the Plan with respect to the Target
Benefit should die after having become vested with respect to a Target Benefit
but prior to the commencement of Target Benefit payments, in accordance with
Article 5, and if such Participant's spouse is entitled to a death benefit under
the Pension Plan, said spouse shall be entitled to receive from the Employer a
death benefit in the form of monthly payments commencing on the first day of the
month following the date of death and lasting for the spouse's life (or until
remarried, if earlier). The amount of such death benefit shall be determined
solely with respect to the Participant's Target Benefit (without reduction for
any payments made to the Participant on account of disability), and shall be
equal to the Target Benefit that would have been payable in the normal form
under Section 5.02 to such spouse as a Surviving Spouse if the Participant had
retired on the day prior to his or her death.

     SECTION 6.02. No death benefit with respect to a Target Benefit other than
that set forth above shall be payable under this Plan if a Participant dies
prior to the commencement of benefit payments hereunder.





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                                    ARTICLE 7

                                     VESTING
                                     -------

     SECTION 7.01. Except to the extent Section 7.02 otherwise provides, a
Participant shall be vested and shall have a nonforfeitable right with respect
to the Target Benefit upon the earliest to occur of the following:

     (a) The Participant's death while an employee of the Employer;

     (b) The Participant's disability while an employee of the Employer;

     (c) The Participant's satisfying the definition of Early Retirement Date
under the Pension Plan;

     (d) A Change in Control after a Participant has completed five (5) Years of
Vesting Service.

     SECTION 7.02. Notwithstanding Section 7.01 above, if a Participant shall be
terminated for cause, as defined in the Participant's employment agreement with
the Employer, or otherwise performs acts of willful misconduct or gross
negligence in a matter of material importance to the Employer, payments of 




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the Target Benefit that thereafter would have been payable to the Participant or
such Participant's spouse may, at the sole discretion of the Committee, be
forfeited, and the Employer shall have no further obligation under this Plan to
the Participant or such Participant's spouse.






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                                    ARTICLE 8

                                     FUNDING
                                     -------

     Benefits payable under this Plan shall be "unfunded," as that term is used
in Sections 201(2), 301(a)(3), 401(a)(1) and 4021(b)(6) of the Employee
Retirement Income Security Act of 1974, as amended, with respect to unfunded
plans maintained primarily for the purpose of providing deferred compensation to
a select group of management of highly compensated employees, and the
Administrator shall administer this Plan in a manner that will ensure that
benefits are unfunded and that Participants will not be considered to have
received a taxable economic benefit prior to the time at which benefits are
actually payable hereunder. Accordingly, the Employer shall not be required to
segregate or earmark any of its assets for the benefit of Participants or their
spouses or other beneficiaries, and each such person shall have only a
contractual right against the Employer for benefits hereunder. The rights and
interests of a Participant under this Plan shall not be subject in any manner to
anticipation, alienation, sale, transfer, assignment, pledge or encumbrance by a
Participant or any person claiming under or through a Participant, nor shall
they be subject to the debts, contracts, liabilities or torts of a Participant
or anyone else prior to payment.

     The Employer may, but need not, set aside or invest funds, or establish a
trust of any type, to meet its liability to a 




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Participant under this Plan. Title to and beneficial ownership of any assets,
whether cash, investments, or otherwise, which the Employer may designate to pay
the benefits described hereunder, shall at all times remain in the Employer, or
with a trustee, and a Participant shall have no property interest whatsoever in
any specific assets of the Employer or trustee. Nothing contained in this Plan
and no action taken pursuant to the provisions of this Plan shall create or be
construed to create a fiduciary relationship between the Employer and a
Participant. To the extent a Participant has a right to receive a payment or
payments under this Plan, such right shall be no greater than the right of any
unsecured general creditor of the Employer.


                                    ARTICLE 9

                                 ADMINISTRATION
                                 --------------

     The Plan shall be operated under the direction of the Committee and
administered by the Administrator. The calculation of all benefits payable under
the Plan shall be performed at the direction of the Administrator, subject to
the review of the Committee in its discretion, and such calculations and the
Committee's decisions in all other matters involving the interpretation or
application of the Plan shall be final and binding on all persons.





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                                   ARTICLE 10

                                 CLAIM PROCEDURE
                                 ---------------

     All claims for benefits under this Plan shall be determined under the
claims procedure in effect under the Pension Plan on the date that such claims
are submitted, except that the Administrator shall make initial determinations
with respect to claims hereunder and the Committee shall decide appeals of such
determinations.


                                   ARTICLE 11

                  ADOPTION BY EMPLOYER; OBLIGATIONS OF EMPLOYER
                  ---------------------------------------------

     Benefits under this Plan shall, in the first instance, be paid and
satisfied by the Bank. If the Bank shall be dissolved or for any other reason
shall fail to pay and satisfy such benefits, then Bancorp shall pay the benefits
under the Plan. If Bancorp shall be dissolved or for any other reason shall fail
to pay and satisfy such benefits, then each other adopting Employer shall be
jointly and severally liable for paying all of the benefits under the Plan.





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                                   ARTICLE 12

                                  MISCELLANEOUS
                                  -------------

     SECTION 12.01. AMENDMENT OR TERMINATION. The Board may amend or discontinue
the Plan at any time; provided, however, that no amendment or discontinuation
shall diminish the Employer's obligation to provide any benefits accrued to the
date of such amendment or discontinuation. For purposes of the foregoing
"benefits accrued" shall mean the value of a Participant's benefit under the
Plan, as of the date of amendment or discontinuation of the Plan, with respect
to the Target Benefit, based upon the Participant's Final Average Compensation,
Years of Credited Service, pension plan benefit and projected Social Security
benefits as of such date. A Participant with an accrued but unvested benefit
under the Plan as of the date of amendment or discontinuation of the Plan shall
become vested with respect to such benefit upon such Participant's satisfaction
of the requirements of Article 4, as the case may be.

     SECTION 12.02. PENSION PLAN BENEFIT ADJUSTMENTS. Any amendment to a
Participant's benefit under the Pension Plan after the payment of benefits
commences under this Plan shall not affect the amount of the benefits under this
Plan. Furthermore, the provision of any additional benefits under the Pension
Plan shall in no way result in any adjustment with respect to the benefits under
this Plan.

     SECTION 12.03. NO RIGHT TO CONTINUED EMPLOYMENT.

     (a) Adoption of the Plan, the provisions of the Plan, and any action
of the Board or Committee with respect to the Plan, 




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shall not be held or construed to confer upon any Participant any right to
continuation of employment by the Employer.

     (b) The Employer  reserves  the right to terminate or otherwise  discipline
any Participant,  or otherwise deal with any Participant,  to the same extent as
though the Plan had not been adopted.

     SECTION 12.04. TAXES.

     (a) The Bank or any other entity making a payment under the Plan shall
have the right to deduct from all amounts distributed any taxes required by law
to be withheld.

     (b) A Participant should consult his or her own tax advisors concerning the
personal tax consequences of being eligible for the Plan, and the tax treatment
of distributions received under the Plan.

     SECTION 12.05. HEADINGS. Headings are included in the Plan for convenience
only and are not substantive provisions of the Plan.

     SECTION 12.06. APPLICABLE LAW. The interpretation of the provisions and the
administration of the Plan shall be governed by the laws of the state of
Connecticut.


Dated this 25th day of March, 1999, at Southington, Connecticut.



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                                       SOUTHINGTON SAVINGS BANK

Witness:                                  By /s/ Walter J. Hushak
                                             ---------------------
/s/ Judy Smith                                   Walter J. Hushak
-----------------------                          Its Chairman
    Judy Smith

                                       BANCORP CONNECTICUT, INC.

Witness:                                  By /s/ Walter J. Hushak
                                             ---------------------
                                                 Walter J. Hushak
/s/ Judy Smith                                   Its Chairman
-----------------------
    Judy Smith