Document:

EXHIBIT 10-16(d)

                   EMPLOYMENT AGREEMENT

     THIS AGREEMENT is made as of the      day of  , 2005,
between Home Team Financial, LLC (the "Company") and having its
principal place of business in Mount Joy, Pennsylvania,  Union
National Community Bank ("Bank") having its principal place of
business in Mount Joy, Pennsylvania  and  Kevin Glackin (the
"Employee").

     WHEREAS, the Company and Bank desire to employ the Employee
under the terms and conditions set forth herein;

     WHEREAS, the Company is an operating subsidiary of Union
National Community Bank ("Bank"), and

     WHEREAS, the Employee desires to serve Company and Bank
under the terms and conditions set forth in this Agreement; and

     WHEREAS the Employee and the Bank have, on even date
herewith, entered into an agreement by and among the Members of
the Company (the "Members Agreement").

     NOW, THEREFORE, in consideration of the mutual covenants and
agreements set forth herein, and intending to be legally bound
hereby, the parties agree as follows:

     1.   TERM OF EMPLOYMENT.
          __________________

               (a)  General.  The Company and Bank hereby employ
                    _______
               the Employee and the Employee hereby accepts
               employment with the Company and Bank for a term of
               ten (10) calendar years beginning on July 1, 2005
               (the "Employment Period"), subject, however, to
               prior termination of this Agreement as set forth
               below.   After ten (10) calendar years this
               Agreement may be ended at the discretion of the
               Company without further compensation. References
               in the Agreement to "Employment Period" shall
               refer to the Initial Term of this Agreement and
               any extensions to the initial term of this
               Agreement.  For the purposes of this Agreement,
               the "Startup Year" shall mean July 1, 2005 to
               December 31, 2005; "Year 1" shall mean  calendar
               year 2006.

     2.   POSITION AND DUTIES.  The Employee shall serve as the
          ___________________
     President of the Company, reporting to the Company's
     Operating Committee or such other person as determined by
     the Operating Committee and shall perform such duties as may
     from time to time be prescribed by the Operating Committee
     or such other person as determined by the Operating
     Committee including, without limitation, the specific duties
     set forth in Exhibit B attached hereto.

     3.   ENGAGEMENT IN OTHER EMPLOYMENT.   The Employee will
          ______________________________
     devote his full attention, time and energies to the business
     of Company. The Employee shall neither

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     engage in any business or commercial activities, duties or
     pursuits, nor serve as a director or officer or in any other
     capacity in any other company, enterprise, or philanthropic
     endeavor without written approval from the Operating
     Committee.

     4.   COMPENSATION.As compensation for services rendered the
          ____________
     Company under this Agreement, the Employee shall be entitled
     to receive from the Company an annual direct salary as
     follows: $68,500 for 2005,; $144,500 for 2006; $157,000 for
     2007; $158,250 for 2008; $156,820 for 2009, thereafter to
     increase 3% per annum, payable in substantially equal weekly
     installments (or such other intervals, consistent with the
     Company's payroll policy), prorated for any partial
     employment period.

     5.   FRINGE BENEFITS, VACATION, AND EXPENSES.
          _______________________________________

               (a)  Employee Benefit Plans.  The Employee shall
                    ______________________
               be eligible to participate in or receive benefits
               from the Company, subject to and on a basis
               consistent with terms, conditions and overall
               administration of such benefit plans and
               arrangements. Employee shall be entitled to
               participate in the Bank's 401K retirement account
               plan. Nothing herein shall be construed as
               limiting the eligibility requirements of such
               plans or arrangements, or the right of Company to
               modify, change or eliminate such benefit plans or
               arrangements.

               (b)  Vacation, Holidays, Sick Days and Personal
                    __________________________________________
               Days.  The Employee shall be entitled to all paid
               ____
               vacation/sick days personal days given by the
               Company to its employees, for a minimum of five
               (5) weeks paid time off, plus holidays.

     6.   INDEMNIFICATION.  The Company will indemnify the
          _______________
     Employee and advance reasonable expenses to the same degree
     as provided by the Bylaws and policies of the Bank to its
     Executive Officers, and as are allowable under Pennsylvania
     and federal law, with respect to any threatened, pending or
     completed legal or regulatory action, suit or proceeding
     brought against him by reason of the fact that he is or was
     a director, officer, employee or agent of the Company or the
     Bank.

     7.   LIABILITY INSURANCE.  The Company and Bank shall obtain
          ___________________
     insurance coverage for the Employee under an insurance
     policy covering officers and directors of the Company
     against lawsuits, arbitrations or other legal or regulatory
     proceedings; however, nothing herein shall be construed to
     require the Company to obtain such insurance if the Bank
     determines that such coverage cannot be obtained at a
     reasonable price.

     8.   UNAUTHORIZED DISCLOSURE.  During the term of his
          _______________________
     employment hereunder, or at any later time, the Employee
     shall not, without the written consent of the

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     Operating Committee or a person authorized thereby,
     knowingly use for his own benefit or the benefit of any
     other person or other entity, or disclose to any person,
     other than an employee of the Company or the Bank or a
     person to whom disclosure is reasonably necessary or
     appropriate in connection with the performance by the
     Employee of his duties as an Employee of the Company, any
     confidential information, trade secrets, or know how,
     obtained by him while in the employ of the Company.
     Confidential information includes any services, products,
     improvements, formulas, projects, proposals, designs or
     styles, processes, customers, (including, but not limited
     to, customers of the Bank or Company or any of their
     affiliates or subsidiaries on whom the Employee called or
     with whom he became acquainted during the term of his
     employment), methods of business or any business practices,
     research, product or business plans, customer lists,
     markets, software, developments, inventions, technology,
     drawings, engineering, marketing, distribution and sales
     methods and systems, finances, sales and profit figures, and
     other business information of Company, Bank or any of their
     subsidiaries or affiliates, the disclosure of which could be
     or will be materially damaging to the Company,  Bank or any
     of their subsidiaries or affiliates, provided, however, that
     confidential information shall not include any information
     known generally to the public (other than as a result of
     unauthorized disclosure by the Employee or any person with
     the assistance, consent or direction of the Employee) or any
     information of a type not otherwise considered confidential
     by persons engaged in the same business or a business
     similar to that conducted by the Company or Bank or any
     information that must be disclosed as required by law.

     9.   WORK MADE FOR HIRE.  Any work performed by the Employee
          __________________
     under this Agreement should be considered a "Work Made for
     Hire" as that phrase is defined by the U.S. patent laws and
     shall be owned by and for the express benefit of Company,
     Bank and any of their subsidiaries and affiliates.  In the
     event it should be established that such work does not
     qualify as a Work Made for Hire, the Employee agrees to and
     does hereby assign to Company, Bank and their affiliates and
     subsidiaries, all of his rights, title, and/or interest in
     such work product, including, but not limited to, all
     copyrights, patents, trademarks, and proprietary rights.

     10.  RETURN OF COMPANY PROPERTY AND DOCUMENTS.  The Employee
          ________________________________________
     agrees that, at the time of termination of his employment,
     regardless of the reason for termination, he will deliver to
     Company or Bank, any and all company property, including,
     but not limited to, keys, security codes or passes, mobile
     telephones, pagers, computers, devices, confidential
     information (as defined in this Agreement), records, data,
     notes, reports, proposals, lists, correspondence,
     specifications, drawings, blueprints, sketches, software
     programs, equipment, other documents or property, or
     reproductions of any of the aforementioned items developed
     or obtained by the Employee  during the course of his
     employment.  The Employee further agrees to sign and return
     the "Termination Certificate" attached hereto as Exhibit
     "A," together with all company property within three (3)
     days of the date of termination of the Employee's
     employment.

     11.  RESTRICTIVE COVENANT.
          ____________________

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               (a)  Non-competition and Non-solicitation. The
                    ____________________________________
               Employee hereby acknowledges and recognizes the
               highly competitive nature of the business of
               Company and Bank, and that this Agreement is
               executed in connection with a planned buyout of
               Employee's equity in Company and accordingly
               agrees that, for the applicable period set forth
               in Section 11(c) hereof, Employee shall not:

                         (i)  within Lancaster County,
                    Pennsylvania or within a seventy-five (75)
                    mile radius of any Company office, or Bank
                    Branch  or affiliate Bank Branch (the
                    "Non-Competition Area") be engaged, directly
                    or indirectly, either for his own account or
                    as agent, consultant, employee, partner,
                    officer, director, proprietor, investor
                    (except as an investor owning less than 2% of
                    the stock of a publicly owned company) or
                    otherwise with any person, firm, corporation
                    or enterprise engaged in (1) the mortgage
                    brokerage or mortgage banking or financial
                    services industry (including bank holding
                    company), or (2) any other activity in which
                    Company, Bank or any of their subsidiaries or
                    affiliates are engaged during the Employment
                    Period,; or

                         (ii) provide financial or other
                    assistance to any person, firm, corporation,
                    or enterprise engaged in (1) the mortgage
                    brokerage or mortgage banking or financial
                    services industry (including bank holding
                    company), or (2) any other activity in which
                    Company, Bank or any of their subsidiaries or
                    affiliates are engaged during the Employment
                    Period; or

                         (iii)directly or indirectly contact,
                    solicit or induce any person, firm,
                    corporation or other entity who (or which) is
                    a customer or referral source of the Company
                    or the Bank, or which accepts placement or
                    purchase of Mortgage Loans from Company, Bank
                    or any of their subsidiaries or affiliates
                    during the term of Employee's employment, or
                    at the date of termination of Employee's
                    employment, to become a client, customer,
                    referral source of any other person, firm,
                    corporation or other  entity, or to accept
                    placement or purchase of Mortgage Loans from
                    any other person, firm, corporation or other
                    entity, except that this restriction shall
                    only relate to financial products or services
                    offered by the Company or the Bank; or

                         (iv) directly or indirectly do business
                    in any way with IndyMac Bancorp, Inc. or
                    Wilmington Financial, Inc., or any of their
                    affiliates, successors and assigns, including
                    without limitation directly or indirectly
                    selling or placing mortgage loans with either
                    entity, or

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                         (v)  directly or indirectly solicit,
                    induce or encourage any employee of Company,
                    Bank or any of their subsidiaries or
                    affiliates, who is employed during the term
                    of Employee's employment or at the date of
                    termination of Employee's employment, to
                    leave the employ of Company, Bank or any of
                    their subsidiaries or affiliates or to seek,
                    obtain or accept employment with any person
                    or entity other than Company, Bank or any of
                    their subsidiaries or affiliates, except if
                    an employee of the Company or the Bank,
                    without being contacted by the Employee or
                    anyone at the direction or suggestion of the
                    Employee,  answers a general public
                    advertisement for employment offered to the
                    general public by the Employee's subsequent
                    employer.

          (b)  Amendment of Restrictive Covenant.  It is
               _________________________________
               expressly understood and agreed that, although
               Employee, Company and Bank consider the
               restrictions contained in Section 11(a)
               reasonable for the purpose of preserving for
               Company, Bank and any of their subsidiaries or
               affiliates, their good-will and other proprietary
               rights, if a final judicial determination is made
               by a court having jurisdiction that the time or
               territory or any other restriction contained in
               Section 11(a) is an unreasonable or otherwise
               unenforceable restriction against the Employee,
               the provisions of Section 11(a) shall not be
               rendered void, but shall be deemed amended to
               apply as to such maximum time and territory and to
               such other extent as such court may judicially
               determine or indicate to be reasonable.

          (c)  Period of Restrictive Covenant.  The provisions of
               ______________________________
               this Section 11 shall be applicable, commencing on
               the date this Agreement is entered into and ending
               no less than two years after employee's employment
               with Company and Bank terminates.  If Employee
               remains in the Bank and Company's employ for a
               full 10 years after the date this Agreement is
               entered into, then the applicability of the
               covenants set forth in this Section shall be one
               (1) year after termination of the employee's
               employment with the Bank and Company.

          (d)  Breach of Restrictive Covenant.  It is expressly
               ______________________________
               understood and agreed that if the Employee
               violates or breaches any provisions of this
               Section 11, then the provisions of Subsection
               11(c) shall apply to the Employee for an
               additional one (1) year following the date of such
               violation or breach.

          (e)  Enforcement of Restrictive Covenant, Unauthorized
               _________________________________________________
               Disclosure, and Return of Company Property.
               __________________________________________
               Employee  acknowledges that his breach of any of
               the restrictions set forth in this Agreement in
               Sections 8, 10 and 11 will result in irreparable
               injury which is not compensable in damages or
               other legal remedies, and Bank, Company or their
               successor may seek to

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               obtain injunctive relief against the breach, or
               threatened breach of this Agreement, and/or
               specific performance and damages, as well as other
               legal and equitable remedies including attorney's
               fees which may be available and to which Bank,
               Company or their successors may be entitled.  The
               right to equitable relief shall include, without
               limitation, the right to both preliminary and
               permanent injunctions against any breach or
               threatened breach and specific performance for the
               provisions of this Agreement, and in such case,
               the Employee shall raise no objection, and hereby
               waives any objection, to the form of relief prayed
               for in any such proceeding.  Bank, Company or
               their successor shall not be required to post a
               bond or similar assurance should Bank, Company or
               their successor bring any action for equitable
               relief in order to enforce this Agreement.

     12.  TERMINATION.
          ___________

          (a)  Death.  Notwithstanding any other provisions of
               _____
               this Agreement, this Agreement shall terminate
               automatically upon the Employee's death and the
               Employee's rights under this Agreement shall cease
               as of the date such termination.

          (b)  Disability.  Notwithstanding any other provisions
               __________
               of this Agreement, if, as result of physical or
               mental injury or impairment, Employee is unable to
               perform all of the essential job functions of his
               position on a full time basis, with or without a
               reasonable accommodation, and without posing a
               direct threat to himself or others, for a period
               up to six (6) months, all obligations of Bank and
               Company to pay Employee an Annual Direct Salary as
               set forth in Section 4(a) of this Agreement are
               suspended. Employee agrees that should he remain
               unable to perform all of the essential functions
               of his position on a full time basis, with or
               without a reasonable accommodation and without
               posing a direct threat to himself or others, after
               six (6) months, the Bank and/or Company will
               suffer an undue hardship by continuing Employee in
               his position.  Upon this event, all compensation
               and employment obligations of the Bank and Company
               under this Agreement shall cease (with the
               exception of Employee's rights under the Bank's
               then existing short term and/or long term
               disability plans if any), and this Agreement shall
               terminate.

          (c)  For Cause.  Notwithstanding any other provisions
               _________
               of this Agreement, the Bank and/or Company may
               terminate the Employee's employment hereunder for
               "Cause." Upon this event, all compensation and
               employment obligations of the Bank and Company
               under this Agreement shall cease and this
               Agreement shall terminate. As used in this
               Agreement, the Bank and/or Company shall have
               "Cause" to terminate the Employee's employment
               hereunder upon:  (i) the willful failure by the
               Employee  to substantially perform his duties
               hereunder (other than a failure resulting from the
               Employee's incapacity because of physical or
               mental illness, as

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               provided in Section 12(b) hereof); (ii) the
               willful engaging by the Employee in misconduct
               injurious to the Company or Bank; (iii) the
               willful violation by the Employee of the
               provisions of Sections 3, 8, 9 or 11 hereof; (iv)
               the dishonesty or gross negligence of the Employee
               in the performance of his duties; (v) the breach
               of Employee's fiduciary duty involving personal
               profit; (vi) the material violation of any law,
               rule or regulation governing banks or bank
               officers or any final cease and desist order
               issued by a bank regulatory authority; (vii)
               conduct on the part of Employee which brings
               public discredit to the Company or Bank; (viii)
               unlawful discrimination by the Employee, including
               harassment against Company or Bank's employees,
               customers, business associates, contractors, or
               visitors; (ix) theft or abuse by Employee of the
               Company or Bank's property or the property of
               Company or Bank's customers, employees,
               contractors, vendors, or business associates; (x)
               willful failure of the Employee  to follow the
               good faith lawful instructions of the Board of
               Directors of Company or Bank with respect to its
               operations and a failure to cure such violation
               within five (5) working days of said notice; (xi)
               the direction or recommendation of a state or
               federal bank regulatory authority to remove the
               Employee's position with Company and/or Bank as
               identified herein;  (xii) any final removal or
               prohibition order to which the Employee is
               subject, by a federal banking agency pursuant to
               Section 8(e) or Section 8(g) of the Federal
               Deposit Insurance Act, or a state banking agency
               pursuant to Pennsylvania Law; (xiii) the
               Employee's conviction of or plea of guilty or nolo
               contendere to a felony, crime of falsehood or a
               crime involving moral turpitude, or the actual
               incarceration of Employee; (xiv) any act of fraud,
               misappropriation or personal dishonesty; (xv)
               insubordination; (xvi) misrepresentation of a
               material fact, or omission of information
               necessary to make the information supplied not
               materially misleading, in an application or other
               information provided by the Employee  to the Bank
               or Company or any representative of the Bank or
               Company in connection with the Employee's
               employment with the Bank or Company; (xvii) the
               existence of any material conflict between the
               interests of Company and the Employee that is not
               disclosed in writing by the Employee  to the Bank
               or the Company; or (xviii)  Material breach of any
               term of the Members Agreement, uncured under the
               terms thereof.

          (d)  Termination By Employee.  This Agreement shall

               _______________________
               terminate automatically upon the termination of
               employment by the Employee, and, except as
               specifically herein provided or as is specifically
               set forth in the Members Agreement,  the
               Employee's rights under this Agreement shall cease
               as of the date such termination.

          (e)  Termination without Cause.   In the event that the
               _________________________
               Bank or the Company terminates Employee without
               cause, then Employee shall be entitled to the
               provisions set forth in Section 9.4 of the Members
               Agreement providing for the buyout of Employee's
               ownership share in the Company.

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     13.  DAMAGES FOR BREACH OF CONTRACT.  In the event of a
          ______________________________
     breach of this Agreement by the Company, Bank or the
     Employee resulting in damages to another party to this
     Agreement, that party may recover from the party breaching
     the Agreement, only those damages as set forth herein.
     Except as is set forth in Section 11(e) of this Agreement,
     in no event shall any party be entitled to the recovery of
     attorney's fees or costs.

     14.  ARBITRATION.  Company, Bank and Employee recognize that
          ___________
     in the event a dispute should arise between them concerning
     the interpretation or implementation of this Agreement,
     lengthy and expensive litigation will not afford a practical
     resolution of the issues within a reasonable period of time.
     Consequently, with the exception of the Engagement in Other
     Employment provisions in Section 3, the Unauthorized
     Disclosure provisions of Section 8, the Return of Company
     Property and Documents provisions of Section 10, and the
     Restrictive Covenant provisions in Section 11, which the
     Company or Bank may seek to enforce in any court of
     competent jurisdiction, each party agrees that all disputes,
     disagreements and questions of interpretation concerning
     this Agreement are to be submitted for resolution, in
     Lancaster, Pennsylvania, to the American Arbitration
     Association (the "Association"), and shall be governed by
     the Federal Arbitration Act, 9 U.S.C. Sections 1, et seq.
     (as amended from time to time).  Company, Bank or Employee
     may initiate an arbitration proceeding at any time by giving
     notice to the other in accordance with the Rules. Copies of
     the AAA Rules and forms may be obtained at any American
     Arbitration Association office, or through the internet at
     address www.adr.org .
             ___________

     Conduct of Arbitration.  Arbitration shall be conducted in
     ______________________
     Lancaster County, Pennsylvania, unless the parties agree to
     a different location.  The arbitrator shall be selected from
     a panel of 3 arbitrators submitted by the parties to the
     arbitration, by the parties either mutually agreeing on the
     arbitrator or striking persons from the panel until one
     person is left, that person being the arbitrator.  The
     parties shall equally share the fees of the arbitrator and
     other jointly incurred reasonable expenses.  The arbitrator
     shall have the power to authorize reasonable discovery and
     to issue any necessary orders and subpoenas. The parties
     agree that all discovery shall be limited and expedited to
     the maximum extent practical, and the arbitrator is
     specifically requested and encouraged to minimize discovery
     and its cost to the maximum extent practicable.  The
     arbitrator shall have authority to award damages and grant
     such other relief the arbitrator deems appropriate,
     including reimbursement of a party's share of the fees and
     expenses of the arbitration. The arbitrator shall give
     effect to statutes of limitation in determining any claim.
     Any controversy concerning whether an issue is arbitrable
     shall be determined by the arbitrator. The arbitrator shall
     set forth in the award findings of fact and conclusions of
     law supporting the arbitrator's decision, which must be
     based upon applicable law and supported by evidence meeting
     the judicial standards for the burden of proof for like
     claims made in court, under the law of the jurisdiction
     where the Property is located.   Judgment upon the award may
     be entered by any court of competent jurisdiction.  Except
     as specifically set forth herein, the arbitrator shall have
     the ability to grant all equitable and legal remedies,
     declaratory and injunctive relief, as may be available under
     applicable law.

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     BY AGREEING TO THIS ARBITRATION PROVISION, THE PARTIES ARE
     AGREEING TO HAVE ANY DISPUTE ARISING FROM THIS EMPLOYMENT
     AGREEMENT, AS DESCRIBED ABOVE, RESOLVED EXCLUSIVELY BY
     ARBITRATION, AND ARE HEREBY KNOWINGLY AND VOLUNTARILY
     WAIVING ANY RIGHT TO LITIGATE ANY SUCH DISPUTES IN COURT,
     AND THE PARTIES ARE ALSO WAIVING ANY RIGHT TO A TRIAL BY
     JURY.

     The arbitration proceeding and all filing, testimony,
     documents, and information, relating to or presented during
     the evaluation proceeding, shall be disclosed exclusively
     for the purpose of facilitating the arbitration process and
     for no other purpose and shall be deemed to be information
     subject to the confidentiality provisions of this Agreement.
     The decision of the arbitrator, absent fraud, duress,
     incompetence or gross and obvious error of fact, shall be
     final and binding upon the parties and shall be enforceable
     in courts of proper jurisdiction.  Following written notice
     of a request for arbitration, Company, Bank and Employee
     shall be entitled to an injunction restraining all further
     proceedings in any pending or subsequently filed litigation
     concerning this Agreement, except as otherwise provided
     herein.

     15.  NOTICE.  For the purposes of this Agreement, notices
          ______
     and all other communications provided for in the Agreement
     shall be in writing and shall be deemed to have been duly
     given when hand-delivered or mailed by United States
     certified mail, return receipt requested, postage prepaid,
     addressed as follows:

     If to the Employee:

          Kevin Glackin
          117 Hadley's Mill Run
          Kennett Square, PA, 19348

     If to the Bank:

          UNION NATIONAL COMMUNITY BANK
          101 East Main Street
          P O Box 567
          Mount Joy, PA 17552-0567

          Attn: Mark D. Gainer, President & CEO

          or to such other person or place as shall be designated
          in writing, and with a copy to:

          SHUMAKER WILLIAMS, P.C.
          3425 Simpson Ferry Road
          Camp Hill, PA  17011
          Attn: Nicholas Bybel, Jr., Esquire

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     If to the Company:

          HOME TEAM FINANCIAL, LLC
          101 East Main Street
          P O Box 567
          Mount Joy, PA 17552-0567

          Attn: Clement Hoober

          or to such other person or place as shall be designated
          in writing, and with a copy to:

          SHUMAKER WILLIAMS, P.C.
          3425 Simpson Ferry Road
          Camp Hill, PA  17011
          Attn: Nicholas Bybel, Jr., Esquire

     or to such other address as any party may have furnished to
     the other in writing in accordance herewith, except that
     notices of change of address shall be effective only upon
     receipt.

     16.  SUCCESSORS.  This Agreement shall inure to the benefit
          __________
     of and be binding upon the Employee, his personal
     representatives, heirs or assigns and to the Bank
     and/or the Company and any of their successors or
     assigns.  Employee expressly agrees to the assignment
     of the covenants contained in Sections 8, 10 and 11 by
     the Company and Bank. However, the Bank's ability to
     transfer or assign this Agreement is subject to the
     restrictions on transfer of an ownership interest in
     the Company set forth in Section 16 of the Company's
     Operating Agreement.

     17.  SEVERABILITY.  If any provision of this Agreement is
          ____________
     declared unenforceable for any reason, the remaining
     provisions of this Agreement shall be unaffected thereby and
     shall remain in full force and effect.

     18.  AMENDMENT.  This Agreement may be amended or canceled
          _________
     only by mutual agreement of the parties in writing.

     19.  PAYMENT OF MONEY DUE DECEASED EMPLOYEE.  In the event
          ______________________________________
     of Employee's death, any monies that may be due him from the
     Company or Bank under this Agreement as of the date of
     death, shall be paid to the person designated by him in
     writing for this purpose, or in the absence of any such
     designation, to his estate.

     20.  LAW GOVERNING.  This Agreement shall be governed by and
          _____________
     construed in accordance with the laws of the Commonwealth of
     Pennsylvania, without regard to its conflicts of law
     principles. Further, the parties agree to the exclusive
     jurisdiction and venue of the Court of Common Pleas in
     Lancaster County Pennsylvania and the United States District
     Court for the Eastern District of Pennsylvania for all
     disputes between the

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<PAGE>

     parties not subject to Arbitration, and for purposes of
     appeal from or enforcement of any Arbitration Award.

     21.  ENTIRE AGREEMENT.  This Agreement, together with the
          ________________
     Operating Agreement and the Members Agreement supersede any
     and all agreements, either oral or in writing, between the
     parties with respect to the employment of the Employee by
     the Company and Bank, and this Agreement, the Operating
     Agreement and the Members Agreement contains all the
     covenants and agreements between the parties with respect to
     the subject matter of this Agreement.

     IN WITNESS WHEREOF, the parties hereto, intending to be
legally bound hereby, have caused this Agreement to be duly
executed in their respective names and, in the case of the
Company and Bank, by its authorized representatives the day and
year above mentioned.

ATTEST:                       UNION NATIONAL COMMUNITY BANK

________________________      By:____________________________

ATTEST:                       HOME TEAM FINANCIAL, LLC

________________________      By:____________________________

WITNESS:

________________________      _______________________________
                              Kevin Glackin

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<PAGE>

                           EXHIBIT A

                   TERMINATION CERTIFICATE

     This is to certify that I do not have in my possession, nor
have I failed to return, any keys, security codes or passes,
mobile telephones, pagers, computers, devices, confidential
information, records, data, proprietary software, notes, reports,
proposals, lists, correspondence, specifications, drawings,
blueprints, or reproductions of any aforementioned items
belonging to The Union National Community Bank, the Home Team
Financial, LLC, any of their affiliates or subsidiaries, or any
of their respective successors or assigns (together, the "Company
and Bank").

     I further certify that I have complied and will continue to
comply with all the terms of the Employee Employment Agreement
entered by me, the Company and Bank with respect to my employment
that began as of  July _____2005.

     Without limiting the generality of the preceding paragraph,
I will, in accordance with my Employment Agreement, preserve as
confidential, all proprietary and confidential information, trade
secrets and know-how of the Company and Bank or any of their
affiliates or subsidiaries, including, but not limited to,
research, product or business plans, products, services,
projects, proposals, customer lists or customers (including, but
not limited to, customers of The Company and Bank, or any of
their affiliates or subsidiaries on whom I called or with whom I
became acquainted during the term of my employment), markets,
software, developments, inventions, processes, formulas,
technology, designs or styles, drawings, engineering, marketing,
distribution, and sales methods and systems, sales and profit
figures, finances and other business information disclosed to me
by The Company and Bank, or any of their affiliates or
subsidiaries, either directly or indirectly in writing, orally or
by drawings or inspection of documents or on other tangible
property.

Date:______________________           ________________________
                                              Signature

___________________________            _______________________
    Witness

                              12
<PAGE>

                           EXHIBIT B

                       EMPLOYMENT DUTIES

          (1)  Marketing, loan origination, processing,
     underwriting, closing and post-closing, shipping, document
     follow-up and quality assurance;

          (2)  Secondary marketing-lender relationships, pricing,
     hedging, obtaining all necessary lender approvals to conduct
     correspondent and mortgage banking activities;

          (3)  Origination, loan production, and closing
     documentation technology; and

          (4)  Effecting the strategies, plans and business model
     of the Company.

                              13
<PAGE>EXHIBIT 10.11

                             SECOND AMENDMENT TO THE
               EXECUTIVE SUPPLEMENTAL RETIREMENT INCOME AGREEMENT
                              FOR GREGORY J. KREIS

Upon mutual consent and for valuable consideration hereby recognized, the
EXECUTIVE SUPPLEMENTAL RETIREMENT INCOME AGREEMENT FOR GREGORY J. KREIS is
hereby amended to bring the plan into compliance with 26 USCS ss. 409A. The
language below is immediately effective for each listed subsection and
supercedes all previous versions of these sections and subsections.

                                AMENDED SECTIONS

SUBSECTION 1.6 OF THE EXECUTIVE SUPPLEMENTAL RETIREMENT INCOME AGREEMENT FOR
GREGORYJ. KREIS SHALL BE AMENDED AS FOLLOWS:

1.6  "Change of Control" shall mean and include the following change of control
     events with respect to the Mutual Holding Company, the Bank, or the Holding
     Company;

     Change in Control Events shall include a change in the ownership of the
     corporation, a change in effective control of the corporation, or a change
     in the ownership of a substantial portion of the assets of the corporation.

     For this section "persons acting as a group" is defined as follows: Persons
     will be considered to be acting as a group if they are owners of a
     corporation that enters into a merger, consolidation, purchase or
     acquisition of stock, or similar business transaction with the corporation.
     Persons will not be considered lobe acting as a group solely because they
     purchase or own stock of the same corporation at the same time, or as a
     result of the same public offering. If a person, including an entity, owns
     stock in both corporations that enter into a merger, consolidation,
     purchase or acquisition of stock, or similar transaction, such shareholder
     is considered to be acting as a group with other shareholders in a
     corporation only with respect to the ownership in that corporation prior to
     the transaction giving rise to the change and not with respect to the
     ownership interest in the other corporation.

     A.  CHANGE IN OWNERSHIP OF THE CORPORATION

         Change in the ownership occurs on the date that any one person, or more
         than one person acting as a group (as defined above), acquires
         ownership of stock of the corporation that, together with stock held by
         such person or group, constitutes more than 50 percent of the total
         fair market value or total voting power of the stock of such
         corporation. However, if any one person or more than one person acting
         as a group, is considered to own more than 50 percent of the total fair
         market `value or total voting power of the stock of a corporation, the
         acquisition of additional stock by the same person or persons is not
         considered to cause a change in the ownership of the corporation or to
         cause a change in the effective control of the corporation.

     B.  CHANGE IN THE EFFECTIVE CONTROL OF THE CORPORATION

         Change in the effective control of the corporation. A change in the
         effective control of a corporation occurs on the date that either --
         (1) Any one person, or more than one person acting as a group (as
         defined above), acquires (or has acquired during the 12- month period
         ending on the date of the most recent acquisition by such person or
         persons) ownership of stock of the corporation possessing 35 percent or
         more of the total voting power of the stock of such corporation; or (2)
         a majority of members of the corporation's board of directors is
         replaced during any 12-month period by directors whose appointment or
         election is not endorsed by a majority of the members of the
         corporation's board of directors prior to the date of the appointment
         or election.

     C.  CHANGE IN THE OWNERSHIP OF A SUBSTANTIAL PORTION OF THE CORPORATION'S
         ASSETS

         Change in the ownership of a substantial portion of a corporation's
         assets occurs on the date that any one person, or more than one person
         acting as a group (as defined above), acquires (or has acquired during
         the 12-month period ending on the date of the most recent acquisition
         by such person or persons) assets from the corporation that have a
         total gross fair market value equal to or more than 40 percent of the
         total gross fair market value of all of the assets of the corporation
         immediately prior to such acquisition or acquisitions For this purpose,
         gross fair market value means the value of the assets of the
         corporation, or the value of the assets being disposed of, determined
         without regard to any liabilities associated with such assets.

         There is no Change in Control Event when there is a transfer to an
         entity that is controlled by the shareholders of the transferring
         corporation immediately after the transfer A transfer of assets by a
         corporation is not treated as a change in the ownership of such assets
         if the assets are transferred to:

         (1) A shareholder of the corporation (immediately before the asset
         transfer) in exchange for or with respect to its stock;

         (2) An entity, 50 percent or more of the total value or voting power of
         which is owned, directly or indirectly, by the corporation;

         (3) A person, or more than one person acting as a group, that owns,
         directly or indirectly, 50 percent or more of the total value or voting
         power of all the outstanding stock of the corporation; or

         (4) An entity, at least 50 percent of the total value or voting power
         of which is owned, directly or indirectly, by a person described in
         paragraph (iii).

         For purposes of this subsection, a person's status is determined
         immediately after the transfer of the assets., For example, a transfer
         to a corporation in which the transferor corporation has no ownership
         interest before the transaction, but which is a majority- owned
         subsidiary of the transferor corporation after the transaction is not
         treated as a change in the ownership of the assets of the transferor
         corporation.

SUBSECTION 1.13 OF THE EXECUTIVE SUPPLEMENTAL RETIREMENT INCOME AGREEMENT FOR
GREGORY J. KREIS SHALL HE AMENDED AS FOLLOWS:

1.13     "Payout Period" means the time frame during which certain benefits
         payable hereunder shall be distributed Payments shall be made in
         monthly installments and continue for a period of One Hundred and
         Eighty (180) months or for the live of the Executive whichever is
         longer. In the event of distributions made at the Benefit Age specified
         in the plan, distributions made at disability, distributions made at
         death, or distributions made due to a change in control; payments will
         commence on the first day of the month following the occurrence of the
         event which triggers distribution.

         In the event of a key employee's separation from service, for reasons
         other than those stated above in this subsection, payments will
         commence on the first day of the month following a six (6) month period
         after separation from service, as required by 26 USCS ss. 409A For
         purposes of the Survivor's Benefit payable hereunder, the Payout Period
         shall be One Hundred and Eighty (180) months.

SUBSECTION 1.14 OF THE EXECUTIVE SUPPLEMENTAL RETIREMENT INCOME AGREEMENT FOR
GREGORY J. KREIS SHALL BE AMENDED AS FOLLOWS:

1.14     "Permanently and Totally Disabled" means the Executive is unable to
         engage in any substantial gainful activity by reason of any medically
         determinable physical or mental impairment which can be expected to
         result in death or can be expected to last for a continuous period of
         not less than 12 months as determined by a duly licensed independent
         physician selected by the Bank.

SUBSECTION 3.1 OF THE EXECUTIVE SUPPLEMENTAL RETIREMENT INCOME AGREEMENT FOR
GREGORY J. KREIS SHALL BE AMENDED AS FOLLOWS:

3.1      Normal Retirement Benefit At the Normal Retirement Date as designated
         in subsection 1.12, the Bank shall commence payments of the
         Supplemental Retirement Income Benefit to Executive Such payments shall
         commence the first day of the month next following the Normal
         Retirement Date and shall be payable in monthly installments throughout
         the Payout Period.

SUBSECTION 3.3 OF THE EXECUTIVE SUPPLEMENTAL RETIREMENT INCOME AGREEMENT FOR
GREGORY J. KREIS SHALL BE AMENDED AS FOLLOWS:

3.3      Voluntary or Involuntary Termination of Employment If the Executive's
         employment with the Bank is voluntarily or involuntarily terminated
         prior to Normal Retirement Age, for any reason other than for Cause,
         the Executive's death, disability, or following a Change in Control,
         the Executive (or his Beneficiary) shall be entitled to his Accrued
         Benefit as of the date of such termination, annuitized using the
         Interest Factor. Such benefit will commence on the first day of the
         month following a six (6) month period after separation from service,
         as required by 26 USCS ss. 409A, and shall be payable in monthly
         installments throughout the Payout Period.

SUBSECTION 3.6 OF THE EXECUTIVE SUPPLEMENTAL RETIREMENT INCOME AGREEMENT FOR
GREGORY J. KREIS SHALL BE AMENDED AS FOLLOWS:

3.6      Changing the Elected Benefit Age Any change in the elected benefit age
         must be made in compliance with 26 USCS ss. 409A. Moving the benefit
         age forward can only be accomplished within the allowed exceptions to
         the acceleration of benefits requirements of ss. 409A. The benefit age
         can be moved back if: the new election benefit date is at east five (5)
         years from the date payment would otherwise have been made; the new
         elected benefit date does not take effect until at least twelve (12)
         months after the date the election is made, and the change in the
         election benefit date is not made less than twelve (12) months prior to
         the date of the first scheduled payment.

SUBSECTION 3.7 OF THE EXECUTIVE SUPPLEMENTAL RETIREMENT INCOME AGREEMENT FOR
GREGORY J. KREIS SHALL BE AMENDED AS FOLLOWS:

3.7      Separation from Service In the event of the key employee's separation
         from service, no distributions shall be made sooner than six (6) months
         after the date of separation of service. This six month delay does not
         apply to distributions made at the Benefit Age specified in the plan,
         distributions made at disability, distributions made at death, or
         distributions made due to a change in control.

All other provisions of the EXECUTIVE SUPPLEMENTAL RETIREMENT INCOME AGREEMENT
FOR GREGORY J. KREIS which are not specifically modified by this Amendment are
hereby incorporated and shall remain in full force and effect.

<TABLE>
<S>                           <C>                         <C>
c/s/ Gregory J. Kreis         Date      1-4-06            Executive Signature and Date
---------------------------       ----------------------

Gregory J. Kreis              Title   President & CEO Executive Printed Name/Title
---------------------------         -----------------

/s/ Eugene R. Sunderhaft      Date      1-4-06            Bank Officer Signature and Date
---------------------------        ----------------------

Eugene R. Sunderhaft          Title   Sr. VP / CFO        Bank Printed Name/Title
---------------------------         ---------------------
</TABLE>

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