Document:

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                                                                    EXHIBIT 10.7

                       AMENDMENT NUMBER 1 TO THE AGREEMENT
                                      AMONG
                          PITTSBURGH HOME SAVINGS BANK
                                       AND
                                ALBERT L. WINTERS

         WHEREAS, Pittsburgh Home Savings Bank, a Pennsylvania-chartered savings
bank (the "Savings Bank") and Albert L. Winters (the "Executive") entered into
an Agreement dated July 25, 1996 in connection with his employment with the
Savings Bank (the "Employer");

         WHEREAS, the Employer desires to consider and review extension of the
term of employment under the Agreement on or before the end of each calendar
year rather than prior to each annual anniversary date; and

         WHEREAS, Section 11 of the Agreement provides that no provisions of the
Agreement may be modified, waived or discharged unless such waiver, modification
or discharge is agreed to in writing signed by the Executive and such officer or
officers as may be specifically designated by the Board of Directors of the
Employer to sign on their behalf.

         NOW, THEREFORE, BE IT RESOLVED, in consideration of the mutual
covenants herein set forth, the Employer and the Executive do hereby agree that
Section 2(a) of the Agreement is modified to read as set forth below:

         (a) The Employer hereby employs the Executive as Senior Vice President
         and Executive hereby accepts said employment and agrees to render such
         services to the Employer on the terms and conditions set forth in this
         Agreement. The term of employment under this Agreement shall be for two
         years, effective December 31, 1997. Beginning with the year ended
         December 31, 1998, upon approval of the Board of Directors of the
         Employer, the term of employment for the Executive shall be extended
         for an additional year, and on each calendar year end thereafter such
         that at any time the remaining term of this Agreement shall be from one
         to two years. Prior to each calendar year end hereafter, the Board of
         Directors of the Employer shall consider and review (with appropriate
         corporate documentation thereof, and after taking into account all
         relevant factors, including the Executive's performance hereunder)
         extension of the term under this Agreement, and the term shall continue
         to extend each year if the Board of Directors approves such extension
         unless the Executive gives written notice to the Employer of the
         Executive's election not to extend the term, with such written notice
         to be given not less than thirty (30) days prior to any such calendar
         year end. References herein to the term of this Agreement shall refer
         both to the initial term and successive terms.

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                                      - 2 -

         IN WITNESS WHEREOF, the parties have duly executed this Amendment
Number 1 to the Agreement as of this 23rd day of April 1998.

                                   PITTSBURGH HOME SAVINGS BANK

Attest:

                                   By: /s/ J. Ardie Dillen
                                       -----------------------------------
/s/ Jess B. Mellor                     J. Ardie Dillen
------------------------------         Chairman, President and Chief
Jess B. Mellor, Secretary              Executive Officer

                                   EXECUTIVE

                                   By: /s/ Albert L. Winters
                                       -----------------------------------
                                       Albert L. Winters<PAGE>
                                                                    EXHIBIT 10.9

                       AMENDMENT NUMBER 1 TO THE AGREEMENT
                                      AMONG
                        PITTSBURGH HOME FINANCIAL CORP.,
                          PITTSBURGH HOME SAVINGS BANK
                                       AND
                                GREGORY G. MAXCY

         WHEREAS, Pittsburgh Home Financial Corp. (the "Corporation"), a
Pennsylvania corporation, Pittsburgh Home Savings Bank, a Pennsylvania-chartered
savings bank (the "Savings Bank") and Gregory G. Maxcy (the "Executive") entered
into an Agreement dated July 21, 1997 in connection with his employment with the
Corporation and the Savings Bank (together, the "Employers");

         WHEREAS, the Employers desire to modify the Agreement to extend the
term of employment under the Agreement from two years to three years;

         WHEREAS, the Employers desire to consider and review extension of the
term of employment under the Agreement on or before the end of each calendar
year rather than prior to each annual anniversary date;

         WHEREAS, the Employers desire to modify the Agreement to reflect that
the Executive has been named Executive Vice President of the Employers; and

         WHEREAS, Section 11 of the Agreement provides that no provisions of the
Agreement may be modified, waived or discharged unless such waiver, modification
or discharge is agreed to in writing signed by the Executive and such officer or
officers as may be specifically designated by the Board of Directors of the
Employers to sign on their behalf.

         NOW, THEREFORE, BE IT RESOLVED, in consideration of the mutual
covenants herein set forth, the Employers and the Executive do hereby agree that
Section 2(a) of the Agreement is modified to read as set forth below:

         (a) The Employers hereby employ the Executive as Executive Vice
         President and Executive hereby accepts said employment and agrees to
         render such services to the Employers on the terms and conditions set
         forth in this Agreement. The term of employment under this Agreement
         shall be for three years, effective December 31, 1997. Beginning with
         the year ended December 31, 1998, upon approval of the Board of
         Directors of the Employers, the term of employment for the Executive
         shall be extended for an additional year, and on each calendar year end
         thereafter such that at any time the remaining term of this Agreement
         shall be from two to three years.

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                                      - 2 -

         Prior to each calendar year end hereafter, the Board of Directors of
         the Employers shall consider and review (with appropriate corporate
         documentation thereof, and after taking into account all relevant
         factors, including the Executive's performance hereunder) extension of
         the term under this Agreement, and the term shall continue to extend
         each year if the Board of Directors approves such extension unless the
         Executive gives written notice to the Employers of the Executive's
         election not to extend the term, with such written notice to be given
         not less than thirty (30) days prior to any such calendar year end.
         References herein to the term of this Agreement shall refer both to the
         initial term and successive terms.

         IN WITNESS WHEREOF, the parties have duly executed this Amendment
Number 1 to the Agreement as of this 23rd day of April 1998.

                                 PITTSBURGH HOME FINANCIAL CORP.

Attest:

                                 By:     /s/ J. Ardie Dillen
                                         ---------------------------------------
/s/ Michael J. Kirk                      J. Ardie Dillen
----------------------------
Michael J. Kirk, Executive               Chairman, President and Chief Executive
Vice President and Chief                 Officer
Financial Officer

Witness

                                 PITTSBURGH HOME SAVINGS BANK

Attest:

                                 By:     /s/ J. Ardie Dillen
                                         ---------------------------------------
/s/ Jess B. Mellor                       J. Ardie Dillen
----------------------------
Jess B. Mellor, Secretary                Chairman, President and Chief Executive
                                         Officer

                                 EXECUTIVE

                                 By:     /s/ Gregory G. Maxcy
                                         ---------------------------------------
                                         Gregory G. Maxcy<PAGE>
                                                                   EXHIBIT 10.10

                       AMENDMENT NUMBER 2 TO THE AGREEMENT
                                      AMONG
                        PITTSBURGH HOME FINANCIAL CORP.,
                          PITTSBURGH HOME SAVINGS BANK
                                       AND
                                GREGORY G. MAXCY

         WHEREAS, Pittsburgh Home Financial Corp. (the "Corporation"), a
Pennsylvania corporation, Pittsburgh Home Savings Bank, a Pennsylvania-chartered
savings bank (the "Savings Bank") and Gregory G. Maxcy (the "Executive") entered
into an Agreement dated July 21, 1997 in connection with his employment with the
Corporation and the Savings Bank (together, the "Employers");

         WHEREAS, on April 23, 1998, the Employers and the Executive amended the
Agreement to extend the term of employment under the Agreement from two years to
three years;

         WHEREAS, the Employers desire to modify the termination provisions of
the Agreement to increase the cash severance amount in accordance with the
extension of the term of employment; and

         WHEREAS, Section 11 of the Agreement provides that no provisions of the
Agreement may be modified, waived or discharged unless such waiver, modification
or discharge is agreed to in writing signed by the Executive and such officer or
officers as may be specifically designated by the Board of Directors of the
Employers to sign on their behalf.

         NOW, THEREFORE, BE IT RESOLVED, in consideration of the mutual
covenants herein set forth, the Employers and the Executive do hereby agree that
Section 5(c) of the Agreement is modified to read as set forth below:

                  (c) In the event that (i) Executive's employment is terminated
         by the Employers for other than Cause, Disability, Retirement or the
         Executive's death, or (ii) such employment is terminated by the
         Executive (a) due to a material breach of this Agreement by the
         Employers, which breach has not been cured within fifteen (15) days
         after a written notice of non-compliance has been given by the
         Executive to the Employers, or (b) for Good Reason, then the Employers
         shall:

                           (A) pay to the Executive, in thirty-six (36) equal
                  monthly installments beginning with the first business day of
                  the month following the Date of Termination, a cash severance
                  amount equal to three (3) times the Executive's Base Salary,
                  and

                           (B)maintain and provide for a period ending at the
                  earlier of (i) the expiration of the remaining term of
                  employment pursuant hereto prior to

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                                      - 2 -

                  the Notice of Termination or (ii) the date of the Executive's
                  full-time employment by another employer (provided that the
                  Executive is entitled under the terms of such employment to
                  benefits substantially similar to those described in this
                  subparagraph (B)), at no additional cost to the Executive
                  beyond that which the Executive is responsible for prior to
                  the Date of Termination, the Executive's continued
                  participation in all group insurance, life insurance, health
                  and accident, disability and other employee benefit plans,
                  programs and arrangements in which the Executive was entitled
                  to participate immediately prior to the Date of Termination
                  (other than stock option and restricted stock plans of the
                  Employers), provided that in the event that the Executive's
                  participation in any plan, program or arrangement as provided
                  in this subparagraph (B) is barred, or during such period any
                  such plan, program or arrangement is discontinued or the
                  benefits thereunder are materially reduced, the Employers
                  shall arrange to provide the Executive with benefits
                  substantially similar to those which the Executive was
                  entitled to receive under such plans, programs and
                  arrangements immediately prior to the Date of Termination.

         IN WITNESS WHEREOF, the parties have duly executed this Amendment
Number 2 to the Agreement as of this 25th day of June 1998.

                                 PITTSBURGH HOME FINANCIAL CORP.
Attest:

                                 By:     /s/ J. Ardie Dillen
                                         ---------------------------------------
/s/ Michael J. Kirk                      J. Ardie Dillen
---------------------------
Michael J. Kirk, Executive               Chairman, President and Chief Executive
Vice President and Chief                 Officer
Financial Officer

Witness
                                 PITTSBURGH HOME SAVINGS BANK
Attest:

                                 By:     /s/ J. Ardie Dillen
                                         ---------------------------------------
/s/ Jess B. Mellor                       J. Ardie Dillen
---------------------------
Jess B. Mellor, Secretary                Chairman, President and Chief Executive
                                         Officer

                                 EXECUTIVE

                                 By:     /s/ Gregory G. Maxcy
                                         ---------------------------------------
                                         Gregory G. Maxcy

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