**EXHIBIT 10.18**

**THIS OBLIGATION ISNOT A DEPOSIT AND IS NOT INSURED BY THEFEDERAL DEPOSIT INSURANCE CORPORATION. THIS OBLIGATION IS SUBORDINATED TO THE CLAIMS OF DEPOSITORS, IS INELIGIBLE AS COLLATERAL FOR A LOAN BY THE BORROWER, AND IS NOT SECURED.**

**SUBORDINATED TERM NOTE**

                           

$25,000,000                                                                                                         December22, 2000

            For Value Received, theundersigned, COMMUNITY FIRST NATIONAL BANK,a national banking association (the *“Borrower”*),hereby promises to pay to the order of HARRIS TRUST AND SAVINGS BANK (*“Harris”*)at its office at 111 West Monroe Street, Chicago, Illinois, the principalsum of TWENTY FIVE MILLION and 00/100 DOLLARS ($25,000,000), payable inprincipal installments in the amounts and at the times set forth inSection 1.1 of the Credit Agreement hereinafter mentioned, with allprincipal not sooner paid due and payable on the Term Loan Final Maturity Date.

            ThisNote evidences the Term Loan made to the Borrower by Harris under that certainCredit Agreement re: Subordinated Term Note dated as of December 22nd, 2000,between the Borrower and Harris (said Credit Agreement, as the same may beamended, modified or restated from time to time, being referred to herein asthe *“Credit Agreement”*), and theBorrower hereby promises to pay interest at the office described above on theTerm Loan evidenced hereby at the rates and at the times and in the mannerspecified therefor in the Credit Agreement.

            ThisNote is issued by the Borrower under the terms and provisions of the CreditAgreement, and this Note and the holder hereof are entitled to all of thebenefits provided for thereby or referred to therein, to which reference ishereby made for a statement thereof. This Note may be declared to be, or be and become, due prior to its expressedmaturity, voluntary prepayments may be made hereon subject to the conditions ofthe Credit Agreement, all in the events, on the terms and with the effectsprovided in the Credit Agreement.  Allcapitalized terms used herein without definition shall have the same meaningsherein as such terms are defined in the Credit Agreement.  

            TheBorrower hereby promises to pay all costs and expenses (including attorneys’fees) suffered or incurred by the holder hereof in collecting this Note orenforcing any rights in any collateral therefor.  The Borrower hereby waives presentment for payment anddemand.  THIS NOTE SHALL BE CONSTRUED INACCORDANCE WITH, AND GOVERNED BY, THE INTERNAL LAWS OF THE STATE OF ILLINOISWITHOUT REGARD TO PRINCIPLES OF CONFLICTS OF LAWS.

            Theindebtedness of the Borrower evidenced by this Note, including the principaland premium, if any, and interest shall be subordinate and junior in right ofpayment to its obligations to its depositors, its obligations under bankers’acceptances and letters of credit, and its obligations to its other creditors,including its obligations to the Federal Reserve Bank, Federal DepositInsurance Corporation (*“FDIC”*), andany rights acquired by the FDIC as a result of loans made by the FDIC to theBorrower or the purchase or guarantee of any of its assets by the FDIC pursuantto the provisions of 12 USC 1823(c), (d) or (e), whether now outstanding orhereafter incurred.  In the event of anyinsolvency, receivership, conservatorship, reorganization, readjustment ofdebt, marshaling of assets and liabilities or similar proceedings or anyliquidation or winding up of or relating to the Borrower, whether voluntary orinvoluntary, all such obligations shall be entitled to be paid in full beforeany payment shall be made on account of the principal of, or premium, if any,or interest, on the Note.  In the eventof any such proceedings, after payment in full of all sums owing on such priorobligations, the holder of the Note together with any obligations of the Borrowerranking on a parity with the Note, shall be entitled to be paid from theremaining assets of the Borrower the unpaid principal thereof and any unpaidpremium, if any, and interest before any payment or other distribution, whetherin cash, property, or otherwise, shall be made on account of any capital stockor any obligations of the Borrower ranking junior to the Note.  Nothing herein shall impair the obligationof the Borrower, which is absolute and unconditional, to pay the principal ofand any premium and interest on the note according to its terms.

            Notwithstandingany other provisions of this Note, including specifically those set forth inthe sections relating to subordination, events of default and covenants of theBorrower, it is expressly understood and agreed that the Office of the Comptrollerof the Currency (*“OCC”*) or anyreceiver or conservator of the Borrower appointed by OCC shall have the rightin the performance of his legal duties, and as part of liquidation designed toprotect or further the continued existence of the Borrower or the rights of anyparties or agencies with an interest in, or claim against, the Borrower or itsassets, to transfer or direct the transfer of the obligations of this Note toany bank or bank holding company selected by such official which shall expresslyassume the obligation of the due and punctual payment of the unpaid principal,and interest and premium, if any, on this Note and the due and punctualperformance of all covenants and conditions; and the completion of suchtransfer and assumption shall serve to supersede and void any default,acceleration or subordination which may have occurred, or which may occur dueor related to such transaction, plan, transfer or assumption, pursuant to theprovisions of this Note, and shall serve to return the holder to the sameposition, other than for substitution of the obligor, it would have occupiedhad no default, acceleration or subordination occurred; except that anyinterest and principal previously due, other than by reason of acceleration,and not paid shall, in the absence of a contrary agreement by the holder ofthis Note, be deemed to be immediately due and payable as of the date of suchtransfer and assumption, together with the interest from its original due dateat the rate provided for herein.

 
|   |   | Community First National Bank      |   |
|--------|--------|------------------------------------|--------|
|   |   |                               |   |
|   |   | By                            |   |
|   |   | Name  /s/ Thomas  R. Anderson |   |
|   |   | Title  Investment  Officer    |   |