Document:

Exhibit 10.3

                 PRE-2005 SUPPLEMENTAL RETIREMENT PLAN AGREEMENT

      This sets forth an amendment and restatement of the Supplemental
Retirement Plan Agreement made effective as of March 1, 2004 between (i)
COMMUNITY BANK SYSTEM, INC., a Delaware corporation and registered bank holding
company, and COMMUNITY BANK, N.A., a national banking association, both having
offices located in Dewitt, New York (collectively, the "Employer"), and (ii)
SANFORD A. BELDEN, an individual currently residing at 9 Lynacres Boulevard,
Fayetteville, New York ("Employee"). This amended and restated Agreement
supersedes the March 1, 2004 version of this Agreement, and is entered into
pursuant to paragraph 4(d) of the Employment Agreement between the parties,
effective as of March 1, 2004 and as amended ("Employment Agreement"). This
amended and restated Agreement is effective as of December 31, 2004.

      This amended and restated Agreement is entered into by the parties in
accordance with guidance provided by the Internal Revenue Service in Internal
Revenue Service Notice 2005-1. The intent of this amended and restated Agreement
is to preserve supplemental retirement benefits earned and vested under this
Agreement (and prior versions of this Agreement) through December 31, 2004 and
to stop future accruals under this Agreement as of December 31, 2004.
Supplemental retirement benefits earned and vested through December 31, 2004
will be treated as not subject to the requirements of Internal Revenue Code
Section 409A. Supplemental retirement benefits earned after December 31, 2004,
which benefits will be subject to Internal Revenue Code Section 409A, shall be
determined and governed by the separate Post-2004 Supplemental Retirement Plan
Agreement between the parties.

<PAGE>

                                   WITNESSETH

            IN CONSIDERATION of the promises and mutual agreements and covenants
contained herein, and other good and valuable consideration, the parties agree
as follows:

      1. Supplemental Retirement Benefit.

            (a) Employer shall pay Employee an annual supplemental retirement
benefit equal to the product of (i) 5% times Employee's number of years of
service, considering only the Employee's first 10 years of service, plus 2%
times Employee's number of years of service in excess of ten years, times (ii)
Employee's final average compensation, with the product of (i) times (ii)
reduced by Employee's other retirement benefits. Notwithstanding the foregoing,
except in the event of Employee's voluntary termination of employment prior to
July 1, 2006, the product of (i) times (ii) above shall not be less than the
product that would be derived if Employee remained employed pursuant to the
Employment Agreement through December 31, 2007 and received the Base Salary
(including increases) and Management Incentive Plan payments (assuming a minimum
50 percent incentive payment under Employer's Management Incentive Plan)
described in the Employment Agreement. Subject to the adjustments described in
paragraph 1(h), the benefit described in this paragraph 1(a) initially shall be
expressed as a single life annuity (payable for Employee's life) commencing as
of the date determined pursuant to paragraph 1(g).

            (b) For purposes of this paragraph 1, and subject to paragraph 2,
"years of service" shall be credited to Employee in the same manner as years of
service are credited to Employee under the Community Bank System, Inc. Pension
Plan, as amended through

                                      -2-
<PAGE>

December 31, 2004 ("Pension Plan"); and no more than 15 years of service will be
taken into account under paragraphs 1 and 2.

            (c) For purposes of this paragraph 1, and except as provided in the
second sentence of paragraph 1(a) and in paragraph 2(a)(iii), Employee's "final
average compensation" shall be the annual average of Employee's Base Salary (as
defined in the Employment Agreement) and cash incentive payment awarded during
the five consecutive calendar years preceding Employee's termination.

            (d) For purposes of this paragraph 1, Employee's "other retirement
benefits" shall mean the sum of

                  (i) the annual benefit earned by Employee pursuant to the
Pension Plan, plus

                  (ii) 50 percent of the estimated annual benefit payable to
Employee pursuant to the Federal Social Security Act, plus

                  (iii) the annual benefit that could be provided by Employer
contributions (other than elective deferrals) made on Employee's behalf under
(A) the Community Bank System, Inc. 401(k) Employee Stock Ownership Plan, and
(B) the Deferred Compensation Plan for Certain Executive Employees of Community
Bank System, Inc., plus earnings on such Employer contributions under (A) and
(B) at an assumed rate of 8% per year, if such contributions (as adjusted) were
converted to a single life annuity benefit payable at the same time as the
benefit paid under this paragraph 1, using the factors applied to determine
actuarial equivalents under the Pension Plan at the time payments begin under
this paragraph 1.

                                      -3-
<PAGE>

            (e) For purposes of paragraph 1(d)(ii), Employee's Social Security
Benefit ("Benefit") will be valued by the actual Benefit Employee receives or is
qualified to receive at the time Employee elects to receive the supplemental
retirement benefit, or if Employee has not yet qualified for the Benefit, the
Benefit will be valued by the maximum benefit available to a then 62 year old
individual.

            (f) For the purposes of paragraph 1(d)(i), Employee's Pension Plan
benefit will be Employee's accrued benefit under the Pension Plan, determined as
of the earlier of (i) the date Employee begins to receive such Pension Plan
benefit, or (ii) the date Employee begins to receive the supplemental retirement
plan benefit, expressed (in either case) in the form of a single life annuity
(payable for Employee's life) commencing as of the date determined pursuant to
paragraph 1(g). In the event payments of supplemental retirement benefits
commence before payments of Employee's Pension Plan benefit commence, the
supplemental retirement benefit shall be adjusted (if necessary) to reflect any
difference between the Pension Plan benefit calculated pursuant to the preceding
sentence and the actual benefit paid to Employee pursuant to the Pension Plan.

            (g) The supplemental retirement benefit described in paragraph 1
shall be payable commencing on the first day of the month following the later of
(i) Employee's receipt of all payments due under the terms of his Employment
Agreement, or (ii) termination of employment as an employee of Employer.

            (h) The supplemental retirement benefit described in this paragraph
1 shall be paid in the form of an actuarially reduced Joint and 100% Survivor
benefit (using the factors applied to determine actuarial equivalents under the
Pension Plan at the time payments begin),

                                      -4-
<PAGE>

with Employee's spouse as survivor annuitant; provided, however, that, if
Employee or his beneficiaries shall receive payment of Employee's benefit under
the Pension Plan prior to Employee's attainment of age 62, then the supplement
retirement benefit under this paragraph 1 shall be subject to the same early
retirement reduction, using the factors applied to determine early retirement
benefits under the Pension Plan at the time payments begin.

      Notwithstanding the foregoing, if Employee dies prior to commencing
receipt of payments under this paragraph 1, Employee's surviving spouse shall
receive an actuarially reduced 100% survivor benefit determined as if Employee
retired on the day prior to his death and immediately commenced receipt of
payments under both this paragraph 1 (including any adjustment required by the
second sentence of paragraph 1(a)) and the Pension Plan in the form of an
actuarially reduced Joint and 100% Survivor benefit with his spouse as survivor
annuitant. If Employee has no spouse at the time of Employee's death, no
survivor benefits shall be paid pursuant to this paragraph 1.

            (i) Employer shall establish a "grantor trust" (as that term is
defined in Internal Revenue Code Section 671) to aid it in the accumulation and
payment of the supplemental retirement benefit described in this paragraph 1;
provided that the trust shall be established with the intention that the
creation and funding of the trust shall not result in the recognition of gross
income by Employee of any amount credited under the trust prior to the date the
amount is paid or made available. Assets of the trust, and any other assets set
aside by Employer to satisfy its obligations under this Agreement, shall remain
at all times subject to the claims of Employer's general creditors. Employee and
his beneficiaries shall not have any rights under this paragraph 1 that are
senior to the claims of general unsecured creditors of Employer.

                                      -5-
<PAGE>

Notwithstanding any other term or provision of this Agreement or the trust,
within ten business days following Employee's termination of employment with
Employer due to Employee's retirement (including Employee's voluntary early
retirement), disability or death, or, if earlier, immediately prior to the
effective date of a "Change of Control" (as defined in the Employment
Agreement), Employer shall fully fund the trust (using the same actuarial
assumptions used to establish funding in the Pension Plan) for all benefits
earned pursuant to this Agreement through the date of Employee's termination of
employment or the effective date of the Change of Control, as applicable.

            (j) The right to receive the supplemental retirement benefit
described in this paragraph 1 shall not be subject in any manner to
anticipation, alienation, sale, transfer, assignment, pledge or encumbrance, nor
subject to attachment, garnishment, levy, execution or other legal or equitable
process for the debts, contracts or liabilities of Employee or his
beneficiaries.

            (k) Notwithstanding the foregoing of this paragraph 1 or any other
provision of this Agreement, Employee's supplemental retirement benefit
determined pursuant to this Agreement shall not be greater than the benefit
determined as of December 31, 2004 in accordance with Internal Revenue Service
Notice 2005-1 (Q&A 17). Employee shall not earn supplement retirement benefits
pursuant to this Agreement after December 31, 2004. Supplemental retirement
benefits earned by Employee after December 31, 2004 shall be determined and
governed by the separate Post-2004 Supplemental Retirement Plan Agreement
between the parties. In no event will retirement benefits of any type payable to
Employee be duplicated.

                                      -6-
<PAGE>

      2. Change of Control

            (a) If Employee's employment with Employer shall cease for any
reason, including Employee's voluntary termination for "good reason," but not
including Employee's termination for "cause" or Employee's voluntary termination
without "good reason," within 2 years following a "Change of Control", (as those
quoted terms are defined in the Employment Agreement), Employer shall:

                  (i) Credit Employee under this Agreement with the greater of 3
years of service or the years of service Employee is retained as a consultant
under the terms of paragraph 6 of the Employment Agreement for purposes of
determining Employee's supplemental retirement benefit described in paragraph 1;
and

                  (ii) Credit Employee under this Agreement with two additional
years of service for purposes of determining Employee's supplemental retirement
benefit described in paragraph 1; and

                  (iii) Determine Employee's "final average compensation" under
paragraph 1(c) by considering the years of service Employee is retained as a
consultant under the terms of the Employment Agreement as service that precedes
Employee's termination and considering amounts paid to Employee during that
period as Base Salary and cash incentive payments to Employee.

            (b) Subject to paragraph 2(c) below, if any portion of the amounts
paid to, or value received by, Employee following a "Change of Control"
constitutes an "excess parachute payment" within the meaning of Internal Revenue
Code Section 280G, then the parties shall negotiate a restructuring of payment
dates and/or methods (but not payment amounts) to

                                      -7-
<PAGE>

minimize or eliminate the application of Internal Revenue Code Section 280G. If
an agreement to restructure payments cannot be reached within 60 days of the
date the first payment is due under this Agreement, then payments shall be made
without restructuring. The amount of any payment shall be increased to the
extent necessary to hold Employee harmless from all income and excise tax
liability attributable to such payment.

            (c) Notwithstanding the foregoing of this paragraph 2, if the Board
of Directors of Employer elects to make a single lump sum payment to Employee
pursuant to paragraph 6(a)(vi) of the Employment Agreement, Employer shall pay
all benefits due Employee pursuant to this Agreement in an actuarial equivalent
single lump sum payment within 90 days following a Change of Control and
Employee's termination of employment with Employer. In the event a single lump
sum payment is made pursuant to the foregoing sentence, the amount of the
payment shall be increased to the extent necessary to hold Employee harmless
from all income and excise tax liability attributable to such single lump sum
payment.

      3. Construction and Severability.

            The invalidity of any one or more provisions of this Agreement or
any part thereof, all of which are inserted conditionally upon their being valid
in law, shall not affect the validity of any other provisions to this Agreement;
and in the event that one or more provisions contained herein shall be invalid,
as determined by a court of competent jurisdiction, this instrument shall be
construed as if such invalid provisions had not been inserted. This Agreement
shall be interpreted and applied in all circumstances in a manner that is
consistent with the intent of the parties that the amount earned and vested
pursuant to this Agreement

                                      -8-
<PAGE>

through December 31, 2004 shall not be subject to the requirements of Internal
Revenue Code Section 409A.

      4. Governing Law. This Agreement was executed and delivered in New York
and shall be construed and governed in accordance with the laws of the State of
New York.

      5. Assignability and Successors. This Agreement may not be assigned by
Employee or Employer, except that this Agreement shall be binding upon and shall
inure to the benefit of the successor of Employer through merger or corporate
reorganization.

      6. Miscellaneous. This Agreement constitutes the entire understanding and
agreement between the parties with respect to the subject matter hereof and
shall supersede all prior understandings and agreements regarding supplemental
retirement benefits earned through December 31, 2004, including the March 1,
2004 version of this Agreement. This Agreement cannot be amended, modified, or
supplemented in any respect, except by a subsequent written agreement entered
into by the parties hereto.

      7. Counterparts. This Agreement may be executed in counterparts (each of
which need not be executed by each of the parties), which together shall
constitute one and the same instrument.

      8. Jurisdiction, Venue and Fees. The jurisdiction of any proceeding
between the parties arising out of, or with respect to, this Agreement shall be
in a court of competent jurisdiction in New York State, and venue shall be in
Onondaga County. Each party shall be subject to the personal jurisdiction of the
courts of New York State. If Employee is a party in a proceeding to collect
payments due pursuant to this Agreement and prevails in collecting payments due
in the proceeding or settlement of the proceeding, Employer shall reimburse

                                      -9-
<PAGE>

Employee for reasonable attorneys' fees incurred by Employee in connection with
such proceeding.

            The foregoing is established by the following signatures of the
parties.

                                        COMMUNITY BANK SYSTEM, INC.

                                        By: /s/ James A. Gabriel
                                            -----------------------------

                                        Its: Chairman

                                        Date: February 15, 2005

                                        COMMUNITY BANK, N.A.

                                        By: /s/ James A. Gabriel
                                            -----------------------------

                                        Its: Chairman

                                        Date: February 15, 2005

                                        /s/ Sanford A. Belden
                                        ---------------------------------
                                        SANFORD A. BELDEN

                                        Date: February 15, 2005

                                      -10-Exhibit 10.18

                           CHANGE OF CONTROL AGREEMENT

                  This CHANGE OF CONTROL AGREEMENT is dated as of November 30,
2001 between COMMUNITY BANK SYSTEM, INC., a Delaware Corporation and registered
bank holding company ("CBSI"), and COMMUNITY BANK, N.A., a wholly-owned
subsidiary of CBSI, having an office in DeWitt, New York ("CBNA") (CBSI and CBNA
are referred to collectively in this Agreement as the "Employer"), and W. Valen
McDaniel ("Employee").

                                    Recitals

      A.    Employee is currently employed by CBNA in a senior management
            capacity.

      B.    Employer desires to retain the services of Employee and to induce
            Employee to remain with CBNA.

      C.    In consideration of the agreements of the parties contained in this
            Agreement, and intending to be legally bound by the terms of this
            Agreement, the parties agree as follows:

                                      Terms

1. Term of Agreement.

      The term of this Agreement shall be for the period from the date of the
Agreement to December 31, 2005 and shall automatically expire effective December
31, 2005.

<PAGE>

2. Change of Control.

      (a) Subject to the limitations described in paragraphs 2(d), (e), (f) and
(g), if Employee's employment by CBNA shall cease for any reason, including
Employee's voluntary termination, but not including Employee's termination for
"cause" (as defined in paragraph 3), within 1 year following a "Change of
Control" that occurs during the term of this Agreement, Employer shall:

            (i) Pay to Employee an aggregate severance benefit equal to (A) the
greater of 150 percent of Employee's then current Base Salary or the severance
benefit otherwise due Employee, plus (B) an amount equal to the Management
Incentive paid to Employee in the year previous to the year during which the
"Change of Control" occurs; and

            (ii) Treat as immediately exercisable all options granted by CBSI to
Employee to acquire CBSI common stock that are not exercisable or that have not
been exercised, so as to permit Employee to purchase the balance of CBSI stock
not yet purchased until the end of the exercise period provided in the original
grant of the option right; and

            (iii) Treat as immediately vested all restricted CBSI stock held by
Employee; and

            (iv) Provide Employee with continuation of life and health insurance
benefits, under the same terms and conditions (including cost) that Employer
provides such insurance to its active employees, until payments under paragraph
2(a)(i) above have been paid in full.

      (b) The severance benefit payable under paragraph 2(a)(i) above shall be
payable in substantially equal installments over a period of eighteen months or
longer if provided for under Employer's established severance policy.

<PAGE>

      (c) The provision of health insurance to Employee during the period
described in paragraph 2(a)(iv) shall not be credited towards Employer's
obligation to provide continuation of health insurance coverage under the
Consolidated Omnibus Reconciliation Act of 1985 ("COBRA"). Accordingly, upon
expiration of the period described in paragraph 2(a)(iv), Employee (and
Employee's qualified beneficiaries) shall be eligible to commence continuation
coverage under the COBRA provisions of Employer's group health plan(s).

      (d) In no event shall the aggregate of all amounts paid to, or value
received by, Employee following a "Change of Control" (whether paid or received
pursuant to this paragraph 2 or otherwise) exceed the maximum aggregate amount
or value that could be paid to, or received by, Employee without such aggregate
amount being treated as a "parachute payment" within the meaning of Internal
Revenue Code Section 280G.

      (e) Employer shall not be obligated to provide or continue the payments
specified in paragraph 2(a)(i) above, if Employer, within the one-year period
following such Change of Control, provides Employee, and Employee accepts, a
position within Employer's organization of comparable responsibility and
compensation. Employer shall allow Employee to maintain such alternative
position for a period of not less than one year from the date of acceptance.

      (f) As provided in paragraph 2(a) above, Employee may voluntarily
terminate his employment with CBNA within 1 year following a Change of Control,
and receive all of the payments and benefits specified in 2(a) above. In the
event of such a voluntary termination, the payments specified in paragraph
2(a)(i) shall be reduced by any non-Employer related wages or self-employment
income derived by Employee during the period payments are made under paragraph
2(a)(i).

<PAGE>

      (g) Payments made and benefits provided pursuant to this paragraph 2 shall
be subject to withholding for income, employment and other similar taxes
Employer may be required to withhold.

      (h) For purposes of paragraph 2(a), a "Change of Control," shall be deemed
to have occurred if:

            (i) any "person," including a "group" as determined in accordance
with the Section 13(d)(3) of the Securities Exchange Act of 1934 ("Exchange
Act"), is or becomes the beneficial owner, directly or indirectly, of securities
of CBSI or CBNA representing 30% or more of the combined voting power of CBSI's
or CBNA's then outstanding securities;

            (ii) as a result of, or in connection with, any tender offer or
exchange offer, merger or other business combination (a "Transaction"), the
persons who were directors of CBSI or CBNA before the Transaction shall cease to
constitute a majority of the Board of Directors of CBSI or CBNA or any successor
to either;

            (iii) CBSI or CBNA is merged or consolidated with another
corporation and as a result of the merger or consolidation less than 70% of the
outstanding voting securities of the surviving or resulting corporation shall
then be owned in the aggregate by the former stockholders of CBSI or CBNA, other
than (A) affiliates within the meaning of the Exchange Act, or (B) any party to
the merger or consolidation;

            (iv) a tender offer or exchange offer is made and consummated for
the ownership of securities of CBSI or CBNA representing 30% or more of the
combined voting power of CBSI's or CBNA's then outstanding voting securities; or

            (v) CBSI or CBNA transfers substantially all of its assets to
another corporation which is not controlled by CBSI or CBNA.

<PAGE>

3. Termination "For Cause"

      (a) Notwithstanding any contrary provision contained in paragraph 2, CBSI
or CBNA may terminate this Agreement "for cause" (defined below) at any time,
effective upon receipt by Employee of written notice of termination. Upon
termination of employment "for cause," Employee shall be entitled only to the
salary due Employee from Employer to the date of receipt by Employee of written
notice of termination and Employee shall forfeit any and all stock options
granted by CBSI or CBNA that remain unexercised as of the date of the written
termination notice and any and all shares of restricted CBSI stock that are not
vested as of the date of the written termination notice.

      (b) Termination "for cause" for purposes of this Agreement shall include,
but not be limited to, any of the following:

            (i) any act of dishonesty or fraud, acts of moral turpitude, or the
commission of a felony; or

            (ii) breach of duty or obligation to CBSI or CBNA or receipt of
financial or other economic profit or gain as a result of or in any way arising
out of Employee's position with CBNA and failure to account to CBSI or CBNA for
such profits or other gains; or

            (iii) disclosure of confidential or private Employer information or
aiding a competitor of Employer (or any affiliate of Employer) to the detriment
of Employer (or any affiliate of Employer).

4. Miscellaneous.

      (a) Notices. Any and all notices with respect to this Agreement shall be
sufficient if furnished personally in writing or sent by certified mail, return
receipt requested, to the last known address or other address designated by the
parties to this Agreement.

<PAGE>

      (b) Entire Agreement: Release From Prior Agreements. This Agreement
represents the entire agreement between the parties and specifically supersedes
any and all oral or written agreements previously entered into by the parties,
and each party releases the other party of all obligations and liabilities with
respect to any prior employment agreements between the parties.

      (c) Governing Law. This Agreement, having been made and duly executed
within the State of New York, shall be construed and governed in accordance with
and pursuant to New York law.

      (d) Waiver. In the event that any breach of this Agreement by Employee or
Employer is waived by act or failure to act, such waiver shall not constitute a
waiver of any subsequent breach by either party.

      (e) Severability. If any provision of this Agreement shall be held invalid
or unenforceable, such invalidity or unenforceability shall affect only that
particular provision and shall not affect or render invalid or unenforceable any
other provision of this Agreement, and this Agreement shall be carried out as if
any such invalid or unenforceable provision were not a part of the Agreement.

      (f) Binding Effect. This Agreement shall be binding upon and shall inure
to the benefit of the successors, assigns, legal representatives and heirs of
the parties.

      (g) Arbitration and Fees. Any dispute between the parties relating to the
terms of this Agreement, or any interpretation, construction or enforcement
hereof, shall first be submitted to non-binding arbitration in Syracuse, New
York in accordance with the rules and regulations of the American Arbitration
Association then in effect. Each party shall be responsible for its own costs
and expenses in pursuing non-binding arbitration, and any arbitration fees or
costs shall be shared equally between the parties. However, if Employee is a
party in an arbitration to collect

<PAGE>

payments due pursuant to this Agreement and prevails in collecting payments due
in the arbitration or settlement of the arbitration. Employer shall reimburse
Employee for reasonable attorneys' fees incurred by Employee in connection with
such arbitration.

      (h) Personal Qualifications. It is hereby agreed that this Agreement and
the employment of Employee pursuant hereto is personal in nature, and that
Employee possesses highly specialized skills and abilities. For such reason and
in accordance with applicable provisions of New York State law, this agreement
may not be assigned by Employee, and as to the obligations to be performed by
Employee, other than the rendering or personal service as an employee ofCBNA,
this Agreement shall be binding upon Employee's heirs and/or administrators and
executors.

<PAGE>

      IN WITNESS WHEREOF, the parties have signed this Agreement after full
opportunity to read and discuss the provisions of the Agreement, and both
parties voluntarily assent to this Agreement with full understanding of its
provisions.

                                        EMPLOYEE

                                        /s/ W. Valen McDaniel                  .
                                        ---------------------------------------
                                        W. Valen McDaniel

                                        COMMUNITY BANK SYSTEM, INC.

                                        By: /s/ Sanford A. Belden              .
                                        ---------------------------------------
                                        Sanford A. Belden

                                        COMMUNITY BANK, N.A.

                                        By: /s/ Sanford A. Belden              .
                                        ---------------------------------------
                                        Sanford A. Belden

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