Document:

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                                  Exhibit 10.2

                              AMENDED AND RESTATED

                        SUPPLEMENTAL RETIREMENT AGREEMENT

                                     BETWEEN

                             UNITED BANKSHARES, INC.

                                       AND

                                RICHARD M. ADAMS

           THIS AMENDED AND RESTATED AGREEMENT ("Agreement"), is made and
entered into effective this 1st day of November, 2001, by and among Richard M.
Adams ("Adams") and United Bankshares, Inc., a West Virginia corporation and
bank holding company ("UBS").

                              W I T N E S S E T H:
                              - - - - - - - - - -

           WHEREAS, Adams is Chairman, Chief Executive Officer, and a Director
of UBS and Chairman, Chief Executive Officer and a Director of United National
Bank, a national banking association ("Bank"), a subsidiary of UBS;

           WHEREAS, UBS highly values the efforts, abilities and accomplishments
of Adams;

           WHEREAS, UBS, as an inducement to continued employment, wishes to
assist Adams with his retirement planning;

           WHEREAS, the Board of Directors of UBS desires to provide Adams with
retirement income considered reasonable and based upon actuarially determined
need; and

           WHEREAS, UBS and Adams entered into a Supplemental Retirement
Agreement dated July 27, 1990 ("Supplemental Retirement Agreement") to provide
Adams such retirement income; and

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           WHEREAS, by this Agreement UBS and Adams desire to amend and restate
the Supplemental Retirement Agreement with certain agreed upon modifications;
and

           WHEREAS, Adams is willing to provide the services to UBS and its
affiliates as described in the AMENDED EMPLOYMENT AGREEMENT BETWEEN UNITED
BANKSHARES, INC. AND RICHARD M. ADAMS entered into on November 1, 2001
(hereinafter "Employment Agreement");

           NOW, THEREFORE, for and in consideration of the premises contained
herein, the parties agree as follows:

     I.    DEFINITIONS
           -----------

           A. "Base Salary" means Adams' base salary as determined pursuant to
the Employment Agreement.

           B. "Change in Control" has the same meaning as "change in control" in
the Employment Agreement.

           C. "Final Base Salary" means the average of Adams three (3) highest
base salaries during his employment with UBS or an affiliated or successor
entity to UBS.

           D. "Spouse" is defined to have the same meaning as the definition of
"spouse" in the UBS Pension Plan.

           E. "UBS Pension Plan" refers to the UBS Pension Plan currently in
effect as the same may be amended from time to time, and includes any successor
plan established by UBS or established by a successor entity to UBS.

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           F.   "UBS Savings and Stock Investment Plan" refers to such UBS plan
currently in effect as the same may be amended from time to time, and includes
any successor plan established by UBS or established by a successor entity to
UBS. For the purposes of making the calculation required under Section II of
this Agreement, it shall be assumed that Adams has made or will make annual
contributions to the UBS Savings and Stock Investment Plan equal to the
applicable limit for exclusion of elective deferrals ("Elective Deferral
Limitation") as provided under Section 402(g) of the Internal Revenue Code or
any successor provision thereto. If Adams has not or does not make contributions
equal to the Elective Deferral Limitation for any year, the calculation required
under Section II nonetheless shall be made as if each year he had made such
contribution in an amount equal to the Elective Deferral Limitation.

     II.   SUPPLEMENTAL BENEFIT
           --------------------

           A.   At Age 65. Except as otherwise provided herein, UBS agrees to
                ---------
provide Adams an annual supplemental retirement benefit upon reaching age 65 or
upon termination of his employment with UBS or an affiliated or successor entity
to UBS, whichever last occurs, which benefits shall be provided irrespective of
whether Adams is employed by an entity other than UBS or an affiliated or
successor entity to UBS. Said annual supplemental retirement benefit shall be
equal to seventy percent (70%) of Adams' Final Base Salary, reduced by Adams'
annual benefits actuarially calculated at the time the supplemental retirement
benefit first becomes payable under (1) the UBS Pension Plan (determined as if
Adams' distribution was made on an installment basis for the joint and last
survivor expectancy of Adams and his Spouse, if married, and if not, over Adams'
life expectancy); (2) Social Security (as the same may be adjusted from time to
time); and (3) the UBS Savings and Stock Investment Plan (determined as if
Adams' distribution was made on an installment basis for the joint and last
survivor expectancy of Adams and his Spouse, if married, and, if not, over
Adams' life expectancy).

           B.   Before Age 65. In lieu of the benefit in Section II. A. above,
                -------------
and subject to the other provisions herein, provided that Adams is no longer
employed by UBS or an affiliated or

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successor entity to UBS, UBS agrees to provide Adams (effective upon receipt of
Adams' written request, or in the event of Adams' incapacity, upon receipt of a
written request by Adams' conservator, committee, attorney-in-fact or other
authorized representative, and irrespective of whether Adams is employed by an
entity other than UBS or an affiliated or successor entity to UBS), an annual
supplemental retirement benefit determined by actuarially reducing the benefit
Adams would have been provided upon retirement at age 65 as provided in Section
II. A. above; provided that such annual benefit shall be reduced by Adams'
annual benefits actuarially calculated at the time of receipt of Adams' written
request or, if applicable, the written request of his authorized representative
under (1) the UBS Pension Plan (determined as if Adams distribution was made on
an installment basis for the joint and last survivor expectancy of Adams and his
Spouse, if married, and if not, over Adams' life expectancy); (2) Social
Security (as the same may be adjusted from time to time); and (3) the UBS
Savings and Stock Investment Plan (determined as if Adams' distribution was made
on an installment basis for the joint and last survivor expectancy of Adams and
his Spouse, if married, and, if not, over Adams' life expectancy).

           C.    Vesting and the Effect of Termination of Employment. The
                 ---------------------------------------------------
benefits under this Agreement are fully vested in Adams and shall survive his
termination of employment from UBS or an affiliated or successor entity to UBS
for whatever reason, including but not limited to, change in control, dismissal
with or without cause, voluntary termination by Adams, expiration of contract or
disability.

           D.    Death. In the event of Adams' death, if married, Adams' Spouse
                 -----
shall be entitled to receive one hundred percent (100%) of Adams' annual
supplemental retirement benefit calculated as provided under either Section II.
A. or B. above, whichever is applicable, and beginning at such time as the
annual supplemental retirement benefit would have been payable to Adams under
either Section II. A. or B. above.

           Payments required under this Section II. D., shall be paid to Adams'
Spouse for her life and shall cease upon her death.

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            In the event that Adams' Spouse does not survive him or Adams is not
married at the time of his death and Adams' death occurs prior to his receiving
an annual supplemental benefit pursuant to this Agreement for five (5) or more
years, Adams' estate shall be paid for a five (5) year period (not including the
year of death) an annual supplemental retirement benefit equal to the annual
supplemental retirement benefit Adams was receiving upon his death. If such
benefits had not yet commenced upon Adams' death, Adams' estate shall receive a
lump sum payment calculated for a five (5) year period in accordance with the
provisions under Section II. B. above and discounted to present value at the
prime rate of interest if Adams had not attained the age of 65 upon his death or
under Section II. A. above if Adams died at age 65 prior to the commencement of
the annual supplemental retirement benefit. No payment shall be made to Adams'
estate in the event Adams had received prior to his death an annual supplemental
retirement benefit pursuant to this Agreement for five (5) or more years.

     III.   PAYMENT OF SUPPLEMENTAL RETIREMENT BENEFIT
            ------------------------------------------

            A.   Annual Life Payments. Except as provided in Section II. D., the
                 --------------------
annual supplemental retirement benefit to which Adams is entitled pursuant to
this Agreement shall be paid to Adams in annual installments for life and shall
be based on Adams' life expectancy as determined under Section 1.72-9 of the
Income Tax Regulations. It is understood by and between the parties hereto that
in calculating Adams' annual supplemental retirement benefit the reduction from
Adams' Final Base Salary shall be applied hereunder notwithstanding the fact
that Adams may not actually receive distribution or payment from one or more of
the sources from which reductions are determined.

            B.   Commencement of Payments. Except as provided below with respect
                 ------------------------
to Section II. D., the first payment of the annual supplemental retirement
benefit required under Section II shall be made within ninety (90) days
following the date such benefit becomes payable. Such first payment shall be
prorated on a calendar year basis from the date that the annual

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supplemental retirement becomes payable. Payments thereafter shall be paid
annually on the 15th day of January.

           Payments required under Section II. D. shall begin on the 15th day of
January following the year of Adams' death and shall be made annually thereafter
on the 15th day of January for the period of time specified under Section II. D.
or in a lump sum if so provided under Section II. D.

           Neither UBS nor any affiliated or successor entity to UBS shall be
entitled to a refund or a recoupment of any amounts distributed or paid pursuant
to the terms of this Agreement.

           C.   Social Security Adjustments. Any annual supplemental retirement
                ---------------------------
benefit required to be paid pursuant to this Agreement shall be annually
adjusted to reflect any annual increases or decreases in Social Security
benefits or in any other programs which supplement or replace Social Security.

     IV.   NO REDUCTION BASED ON OTHER RETIREMENT BENEFITS
           -----------------------------------------------

           Payment required to be made pursuant to this Agreement shall not be
reduced or in any manner changed in the event that Adams shall become entitled
to or have any interest in any retirement or deferred compensation benefits
under any qualified or non-qualified plan or arrangement except as expressly
provided herein.

     V.    MISCELLANEOUS PROVISIONS
           ------------------------

           A.   Prior Agreements. This Agreement represents the entire agreement
                ----------------
between the parties, and all prior representations, promises or statements are
merged with and into this document.

           B.   Amendments. Any amendments to this Agreement must be in writing
                ----------
and signed by all parties hereto.

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           C.   Governing Law. All questions pertaining to the construction,
                -------------
validity and effect of this Agreement shall be determined in accordance with the
Laws of the United States and to the extent not preempted by such laws by the
laws of West Virginia.

           D.   Headings. The headings used in this Agreement are used solely
                --------
for the convenience of the parties and are not to be used in construing or
interpreting the Agreement.

           E.   Severability of Provisions. The effect of a determination by a
                --------------------------
court of competent jurisdiction that one or more of the contract clauses is or
are found to be unenforceable, illegal, contrary to public policy, or otherwise
unenforceable, then this Agreement shall remain in full force and effect except
for such clauses.

           F.   Authority to Execute Documents. The undersigned representative
                ------------------------------
of UBS certifies and represents that he is authorized to enter into this binding
agreement with Adams.

           G.   Waiver of Breach. A waiver of a breach of any provision of this
                ----------------
Agreement by any party shall not be construed as a waiver of subsequent breaches
of that provision. No requirement of this Agreement may be waived except in
writing by the party adversely affected.

           H.   Binding Effect and Assignability. This Agreement shall inure to
                --------------------------------
the benefit of, and shall be binding upon, the parties hereto and their
respective successors, assigns, heirs and legal representatives, including any
entity with which UBS may merge or consolidate or to which it may transfer all
or substantially all of its assets. Insofar as Adams is concerned, the benefits
payable hereunder or the right to receive future benefits under this Agreement
may not be assigned, anticipated, alienated, pledged, encumbered or subjected to
any charge or legal process.

           I.   Employment Contract. Nothing contained in this Agreement shall
                -------------------
be construed to alter, or in any manner change, the terms of the Employment
Agreement.

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          WITNESS the following signatures:

                                    UNITED BANKSHARES, INC.

                                    By   /s/ Russell L. Isaacs
                                         --------------------------------------
                                    Its  Chairman of the Compensation Committee
                                         --------------------------------------

                                    /s/ Richard M. Adams
                                    -------------------------------------------
                                    RICHARD M. ADAMS

                                      100<PAGE>

                                  Exhibit 10.3

                                    AGREEMENT

          This Agreement ("Agreement") was made as of this 7/th/ day of
December, by and among United Bankshares, Inc., a West Virginia corporation (the
"Corporation"), United Bank, a Virginia state-chartered bank (the "Bank") and
Joseph S. Bracewell (the "Executive"). Capitalized terms used and not otherwise
defined herein shall have the meaning set forth in either the Executive
Employment Agreement dated as of September 1, 1996, as amended (the "Employment
Agreement") or the Agreement and Plan of Reorganization by and between the
Corporation and Century Bancshares, Inc., a Delaware corporation ("Century"),
dated as of June 14, 2001, (the "Merger Agreement").

                                   WITNESSETH:

          WHEREAS, pursuant to the Merger Agreement, Corporation and Bank
recognize that (i) the Executive?s continued service to the Corporation and Bank
is needed and adds value to the operations of both Corporation and Bank after
the Effective Time of the Merger; and (ii) that the Executive?s continued
service to Corporation and Bank will maximize the potential of the strategic
business combination contemplated under the Merger Agreement; and

          WHEREAS, the parties have agreed to enter into this Agreement to
provide for the termination by Executive of his Employment Agreement, such
termination to be conditioned upon consummation of the Merger; and

          WHEREAS, Corporation and Bank agreed to assume the obligations of
Century under the Employment Agreement conditioned upon consummation of the
Merger; and

          WHEREAS, Corporation and Bank consider the availability of Executive's
services to be important to the management and conduct of Corporation's and
Bank's business and desire to secure the continued availability of Executive's
services; and

          WHEREAS, Executive is willing to make his services available to
Corporation and Bank on the terms and conditions set forth herein.

          NOW THEREFORE, in consideration of the mutual covenants contained
herein, the parties hereto agree as follows:

1.        Assumption of Obligations under Employment Agreement by Corporation
     and Bank. Upon consummation of the Merger, Corporation and Bank hereby
     agree to assume the obligations and liabilities of Century under the
     Employment Agreement in accordance with paragraph 7.2 thereof.

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2.        Termination of Employment Agreement by Executive. After the
     consummation of the Merger and in accordance with Paragraphs 5.3.2 and 5.5
     of the Employment Agreement, Executive agrees to give notice of termination
     to the Corporation to be effective as of 8 a.m. on January 1, 2002.
     Notwithstanding the foregoing, the following rights will survive the
     termination of the Employment Agreement: (a) the obligations of Executive
     under Paragraphs 4 (which will survive until December 7, 2002), 18, 19 and
     22 of the Employment Agreement and Paragraph 1 of Amendment No. 3 to the
     Employment Agreement dated February 20, 2001 ("Amendment No. 3"); and (b)
     the obligations of Corporation and Bank under Paragraphs 6, 18 and 19 of
     the Employment Agreement and Paragraph 1 of Amendment No. 3.

3.        Payments upon Termination. After the consummation of the Merger and
     until the termination of the Employment Agreement, Corporation and Bank
     agree to continue to provide Executive with the compensation set forth in
     Paragraph 3 of the Employment Agreement and Paragraph 1.2 of Amendment No.
     3. Within ten (10) business days after termination of the Employment
     Agreement (i.e. between January 2, 2002 and January 15, 2002), Corporation
     and Bank agree to pay Executive the amounts due to him pursuant to
     Paragraphs 6.1(a) and 6.1(f) of the Employment Agreement. Corporation, Bank
     and Executive each agree that Executive is entitled to receive the
     following amounts pursuant to Paragraphs 6.1(f) and 6.4 of the Employment
     Agreement and Paragraph 1.4 of Amendment No. 3:

                    (1)  As provided in Paragraph 4 of the Employment Agreement,
                              Executive is subject to certain non-competition
                              and non-solicitation agreements with Employer and,
                              upon consummation of the Merger, with Corporation
                              and Bank. Executive, Corporation and Bank hereby
                              agree that $250,000, less applicable withholdings,
                              shall be paid to Executive, which constitutes
                              consideration for Executive's prior agreement to
                              such non-competition and non-solicitation
                              agreements; and

               (b)  $500,000, less applicable witholdings.

4.        Services to be Provided by Executive. At the Effective Time of the
     Merger, Executive shall be appointed to serve as Vice Chairman of the Board
     of Bank. Executive shall have such duties and responsibilities as are
     commensurate with such position, including promoting the products and
     services of Corporation and Bank to the customer base of Century and its
     subsidiaries, maintaining relationships and soliciting business with such
     former customers, general customer and employee relations, public
     relations, assisting in strategic planning and the full development of the
     potential of the strategic combination contemplated in the Merger
     Agreement, assisting in the smooth and orderly transition of management and
     employees from Century and its subsidiaries to Corporation and Bank, and
     such other services and duties

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     consistent with the forgoing as maybe reasonably assigned to him from time
     to time by the Board of Directors of Bank or Corporation. Executive hereby
     accepts and agrees to the above-described services subject to the general
     supervision and pursuant to the orders, advice and direction of the Board
     of Directors of either Bank or Corporation. In addition to the foregoing,
     Executive shall be elected to the Board of Directors of Corporation as
     provided in Section 7.14 of the Merger Agreement.

5.        Compensation. In exchange for the services described in Paragraph 4
     above, Executive shall be entitled to receive cash compensation of $75,000
     during the term of this Agreement. Such compensation shall be in addition
     to, and not in lieu of, any compensation and/or benefits to which Executive
     may be entitled pursuant to Paragraph 6 of the Employment Agreement. All
     amounts payable to Executive under this Paragraph shall be subject to
     deductions and withholding as required by law. The compensation provided
     herein shall be paid in periodic monthly installments on the last day of
     each month beginning January 31, 2002. Additionally, during the term of
     this Agreement, Executive may continue his exclusive use of the office
     currently provided by Century. Corporation and Bank acknowledge that the
     contents of said office include some of Executive's personal property
     (including, but not limited to, three framed paintings, an etched glass
     panel from the Texas State Capitol, and an oak bookcase with leaded glass
     doors) which Executive may remove at any time.

6.        Term of Agreement. The term of this Agreement shall commence on
     January 1, 2002 (the "Commencement Date") and shall terminate on December
     31, 2002.

7.        Confidential Information. Executive will not at any time disclose to
     any other Person (except as required by applicable law or in connection
     with the performance of his duties and responsibilities hereunder), or use
     for his own benefit or gain, any confidential information of the
     Corporation, Bank and/or their respective affiliates obtained by him
     incident to his consultant relationship with the Corporation, Bank and/or
     their respective affiliates. The term "confidential information" includes,
     without limitation, financial information, business plans and opportunities
     (such as lending relationships, financial product developments or possible
     acquisitions or dispositions of businesses or facilities) which have been
     discussed or considered by the management of the Corporation, Bank and/or
     their respective affiliates but does not include any information which has
     become part of the public domain by means other than the nonobservance of
     his obligations hereunder.

8.        Conflicting Agreements. Executive hereby represents and warrants that
     the execution of this Agreement and the performance of his obligations
     hereunder will not breach or be in conflict with any other agreement to
     which he is a party or is bound, and that he is not now subject to any
     covenants against competition or similar covenants which would affect the
     performance of his obligations hereunder.

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9.        Definition of "Person". For purposes of this Agreement, the term
     "Person" shall mean an individual, a corporation, an association, a
     partnership, an estate, a limited liability company, and any other entity
     or organization.

10.       Assignment; Successors and Assigns, etc. Neither the Corporation and
     Bank nor the Executive may make an assignment of this Agreement or any
     interest herein, by operation of law or otherwise, without the prior
     written consent of the other party hereto, and without such consent, any
     attempted transfer or assignment shall be null and of no effect; provided,
     however, that the Corporation and Bank may assign their rights under this
     Agreement without consent of the Executive in the event that the
     Corporation and Bank shall hereafter effect a reorganization, consolidate
     with or merge into any other Person, or transfer all or substantially all
     of its properties or assets to any other Person and such other Person
     assumes the obligations of the Corporation and Bank under this Agreement.
     This Agreement shall inure to the benefit of and be binding upon the
     Corporation and Bank and the Executive, their respective successors,
     executors, administrators, heirs and permitted assigns.

11.       Enforceability. If any portion or provision of this Agreement shall to
     any extent be declared illegal or unenforceable by a court of competent
     jurisdiction, then the remainder of this Agreement, or the application of
     such portion or provision in circumstances other than those as to which it
     is so declared illegal or enforceable, shall not be affected thereby, and
     each portion and provisions of this Agreement shall be valid and
     enforceable to the fullest extent permitted by law.

12.       Waiver. No waiver of any provision hereof shall be effective unless
     made in writing and signed by the waiving party. The failure of any party
     to require the performance of any term or obligation of this Agreement, or
     the waiver by any party or any breach of this Agreement, shall not prevent
     any subsequent enforcement of such term or obligation or be deemed a waiver
     of any subsequent breach.

13.       Amendment. This Agreement may be amended or modified only by a written
     instrument signed by the Executive and by the duly authorized
     representatives of the Corporation and Bank.

14.       Governing Law. This Agreement shall be construed under and be governed
     in all respects by the laws of the Commonwealth of Virginia, to the extent
     not preempted by Federal law.

15.       Complete Agreement. Except as otherwise provided in this Agreement, on
     and after the Commencement Date, this Agreement shall supersede any other
     agreement, written or oral, pertaining to the subject matter of this
     Agreement.

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          IN WITNESS WHEREOF, this Agreement has been executed by the
Corporation and Bank, by their respective duly authorized officers, and by the
Executive, as of the date first written above.

                                   UNITED BANKSHARES, INC.

                                   By:     /s/ James J. Consagra, Jr.
                                          --------------------------------------
                                          James J. Consagra, Jr.
                                   Title: Executive Vice President

                                   UNITED BANK

                                   By:     /s/ Kendal E. Carson
                                          --------------------------------------
                                          Kendal E. Carson
                                   Title: President and Chief Executive Officer

                                     /s/ Joseph S. Bracewell
                                   ---------------------------------------------
                                    Joseph S. Bracewell

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