Document:

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                                                                    EXHIBIT 10.1

                    DIRECTOR VOTING AND RESIGNATION AGREEMENT

      This Director Voting and Resignation Agreement ("VOTING AGREEMENT"), dated
as of December 15, 2004, is among Glacier Bancorp, Inc., a Montana corporation
("GLACIER"), Citizens Bank Holding Company, an Idaho corporation ("CITIZENS"),
and the undersigned, each of whom is a director ("DIRECTOR") of Citizens. This
Voting Agreement will be effective upon the signing of the Merger Agreement
(defined below).

                                     RECITAL

      As an inducement for Glacier to enter into the Plan and Agreement of
Merger (the "MERGER AGREEMENT") dated as of the date hereof, whereby, among
other things, Citizens will merge with and into Glacier (the "TRANSACTION"),
each of the Directors, for himself or herself, his or her heirs and legal
representatives, hereby agrees as follows:

                                    AGREEMENT

1.    VOTING AND OTHER MATTERS. Each of the Directors will vote or cause to be
      voted all shares of Citizen's common stock that he or she beneficially
      owns, with power to vote or direct the voting of (the "SHARES"), in favor
      of approval of the Merger Agreement and the Transaction. In addition, each
      of the Directors will (a) recommend to the shareholders of Citizens that
      they approve the Merger Agreement, and (b) refrain from any actions or
      omissions inconsistent with the foregoing, except as otherwise required by
      law, including, without limitation, the Directors' fiduciary duties to
      Citizens and its shareholders.

2.    MERGER CONSIDERATION ELECTIONS. If necessary, the Directors agree to
      select additional Cash Election Shares or Stock Election Shares, as the
      case may be, pursuant to Section 1.3 of the Merger Agreement so that, to
      the extent possible, neither the Maximum Total Cash Consideration nor the
      Maximum Total Stock Consideration is exceeded. The Directors agree to make
      such revised selections pro rata, based on individual stock ownership,
      unless otherwise agreed.

3.    NO TRANSFER. Until the earlier of the consummation of the Transaction or
      the termination of the Merger Agreement, each Director will not sell,
      permit a lien or other encumbrance to be created with respect to, or grant
      any proxy in respect of (except for proxies solicited by the board of
      directors of Citizens in connection with the Citizens shareholders'
      meeting at which the Transaction is presented for shareholder approval)
      any Shares, unless all other parties to any such sale or other transaction
      enter into an agreement in form and substance satisfactory to Glacier
      embodying the benefits and rights contained in this Voting Agreement.

4.    RESIGNATION. Each Director hereby tenders his or her resignation from the
      Board of Directors of Citizens, effective only upon the closing of the
      Transaction.

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5.    INDIVIDUAL OBLIGATIONS. Obligations of each of the Directors under this
      Voting Agreement are intended to be several and not joint.

6.    MISCELLANEOUS.

      a.    Severability. If any provision of this Voting Agreement or the
            application of such provision to any person or circumstances will be
            held invalid or unenforceable by a court of competent jurisdiction,
            such provision or application will be unenforceable only to the
            extent of such invalidity or unenforceability, and the remainder of
            the provision held invalid or unenforceable and the application of
            such provision to persons or circumstances, other than the party as
            to which it is held invalid, and the remainder of this Voting
            Agreement, will not be affected.

      b.    Counterparts. This Voting Agreement may be executed in one or more
            counterparts, including facsimile counterparts, each of which will
            be deemed an original, but all of which taken together will
            constitute one and the same document.

      c.    Governing Law. This Voting Agreement will be deemed a contract made
            under, and for all purposes will be construed in accordance with,
            the laws of the State of Idaho.

      e.    Remedies. Any breach of this Voting Agreement entitles Glacier to
            injunctive relief and/or specific performance, as well as any other
            legal or equitable remedies Glacier may be entitled to.

      f.    Defined Terms. Unless otherwise defined herein, capitalized terms
            used in this Voting Agreement have the meaning assigned to them in
            the Merger Agreement.

SIGNED EFFECTIVE as of December 15, 2004.

GLACIER BANCORP, INC.                         CITIZENS BANK HOLDING COMPANY

By    /s/ Michael J. Blodnick                 By    /s/ Ralph G. Cottle
   -------------------------------------         -------------------------------
   Michael J. Blodnick                           Ralph G. Cottle
   President & Chief Executive Officer           President & Chief Executive
                                                 Officer

                       Additional Signatures on Next Page

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DIRECTORS:

/s/ Gary N. Blanchard
------------------------------------
Gary N. Blanchard

/s/ Ralph G. Cottle
------------------------------------
Ralph G. Cottle

/s/ James E. Lee
------------------------------------
James E. Lee

/s/ Kenneth E. Satterfield
------------------------------------
Kenneth E. Satterfield

/s/ Alan E. Stanek
------------------------------------
Alan E. Stanek

                                       3<PAGE>

                                                                    EXHIBIT 10.2

                            NON-COMPETITION AGREEMENT

      This Non-Competition Agreement ("NON-COMPETITION AGREEMENT"), dated as of
December 15, 2004, is made by and among Glacier Bancorp, Inc., a Montana
corporation ("GLACIER"); Citizens Bank Holding Company, an Idaho corporation
(the "COMPANY"); Citizens Community Bank, an Idaho state-chartered bank (the
"BANK"); and the undersigned, each of whom is a director of the Company or the
Bank.

                                    RECITALS

A.    Glacier, the Company and the Bank have entered into a Plan and Agreement
      of Merger (the "MERGER AGREEMENT") dated as of the date hereof, pursuant
      to which the Company will merge with and into Glacier, and the Bank will
      become a wholly owned subsidiary of Glacier (the "TRANSACTION").

B.    The parties to this Non-Competition Agreement believe that the future
      success and profitability of Glacier and the Bank following the
      Transaction (collectively, the "COMBINED ENTITY") require that existing
      directors of the Company and the Bank (other than officer directors who
      will be party to employment agreements with the Bank and/or Glacier) (the
      "DIRECTORS") not be affiliated in any substantial way with a Competing
      Business (as defined herein) for a reasonable period of time after closing
      of the Transaction and/or termination of the Director's status as a
      director of the Bank.

                                    AGREEMENT

      In consideration of the parties' performance under the Merger Agreement,
the Directors agree as follows:

1.    DEFINITIONS. Capitalized terms not defined in this Non-Competition
      Agreement have the meaning assigned to those terms in the Merger
      Agreement. The following definitions also apply to this Non-Competition
      Agreement:

      a.    Competing Business. "COMPETING BUSINESS" means any financial
            institution or trust company (including without limitation, any
            start-up or other financial institution or trust company in
            formation) or holding company thereof that competes or will compete
            within the Covered Area with the Combined Entity or any of its
            subsidiaries or affiliates.

      b.    Covered Area. "COVERED AREA" means the geographical area within a
            ninety mile radius of the Bank's principal office located at 280 S.
            Arthur, Pocatello, Idaho 83204.

      c.    Term. "TERM" means the period of time beginning on the Effective
            Date and ending on the later of (i) two (2) years after the
            Effective Date or (ii) one year

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            following termination of a Director's service on the Board of
            Directors of the Bank.

2.    PARTICIPATION IN COMPETING BUSINESS. Except as provided in Section 5 or 6,
      during the Term no Director may become involved with a Competing Business
      or serve, directly or indirectly, a Competing Business in any manner,
      including without limitation, (a) as a shareholder, member, partner,
      director, officer, manager, investor, organizer, founder, employee,
      consultant, agent, or representative, or (b) during the organization and
      pre-opening phases in the formation of a Competing Business.

3.    NO SOLICITATION. During the Term, no Director may, directly or indirectly,
      solicit or attempt to solicit (a) any employees of the Combined Entity or
      any of its subsidiaries or affiliates to participate, as an employee or
      otherwise, in any manner in a Competing Business, or (b) any customers of
      the Combined Entity or its subsidiaries or affiliates to transfer their
      business to a Competing Business. Solicitation prohibited under this
      section includes solicitation by any means, including, without limitation,
      meetings, letters or other mailings, electronic communications of any
      kind, and internet communications.

4.    CONFIDENTIAL INFORMATION. During and after the Term, the Directors will
      not disclose any confidential information of the Combined Entity or its
      subsidiaries or affiliates obtained by such person while serving as a
      director of the Combined Entity except in accordance with a judicial or
      other governmental order.

5.    OUTSIDE COVERED AREA. Nothing in this Non-Competition Agreement prevents a
      Director from becoming involved with, as a shareholder, member, partner,
      director, officer, manager, investor, organizer, founder (including the
      pre-opening phases in the formation of a Competing Business), employee,
      consultant, agent, representative, or otherwise, with a Competing Business
      that has no operations in the Covered Area.

6.    PASSIVE INTEREST. Notwithstanding anything to the contrary contained
      herein, nothing in this Non-Competition Agreement shall prevent a Director
      from owning 5% or less of any class of security of a Competing Business.

7.    REMEDIES. Any breach of this Non-Competition Agreement by a Director will
      entitle the Combined Entity, together with its successors and assigns, to
      injunctive relief and/or specific performance, as well as to any other
      legal or equitable remedies they may be entitled to.

8.    GOVERNING LAW AND ENFORCEABILITY. This Non-Competition Agreement is
      governed by, and will be interpreted in accordance with, the laws of the
      State of Idaho. If any court determines that the restrictions set forth in
      this Non-Competition Agreement are unenforceable, then the parties request
      such court to reform these provisions to the maximum restrictions, term,
      scope or geographical area that such court finds enforceable.

9.    INDIVIDUAL OBLIGATIONS. The obligations of each of the Directors under
      this Non-Competition Agreement are intended to be several and not joint.

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10.   COUNTERPARTS. The parties may execute this Non-Competition Agreement in
      one or more counterparts, including facsimile counterparts. All the
      counterparts will be construed together and will constitute one Agreement.

SIGNED as of December 15, 2004:

GLACIER BANCORP, INC.                       CITIZENS BANK HOLDING COMPANY

By    /s/ Michael J. Blodnick               By    /s/ Ralph G. Cottle
  -------------------------------------       ----------------------------------
   Michael J. Blodnick                         Ralph G. Cottle
   President & Chief Executive Officer         President & Chief Executive
                                               Officer

                                            CITIZENS COMMUNITY BANK

                                            By    /s/ Ralph G. Cottle
                                              ----------------------------------
                                               Ralph G. Cottle
                                               President & Chief Executive
                                               Officer

                       Additional Signatures on Next Page

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DIRECTORS:

/s/ Robert H. Ballard, Jr.
----------------------------------------
Robert H. Ballard, Jr.

/s/ Gary N. Blanchard
----------------------------------------
Gary N. Blanchard

/s/ Thomas J. Holmes
----------------------------------------
Thomas J. Holmes

/w/ W. James Johnston
----------------------------------------
W. James Johnston

/s/ William A. Knick
----------------------------------------
William A. Knick

/s/ James E. Lee
----------------------------------------
James E. Lee

/s/ Diana B. Lyon
----------------------------------------
Diana B. Lyon

/s/ Kenneth E. Satterfield
----------------------------------------
Kenneth E. Satterfield

/s/ Alan E. Stanek
----------------------------------------
Alan E. Stanek

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