Document:

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                                                                EXHIBIT 10.28

                                    FORM OF

                          CHANGE-IN-CONTROL AGREEMENT

     This AGREEMENT is made effective as of _______________, 2000, by and among
Harris Savings Bank (the "Savings Bank") a federally-chartered savings bank,
with its principal administrative office at 235 North Second Street, Harrisburg,
Pennsylvania, 17101, Harris Financial, Inc. (the "Holding Company"), a
corporation organized under the laws of the State of Pennsylvania which is the
holding company for the Savings Bank,  and ____________________ (the
Executive").

     WHEREAS, the Savings Bank recognizes the substantial contribution Executive
has made to the Savings Bank and wishes to protect Executive's position
therewith for the period provided in this Agreement; and

     WHEREAS, Executive has been appointed to, and has agreed to serve in the
position of __________________________ for the Savings Bank, a position of
substantial responsibility.

     NOW, THEREFORE, in consideration of the contribution and responsibilities
of Executive, and upon the other terms and conditions hereinafter provided, the
parties hereto agree as follows:

1.   TERM OF AGREEMENT.

     (a) The term of this agreement shall be deemed to have commenced as of the
date first above written and shall continue for a period of twenty-four (24)
full calendar months thereafter.  The Agreement will be up for consideration for
renewal each ____________, after the Board of Directors completes a formal
performance evaluation of the Executive.  The purpose of this evaluation will be
to determine whether or not to extend the Agreement.  The results of this
evaluation will be included in the Minutes of the next Board Meeting.  The
Agreement will renew for an additional year so that the remaining term shall be
two (2) years unless written notice is provided to the Executive at least ten
(10) days, but not more than twenty (20) days prior to the anniversary date,
that this Agreement shall cease at the end of the twelve (12) months following
such anniversary date.

2.   PAYMENTS TO THE EXECUTIVE UPON CHANGE IN CONTROL.

     (a)  Upon the occurrence of a Change in Control of the Savings Bank or the
Holding Company (as herein defined) followed at any time during the term of this
Agreement by the voluntary  (for any of the bases set below) or involuntary
termination of Executive's employment, other than for Cause, as defined in
Section 2(c) hereof, the provisions of Section 3 shall apply.  Upon the
occurrence of a Change in Control, Executive shall have the right to elect to
voluntarily terminate his employment at any time during the term of this
Agreement following any demotion, loss of title, office or
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significant authority, reduction in his annual compensation, relocation of his
principal place of employment by more than 30 miles from its location
immediately prior to the Change in Control or the failure to continue in effect
any substantially similar vacation benefits, pension plan, dental plan, life
insurance plan, health, accident or disability plan in which Executive is
participating immediately prior to Change in Control.

     (b)  Change in Control" shall mean an event of a nature that: (i) would be
required to be reported in response to Item 1 of the current report on Form 8-K,
as in effect on the date hereof, pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934 (the "Exchange Act"); or (ii) results in a
Change in Control of the Savings Bank or the Holding Company within the meaning
of the Change in Bank Control Act and the Rules and Regulations promulgated by
the Federal Deposit Insurance Corporation ("FDIC") at 12 C.F.R. (S) 303.4 (a)
with respect to the Savings Bank and the Board of Governors of the Federal
Reserve System ("FRB") at 12 C.F.R. (S)  225.41(b) with respect to the Stock
Holding Company, as in effect on the date hereof; or (iii) without limitation
such a Change in Control shall be deemed to have occurred at such time as (a)
any "person" (as the term is used in Sections 13(d) and 14(d) of the Exchange
Act) is or becomes the "beneficial owner" (as defined in Rule 13d-3 under the
Exchange Act), directly or indirectly, of Securities of the Savings Bank or the
Holding Company representing 20% or more of the Savings Bank's or the Holding
Company's outstanding securities except for any securities of the Savings Bank
purchased by the Holding Company in connection with the conversion of the
Company to the stock form and any securities purchased by the Savings Bank's
employee stock ownership plan and trust; or (b) individuals who constitute the
Board on the date hereof (the "Incumbent Board") cease for any reason to
constitute at least a majority thereof, provided that any person becoming a
director subsequent to the date hereof whose election was approved by a vote of
at least three-quarters of the directors comprising the Incumbent Board, or
whose nomination for election by the Holding Company's stockholders was approved
by the same Nominating Committee serving under an Incumbent Board, shall be, for
purposes of this clause (b), considered as though he were a member of the
Incumbent Board; or (c) a plan of reorganization, merger, consolidation, sale of
all or substantially all the assets of the Savings Bank or Holding Company or
similar transaction occurs in which the Savings Bank or Holding Company is not
the resulting entity; or (d) a proxy statement shall be distributed soliciting
proxies from stockholders of the Holding Company, by someone other than the
current management of the Holding Company, seeking stockholder approval of a
plan of reorganization, merger, or consolidation of the Holding Company or
Savings Bank or similar transaction with one or more corporations as a result of
which the outstanding shares of the class of securities then subject to such
plan or transaction are exchanged for or converted into cash or property or
securities not issued by the Savings Bank or the Holding Company; or (e) a
tender offer is made and accepted for 20% or more of the voting securities of
the Savings Bank or Holding Company then outstanding.  Notwithstanding anything
herein to the contrary, a Change in Control shall not be deemed to occur upon
the conversion of the Holding Company's mutual holding company to stock form.

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     (c)  Executive shall not have the right to receive termination benefits
pursuant to Section 3 hereof upon Termination for Cause.  The term "Termination
for Cause" shall mean termination because of the Executive's personal
dishonesty, willful misconduct, any breach of fiduciary duty involving personal
profit, intentional failure to perform stated duties, willful violation of any
law, rule, or regulation (other than traffic violations or similar offenses) or
final cease-and-desist order, or material breach of any material provision of
this Agreement.  For purposes of this Section, no act, or the failure to act on
Executive's part shall be "willful" unless done or omitted to be done, not in
good faith and without reasonable belief that the action or omission was in the
best interests of the Holding Company or the Savings Bank.  Notwithstanding the
foregoing, Executive shall not be deemed to have been Terminated for Cause
unless and until there shall have been delivered to him a Notice of Termination
which shall include a copy of a resolution duly adopted by the affirmative vote
of not less than two-thirds of the members of the Board at a meeting of the
Board called and held for that purpose (after reasonable notice to the Executive
and an opportunity for him, together with counsel, to be heard before the
Board), finding that in good faith opinion of the Board, the Executive was
guilty of conduct justifying Termination for Cause and specifying the
particulars thereof in detail.  The Executive shall not have the right to
receive compensation or other benefits for any period after Termination for
Cause.  Any stock options or limited rights granted to Executive under any stock
option plan or any unvested awards granted to Executive under a Recognition and
Retention Plan of the Savings Bank, the Company or any subsidiary or affiliate
thereof, shall become null and void effective upon Executive's receipt of Notice
of Termination for Cause and shall not be exercisable by Executive at any  time
subsequent to such Termination for Cause.

3.   TERMINATION BENEFITS.

     (a)  Upon the occurrence of a Change in Control, followed at any time
during the term of this Agreement by the voluntary or involuntary termination of
the Executive's employment, other than for Termination for Cause, the Savings
Bank and the Company shall pay the Executive, or in the event of his subsequent
death, his beneficiary or beneficiaries, or his estate, as the case may be, as
severance pay or liquidated damages, or both, a sum equal to two (2) times the
Executive's annual base salary and bonus.  In addition, Executive shall be
entitled to any other cash or deferred compensation paid, or to be paid, to the
Executive for such years and such benefits as are otherwise payable to Executive
under the Company's or the Bank's plans upon a Change in Control.  At the
election of the Executive such payment may be made in a lump sum or paid in
equal monthly installments during the twelve (12) months following the
Executive's termination.  In the event that no election is made, payment to the
Executive will be made on a monthly basis during the remaining term of this
Agreement.

     (b)  Upon the occurrence of a Change in Control of the Savings Bank or the
Holding Company followed at any time during the term of this Agreement by the
Executive's voluntary or involuntary termination of employment, other than for
Termination for Cause, the Savings Bank shall cause to be continued life,
medical, dental

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and disability coverage substantially identical to the coverage
maintained by the Savings Bank for the Executive prior to his severance.  Such
coverage and payments shall cease upon the expiration of twenty-four (24)
months.

     (c)  Upon the occurrence of a Change in Control, the Executive shall be
entitled to receive benefits due him under, or contributed by the Bank on his
behalf pursuant to any retirement, incentive, profit sharing, bonus,
performance, disability or other employee benefit plan maintained by the Bank on
the Executive's behalf to the extent that such benefits are not otherwise paid
to the Executive under a separate provision of this Agreement.

     (d)  Notwithstanding the preceding paragraphs of this Section 3, in the
     event that:

       (i)  the aggregate payments or benefits to be made or afforded to the
            Executive under said paragraphs (the "Termination Benefits") would
            be deemed to include an "excess parachute payment" under Section
            280G of the Internal Revenue Code of 1986 (the Code) or any
            successor thereto, and

       (ii) if such Termination Benefits were reduced to an amount (the "Non-
            Triggering Amount"), the value of which is one dollar ($1.00) less
            than an amount equal to three (3) times Executive's "base amount" as
            determined in accordance with said Section 280G, then the
            Termination Benefits shall be reduced to the Non-Triggering Amount.
            The allocation of the reduction required hereby among the
            Termination Benefits provided by the preceding paragraphs of this
            Section 3 shall be determined by the Executive.

4.   NOTICE OF TERMINATION.

     (a) Any purported termination by the Savings Bank, the Holding Company or
by Executive shall be communicated by Notice of Termination to the other party
hereto.  For purposes of this Agreement, a "Notice of Termination" shall mean a
written 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 executive's
employment under the provision so indicated.

     (b) "Date of Termination" shall mean the date specified in the Notice of
Termination  which, in the instance of Termination for Cause, shall be
immediate.

5.   SOURCE OF PAYMENTS.

     (a) It is intended by the parties hereto that all payments provided in
this Agreement shall be paid in cash or check from the general funds of the
Savings Bank.  The Holding Company, however, guarantees payment and provision of
all amounts and

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benefits due hereunder to the Executive and, if such amounts and benefits due
from the Savings Bank are not timely paid or provided by the Savings Bank, such
amounts and benefits shall be paid or provided by the Holding Company.

6.   EFFECT ON PRIOR AGREEMENTS AND EXISTING BENEFIT PLANS.

     (a)  This Agreement contains the entire understanding between the parties
hereto and supersedes any prior agreement between the Savings Bank and the
Executive, except that this Agreement  shall not affect or operate to reduce any
benefit or compensation inuring to the Executive of a kind elsewhere provided.
No provision of this Agreement shall be interpreted to mean that the Executive
is subject to receiving fewer benefits than those available to him without
reference to this Agreement.

     (b)  Nothing in this Agreement shall confer upon the Executive the right to
continue in the employ of Savings Bank or shall impose on the Savings Bank any
obligation to employ or retain the Executive in its employ for any period.

7.   NO ATTACHMENT.

     (a)  Except as required by law, no right to receive payments under this
Agreement shall be subject to anticipation, commutation, alienation, sale,
assignment, encumbrance, charge, pledge, or hypothecation, or to execution,
attachment, levy, or similar process or assignment by operation of law, and any
attempt, voluntary or involuntary, to affect any such action shall be null,
void, and of no effect.

     (b)  This Agreement shall be binding upon, and inure to the benefit of,
the Executive, the Savings Bank and their respective successors and assigns.

8.   MODIFICATION AND WAIVER.

     (a)  This Agreement may not be modified or amended except by an instrument
in writing signed by the parties hereto.

   (b)  No term or condition of this Agreement shall be deemed to have been
waived, nor shall there be any estoppel against the enforcement of any provision
of this Agreement, except by written instrument of the party charged with such
waiver or estoppel.  No such written waiver shall be deemed a continuing waiver
unless specifically stated therein, and each such waiver shall operate only as
to the specific term or condition waived and shall not constitute a waiver of
such term or condition for the future or as to any act other than that
specifically waived.

9.   REQUIRED REGULATORY PROVISIONS.

   (a)  The Board may terminate the Executive's employment at any time, but any
termination by the Board, other than Termination for Cause, shall not prejudice
the

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Executive's right to compensation or other benefits under the Agreement.
The Executive shall not have the right to receive compensation or other benefits
for any period after Termination for Cause as defined in Section 2 herein above.

10.  SEVERABILITY.

      (a)  If, for any reason, any provision of this Agreement, or any part of
any provision, is held invalid, such invalidity shall not affect any other
provision of this Agreement or any part of such provision not held so invalid,
and each such other provision and part thereof shall to the full extent
consistent with law continue in full force and effect.

11.  HEADINGS FOR REFERENCE ONLY.

      (a)  The headings of sections and paragraphs herein are included solely
for the convenience of reference and shall not control the meaning or
interpretation of any of the provisions of this Agreement.

12.  GOVERNING LAW.

      (a)  The validity, interpretation, performance, and enforcement of this
Agreement shall be governed by Pennsylvania law.

13.  ARBITRATION.

      (a)  Any dispute or controversy arising under or in connection with this
Agreement shall be settled exclusively by arbitration in accordance with the
rules of the American Arbitration Association then in effect. Judgment may be
entered on the arbitrator's 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 an
dispute or controversy arising under or in connection with this Agreement.

      (b)  In the event any dispute or controversy arising under or in
connection with Executive's termination is resolved in favor of the Executive,
whether by judgment, arbitration or settlement, Executive shall be entitled to
the payment of all back-pay, including salary, bonuses and any other cash
compensation, fringe benefits and any compensation and benefits due Executive
under this Agreement.

14.  PAYMENT OF COSTS AND LEGAL FEES.

      (a) All reasonable costs and legal fees paid or incurred by the Executive
pursuant to any dispute or question of interpretation relating to this Agreement
shall be paid or reimbursed by the Savings Bank (which payments are guaranteed
by the Holding

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Company pursuant to Section 5 hereof) if Executive is successful pursuant to
legal judgment, arbitration or settlement.

15. INDEMNIFICATION.

      (a)  The Savings Bank shall provide Executive (including his or her legal
representatives, successors, and assigns) with coverage under a standard
directors' and officers' liability insurance policy at its expense, or in lieu
thereof, shall indemnify Executive (including his or her legal representatives,
successors, and assigns) to the fullest extent permitted under Pennsylvania law
against all expenses and liabilities reasonably incurred by Executive in
connection with or arising out of any action, suit or proceeding in which he may
be involved by reason of his having been a trustee or officer of the Savings
Bank (whether or not he continues to be a trustee or officer at the time of
incurring such expenses or liabilities). Such expenses or liabilities may
include, but not be limited to, judgments, court costs and attorneys' fees and
the cost of reasonable settlements for reasonable costs and expenses incurred by
Executive in defending or settling any judicial or administrative proceeding, or
threatened proceeding, whether civil, criminal, or otherwise, including any
appeal or other proceeding for review.

      (b)  Indemnification by the Savings Bank shall be made only upon the final
judgment on the merits in favor of the Executive, in case of settlement, in case
of final judgment against Executive or in the case of final judgment in favor of
Executive other than on the merits, if a majority of the disinterested directors
of the Savings Bank determine Executive was acting in good faith within the
scope of Executive's employment or authority.

      (c)  Any such indemnification of Executive for such expenses and
liabilities are to include, but not be limited to, judgments, court costs and
attorneys' fees and the cost of reasonable settlements, such settlements to be
approved by the Board of Directors of the Savings Bank, if such action is
brought against the Executive in his or her capacity as an officer or trustee of
the Savings Bank, provided however, such indemnity shall not extend to matters
as to which the Executive is finally adjudged to be liable for willful
misconduct in the performance of his or her duties.

16. SUCCESSOR TO THE BANK.

      (a)  The Savings Bank shall require any successor or assignee, whether
direct or indirect, by purchase, merger, consolidation or otherwise, to all or
substantially all the business or assets of the Savings Bank or the Holding
Company, expressly and unconditionally to assume and agree to perform the
Savings Bank's obligations under this Agreement, in the same manner and to the
same extent that the Savings Bank would be required to perform if no such
succession or assignment had taken place.

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17. SIGNATURES.

     IN WITNESS WHEREOF, Harris Savings Bank and Harris Financial, MHC have
caused this Agreement to be executed by their duly authorized officers, and
Executives have signed this Agreement, on the ___  day of ________________,
2000.

SEAL

ATTEST:
                                       HARRIS SAVINGS BANK

__________________________             BY:_________________________________
Corporate Secretary                    President / Chief Executive Officer

SEAL

ATTEST:                                HARRIS FINANCIAL, MHC
                                            (Guarantor)

__________________________             BY:__________________________________
Corporate Secretary                    President / Chief Executive Officer

SEAL

WITNESS:

__________________________             BY:___________________________________
                                             (EXECUTIVE)

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                                                                  EXHIBIT 10.29

                         AGREEMENT AND GENERAL RELEASE

     This Agreement and General Release is made and entered into on this ____
day of ____________, 2000, by and between Harris Financial, M.H.C., Harris
Financial, Inc., Harris Savings Bank, and New Harris Financial, Inc., its
successors, assigns, subsidiaries, and affiliates (collectively "Harris") and
John W. Atkinson ("Executive").

     WHEREAS, Executive is currently employed by Harris as Executive Vice
President, Chief Operating Officer of Harris Savings Bank; and

     WHEREAS, Executive has indicated his desire to step down as Chief Operating
Officer of Harris; and

     WHEREAS, Harris would like to retain the services of Executive for a
limited period of time following his resignation as Chief Operating Officer; and

     WHEREAS, Executive has agreed to provide consulting services to Harris for
a limited period following his termination of full time employment with Harris;
and

     WHEREAS, in recognition of the valuable services and contributions provided
by Executive to Harris, Harris is willing to provide certain supplemental
retirement benefits to Executive commencing at the end of his consulting period.

     NOW THEREFORE, in consideration of the foregoing, the promises and
covenants contained herein and other good and valuable consideration, the
parties hereto, intending to be legally bound, hereby agree as follows:

     1.  Service Period.  Executive and Harris hereby agree that Executive will
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terminate his employment as an employee and as Chief Operating Officer of Harris
effective on the earlier of (a) March 31, 2001;  (b) the effective date of the
merger of York Financial, Inc. into New Harris Financial, Inc. or (c) within
sixty (60) days of the employment of Executive's successor as Chief Operating
Officer of Harris (the earlier of (a), (b) or (c) referred to as the
"Consultancy Commencement Date".   Provided that Executive has not revoked this
Agreement, once executed by him, within the revocation period set forth in
Paragraph 12(f), Executive's last day of employment with Harris will be his
Consultancy Commencement Date.   Upon Executive's Consultancy Commencement Date,
Harris will retain the services of Executive as a consultant.  Executive shall
make himself  reasonably available to the CEO or Chairman of the Board of Harris
either by telephone or in person during his period of consultancy.  Executive
shall be retained by Harris as a consultant commencing on the Consultancy
Commencement Date and ending on
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November 30, 2001. During Executive's period of consultancy, Harris shall pay
Executive a monthly consulting fee of Two Thousand Dollars ($ 2,000.00).

     2.  Supplemental Pension Benefits.  Commencing on December 1, 2001,
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Executive shall be paid a monthly supplemental pension benefit from Harris as
described in this Paragraph 2.  The monthly supplemental pension benefit shall
be Two Thousand Dollars ($2,000.00) which shall be paid commencing December 1,
2001 and continuing on the first day of each month thereafter for a period which
is 120 months, set period measured from the Executive's Consultancy Commencement
Date.

     3.  Health Insurance Coverage.  Executive and his spouse shall continue to
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participate under the group health insurance plan of Harris up through the end
of Executive's Consultancy period.  At the end of his consultancy period, in the
event that Executive elects health care continuation coverage ("COBRA") under
the Harris group health plan, Harris agrees to pay a percentage of Executive's
COBRA premium cost for Executive and his spouse in an amount equal to the then
current employer paid percentage paid by Harris under its group health plan for
active employees.

     4.  Bonus.  Executive will be eligible to receive a bonus for calendar year
         -----
2000 based on the level of achievement of his calendar year 2000 Major Business
Objectives ("MBO").  The parties hereby agree that Harris must meet minimum
thresholds for ROE and EPS, as set forth in the Harris bonus plan for 2000, and
Executive must meet minimum thresholds for his MBO before he may be eligible to
receive any bonus for calendar year 2000.  If Executive's Retirement Date occurs
after December 31, 2000, Executive shall be eligible to participate in Harris'
year 2001 bonus plan for similarly situated employees.  Executive's
participation in Harris' year 2001 bonus plan shall be determined only on
corporate goals under the plan.    Executive's bonus, if any, shall be based on
his base salary in effect as of his Retirement Date. Provided however,
Executive's bonus, if any for year 2001 shall be calculated on a pro rated
method based on the number of full months worked in year 2001.

     5.  Automobile.  As soon as administratively feasible after Executive's
         ----------
Retirement Date, Harris shall cause title to the automobile currently provided
to Executive by Harris to be transferred to Executive.

     6.  Life Insurance.  Harris confirms to Executive that Executive has the
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option to convert existing life insurance coverages maintained by Harris for
Executive for a period of thirty-one (31) days following Executive's

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Retirement Date. To the extent Executive does not elect to convert said life
insurance coverages to private policy coverages, all life insurance maintained
by Harris covering Executive shall cease as of Executive's Retirement Date.

     7.  Retirement Plans.  Upon Executive's Retirement Date, Executive shall be
         ----------------
eligible to receive distributions from any of the qualified retirement plans
under which Executive currently participates.  Harris may terminate the services
of Executive as a consultant prior to the end of the Consultancy Period as set
forth in Paragraph 1 at any time.  In the event Harris terminates the
Executive's consultancy services, Harris shall commence payment of the
supplemental pension benefit as set forth in Paragraph 2.

     8.  Stock Options.  The parties hereby confirm that Executive's termination
         -------------
of employment constitutes a retirement and pursuant to Executive's outstanding
stock option agreements, Executive shall become vested in any outstanding stock
options to which he is not otherwise vested as of his Retirement Date.

     9.  Death of Executive.  If Executive should die after benefits have
         ------------------
commenced under this Agreement but before receiving all such payments, Harris
shall pay the remaining benefits to the Executive's surviving spouse up to the
earlier of either date:  (a) the date which is the end of the one hundred twenty
(120) month payment term described in Paragraph 2; or (b) the death of the
surviving spouse.

     10. Tax Withholding.  Harris shall withhold any and all taxes which are
         ---------------
required to be withheld from any benefits paid under this Agreement to
Executive.

     11. Non-Competition/Non-Solicitation Confidential Information.  In
         ---------------------------------------------------------
consideration of Harris entering into this Agreement and agreeing to make
payments to Executive pursuant hereto, such payments to which Executive is
otherwise not entitled to receive, Executive covenants and agrees that from the
date of execution of this Agreement and up through the end of the payment term
described in Paragraph 2, he shall not directly or indirectly, either as an
individual or as a proprietor, stockholder, partner, officer, director,
employee, agent, consultant or independent contractor of any individual,
partnership, corporation or other entity (excluding an ownership interest of one
percent (1%) or less in the stock of a publicly traded company):

          (a) become employed by, participate in, or become connected in any
     manner with the ownership, management, operation or control of any bank,
     savings and loan or other similar financial institution which provides
     banking or other financial services within thirty (30) miles of any office
     now or in the future maintained by Harris; or

          (b) participate in any way in hiring or otherwise engaging, or
     assisting any other person or entity in hiring or otherwise engaging, on a
     temporary, part-time, or permanent basis,

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     any individual who was employed by Harris during the three (3) year period
     immediately prior to Executive's Retirement Date; or

          (c) assist, advise, or serve in any capacity, representative or
     otherwise, any third party in any action against Harris or transaction
     involving Harris; or

          (d) divulge, disclose, or communicate to others in any manner
     whatsoever, any confidential information of Harris, including, but not
     limited to, the names and addresses of customers of Harris, as they may
     have existed from time to time or of any of Harris' prospective customers,
     work performed or services rendered for any customer, any method and/or
     procedures relating to projects or other work developed by or for Harris,
     information relating to audits, strategic planning, acquisition strategies,
     employment information, and all other similar information.  The
     restrictions contained in this subparagraph (d) apply to all information
     regarding Harris, regardless of the source who provided or compiled such
     information.

     Executive understands and agrees that Harris will suffer irreparable harm
in the event that Executive breaches any of Executive's obligations under this
Paragraph 11, and that Executive's forfeiture of remaining payments under this
Agreement will be inadequate to compensate Harris for such breach.  Accordingly,
Executive agrees that, in the event of a breach or threatened breach by
Executive of this Paragraph 11, Harris, in addition to and not in limitation of
any other rights, remedies or damages available to Harris at law or in equity,
shall be entitled to a temporary restraining order, preliminary injunction and
permanent injunction in order to prevent or to restrain any such breach by
Executive, or by any representatives and any and all persons directly or
indirectly acting for, on behalf of or with Executive.

     12.  Release of Claims.  In consideration of the benefits to be provided by
          -----------------
Harris to Executive, such benefits to which Executive is not otherwise entitled
to receive, Executive hereby agrees as follows:

          (a) Executive knowingly and voluntarily releases and forever
     discharges Harris, of and from any and all claims, known and unknown, which
     Executive, his heirs, executors, administrators, successors, and assigns
     have or may have against Harris that accrued or arose at any time prior to
     the execution of this Retirement Agreement and General Release, including,
     but not limited to, any alleged violations of Title VII of the Civil Rights
     Act; the Employee Retirement Income Security Act; the Americans with
     Disabilities Act; the Family and Medical Leave Act; the Fair Labor
     Standards Act; the Age Discrimination in Employment Act; the Older Workers
     Benefit Protection Act; the Pennsylvania Human Relations Act; the
     Pennsylvania Wage Payment and Collection Law; (S)(S) 1981-1988 of Title 42
     of the U.S.C.; the Immigration Reform and Control Act; the National Labor
     Relations Act; any amendments to the foregoing statutes; any other federal,
     state, or local civil rights or employment-related law, regulation, or
     ordinance; any public policy, contract, tort, or common law, including
     wrongful discharge, reliance, or promissory estoppel; and any allegations
     for costs, fees, or other expenses, including attorneys' fees.

          (b) Executive waives his right to file any action, charge, or
     complaint on his own behalf, and to participate in any action, charge, or
     complaint which may be made by any other person or organization on his
     behalf, with any federal, state, or local judicial body, court, or
     administrative agency against Harris, except where such waiver is
     prohibited by law.  Should any

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     such action, charge, or complaint be filed, Executive agrees that he will
     not accept any relief or recovery therefrom. Executive shall reimburse
     Harris for the fees and costs, including attorneys' fees, of defending such
     action, charge, or complaint.

          (c) Executive agrees not to disclose any information regarding the
     existence or substance of this Retirement Agreement and General Release,
     except to any attorney with whom Executive chooses to consult regarding
     this Agreement, tax advisors, immediate family members, or where such
     disclosure is required by law.

          (d) Executive agrees that neither this Retirement Agreement and
     General Release nor the furnishing of the consideration for this Release
     shall be deemed or construed at any time for any purpose as an admission by
     Harris of any liability or unlawful conduct of any kind.

          (e) In the event that Executive breaches or attempts to breach any
     provision of this Paragraph 11, Executive agrees that Harris will be
     entitled to proceed in any court of law or equity to stop or prevent such
     breach, and will be entitled to any and all forms of relief, including
     injunctive relief.  Executive further agrees to reimburse Harris for all
     fees and costs, including attorneys' fees, incurred as a result thereof.

          (f) By signing this Agreement, Executive represents and agrees that:

               (1) this Agreement is entered into knowingly and voluntarily;

               (2) that he is receiving consideration from Harris in addition to
          anything of value to which he is already entitled;

               (3) that he has been given at least twenty-one (21) days to
          consider this Agreement and has chosen to execute it on the date set
          forth above;

               (4) that he knowingly and voluntarily intends to be legally bound
          by this Agreement;

               (5) that he has been advised to consult with an attorney; and

               (6) that he has seven (7) days following the execution of this
          Agreement to revoke the same, in which case the obligations of the
          parties to this Agreement shall be null and void.

     13.  Property.  Executive shall, no later than his Retirement Date, return
          --------
to Harris all property and documents of Harris then in his possession.

     14.  Severability.  Executive and Harris acknowledge that any restrictions
          ------------
contained in this Agreement are reasonable and that consideration for this
Agreement has been exchanged.  In the event that any provision of this Agreement
shall be held to be void, voidable, or unenforceable, the remaining portions
hereof shall remain in force and effect.

     15.  Construction.  This Agreement shall be construed in accordance with
          ------------
the laws of the Commonwealth of Pennsylvania

                                      -5-
<PAGE>

     16.  Captions.  The captions used herein are for convenience and reference
          --------
only and are in no way to be construed as defining, limiting or modifying the
scope or intent of the various provisions that they introduce.

     17.  Entire Agreement.  This Agreement contains the entire understanding
          ----------------
between the parties hereto and supersedes and renders null and void and of no
force and effect any prior written or oral agreements between them including a
Change in Control Agreement effective August 10, 1998, by and between Executive
and Harris.  There are no representations, agreements, arrangements or
understandings, oral or written, between the parties hereto relating to the
subject matter of this Agreement which are not fully expressed herein.

     18.  Binding Effect.  It is the intention of the parties hereto to be
          --------------
legally bound by the terms hereof and it is further intended that this Agreement
be binding upon the respective heirs, successors, assigns, executors and
administrators of the parties.

     19.  Amendment.  No amendment to this Agreement shall be binding unless in
          ---------
writing and signed by the parties hereto.

ATTEST:                                  HARRIS FINANCIAL, M.H.C.

____________________________             By:_____________________________
(Asst.) Secretary

(SEAL)

ATTEST:                                  HARRIS FINANCIAL, INC.

____________________________             By:_____________________________
(Asst.) Secretary

(SEAL)

ATTEST:                                  HARRIS SAVINGS BANK

____________________________             By:_____________________________
(Asst.) Secretary

(SEAL)

                                      -6-
<PAGE>

ATTEST:                                  NEW HARRIS FINANCIAL, INC.

____________________________             By:_____________________________
(Asst.) Secretary

(SEAL)

WITNESS:                                 EXECUTIVE

____________________________             _________________________________
                                         John W. Atkinson

                                      -7-

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