Document:

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                                 EXHIBIT 10.2

                          CHANGE OF CONTROL AGREEMENT
                          ---------------------------

          THIS AGREEMENT made as of August 15, 2000, by and between UNITED
BANKSHARES, INC., a West Virginia corporation and registered bank holding
company (the "Company"), and ____________________, an executive officer of the
Company (the "Executive").

          WHEREAS, the Executive is currently employed by the Company or one of
its banking subsidiaries; and

          WHEREAS, recent and anticipated changes in the banking industry have
caused uncertainty relative to future ownership and management of the Company
and other banking organizations; and

          WHEREAS, the Board of Directors of the Company (the "Board")
recognizes that the Executive's contribution to the growth and success of the
Company has been substantial; and

          WHEREAS, the Company believes it is in the best interest of the
Company to grant the Executive and certain other key management personnel a
level of security to preserve a nucleus of key management.

          NOW THEREFORE, in consideration of the promises and the respective
covenants and agreements of the parties herein contained, the Company and
Executive contract and agree as follows:

          1.   Definitions. The following definitions shall apply to designated
phrases used in this Agreement.

               a.   "Change of Control" means (i) a change of ownership of the
Company which must be reported to the Securities and Exchange Commission as a
change of control, including but not limited to the acquisition by any "person"
(as such term is used in Sections 13(d) and 14(d) of the Securities and Exchange
Act of 1934 (the "Exchange Act")), of direct or indirect "beneficial ownership"
(as defined by Rule 13d-3 under the Exchange Act) of twenty-five percent (25%)
or more of the combined voting power of the Company's then outstanding
securities; or (ii) the failure during any period of two (2) consecutive years
of individuals who at the beginning of such period constitute the Board for any
reason to constitute at least a majority thereof, unless the election of each
director who was not a director at the beginning of such period has been
approved in advance by directors representing at least two- thirds (2/3) of the
directors at the beginning of the period.

               b.   "Good Cause" includes (i) termination for continued poor
work performance after reasonable opportunity to correct deficiencies; (ii)
termination for behavior outside or on the job which affects the ability of
management of the Company or co-workers to perform their jobs and which is not
corrected after reasonable warning; (iii) termination for failure to devote
reasonable time to the job which is not corrected after reasonable warning; and

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(iv) any other reasonable deficiency in performance by the Executive which is
not corrected after reasonable warning.

               c.   "Disability" means total and permanent disability as defined
by Company's (or its successor's) Long-Term Disability Plan.

               d.   "Retirement" means termination of employment by an Executive
in accordance with Company's (or its successor's) retirement plan, including
early retirement, generally applicable to its salaried employees.

               e.   "Good Reason" means (i) a Change of Control in the Company
(as defined above), as well as and as a direct result thereof, (a) a decrease in
the total amount of the Executive's base salary below its level in effect on the
date of consummation of the Change of Control, without the Executive's consent;
or (b) a material reduction in the importance of the Executive's job
responsibilities without the Executive's consent; or (c) a geographical
relocation of the Executive to an office more than fifty (50) miles from the
Executive's location at the time of the Change of Control without the
Executive's consent; (ii) failure of Company to obtain assumption of this
Agreement by its successor, or (iii) any purported termination of the
Executive's employment which is not effected pursuant to a Notice of Termination
required in paragraph 2.

               f.   "Wrongful Termination" means termination of the Executive's
employment by the Company or its affiliates for any reason other than Good Cause
or the death, Disability or Retirement of Executive prior to the expiration of
thirty-six (36) months after consummation of the Change of Control.

          2.   Termination for Good Reason or for Cause; Notice of Termination.
               ---------------------------------------------------------------
The Executive may terminate his employment with the Company or its affiliates
for Good Reason. In the event of a Change of Control, the Company may terminate
Executive's employment only for Good Cause within thirty-six months after
consummation of Change in Control. Any termination of the Executive's employment
by the Company or by the Executive shall be communicated by written Notice of
Termination to the other party hereto. For purposes of this Agreement, a "Notice
of Termination" shall mean a notice which shall indicate the specific
termination provision in this Agreement relied upon and which shall set forth in
reasonable detail the facts and circumstances claimed to provide a basis for the
termination of the Executive's employment under the provision so indicated.

          3.   Date of Termination. Date of Termination shall mean the date on
               -------------------
which Notice of Termination is given.

          4.   Compensation of Executives Upon Termination for Good Reason or
               --------------------------------------------------------------
Wrongful Termination.
--------------------

               a.   Except as hereinafter provided, if the Executive terminates
his employment with the Company for Good Reason or the Company terminates the
Executive's employment in a manner constituting Wrongful Termination, the
Company hereby agrees to pay the Executive a cash payment equal to the
Executive's monthly base salary in effect on either (i)

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the Date of Termination; or (ii) the date immediately preceding the Change of
Control, whichever is higher, multiplied by the number of full months between
the Date of Termination and the date that is thirty-six (36) months after the
date of consummation of the Change of Control.

               b.   For the year in which termination occurs, the Executive will
be entitled to receive his reasonable share of the Company's cash incentive
award allocated in accordance with existing principles and authorized by the
Board of Directors. The amount of the Executive's cash incentive award shall not
be reduced due to the Executive not being actively employed for the full year.

               c.   The Executive will continue to participate, without
discrimination, for thirty-six (36) months following the Date of Termination in
benefit plans (such as retirement, disability and medical insurance) maintained
after any Change of Control for employees, in general, of the Company, or any
successor organization, provided the Executive's continued participation is
possible under the general terms and conditions of such plans. In the event the
Executive's participation in any such plan is barred, the Company shall arrange
to provide the Executive with benefits substantially similar to those which the
Executive would have been entitled had his participation not been barred.
However, in no event will the Executive receive from the Company the employee
benefits contemplated by this section if the Executive receives comparable
benefits from any other source.

          5.   Other Employment. The Executive shall not be required to mitigate
               ----------------
the amount of any payment provided for in this Agreement by seeking other
employment, nor shall the amount of any payment provided for in this Agreement
be reduced by any compensation earned or benefits provided as the result of
employment by another employer after the Date of Termination.

          6.   Rights of Company Prior to the Change of Control. This Agreement
               ------------------------------------------------
shall not effect the right of the Company to terminate the Executive, or change
the salary or benefits of the Executive, with or without Good Cause, prior to
any Change of Control; provided, however, any termination or change which takes
place after discussions have commenced which result in a Change of Control shall
be presumed to be a violation of this Agreement which entitled the Executive to
the benefits hereof, absent clear and convincing evidence to the contrary.

          7.   Successors; Binding Agreement.
               -----------------------------

               a.   The Company will require any successor (whether direct or
indirect, by purchase, merger, consolidation or otherwise) to all or
substantially all of the business and/or assets of the Company, by agreement in
form and substance satisfactory to the Executive, to expressly assume and agree
to perform this Agreement in the same manner and to the same extent that the
Company would be required to perform it if no such succession had taken place.
Failure of the Company to obtain such agreement prior to the effectiveness of
any such succession shall be a breach of this Agreement and shall entitle the
Executive to compensation from the Company in the same amount and on the same
terms as he would be entitled to hereunder if he terminated his employment for
Good Reason. As used in this

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Agreement, "Company" shall mean the Company as hereinbefore defined and any
successor to its business and/or assets as aforesaid which executes and delivers
the agreement provided for in this paragraph or which otherwise becomes bound by
all the terms and provisions of this Agreement by operation of law.

               b.   This Agreement and all rights of the Executive hereunder
shall inure to the benefit of and be enforceable by the Executive's personal or
legal representatives, executors, administrators, successors, heirs,
distributees, devisees, and legatees. If the Executive should die while any
amounts would still be payable to him hereunder if he had continued to live, all
such amounts, unless otherwise provided herein, shall be paid in accordance with
the terms of this Agreement to the Executive's devisee, legatee, or other
designee or, if there be no such designee, to the Executive's estate.

          8.   Notice. For the purposes of this Agreement, notices, demands and
               ------
other communication provided for in the Agreement shall be in writing and shall
be deemed to have been duly given when delivered or (unless otherwise specified)
mailed by United States registered mail, return receipt requested, postage
prepaid, addressed as follows:

          If to the Executive:

               _______________________________________
               Name

               _______________________________________
               Street Address

               _______________________________________
               City, State, Zip

          If to the Company:

          Chief Executive Officer

               United Bankshares, Inc.
               514 Market Street
               Parkersburg, West Virginia 26101

or 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.

          9.   Miscellaneous. No provisions of this Agreement may be modified,
               -------------
waived or discharged unless such waiver, modification or discharge is agreed to
in writing signed by the Executive and the Company's Chief Executive Officer or
such other officer as may be specifically designated by the Board. No waiver by
either party hereto at any time of any breach by the other hereto of, or
compliance with, any condition or provision of this Agreement to be performed by
such other party shall be deemed a waiver of similar or dissimilar provisions or
conditions at the same or any prior or subsequent time. No agreements or
representations, oral or otherwise, express or implied, with respect to the
subject matter hereof have been made by either party which are not set forth
expressly in this Agreement. The validity, interpretation

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construction and performance of this Agreement shall be governed by the laws of
the State West Virginia.

          10.  Validity. The invalidity or unenforceability of any provision or
               --------
provision of this Agreement shall not affect the validity or enforceability of
any other provision of this Agreement, which shall remain in full force and
effect.

          11.  Counterparts. This Agreement may be executed in one or more
               ------------
counterparts, each of which shall be deemed to be an original but all of which
together will constitute one and the same instrument.

          12.  Legal Fees. Company shall pay all reasonable legal fees and
expense incurred by Executive in enforcing any right or benefit provided by this
Agreement.

          IN WITNESS WHEREOF, the parties have caused this Agreement to be
signed as of the day and year first above written.

                                         UNITED BANKSHARES, INC.

                                         By ___________________________________

                                            Its _______________________________

Attest:

_______________________________

                                         ______________________________________
                                         Executive

                                      128<PAGE>

                                                                    Exhibit 10.8

                         EXECUTIVE EMPLOYMENT AGREEMENT
                         ------------------------------

     This Employment Agreement ("Agreement") is made and entered into this 6th
day of August, 1999 by and among Sky Financial Group, Inc., an Ohio corporation
("Sky") and Thomas J. O'Shane (the "Executive").

1.   Recitals
     --------

     (a) On July 18, 1995 the Executive entered into an Agreement ("Change in
Control Agreement") with First Western Bancorp, Inc. ("First Western").

     (b) On December 14, 1998 Sky and First Western entered into an Agreement
and Plan of Merger ("Merger Agreement").

     (c) Pursuant to Section 6.26 of the Merger Agreement, the Executive has
received or will receive all amounts due to him under the Change in Control
Agreement and wishes to enter into this Agreement with Sky.

     (d) In consideration of the mutual promises contained herein and other good
and valuable consideration, receipt of which is hereby acknowledged, the
Executive and Sky have entered into this Agreement.

2.   Term of Employment
     ------------------

     Except as otherwise provided in this Agreement, Sky agrees to employ
Executive and Executive agrees to be employed by Sky for a period of ten (10)
years commencing on the closing date of the Merger Agreement ("Term of
Employment").

3.   Nature of Duties
     ----------------

     (a) The Executive agrees to serve Sky during the Term of Employment. The
Executive agrees (i) to devote his full business time during normal business
hours to the business and affairs of Sky (except as otherwise provided herein)
(ii) to use his best efforts to promote the interests of Sky and (iii) to
perform faithfully and efficiently the responsibilities assigned to him in
accordance with the terms of this Agreement. The Executive shall report directly
to the Chief Executive Officer or Chief Operating Officer of Sky (as designated
by Sky from time to time), and shall have such responsibilities, consistent with
his office, as may from time be prescribed by such officer.

     (b) Sky agrees that it will not (i) assign to the Executive duties
inconsistent with the duties attendant with his position, or (ii) change his
reporting responsibilities, titles or offices as currently in effect, or (iii)
remove him from, or fail to include his name on the management-endorsed slate of
directors for, any of such positions, except in connection with the termination
of his employment for Cause, Disability or Retirement or as a result of his
death or voluntary termination.
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     (c) Sky shall cause its Executive Committee to nominate the Executive for
election to the Sky Board of Directors ("Sky Board") and the Sky Executive
Committee.

4.   Place of Employment
     -------------------

     Unless otherwise specified by Sky from time to time, the Executive's place
of employment shall be at First Western's former Executive Offices located in
New Castle, Pennsylvania ("New Castle"). If Sky wishes to relocate the Executive
to an area at least thirty-five (35) miles outside of New Castle, Sky will pay
(or reimburse) all reasonable moving expenses incurred by the Executive relating
to a change of principal residence in connection with such relocation. Upon such
relocation, Sky will purchase the Executive's current residence at a price equal
to its fair market value if the Executive fails to sell such residence within 90
days of relocation. Notwithstanding the foregoing, Sky's moving expense and
residence purchase obligations under this Section 4 shall terminate three (3)
years after the date of this Agreement, and thereafter, Executive shall be
entitled to the benefits contained in Sky's Executive Relocation Benefit Plan.

5.   Compensation
     ------------

     (a) Base Salary. During the Term of Employment, the Executive shall receive
         -----------
an annual base salary (the "Base Salary"), payable in accordance with Sky's
normal payroll practices, at an annual rate of Two Hundred Seventy-Five Thousand
Dollars ($275,000.00). The Base Salary may be increased or decreased at any time
and from time to time by action of the Sky Board; provided, that the Base Salary
shall never be decreased below an annual rate equal to Two Hundred Seventy-Five
Thousand Dollars ($275,000.00).

     (b) Bonuses. During the Term of Employment, the Executive shall have an
         -------
opportunity to receive an annual bonus ("Bonus") of at least 50% of Base Salary
within 60 calendar days following the end of each fiscal year based upon
performance in accordance with either the Sky incentive compensation plan or as
the Sky Board determines for Executive from time to time.

     (c) Annual Salary. Collectively, the Base Salary and Bonus shall be
         -------------
referred to as "Annual Salary".

     (d) Stock Options. At the same time that Sky normally awards stock options
         -------------
to its officers, but in no event later than December 31, 1999, Sky shall use its
best efforts to cause its compensation committee to award to the Executive stock
options for 25,000 shares of Sky common stock pursuant and subject to Sky's 1998
Stock Option Plan for Employees. Sky agrees to recommend to the compensation
committee the award of such options to the Executive.

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     6. Benefit Plans. Sky shall provide the Executive the following benefits as
        -------------
provided herein.

     (a) During the term of this Agreement, the Executive shall be entitled to
participate, if eligible, in all employee benefit plans which are generally
afforded by Sky to its executive employees from time to time ("Benefit Plans").
As provided in the Merger Agreement for the benefit of all employees, the
Executive shall be credited with years of First Western (or predecessor) service
for purposes of eligibility and vesting in the Benefit Plans.

     (b) Notwithstanding paragraph (a) above, the Executive shall be entitled to
the following perquisites during the term of this Agreement:

          (i) Sky shall cause the car previously owned by First Western and used
by the Executive, to be transferred to the Executive.

          (ii) Sky shall pay the following club dues and assessments on behalf
of the Executive: Oakmont Country Club, Laurel Valley Country Club.

7.   Noncompetition, Nonsolicitation and Nondisclosure
     -------------------------------------------------

     (a) The Executive agrees that during the period in which the Executive is
employed by Sky and for two years thereafter the Executive shall not, without
the prior written consent of Sky either directly or indirectly, solicit, attempt
to solicit, take away, attempt to take away, or otherwise interfere with Sky's
relationship with any customer (including any customer in Sky's data base), or
Qualified Prospective Customer or otherwise compete with Sky with respect to any
customer or Qualified Prospective Customer.  For purposes of this Agreement, the
term "Qualified Prospective Customer" shall mean any person, organization or
other entity that (i) is reflected on Sky's prospective customer mailing list or
(ii) has been contacted by Sky as part of its marketing or sales efforts at any
time during the five year period prior to the termination of Executive's
employment with Sky.  For purposes of this Section 7, the term "Sky" shall mean
Sky Financial Group, Inc. and all of its subsidiaries and affiliates.

     During the period in which the Executive is employed by Sky, and for a
period of two years thereafter the Executive will not in the Geographical Area
(as hereafter defined),  without Sky's prior written consent, directly or
indirectly engage in, make any investment in or have any interest in any
business in competition with the business of Sky; and the Executive will not
advise, assist or render services, or refer customers, either directly or
indirectly, to any person, firm, company, corporation or business (other than
Sky) with reference to any business in competition with the business engaged in
by Sky during the Executive's employment by Sky.  Notwithstanding the foregoing,
the Executive may own less than five percent (5%) of the combined voting power
of all issued and outstanding voting securities of any publicly-held corporation
whose stock is traded on a major stock exchange or quoted on NASDAQ.

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     Notwithstanding the foregoing, if the Executive voluntarily terminates his
employment with Sky after the third year of the Term of Employment, other than
for Good Reason, Retirement or Disability, then the restrictions contained in
this Section 7(a) shall apply for the original Term of Employment unless the
Executive voluntarily waives his rights to all continued Base Salary payments
under Section 12A(iii) hereof, but in no event shall the restrictions in Section
7(a) apply for less than two years after the date of the Executive's voluntary
termination of employment.

     As used herein, the term "Geographical Area" means the geographical areas
consisting of a fifty (50) mile radius of each of Sky's facilities in which
it conducts banking business in operation during the period in which the
Executive is employed by Sky and, upon the Executive's termination of
employment such banking facilities in operation at the time of such employment
termination.

     (b) The Executive agrees that he shall not at any time (whether during or
after the Executive's termination of employment with Sky), without the prior
written consent of Sky, either directly or indirectly (i) solicit (or attempt to
solicit) induce, (or attempt to induce), cause or facilitate any employee,
director, agent, consultant, independent contractor, representative or associate
of Sky to terminate his, her or its relationship with Sky, or (ii) solicit (or
attempt to solicit) induce (or attempt to induce), cause or facilitate any
supplier of services or products to Sky to terminate or change his, her or its
relationship with Sky, or otherwise interfere with any relationship between
Sky's suppliers of products or services.

     (c) The Executive agrees that he shall not at any time (whether during or
after the period of his employment with Sky) directly or indirectly copy,
disseminate or use, for the Executive's personal benefit or the benefit of any
third party, any Confidential Information, regardless of how such Confidential
Information may have been acquired, except for the disclosure of such
Confidential Information as may be (i) in keeping with the performance of the
Executive's employment duties with Sky, (ii) as required by law, or (iii) as
authorized in writing by either the Chief Executive Officer or Chief Operating
Officer of Sky.  For purposes of this Agreement, the term "Confidential
Information" shall mean all information or knowledge belonging to, used by, or
which is in the possession of Sky relating to the Sky's business, business
plans, strategies, pricing, sales methods, customers or Qualified Prospective
Customers (including, without limitation, the names, addresses or telephone
numbers of such customers or Qualified Prospective Customers), technology,
programs, finances, costs, employees (including, without limitation, the names,
addresses or telephone numbers of any employees), employee compensation rates or
policies, marketing plans, development plans, computer programs, computer
systems, inventions, developments, trade secrets, know how or confidences of the
Sky or Sky's business, without regard to whether any of such Confidential
Information may be deemed confidential or material to any third party, and Sky
and the Executive hereby stipulate to the confidentiality and materiality of all
such Confidential Information.  The Executive acknowledges that all of the
Confidential Information is and shall continue to be the exclusive proprietary
property of Sky, whether or not prepared in whole or in part by the Executive
and whether or not disclosed to or entrusted to the custody of the Executive.
The Executive agrees that upon the termination of the Executive's employment
with Sky for any reason, the Executive will return promptly to Sky all
memoranda, notes, records, reports, manuals, pricing lists, prints and other
documents (and all copies thereof)

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relating to Sky's business which he may then possess or have with the
Executive's control, regardless of whether any such documents constitute
Confidential Information. The Executive further agrees that he shall forward to
Sky all Confidential Information which at any time (including after the period
of his employment with Sky) should come into the Executive's possession or the
possession of any other person, firm or entity with which the Executive is
affiliated in any capacity.

8.   Termination for Cause
     ---------------------

     Sky may terminate Executive's employment for Cause. For purposes of this
Agreement, Sky shall have "Cause" to terminate Executive's employment hereunder
upon (A) the willful and continued failure by Executive to substantially perform
his duties to the detriment of Sky (other than any such failure resulting from
his incapacity due to physical or mental illness), after a written demand for
substantial performance is delivered to Executive by the Sky Board which
specifically identifies the manner in which the Sky Board believes that
Executive has not substantially performed his duties to Sky's detriment, or (B)
the willful engaging by Executive in gross misconduct materially and
demonstrably injurious to Sky. For purposes of this Section 8, no act, or
failure to act, on Executive's part shall be considered "willful" unless done,
or omitted to be done, by Executive not in good faith and without reasonable
belief that Executive's action or omission was in the best interest of Sky.
Notwithstanding the foregoing, Executive shall not be deemed to have been
terminated for Cause unless and until there shall have been delivered to
Executive a copy of a resolution duly adopted by the affirmative vote of not
less than two-thirds of the entire membership of the Sky Board at a meeting of
the Sky Board called and held for the purpose (after reasonable notice to
Executive and an opportunity for Executive together with his counsel, to be
heard before the Sky Board), of finding that in the good faith opinion of the
Sky Board, Executive was guilty of conduct set forth above in Clauses (A) or (B)
of the first sentence of this Section 8 and specifying the particulars thereof
in detail.

9.   Termination for Death or Disability
     -----------------------------------

     (a) Sky may terminate this Agreement on account of the Executive's death,
or for "Disability" if the Executive is "Disabled". For purposes of this
Agreement, the Executive shall be considered Disabled only if, as a result of
his incapacity due to physical or mental illness, he shall have been absent from
his duties with Sky on a full-time basis for 180 consecutive days and a
physician selected by him and approved by the Board is of the opinion that (i)
he is suffering from "Total Disability" as defined in Sky's pension plan and
(ii) within thirty (30) days after written Notice of Termination is given, he
shall not have returned to the full-time performance of his duties.

     (b) If this Agreement terminates on account of the Executive's death, Sky
shall pay to the Executive's designated beneficiary or otherwise to his estate,
a monthly salary for a period of two years equal to the Executive's monthly
portion of the Annual Salary then in effect. In addition, subject to the terms
of the Benefit Plans, until the date the Executive would have attained normal
retirement age of 65, insurance and health care benefits shall be provided to
Executive's spouse equivalent to the benefits to which the Executive was
entitled immediately preceding his death.

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     (c) If Sky terminates this Agreement because the Executive is Disabled the
payment of the Executive's Annual Salary shall cease, and the Executive's
benefits shall be determined in accordance with Sky's Long-Term Disability
Insurance Plan, or substitute plan then in effect.

     (d) During any period that the Executive fails to perform his duties
hereunder as a result of incapacity due to physical or mental illness, he shall
continue to receive his Annual Salary then in effect until this Agreement is
terminated pursuant to Section 9(a) hereof.

10.  Termination Upon Retirement
     ---------------------------

     This Agreement will terminate upon the Executive's Retirement. For purposes
of this Agreement, "Retirement" shall mean termination of the Executive's
employment with his consent in accordance with Sky's retirement policy
(including early retirement) generally applicable to its salaried employees or
in accordance with any retirement arrangement established with the Executive's
consent with respect to him.

11.  Termination of Employment by the Executive for Good Reason
     ----------------------------------------------------------

     The Executive may terminate his employment for "Good Reason." For purposes
of this Agreement, Good Reason will exist if any one or both of the following
occur:

     (a) Sky's failure to honor any of its obligations under Sections 3, 4, 5,
6, or 16, but only if Sky is first given written notice specifying the nature of
the breach and Sky failed or refused to remedy such breach within a period of
thirty (30) days after the receipt of such notice; or

     (b) Any purported termination of the Executive's employment (other than
termination by death or Retirement) that is not effected pursuant to a Notice of
Termination satisfying the requirements of Section 17 below and, for purposes of
this Agreement, no such purported termination shall be effective.

12.  Compensation Upon Termination Without Cause or for Good Reason
     --------------------------------------------------------------

     (a) If Sky shall terminate the Executive's employment without Cause (that
is, terminated for other than for Retirement, death, Disability or Cause) or if
the Executive shall terminate his employment for Good Reason pursuant to Section
11 hereof, then Sky shall pay to the Executive in a lump sum (except as provided
in Section 12(a)(iii) below) on the thirtieth (30th) day following the Date of
Termination (as hereafter defined), the following amounts:

          (i)  The Executive's Base Salary through the Date of Termination at
               the rate in effect at the time Notice of Termination (as
               hereafter defined) is given and the Executive's Bonus accrued
               through the Date of Termination as determined by the Sky Board;

                                       6
<PAGE>

          (ii) The amount, if any, of the deferred portion of any awards which
               pursuant to the Benefit Plans, have accrued to Executive whether
               vested or unvested, but which have not yet been paid to
               Executive;

         (iii) The amount equal to the sum of (A) the Executive's Base Salary
               and (B) the average of the prior two (2) Bonuses, payable at the
               times specified in Sections 5(a) and 5(b) hereof, for the
               remainder of the original Term of Employment (with such Base
               Salary and Bonus prorated for any partial year) (collectively,
               the "Remainder"). Sky shall have the option to pay the Remainder
               in a present value lump sum using a discount rate of 8% per
               annum; and

          (iv) Sky shall also pay all reasonable legal fees and expenses
               incurred by the Executive as a result of such termination
               (including all such fees and expenses, if any, incurred in
               contesting or disputing any such termination, in seeking to
               obtain or enforce any right or benefit provided by this
               Agreement, or in interpreting this Agreement).

12A. Compensation Upon Termination By Executive Without Good Reason After
     --------------------------------------------------------------------
     Year 3
     ------

     If the Executive shall voluntarily terminate his employment with Sky after
the third (3rd) year of the Term of Employment without Good Reason, then Sky
shall pay to the Executive in a lump sum (except as provided in Section 12A(iii)
below) on the thirtieth (30th) day following the date of termination (as
hereafter defined), the following amounts:

          (i)  The Executive's Base Salary through the Date of Termination at
               the rate in effect at the time Notice of Termination (as
               hereafter defined) is given and the Executive's Bonus accrued
               through the Date of Termination as determined by the Sky Board;

          (ii) The amount, if any, of the deferred portion of any awards which
               pursuant to the Benefit Plans, have accrued to Executive whether
               vested or unvested, but which have not yet been paid to
               Executive; and

         (iii) Unless the Executive has waived his rights thereto pursuant to
               Section 7(a) hereof, the amount equal to Executive's Base Salary
               payable at the times specified in Section 5(a) for the remainder
               of the original Term of Employment. Sky shall have the option to
               pay such amount in a present value lump sum using a discount rate
               of 8% per annum.

13.  Benefit Plans After Termination
     -------------------------------

     (a) Unless the Executive is terminated for Cause, Sky shall, to the extent
permitted by applicable law, permit the Executive to continue to participate in
Sky's group health plan until the

                                       7
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earlier of (i) the expiration of the original Term of Employment; or (ii) such
time as Executive secures new full time employment and group health plan
benefits pursuant to that employment have commenced, provided that continued
participation is possible under the general terms and provisions of Sky's group
health plan.

     (b) If the Executive is terminated for Cause, Sky shall, to the extent
permitted by applicable law, permit the Executive to continue to participate in
Sky's group health plan for one (1) year after the Date of Termination.

     (c) In the event that participation in Sky's group health plan is barred or
prohibited, Sky shall arrange to provide the Executive with benefits
substantially similar to those which he is entitled to receive under such plan.

     (d) At the end of the period of coverage, Executive shall have the option
to have assigned to him at no cost with no apportionment of prepaid premiums,
any assignable insurance policy owned by Sky and relating specifically to him.

     (e) Upon termination of the Executive's employment with Sky for any reason,
Sky shall, at the Executive's request, provide the Executive financing for
outstanding stock options on mutually agreeable terms and in compliance with
Federal Reserve Regulation O, as amended (12 C.F.R. Part 215).

14.  Optional Right of Disclaimer
     ----------------------------

     It is recognized that under certain circumstances:

     (a) Payments or benefits provided to the Executive under this Agreement
and/or under the Benefit Plans might give rise to an "excess parachute payment"
within the meaning of Section 280G of the Internal Revenue Code of 1986, as
amended, or any successor provision thereof (the "Code");

     (b) It might be beneficial to the Executive to disclaim some portion of the
payment or benefit in order to avoid such "excess parachute payment" and thus
avoid the imposition of an excise tax resulting therefrom;

     (c) Under such circumstances it would not be to the disadvantage of Sky to
permit the Executive to disclaim any such payment or benefit in order to avoid
the "excess parachute payment" and the excise tax resulting therefrom.

     Accordingly it is agreed that the Executive may at the Executive's option,
exercisable at any time or from time to time, disclaim his entitlement to any
portion of the payments or benefits arising under this Agreement and/or under
any Benefit Plans, which would constitute "excess parachute payments," and it
shall be the Executive's choice as to which payment or benefits shall be so

                                       8
<PAGE>

surrendered, if and to the extent that the Executive exercises such option, so
as to avoid "excess parachute payments."

15.  Mitigation
     ----------

     In the event Sky terminates the Executive's employment before the
expiration of the Term of Employment (other than for Cause, death, Disability or
Retirement), the Executive shall not be required to mitigate any damages by
seeking other employment nor shall any payment provided for in this Agreement be
reduced by any compensation earned by the Executive.

16.  Successors; Binding Agreement
     -----------------------------

     Sky will require any successor (whether direct or indirect, by purchase,
merger, consolidation or otherwise) to all or substantially all of the business
and/or assets of Sky, by agreement in form and substance satisfactory to the
Executive, to expressly assume and agree to perform this Agreement in the same
manner and to the same extent that Sky would be required to perform it if no
such succession had taken place. Failure of Sky to obtain such agreement prior
to the effectiveness of any such succession shall be a breach of this Agreement
and shall entitle the Executive to compensation from Sky in the same amount and
on the same terms as would apply if the Executive terminated his employment for
Good Reason, except that for purposes of implementing the foregoing, the date on
which any such succession becomes effective shall be deemed the Date of
Termination. As used in this Agreement, "Sky" shall mean Sky as hereinbefore
defined and any successors to the business and/or assets as aforesaid that
executes and delivers the agreement provided for in this section or which
otherwise becomes bound by all the terms and provisions of this Agreement by
operation of law. This Agreement shall inure to the benefit of and be
enforceable by the Executive's personal or legal representatives, executors,
administrators, successors, heirs, distributees, devisees and legatees. If the
Executive should die while any amount would still be payable hereunder had the
Executive continued to live, all such amounts, unless otherwise provided herein,
shall be paid in accordance with the terms of this Agreement to his devisee,
legatee, or other designee or, if there be no such designee, to his estate,
subject to the provisions under Section 9(b) of this Agreement with respect to
termination of employment on account of the Executive's death.

17.  Notice of Termination; Date of Termination
     ------------------------------------------

     (a) Any termination of the Executive's employment (other than termination
by death or Retirement) by Sky or the Executive shall be communicated by written
notice of termination to the other party thereto. For purposes of this
Agreement, a "Notice of Termination" shall mean a notice which shall indicate
the specific termination provision in this Agreement relied upon and shall set
forth in reasonable detail the facts and circumstances claimed to provide a
basis for termination of employment under the provision so indicate.

                                       9
<PAGE>

     (b) "Date of Termination" shall mean:

          (i)  If the Agreement is terminated for Disability, thirty (30) days
               after Notice of Termination is given (provided that the Executive
               shall not have returned to the performance of his duties on a
               full-time basis during such thirty (30) day period),

          (ii) If the Executive's employment is terminated for Good Reason, the
               date specified in the Notice of Termination, and

         (iii) If the Executive's employment is terminated for any other
               reason, the date on which a Notice of Termination is given;
               provided that if within thirty (30) days after any Notice of
               Termination is given, the party receiving such Notice of
               Termination notifies the other party that a dispute exists
               concerning the termination, the Date of Termination shall be the
               date on which the dispute is finally determined, either by mutual
               written agreement of the parties, by a binding and final
               arbitration award or by a final judgment, order or decree of a
               court of competent jurisdiction (the time for appeal therefrom
               having expired and no appeal having been perfected).

18.  Notices
     -------

     Notices and all other communications provided for in this Agreement shall
be in writing and shall be deemed to have been duly given when received, after
being mailed by United States registered mail, return receipt requested, postage
prepaid, provided that all notices to Sky shall be directed to the attention of
the Secretary of Sky, or to such other address as either 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.

19.  Miscellaneous
     -------------

     No provisions of this Agreement may be modified, waived or discharged
unless such modification, waiver or discharge is agreed to in writing signed by
the Executive and on behalf of Sky, such officer as may be specifically
designated by the Sky Board. No waiver by either party hereto at any time of any
breach by the other party hereto of, or compliance with, any condition or
provision of this Agreement to be performed by such other party shall be deemed
a waiver of similar or dissimilar provisions or conditions at the same or at any
prior or subsequent time. No agreements or representations, oral or otherwise,
express or implied, with respect to the subject matter hereof have been made by
any party which are not set forth expressly in this Agreement. The validity,
interpretation, construction and performance of this Agreement shall be governed
by the laws of the State of Ohio.

                                       10
<PAGE>

20.  Entire Agreement
     ----------------

     This Agreement constitutes the entire agreement of the parties hereto
relating to the subject matter hereof, and there are no written or oral terms or
representations made by either party other than those contained herein. This
Agreement supersedes and replaces any and all employment agreement and
agreements providing for payments for services between the Executive and First
Western, including but not limited to the Change in Control Agreement (it being
understood that Executive shall be paid under the Change in Control Agreement on
the closing date of the Merger), all of which are terminated upon the
Executive's execution of this Agreement.

21.  Validity
     --------

     The invalidity or unenforceability of any one or more provisions of this
Agreement shall not affect the validity or enforceability of any other provision
of this Agreement, which shall remain in full force and effect.

22.  Counterparts
     ------------

     This Agreement may be executed in one or more counterparts, each of which
shall be deemed to be an original but all of which together will constitute one
and the same instrument.

23.  Arbitration
     -----------

     Any dispute or controversy arising under or in connection with this
Agreement shall be settled exclusively by arbitration in Cleveland, Ohio in
accordance with the rules of the American Arbitration Association then in
effect; provided that all arbitration expenses shall be borne by Sky.
Notwithstanding the pendency of any dispute or controversy concerning
termination or the effects thereof, Sky will continue to pay the Executive his
full compensation in effect immediately before any Notice of Termination giving
rise to the dispute was given (including, but not limited to, base salary and
incentive pay) and continue him as a participant in all Benefit Plans in which
he was then participating, until the dispute is finally resolved. Judgment may
be entered on the arbitrators' award in any court having jurisdiction; provided,
however, that the Executive shall be entitled to seek specific performance of
his right to be paid until the Date of Termination during the pendency of any
dispute or controversy arising under or in connection with this Agreement.

                                       11
<PAGE>

     The parties have executed this Agreement or caused it to be executed by
their duly authorized officers on and as of the date first above written.

SKY FINANCIAL GROUP, INC.

By: /s/  Marty E. Adams
    -------------------

Its: Pres.
     ----------

/s/ Thomas J. O'Shane
----------------------
THOMAS J. O'SHANE

                                       12

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