<PAGE>   1
                                                                  Exhibit 10(xx)


                        ST. PAUL FEDERAL BANK FOR SAVINGS
                          SUPPLEMENTAL RETIREMENT TRUST


         This Amended and Restated TRUST AGREEMENT (the "Trust Agreement") is
made effective as of December 31, 1998, by and between St. Paul Federal Bank For
Savings ("Bank"), as Settlor, its parent company, St. Paul Bancorp, Inc., a
Delaware corporation ("Company"), as guarantor of Bank's obligations hereunder,
and Alan J. Fredian, Jean C. Murray, O.P., Joseph C. Scully and Patrick J.
Agnew, as trustees ("Trustee").

         WHEREAS, Bank maintains the St. Paul Federal Bank For Savings
Supplemental Retirement Plan and Excess Benefit Plan (the "Supplemental Plan"),
the St. Paul Federal Bank For Savings Survivor Death Benefit Plan (the "Death
Benefit Plan"), and the St. Paul Federal Bank For Savings and St. Paul Bancorp,
Inc. Nonqualified Retirement Plan for Directors (the Directors Plan") (each a
"Plan"; collectively, the "Plans");

         WHEREAS, Bank established this Trust Agreement effective January 28,
1991, and has previously amended and restated this Trust Agreement effective as
of November 1, 1997;

         WHEREAS, Bank has incurred liability under the Plans and may continue
to incur liability under the terms of the Plans with respect to the individual
participants in the Plans;

         WHEREAS, Bank has previously established a trust (hereinafter called
the "Trust") and has contributed to the Trust assets that are held therein,
subject to the claims of Bank's creditors in the event of Bank's Insolvency, as
herein defined, until paid to Plan participants and their beneficiaries in such
manner and at such times as specified in the Plans;

         WHEREAS, Bank and Company desire to amend and restate this Trust
Agreement, as hereinafter set forth;

         WHEREAS, it is the intention of the parties that this Trust shall
constitute an unfunded arrangement and shall not affect the status of the Plans
as unfunded plans maintained for the purpose of providing deferred compensation
to a select group of management or highly compensated employees, for purposes of
Title I of the Employee Retirement Income Security Act of 1974, as amended; and

         WHEREAS, it is the intention of Bank and Company to make an irrevocable
contribution to the Trust on or before January 1, 1999, in an amount equal to
the present value of benefits accrued under the Supplemental Plan and the
Directors Plan as of December 31, 1998;

         WHEREAS, it is also the intention of Bank and Company provide Bank with
a source of funds to assist in meeting its liabilities under the Death Benefit
Plan.


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         NOW, THEREFORE, the parties do hereby continue the Trust and agree that
the Trust shall be comprised, held and disposed of as follows:

Section 15.  Establishment of Trust

         (a) Bank has previously deposited with Trustee in trust $100, which was
the initial principal of the Trust to be held, administered and disposed of by
Trustee as provided in this Trust Agreement.

         (b) The Trust hereby established is irrevocable by Bank.

         (c) The Trust is intended to be a grantor trust, of which Bank is the
grantor, within the meaning of subpart E, part I, subchapter J, chapter 1,
subtitle A of the Internal Revenue Code of 1986, as amended, and shall be
construed accordingly.

         (d) The principal of the Trust, and any earnings thereon shall be held
separate and apart from other funds of Bank and shall be used exclusively for
the uses and purposes of Plan participants and general creditors of Bank as
herein set forth. Plan participants and their beneficiaries shall have no
preferred claim on, or any beneficial ownership interest in, any assets of the
Trust. Any rights created under the Plans and this Trust Agreement shall be mere
unsecured contractual rights of Plan participants and their beneficiaries
against Bank and Company. Any assets held by the Trust will be subject to the
claims of Bank's (and, as applicable, Company's) general creditors under federal
and state law in the event of Insolvency, as defined in Section 3(a) herein.

         (e) Bank and/or Company shall make an irrevocable contribution to the
Trust on or before January 1, 1999, in an amount equal to the present value of
benefits accrued under the Supplemental Plan and the Directors Plan as of
December 31, 1998. Bank and/or Company, in their sole discretion, may at any
time, or from time to time, make additional deposits of cash or other property
in trust with Trustee to augment the principal to be held, administered and
disposed by Trustee as provided in this Trust Agreement. Neither Trustee nor any
Plan participant or beneficiary shall have any right to compel such additional
deposits.

         Notwithstanding the foregoing, upon a Change in Control, Bank and/or
Company shall, as soon as possible, but in no event longer than 30 days
following the Change in Control, as defined herein, make an irrevocable
contribution to the Trust in an amount that would be sufficient to pay all 



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Plan participants and beneficiaries the benefits to which they would be entitled
pursuant to the terms of the Plans, if all Plan participants were to terminate
employment with Bank as of the date on which the Change in Control occurs.
Following a Change in Control, Bank and/or Company shall fund the Trust on an
ongoing basis by making regular irrevocable contributions to the Trust (not less
often than monthly) as Plan participants continue to accrue benefits under the
Plan. In addition, on or prior to the commencement of non-lump-sum distributions
to any Plan participant or beneficiary, Bank and/or Company shall make an
irrevocable contribution to the Trust in an amount equal to the present value of
the expected future Plan payments to such participant or beneficiary.



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Section 16.  Payments to Plan Participants and Beneficiaries

         (a) Bank shall deliver to Trustee a schedule (the "Payment Schedule")
that indicates the amounts payable in respect of each Plan participant (and his
or her beneficiaries), that provides a formula or other instructions acceptable
to Trustee for determining the amounts so payable, the form in which such amount
is to be paid (as provided for or available under the Plan), and the time of
commencement for payment of such amounts. Except as otherwise provided herein,
Trustee shall make payments to Plan participants and their beneficiaries in
accordance with such Payment Schedule. Trustee shall make provision for the
reporting and withholding of any federal, state or local taxes that may be
required to be withheld with respect to the payment of benefits pursuant to the
terms of the Plans and shall pay amounts withheld to the appropriate taxing
authorities or determine that such amounts have been reported, withheld and paid
by Bank.

         (b) The entitlement of a Plan participant or his or her beneficiaries
to benefits under the Plan shall be determined by Bank or such party as it shall
designate under the applicable Plan, and any claim for such benefits shall be
considered and reviewed under the procedures set out in such Plan.

         (c) Bank may make payment of benefits directly to Plan participants or
their beneficiaries as they become due under the terms of the Plan. Bank shall
notify Trustee of its decision to make payment of benefits directly prior to the
time amounts are payable to Plan participants or their beneficiaries. In
addition, if the principal of the Trust, and any earnings thereon, are not
sufficient to make payments of benefits in accordance with the terms of any
Plan, Bank shall make the balance of each such payment as it falls due. Trustee
shall notify Bank where principal and earnings are not sufficient.

Section 17. Trustee Responsibility Regarding Payments to Trust Beneficiaries
When Bank Is Insolvent

         (a) Trustee shall cease payment of benefits to Plan participants and
their beneficiaries if Bank is Insolvent. Bank shall be considered "Insolvent"
for purposes of this Trust Agreement if (i) Bank is unable to pay its debts as
they become due, (ii) Bank is subject to a pending proceeding as a debtor under
the United States Bankruptcy Code or (iii) Bank has been declared Insolvent by
the Office of Thrift Supervision ("OTS") and/or the Federal Deposit Insurance
Corporation ("FDIC") or their successors, and a receiver has been appointed in a
proceeding conducted by the OTS or the FDIC.


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         (b) At all times during the continuance of this Trust, as provided in
Section 1(d) hereof, the principal and income of the Trust shall be subject to
claims of general creditors of Bank under federal and state law as set forth
below.

         (i) The Board of Directors and the Chief Executive Officer of Bank
shall have the duty to inform Trustee in writing of Bank's Insolvency. If a
person claiming to be a creditor of Bank alleges in writing to Trustee that Bank
has become Insolvent, Trustee shall independently determine whether Bank is
Insolvent and, pending such determination, Trustee shall discontinue payment of
benefits to Plan participants and their beneficiaries.

         (ii) Unless Trustee has actual knowledge of Bank's Insolvency, or has
received notice from Bank or a person claiming to be a creditor alleging that
Bank is Insolvent, Trustee shall have no duty to inquire whether Bank is
Insolvent. Trustee may in all events rely on such evidence concerning Bank's
solvency as may be furnished to Trustee and that provides Trustee with a
reasonable basis for making a determination concerning Bank's solvency.

         (iii) If at any time Trustee has determined that Bank is Insolvent,
Trustee shall discontinue payments to Plan participants or their beneficiaries
and shall hold the assets of the Trust for the benefit of Bank's general
creditors. Nothing in this Trust Agreement shall in any way diminish any rights
of Plan participants and their beneficiaries to pursue their rights as general
creditors of Bank with respect to benefits due under the Plans or otherwise.

         (iv) Trustee shall resume the payment of benefits to Plan participants
or their beneficiaries in accordance with Section 2 of this Trust Agreement only
after Trustee has determined that Bank is not Insolvent (or is no longer
Insolvent).

         (c) Provided that there are sufficient assets, if Trustee discontinues
the payment of benefits from the Trust pursuant to Section 3(b) hereof and
subsequently resumes such payments, the first payment following such
discontinuance shall include the aggregate amount of all payments due to Plan
participants or their beneficiaries under the terms of the Plans for the period
of such discontinuance, less the aggregate amount of any payments made to Plan
participants or their beneficiaries by Bank in lieu of the payments provided for
hereunder during any such period of discontinuance, the result increased by
interest at a rate equal to the prime rate as from time to time in effect at the
First National Bank of Chicago at the beginning of the month in which payments
are discontinued, compounded annually on the amount delayed.



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Section 18.  Payments to Bank

         Bank shall have no right or power to direct Trustee to return to Bank
or Company or to divert to others any of the Trust assets before all payments of
benefits have been made to Plan participants and their beneficiaries pursuant to
the terms of the Plans.

Section 19.  Investment Authority and Other Rights and Duties of Trustee

         Subject to the provisions of Section 6 of this Trust Agreement, Trustee
shall invest the principal of the Trust and any earnings thereon in accordance
with such investment objectives, policies and restrictions as Bank may from time
to time prescribe, or, if Bank has appointed an investment manager to manage or
direct the investment of some or all of the assets of the Trust, in accordance
with the directions of such investment manager. Trustee shall have no duty to
inquire into or review the aforesaid investment objectives, policies, or
restrictions, or the investments made pursuant to the directions of an
investment manager.

         Notwithstanding the discretion set forth above, in no event may Trustee
invest in securities (including stock or rights to acquire stock) or obligations
issued by Bank or Company, other than a de minimis amount held in common
investment vehicles in which Trustee invests.

         All rights associated with assets of the Trust shall be exercised by
Trustee or the person designated by Trustee, and shall in no event be
exercisable by or rest with Plan participants.

         Subject to any restrictions or limitations set forth by Bank, Trustee
shall have the following powers, rights and duties:

         (a) To invest and reinvest part or all of the trust fund in any real or
personal property (including investments in any stocks, bonds, debentures,
mutual fund shares, notes, commercial paper, treasury bills, options,
commodities, futures contracts, partnership interests, venture capital
investments, any common, commingled or collective trust funds or pooled
investment funds, any interest bearing deposits held by any bank or similar
financial institution, and any other real or personal property) and to diversify
such investments so as to minimize the risk of large losses unless under the
circumstances it is clearly prudent not to do so.

         (b) When directed by Bank, to apply for, pay premiums on and maintain
in force on the lives of participants individual ordinary or individual or group
term or universal life insurance policies or annuities ("policies") for the
benefit of the participants on whose lives the policies are issued and
containing such provisions as Bank may approve or direct; to acquire such a




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policy from an employer or from the participant on whose life the policy is
issued, but only if Trustee pays, transfers or otherwise exchanges for the
policy no more than the cash surrender value of the policy and the policy is not
subject to a mortgage or similar lien which Trustee would be required to assume;
and to have with respect to such policies all of the rights, powers, options,
privileges and benefits unusually comprised in the term "incidents of ownership"
and normally vested in an insured or owner of such policies.

         (c) To retain in cash such amounts as Trustee considers advisable and
as are permitted by applicable law and to deposit any cash so retained in any
depository (including any bank acting as trustee) which Trustee may select.

         (d) To manage, sell, insure and otherwise deal with all real and
personal property held by Trustee on such terms and conditions as Trustee shall
decide.

         (e) To vote stock and other voting securities personally or by proxy
(and to delegate Trustee's powers and discretion with respect to such stock or
other voting securities to such proxy), to exercise subscription, conversion and
other rights and options (and make payments from the Trust in connection
therewith), to take any action and to abstain from taking any action with
respect to any reorganization, consolidation, merger, dissolution,
recapitalization, refinancing and any other program or change affecting any
property constituting a part of the Trust (and in connection therewith to
delegate Trustee's discretionary power and to pay assessments, subscriptions and
other charges from the Trust), to hold or register any property from time to
time in Trustee's name or in the name of a nominee or to hold it unregistered or
in such form that title shall pass by delivery and, with the approval of Bank to
borrow from anyone, including any bank acting as Trustee, to the extent
permitted by law, such amounts from time to time as Trustee considers desirable
to carry out this Trust (and to mortgage or pledge all or part of the Trust
security).

         (f) When directed by an investment manager, to acquire, retain or
dispose of such investments as the investment manager directs in accordance with
this Trust Agreement.

         (g) When directed by the Bank in accordance with the provisions of any
Plan, to invest the assets of the Trust in accordance with the Bank's
instructions.

         (h) To make payments from the Trust to provide benefits that have
become payable under the Plans or that are required to be made to the creditors
of Bank.



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         (i) To maintain in Trustee's discretion any litigation Trustee
considers necessary in connection with the Trust.

         (j) To maintain records reflecting all receipts and payment under this
Trust Agreement and such other records as Bank specifies and Trustee agrees to,
which records may be audited from time to time by Bank or anyone named by Bank.

         (k) To report to Bank at such times as Bank may request, the then net
worth of the Trust (that is, the fair market value of all assets of each of the
investment funds and of any other assets of the Trust, less liabilities known to
Trustee, other than liabilities to Plan participants and amounts payable from
the Trust fund to creditors who are not entitled to benefits under the Plans) on
the basis of such data and information as Trustee considers reliable.

         (l) To furnish periodic accounts to Bank for such periods as Bank may
specify, showing all investments, receipts, disbursements and other transactions
involving the Trust during the applicable period and the assets of each
investment fund and any other assets of the Trust held at the end of that
period.

         (m) To furnish Bank with such information in Trustee's possession as
Bank may need for tax or other purposes.

         (n) To perform all other acts which in Trustee's judgment are
appropriate for the proper management, investment and distribution of the Trust
to the extent such duties have not been assigned to others as provided herein.

Section 20.  Disposition of Income

         During the term of this Trust, all income received by the Trust, net of
expenses and taxes, shall be accumulated and reinvested.

Section 21.  Accounting by Trustee

Trustee shall keep accurate and detailed records of all investments, receipts,
disbursements, and all other transactions required to be made, including such


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specific records as shall be agreed upon in writing between Bank and Trustee.
Within 30 days following the close of each calendar quarter and within 30 days
after the removal or resignation of Trustee, Trustee shall deliver to Bank a
written account of its administration of the Trust during such quarter or during
the period from the close of the last preceding accounting date to the date of
such removal or resignation, setting forth all investments, receipts,
disbursements and other transactions effected by it, including a description of
all securities and investments purchased and sold with the cost or net proceeds
of such purchases or sales (accrued interest paid or receivable being shown
separately), and showing all cash, securities and other property held in the
Trust at the end of such year or as of the date of such removal or resignation,
as the case may be.

Section 22.  Responsibility of Trustee

         (a) Trustee shall act with the care, skill, prudence and diligence
under the circumstances then prevailing that a prudent person acting in like
capacity and familiar with such matters would use in the conduct of an
enterprise of a like character and with like aims; provided, however, that
Trustee shall incur no liability to any person for any action taken pursuant to
a direction, request or approval given by Bank or any investment manager which
is contemplated by, and in conformity with, the terms of the Plans or this Trust
and is given in writing by Bank or such investment manager. In the event of a
dispute between Bank and a party, Trustee may apply to a court of competent
jurisdiction to resolve the dispute. Bank shall indemnify Trustee from any
liability and expenses, including attorneys' fees, reasonably incurred by
Trustee on account of actions taken by Trustee in accordance with such direction
given by Bank or an investment manager, except that in no event shall Bank
indemnify Trustee against any loss or expense incurred by reason of Trustee's
own negligence or misconduct.

         (b) Trustee shall not be required to undertake or to defend on behalf
of any person any litigation arising in connection with this Trust Agreement,
unless it be first indemnified by Bank against its prospective costs, expenses
and liabilities. Nothing in this paragraph, however, shall be construed as
requiring Bank or any other person to indemnify or hold harmless Trustee in
respect of any litigation to which Trustee is or may be made a party.

         (c) Trustee may consult with legal counsel (who may also be counsel for
Bank generally) with respect to any of its duties or obligations hereunder.



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         (d) Trustee may hire agents, accountants, actuaries, investment
advisors, financial consultants or other professionals to assist it in
performing any of its duties or obligations hereunder.

         (e) Trustee shall have, without exclusion, all powers conferred on
trustees by applicable law, unless expressly provided otherwise herein;
provided, however, that if an insurance policy is held as an asset of the Trust,
Trustee shall have no power to name a beneficiary of the policy other than the
Trust, to assign the policy (as distinct from conversion of the policy to a
different form) other than to a successor Trustee, or to loan to any person the
proceeds of any borrowing against the policy.

         (f) Notwithstanding any powers granted to Trustee pursuant to this
Trust Agreement or pursuant to applicable law, Trustee shall not have any power
that could give this Trust the objective of carrying on a business and dividing
the gains therefrom, within the meaning of section 301.7701-2 of the Procedure
and Administrative Regulations promulgated pursuant to the Internal Revenue
Code.

Section 23.  Compensation and Expenses of Trustee

         Bank shall pay all reasonable administrative fees and expenses
including reasonable administrative fees and expenses of Trustee; provided that
before any Change in Control any such expenditures may be reimbursed only if
they have been approved by Bank in writing. If not so paid, such reasonable fees
and expenses shall be paid from the Trust.

Section 24.  Resignation and Removal of Trustee

         (a) Trustee may resign at any time by written notice to Bank, which
shall be effective 60 days after receipt of such notice, unless Bank and Trustee
agree otherwise.

         (b) Trustee may be removed by Bank on 30 days' notice or upon shorter
notice accepted by Trustee.

         (c) Following a Change in Control, as defined herein, Trustee may not
be removed by Bank.



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         (d) If Trustee resigns at any time after a Change in Control has
occurred, as defined herein, Bank shall apply to a court of competent
jurisdiction for the appointment of a successor trustee or for instructions.

         (e) Upon resignation or removal of Trustee and appointment of a
successor trustee, all assets shall subsequently be transferred to the successor
trustee. The transfer shall be completed within 30 days after receipt of notice
of resignation, removal or transfer, unless Bank extends the time limit.

         (f) If Trustee resigns or is removed, a successor shall be appointed,
in accordance with Section 11 hereof, by the effective date of resignation or
removal under paragraph (a) or (b) of this Section. If no such appointment has
been made, Trustee may apply to a court of competent jurisdiction for
appointment of a successor or for instructions. All expenses of Trustee in
connection with the proceeding shall be allowed as administrative expenses of
the Trust.

Section 25.  Appointment of Successor

         (a) If Trustee resigns or is removed in accordance with Section 10(a)
or (b) hereof, Bank may appoint any third party, such as a bank trust department
or other party that may be granted corporate trustee powers under state law, as
a successor to replace Trustee upon resignation or removal. The appointment
shall be effective when accepted in writing by the new Trustee, who shall have
all of the rights and powers of the former Trustee, including ownership rights
in the Trust assets. The former Trustee shall execute any instrument necessary
or reasonably requested by Bank or the successor Trustee to evidence the
transfer.

         (b) If Trustee resigns or is removed pursuant to the provisions of
Section 10 hereof and selects a successor Trustee, Trustee may appoint any third
party such as a bank trust department or other party that may be granted
corporate trustee powers under state law. The appointment of a successor Trustee
shall be effective when accepted in writing by the new Trustee. The new Trustee
shall have all the rights and powers of the former Trustee, including ownership
rights in Trust assets. The former Trustee shall execute any instrument
necessary or reasonably requested by the successor Trustee to evidence the
transfer.

         (c) The successor Trustee need not examine the records and acts of any
prior Trustee and may retain or dispose of existing Trust assets, subject to
Sections 7 and 8 hereof. The successor Trustee shall not be responsible for and
Bank shall indemnify and defend the successor Trustee from any claim or


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liability resulting from any action or inaction of any prior Trustee or from any
other past event, or any condition existing at the time it becomes successor
Trustee.

Section 26.  Amendment or Termination

         (a) This Trust Agreement may be amended by a written instrument
executed by Trustee, Bank and Company. Notwithstanding the foregoing, no such
amendment shall conflict with the terms of any Plan or shall make the Trust
revocable.

         (b) The Trust shall not terminate until the date on which Plan
participants and their beneficiaries are no longer entitled to benefits pursuant
to the terms of the Plans. Upon termination of the Trust, any assets remaining
in the Trust shall be returned to Bank.

         (c) Upon written approval of participants or beneficiaries entitled to
payment of benefits pursuant to the terms of the Plans, Bank may terminate this
Trust prior to the time all benefit payments under the Plans have been made. All
assets in the Trust at termination shall be returned to Bank or Company, as
applicable.

         (d) Following a Change in Control, as defined herein, this Trust
Agreement may not be amended.

Section 27.  Miscellaneous

         (a) Any provision of this Trust Agreement prohibited by law shall be
ineffective to the extent of any such prohibition, without invalidating the
remaining provisions hereof.

         (b) Benefits payable to Plan participants and their beneficiaries under
this Trust Agreement may not be anticipated, assigned (either at law or in
equity), alienated, pledged, encumbered or subjected to attachment, garnishment,
levy, execution or other legal or equitable process.

         (c) This Trust Agreement shall be governed by and construed in
accordance with laws of the State of Illinois.



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         (d) For purposes of this Trust Agreement, a Change in Control shall be
deemed to have occurred if: (i) any person becomes the beneficial owner of 25%
or more of the total number of voting shares of Company; (ii) any person has
received the approval of the Office of Thrift Supervision ("OTS") under Section
10 of the Home Owners' Loan Act, as amended, or regulations issued thereunder,
to acquire control of Company; (iii) any person has received approval of the OTS
under Section 7(j) of the Federal Deposit Insurance Act, as amended, or
regulations issued thereunder, to acquire control of Company; (iv) any person
has entered into a binding agreement to acquire (by means of stock purchase,
cash tender or exchange offer, merger or other business combination) beneficial
ownership of 25% or more of the total number of voting shares of Company,
whether or not the requisite approval for such acquisition has been received
under the Home Owners' Loan Act, as amended, the Federal Deposit Insurance Act,
as amended, or the respective regulations issued thereunder, provided that a
Change in Control will not be deemed to have occurred under this clause (iv)
unless the Board of Directors of Company has made a determination that such
action constitutes or will constitute a Change in Control; (v) any person
becomes the beneficial owner of 10% or more, but less than 25%, of the total
number of voting shares of Company, provided that the OTS has made a
determination that such beneficial ownership constitutes a change of control of
Company under the Home Owners' Loan Act, as amended, or the regulations
promulgated thereunder; (vi) any person (other than persons named as proxies
solicited on behalf of the Board of Directors of Company) holds irrevocable
proxies for 25% or more of the total number of voting shares of Company,
provided that a Change in Control will not be deemed to have occurred under this
clause (vi) unless the Board of Directors of Company has made a determination
that such action constitutes or will constitute a Change in Control; or (vii) as
the result of, or in connection with, any cash tender or exchange offer, merger,
or other business combination, sale of assets or contested proxy solicitation or
election, or any combination of the foregoing transactions, the persons who were
directors of Company before such transaction shall cease to constitute at least
two-thirds of the Board of Directors of Company or any successor institution.
For purposes of this Section, a "person" includes an individual, corporation,
partnership, trust or group acting in concert. A person for these purposes shall
be deemed to be a beneficial owner as that term is used in Rule 13d-3 under the
Securities Exchange Act of 1934.

         A Change in Control shall also be deemed to have occurred if Company's
beneficial ownership of the total number of voting shares of Bank is reduced to
less than 50%.



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Section 28.  Effective Date

         The effective date of this amended and restated Trust Agreement shall
be December 31, 1998.

         IN WITNESS WHEREOF, Bank, Company and Trustee, by their duly authorized
officers have signed this Trust Agreement on the day and year first above
written.


                                              ST. PAUL FEDERAL BANK FOR SAVINGS


                                              By:                              
                                                 -------------------------------
                                              Its:                             
                                                  ------------------------------


                                              ST. PAUL BANCORP, INC.


                                              By:                              
                                                 -------------------------------
                                              Its:                             
                                                  ------------------------------


                                              TRUSTEES:



                                              ----------------------------------
                                              Alan J. Fredian


                                              ----------------------------------
                                              Jean C. Murray, O.P.


                                              ----------------------------------
                                              Joseph C. Scully


                                              ----------------------------------
                                              Patrick J. Agnew
      

                                              Dated:                           
                                                    ----------------------------




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