Document:

<PAGE>

                                                                    EXHIBIT 10.2

                                   AGREEMENT

     THIS AGREEMENT, made and entered into this 1st day of April, 2004, by and
between WESBANCO BANK, INC., hereinafter referred to as "Bank" and ROBERT P.
BREZING, hereinafter referred to as "Employee", and WESBANCO, INC., a West
Virginia corporation, hereinafter referred to as "Wesbanco".

     WHEREAS, Employee is serving as an executive officer of Cornerstone Bank as
of the date hereof and it is anticipated that Cornerstone Bank will be merged
with and into Bank (the "Merger"); and

     WHEREAS, the Bank wishes to assure itself of the Employee's full time
employment and continuing services in an executive capacity.

     WITNESSETH THAT: In consideration of the mutual promises and undertakings
hereinafter set forth, the parties hereto agree as follows:

     1. OFFER OF EMPLOYMENT. The Bank agrees to, and hereby does, continue the
employment of Employee at Bank in an executive capacity. In that capacity,
Employee shall be answerable to the Board of Directors of the Bank and such
other officers of Wesbanco, the parent company of the Bank, as the Board of
Directors of Wesbanco shall direct. Employee shall perform such duties,
compatible with his employment under the Agreement, as the Bank, and Wesbanco,
from time to time may assign to him.

     2. COMPENSATION. As compensation for the performance of the services
specified in Paragraph (1) and the observance of all of the provisions of this
Agreement, the

<PAGE>

Bank agrees to pay Employee, and Employee agrees to accept, the following
amounts and benefits during his term of employment:

          (A) Salary at a rate to be determined by the Board of Directors of the
     Bank, with notice to be given to employee in April of each calendar year,
     but in no event shall Employee's salary be less than One Hundred Forty
     Thousand Two Hundred Ninety-five Dollars ($140,295.00), per year, plus any
     increases granted by the Board of Directors after the date hereof, and
     payable in equal biweekly installments; and

          (B) Such other miscellaneous benefits and perquisites as the Bank
     provides to its executive employees generally.

     3. ACCEPTANCE OF EMPLOYMENT. Employee accepts the employment provided for
herein, at the salary set forth above, and agrees to devote his talents and best
efforts to the diligent, faithful, and efficient discharge of the duties of his
employment, and in furtherance of the operations and best interests of Bank, and
observe and abide by all rules and regulations promulgated by Bank for the
guidance and direction of its employees and the conduct of its business,
operations, and activities.

     4. TERM OF AGREEMENT. The employment term provided for herein shall consist
of a term of two (2) years, beginning on the effective date of the Merger and
ending on the second anniversary of such date whereupon this Agreement shall
terminate and Employee shall become an "at will" employee of the Bank in
accordance with the Personnel Policies of the Bank in effect at such time.

     5. CONFIDENTIALITY. Employee agrees that such information concerning the
business, affairs, and records of Bank as he may acquire in the course of, or as
incident to, his

                                       2
<PAGE>

employment hereunder, shall be regarded and treated as being of a confidential
nature, and that he will not disclose any such information to any person, firm,
or corporation, for his own benefit or to the detriment of Bank, during the term
of his employment under this Agreement or at any time following the termination
thereof.

     6. MISCELLANEOUS BENEFITS. This Agreement is not intended, and shall not be
deemed to be in lieu of any rights, benefits, and privileges to which Employee
may be entitled as an Employee of Bank under any retirement, pension, profit
sharing, insurance, hospital, bonus, vacation, or other plan or plans which may
now be in effect or which may hereafter be adopted by Bank, it being understood
that Employee shall have the same rights and privileges to participate in such
plans and benefits, as any other employee, during the period of his employment.

     7. BINDING EFFECT. This Agreement shall inure to the benefit of and be
binding upon Bank's successors and assigns, including, without limitation, any
company or corporation which may acquire substantially all of Bank's assets or
business, or with, or into which Bank may be merged or otherwise consolidated.

     8. TERMINATION. The Employee's employment hereunder shall terminate upon
the earliest to occur of any one of the following:

          (A) The expiration of the initial term of this Agreement, or any
     extended term of this Agreement by written notice of termination as
     provided in Paragraph 4 hereof; or

          (B) By the Bank for cause, after thirty (30) days written notice to
     Employee. Cause for purposes of this Agreement shall mean as follows:

                                       3
<PAGE>

               (i) An act of dishonesty, willful disloyalty or fraud by the
          Employee that the Bank determines is detrimental to the best interests
          of the Bank; or

               (ii) The Employee's continuing inattention to, neglect of, or
          inability to perform, the duties to be performed under this Agreement,
          or

               (iii) Any other breach of the Employee's covenants contained
          herein or of any of the other terms and provisions of this Agreement,
          or

               (iv) The deliberate and intentional engaging by the Employee in
          gross misconduct which is materially and demonstrably injurious to the
          Bank.

          (C) Employee shall have the right to terminate this Agreement and his
     active employment hereunder at any time upon ninety (90) days written
     notice to the Bank.

          (D) Upon the death of Employee, this Agreement shall automatically
     terminate.

     9. EFFECT OF TERMINATION. In the event of a termination of this Agreement,
Employee shall be paid the following severance benefits, payable promptly after
the date of termination of his employment, in the following manner:

          (A) In the event that this Agreement is terminated by the death of
     Employee, this Agreement shall be deemed to have been terminated as of the
     date of such death except, however, that Bank shall pay to the surviving

                                       4
<PAGE>

     spouse of Employee, or in lieu thereof, to Employee's estate, an amount
     equal to six months of the base salary at his then current base rate,
     provided, however, that if such death occurs within six months of the
     normal retirement date as provided by the Bank's defined benefit pension
     plan, or after such normal retirement date, so that a pension distribution
     or benefit is payable to the surviving spouse of Employee, such payment
     shall be reduced to an amount equal to one month of the base salary at his
     then current base rate.

          (B) In the event that this Agreement is terminated by Employee and
     Bank by mutual agreement, then Bank shall pay such severance benefits, if
     any, as shall have been agreed upon by Bank and Employee.

          (C) In the event that Bank attempts to terminate this Agreement, other
     than for cause, death of Employee, or by mutual agreement with Employee, in
     addition to any other rights or remedies which Employee may have, Employee
     shall receive an amount equal to the greater of (i) six months of base
     salary at his then current base rate, or (ii) the base salary Employee
     would have received had he continued to be employed pursuant to this
     Agreement throughout the end of the then existing term of employment
     hereunder.

          (D) In the event Bank terminates this Agreement for cause, no
     severance benefits shall be payable hereunder.

     10. ENTIRE UNDERSTANDING; AMENDMENT. Upon consummation of the Merger and
subject to the provisions of that certain Non-Competition and Confidentiality

                                       5
<PAGE>

Agreement, dated as of the date hereof, this Agreement supersedes all previous
agreements between Employee and Bank and contains the entire understanding and
agreement between the parties with respect to the subject matter hereof, and
cannot be amended, modified, or supplemented in any respect except by a
subsequent written agreement executed by both parties.

     11. APPLICABLE LAW. This Agreement shall be governed by and construed in
accordance with the laws of the State of West Virginia.

     12. CERTAIN OBLIGATIONS OF WESBANCO. While the parties acknowledge that
certain provisions of this Agreement may be unenforceable in some respects
against the Bank, pursuant to applicable banking law, it is nonetheless the
intention of the parties to create pursuant to this Agreement a valid employment
for a definite term with specified benefits. As an inducement for Employee and
Bank to enter into this Agreement whereby Employee would be employed by Bank for
a definite term, Wesbanco hereby undertakes the independent, separate and
unconditional obligation to Employee to pay all amounts which are or may become
due to Employee under this Agreement as set forth herein, regardless of the
status of the direct or indirect enforceability or validity of Bank's obligation
to pay any or all such amounts as may be due hereunder to Employee; provided,
however, that for purposes of this Paragraph 12, Wesbanco shall be obligated to
the Employee for any bonuses or any increases in base salary in excess of the
rate of One Hundred Forty Thousand Two Hundred Ninety-five Dollars ($140,295.00)
per annum only to the extent that it has consented to such bonuses or increases.
Wesbanco also acknowledges that it may or may not be entitled to indemnification
or contribution from Bank or to be subrogated to the claim of Employee hereunder
for any payments Wesbanco may make to Employee; and Wesbanco hereby specifically
waives any rights it may otherwise have to indemnification or contribution from
Bank or to be subrogated to

                                       6
<PAGE>

the claim of Employee hereunder in the event that such payments as are made by
Wesbanco would be unenforceable or invalid for any reason against Bank.

     13. MISCELLANEOUS. The invalidity or unenforceability of any term or
provision of this Agreement as against any one or more parties hereto, shall not
impair or effect the other provisions hereof or the enforceability of said term
or provision against the other parties hereto, and notwithstanding any such
invalidity or unenforceability, each term or provision hereof shall remain in
full force and effect to the full extent consistent with law.

     IN WITNESS WHEREOF, Bank and Wesbanco have caused these presents to be
signed and their corporate seals to be hereto affixed, and Employee has hereto
affixed his signature and seal, at Springfield, Ohio, as of the day and year
first above written.

                                            WESBANCO BANK, INC.

                                            BY /s/ Paul M. Limbert
                                               --------------------------------
                                                 ITS President

(SEAL)

ATTEST:

/s/ Linda M. Woodfin
--------------------
      SECRETARY

                                            /s/ Robert P. Brezing         (SEAL)
                                            ------------------------------------
                                            ROBERT P. BREZING

                                       7
<PAGE>

                                            WESBANCO, INC.

                                            BY /s/ Paul M. Limbert
                                               ---------------------
                                                   ITS President

(SEAL)

ATTEST:

/s/ Linda M. Woodfin
---------------------------
        SECRETARY

                                       8<PAGE>

                                                                    EXHIBIT 10.3

                  NON-COMPETITION AND CONFIDENTIALITY AGREEMENT

          THIS NON-COMPETITION AND CONFIDENTIALITY AGREEMENT (this "Agreement")
is made as of the 1st day of April, 2004 by and between WESBANCO BANK, INC. (the
"Company") and PHILIP R. TEUSINK (the "Employee").

          WHEREAS, Employee is employed by Cornerstone Bank (the "Bank")
pursuant to an Employment Agreement dated September 30, 1999, as amended by
Agreements dated November 24, 2000, December 17, 2001, October 17, 2002 and
October 28, 2003 (collectively the "Agreements"), and

          WHEREAS, the Bank is a wholly owned subsidiary of Western Ohio
Financial Corporation ("WOFC") which has entered into an Agreement and Plan of
Merger dated the 1st day of April, 2004, with Wesbanco, Inc. ("Wesbanco") which
provides for the merger (the "Bank Merger") of the Bank with and into Wesbanco's
banking subsidiary, the Company, and

          WHEREAS, effective upon consummation of such Bank Merger, the parties
desire to mutually terminate the Agreements, enter into a new two (2) year
Employment Agreement in the form attached hereto as Exhibit A and provide for a
non-competition and confidentiality agreement to insure the competitive position
of the Company subsequent to said Bank Merger.

          NOW, THEREFORE, in consideration of the foregoing, the mutual
covenants set forth herein, and the further payment of the sum of Ninety-five
Thousand Two Hundred Thirty-eight Dollars ($95,238.00) to be paid as of the
effective date of the Bank Merger

<PAGE>

whereupon this Agreement shall become effective, the parties to this Agreement
agree as follows:

          1. ACKNOWLEDGMENTS. The Employee acknowledges that: (a) the Company is
presently engaged in the following businesses: (i) financial services, real
estate, commercial and consumer lending and related financial services and
products; and (ii) other related products and services (collectively, the
"Present Business of the Company"); (b) as a key employee of the Company, the
Employee has been and will continue to be in a position of trust and confidence
in which the Employee has been and will learn of, have access to, and develop
proprietary, confidential, and trade secret information related to the business
and operation of the Company; (c) the Company would be seriously and irreparably
injured by unauthorized or inappropriate disclosure of any such information; (d)
the documents and information regarding the Company's customers, suppliers,
services, products, techniques, methods of operation, business plans and
forecasts, sales, pricing, and costs are highly confidential and constitute
trade secrets; (e) the Employee has developed and will further develop
relationships of special trust and confidence with the Company's customers and
its employees, and such relationships of trust and confidence are of great value
and importance to the Company and are for the Company's exclusive benefit; (f)
in exchange for the covenants and other promises made by the Employee in this
Agreement the Employee has received valuable rights; (g) the Employee has read
and understands the provisions of this Agreement and the Employee has been given
an opportunity for the Employee's legal counsel to review this Agreement; and
(h) the provisions of this Agreement are reasonable.

          2. DISCLOSURE OF CONFIDENTIAL INFORMATION. Confidential Information
(as defined below) shall at all times remain the property of the Company. The
Employee will

                                       2
<PAGE>

safeguard and maintain on the premises of the Company, to the extent possible in
the performance of the Employee's work for the Company, all documents and things
that contain or embody Confidential Information. Except as required as part of
the Employee's duties to the Company, the Employee will not, during the
Employee's employment by the Company or thereafter, directly or indirectly use,
divulge, disseminate, disclose, lecture upon, or publish any Confidential
Information without having first obtained written permission from the Company to
do so. Upon termination of employment, or upon request by the Company, the
Employee will deliver to the Company all materials containing Confidential
Information then in the Employee's possession or under the Employee's control.

          "Confidential Information" shall mean all information disclosed to the
Employee or known by the Employee as a consequence of or through the Employee's
employment by the Company, which is not generally known in the industry in which
the Company and/or an affiliate (i.e., another company the majority interest of
which is owned by the Company or by a direct or indirect parent or subsidiary of
the Company) is or may become engaged, about the Company's or an affiliates'
business, products, processes, and services, including but not limited to
information relating to research, development, inventions, computer program
designs, flow charts, source and object codes, products and services under
development, pricing and pricing strategies, marketing and selling strategies,
power generating, servicing, purchasing, accounting, engineering, costs and
costing strategies, sources of supply, customer lists, customer requirements,
business methods or practices, training and training programs, and related
documentation. It includes, but is not limited to, proprietary information and
trade secrets of the Company and its affiliates. It will be presumed that
information supplied to the Company and its

                                       3
<PAGE>

affiliates from outside sources is Confidential Information unless and until it
is designated otherwise.

          3. RESTRICTIONS ON COMPETITION. The Employee covenants and agrees that
while employed by the Company and for a period of one (1) year from and after
the effective date of the Bank Merger, whichever is longer, the Employee shall
not engage, directly or indirectly, whether as principal or as agent, officer,
director, employee, consultant, shareholder, independent contractor, or
otherwise, alone or in association with any other domestic or foreign person,
corporation or other entity, in a Competing Business (as defined below) located
in the state of Ohio and which maintains an office within a radius of fifty (50)
miles of the City of Springfield; provided, however, that the Employee shall
have the right to accept employment with a Competing Business whose business is
diversified (the "Diversified Business"), if the employment is with a part of
the Diversified Business which is not a Competing Business and if, prior to
accepting such employment, the Employee furnishes written assurances reasonably
satisfactory to the Company from the Diversified Business and from the Employee
that the Employee will not render services directly or indirectly in connection
with any Competing Business. The term "Competing Business" shall mean any
person, corporation, or other entity engaged in (i) the Present Business of the
Company (as defined in Section 1 of this Agreement), or (ii) any other business
in which the Company or any of its subsidiaries was engaged, or with respect to
which the Company or any of its subsidiaries had taken substantial steps to
engage in, as of the Employee's date of termination of employment. The Employee
acknowledges that the Company conducts or intends to conduct business within the
geographic area specified and, therefore, the Employee acknowledges that this
restriction is reasonable and necessary to protect Company's business and that
it will not prevent the Employee's gainful employment by others.

                                       4
<PAGE>

          4. SOLICITATION OF CUSTOMERS. The Employee covenants and agrees that
while employed by the Company, and for a period of one (1) year from and after
the effective date of the Bank Merger, whichever is longer, the Employee shall
not, in any manner adverse to the Company, directly or indirectly, solicit the
business of, do business with, or otherwise deal with any Customer. The term
"Customer" shall mean any customer, supplier, or prospective customer or
supplier of the Company or an affiliate of the Company with whom the Employee
has or had direct or indirect contact or about whom the Employee may have
acquired any knowledge while employed by the Company.

          5. SOLICITATION OF EMPLOYEES. During the Employee's employment, and
for a period of a one (1) year from and after the effective date of the Bank
Merger, whichever is longer, the Employee shall not, directly or indirectly,
solicit the services of any employee of the Company, induce such employees to
terminate their employment, or otherwise deal in a manner adverse to the Company
with respect to such employees. If, during the Employee's employment, the
Employee is approached or contacted by any employee or former employee of the
Company suggesting, proposing, recruiting or inducing the Employee to terminate
employment with the Company, the Employee shall notify the Company immediately
in writing.

          6. OWNERSHIP OF INTELLECTUAL PROPERTY. The Employee agrees that all
inventions, improvements, developments and/or discoveries (whether or not
patentable), and all works of authorship (whether or not copyrightable)
(hereinafter collectively "Intellectual Property"), which are conceived of,
created, or made within the scope of the Employee's employment by the Company,
whether solely or jointly with others, shall be the sole and exclusive property
of the Company. The Employee further agrees to promptly and fully disclose all
such Intellectual Property and to execute, acknowledge, and deliver, upon
request of the

                                       5
<PAGE>

Company and without further compensation, either during or subsequent to
employment, all instruments which are desirable or necessary to prosecute an
application for and to acquire, maintain, and enforce all patents, copyrights or
registrations covering such Intellectual Property in all countries. Moreover,
the Employee hereby conveys, assigns, and transfers the Employee's entire right,
title, and interest in and to such Intellectual Property to the Company and
otherwise agrees to cooperate as necessary to perfect the Company's rights and
ownership to such Intellectual Property. Upon termination of employment, or upon
request by the Company, the Employee will deliver to the Company all materials
relating to Intellectual Property then in the Employee's possession or under the
Employee's control.

          7. RIGHTS AND REMEDIES UPON BREACH. If the Employee breaches, or
threatens to breach, any material term or condition of this Agreement, then the
Company shall have the following rights and remedies, each of which shall be
independent of the other and severally enforceable, and all of which rights and
remedies shall be in addition to, and not in lieu of, any other rights and
remedies available to the Company under law or equity:

               (a) SPECIFIC PERFORMANCE. The right and remedy to have all
     provisions of this Agreement specifically enforced by any court having
     equity jurisdiction, including obtaining an injunction to prevent any
     continuing violation of this Agreement; the Employee acknowledges that the
     Employee's services to the Company are of a unique character and have a
     special value to the Company, that any such breach or threatened breach
     will cause irreparable injury to the Company, and that money damages will
     be difficult to ascertain and will not provide an adequate remedy to the
     Company.

                                       6
<PAGE>

               (b) ACCOUNTING. The right and remedy to require the Employee to
     account for and pay over to the Company all compensation, profits, monies,
     accruals, increments, or other benefits derived or received by the Employee
     as a result of any transactions constituting a breach of any material
     provision of this Agreement.

               (c) DAMAGES, COSTS, AND ATTORNEY FEES. If the Employee is found
     to have breached this Agreement by a court, the Employee shall be liable
     for and agree to pay the Company: (i) all damages suffered by the Company
     as a result of the breach, and (ii) all costs and reasonable attorney fees
     and costs incurred by the Company to enforce its rights under this
     Agreement.

          8. OBLIGATIONS SURVIVE TERMINATION OF EMPLOYMENT. The termination of
the Employee's employment for whatever reason shall not impair or relieve the
Employee of any of the Employee's obligations under this Agreement which, by
their express terms or by implication, extend beyond the term of the Employee's
employment.

          9. BINDING EFFECT AND ASSIGNABILITY. This Agreement may not be
assigned by either party without the prior written consent of the other party,
except that in the event Company should undergo any change in ownership or
change in structure or control, or should Company transfer some or all of its
assets to another entity, this Agreement may be assigned by Company without the
Employee's further consent to any company, business, partnership, individual or
entity, and that the Employee will continue to remain bound by this Agreement.
Subject to the foregoing, this Agreement shall be binding upon and inure to the
benefit of the

                                       7
<PAGE>

parties and their respective heirs, legatees, devisees, personal
representatives, successors and assigns.

          10. NOTICE TO NEW EMPLOYER AND NOTICE TO THE COMPANY. The Employee
agrees that, prior to the commencement of any new employment, the Employee will
furnish the new employer with a copy of this Agreement. The Employee also agrees
that the Company may advise any new or prospective employer of the Employee of
the existence and terms of this Agreement and furnish the employer with a copy
of this Agreement. Accordingly, the Employee agrees to notify the Company prior
to the commencement of any new employment of the name of the new employer.

          11. AUTHORIZATION TO MODIFY RESTRICTIONS. It is the intention of the
parties that the provisions of this Agreement shall be enforceable to the
fullest extent permissible by law, and that the unenforceability of any
provision, in whole or in part, shall not render unenforceable, or impair, the
remaining parts and provisions of this Agreement. If any provision of this
Agreement shall be deemed unenforceable, in whole or in part, this Agreement
shall be deemed amended to delete or modify the offending part and to alter the
Agreement to render it valid and enforceable. Should a court determine that the
character, duration, or geographical scope of any covenant of this Agreement is
unreasonable in light of the circumstances as they then exist, then it is the
intention and the agreement of the parties that this Agreement shall be
construed by the court so as to impose only those restrictions on the conduct of
the Employee which are reasonable in light of the circumstances as they then
exist and as are necessary to assure the Company of the intended benefit of this
Agreement.

          12. TOLLING. The periods of time set forth in Section 3, 4 and 5 of
this Agreement shall be extended, at the option of the Company, for a period of
time equal to all

                                       8
<PAGE>

periods during which the Employee is or was in violation of such provision and
to extend the restricted period to run from the date of any injunction which may
be issued against the Employee to enable the Company to receive the full benefit
of these provisions.

          13. WAIVER. Waiver of any term or condition of this Agreement by any
party shall not be construed as a waiver of a subsequent breach or failure of
the same term or condition, or as a waiver of any other term or condition of
this Agreement.

          14. GOVERNING LAW. This Agreement and all determinations made and
actions taken pursuant to this Agreement shall be governed by the laws of the
State of Ohio other than the conflict of laws provisions of such laws, and shall
be construed in accordance therewith.

          15. CONSENT TO JURISDICTION AND SERVICE OF PROCESS. The Company and
the Employee shall be deemed to have expressly agreed and consented to the
personal jurisdiction of the United States District Court for the Southern
District of Ohio, Western Division, with respect to any dispute or controversy
related to, arising under, or in connection with this Agreement. The Company and
the Employees shall also be deemed to have expressly agreed that such courts are
convenient forums for the parties to any such controversy or dispute and for any
potential witnesses and that process issued out of any such court or in
accordance with the rules of practice of such court may be served by mail or
other forms of substituted service to the Company at the address of its
principal executive office and to the Employee at his or her last known address
as reflected in the Company's records.

          16. RECISION OF AGREEMENTS. Upon the effective date of the Bank
Merger, the payment of the lump sum payment described herein and the execution
of the Employment Agreement attached hereto as Exhibit A, the parties hereto
acknowledge and agree that the Agreements shall be rescinded in their entirety
and be of no further form or effect.

                                       9
<PAGE>

          17. ENTIRE AGREEMENT. This Agreement embodies the entire agreement and
understanding between the parties and supersedes all prior agreements and
understandings.

          IN WITNESS WHEREOF, Company has caused these presents to be signed and
its corporate seal to be hereto affixed, and Employee has hereto affixed his
signature and seal, at Springfield, Ohio, as of the day and year first above
written.

                                            COMPANY:

                                            WESBANCO BANK, INC.

                                            BY /s/ Paul M. Limbert
                                               -----------------------------
                                                 ITS President

                                            EMPLOYEE:

                                            /s/ Philip R. Teusink
                                            --------------------------------
                                            PHILIP R. TEUSINK

                                       10

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00067-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00067-of-00352.parquet"}]]