Document:

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                                                                    Exhibit 10.5

                              Keystone Savings Bank

                     Supplemental Executive Retirement Plan

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Keystone Savings Bank Supplemental Executive Retirement Plan
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                                TABLE OF CONTENTS

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<CAPTION>
Article                                                            Page
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<S>                                                                <C>
1.0     Name of Plan and Purpose ...............................    1

2.0     Eligibility ............................................    1

3.0     Participation ..........................................    1

4.0     Benefits ...............................................    1

5.0     Funding ................................................    2

6.0     Contributions ..........................................    2

7.0     Vesting ................................................    2

8.0     Distributions of Benefits ..............................    3

9.0     Beneficiary Designation ................................    4

10.0    Administration .........................................    4

11.0    Amendment and Termination ..............................    4

12.0    Miscellaneous ..........................................    4
</TABLE>

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          KEYSTONE SAVINGS BANK SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN

1.0      Name of Plan and Purpose

1.1      This document will be known as the "Keystone Savings Bank Supplemental
         Executive Retirement Plan" (the "SERP"). Its purpose is to supplement
         the retirement benefits available to certain eligible participants in
         the Keystone Savings Bank Retirement Plan (the "Pension Plan") by
         restoring benefits that would have been available under the Pension
         Plan had the Pension Plan not been amended as required by the Tax
         Reform Act of 1986.

2.0      Eligibility

2.1      Eligibility under this SERP will be restricted to employees
         ("Employees") of Keystone Savings Bank (the "Bank") who were employed
         by the Bank on January 1, 1987; participating in the Pension Plan on
         that date under the terms of the Pension Plan; whose benefits under the
         Pension Plan are on the date of adoption of this SERP or thereafter
         adversely affected by the amendments made to the Pension Plan pursuant
         to the Tax Reform Act of 1986 and who are approved by the Retirement
         Plan Committee (the "Committee") of the Board of Trustees (the "Board")
         of the Bank to be Participants in the SERP.

3.0      Participation

3.1      Employees who are eligible to participate in this SERP on the date of
         adoption of this SERP will become Participants in this SERP as of that
         date.

3.2      Employees who become eligible to participate in this SERP after the
         date of adoption of this SERP will become Participants in this SERP as
         of the first day of the calendar year in which they become eligible.

4.0      Benefits

4.1      The benefits to which a Participant will be entitled under this SERP
         will be equal to the balance in the Participant's SERP Account in the
         Deferred Compensation Trust established under section 5.0 herein.

                                      -1-

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Keystone Savings Bank Supplemental Executive Retirement Plan
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5.0      Funding

5.1      The Bank will make pro rata quarterly cash contributions of each Plan
         year's Required Annual Contribution Amount (determined under Article
         6.0 herein) for the benefit of each Participant to a trust established
         under a separate trust agreement which will be known as the "Deferred
         Compensation Trust." The Trustees of the Deferred Compensation Trust
         will receive each quarterly cash contribution and allocate it to the
         separate account of each Participant established and maintained under
         the Deferred Compensation Trust for the benefit of each Participant
         (the "Participant's SERP Account") to be held or invested as provided
         in the Deferred Compensation Trust agreement.

6.0      Contributions

6.1      An actuary, engaged by the Bank, will periodically compute the Required
         Annual Contribution Amount in respect of each Participant. The Required
         Annual Contribution Amount will be determined by the actuary as the
         amount required to fund the Participant's "SERP Benefit Amount." The
         SERP Benefit Amount will be an amount equal to the excess of the
         monthly pension benefit that would be provided to the Participant under
         the Pension Plan if the amendments to the Pension Plan required
         pursuant to the Tax Reform Act of 1986 had not been made over the
         monthly pension benefit determined by the actuary to be payable under
         the Pension Plan.

6.2      Except as provided in Section 6.3 herein, in determining the SERP
         Benefit Amount of each Participant and the Required Annual Contribution
         Amount, the actuary will employ the same assumptions and methods
         employed to calculate annual contributions required under the Pension
         Plan.

6.3      In determining the assets available in the Deferred Compensation Trust
         to pay SERP Benefit Amounts, the actuary will assume that contributions
         to the Deferred Compensation Trust grew at the assumed rates of return
         used by the actuary of the Pension Plan for the same periods of time.
         The actuary will also assume that SERP Benefit Amounts are to be funded
         ratably over the expected future service period of each Participant
         from the date of calculation to the Participant's Normal Retirement
         Date under the Pension Plan.

7.0      Vesting

7.1.1    Participants vest in their benefits under this SERP in the same manner
         as they vest in benefits under the Pension Plan.

                                      -2-

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Keystone Savings Bank Supplemental Executive Retirement Plan
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8.0      Distributions of Benefits

8.1      The balance in a Participant's SERP Account will be paid out to the
         Participant or the Participant's Designated Beneficiary or
         Beneficiaries in the event that the Participant is then deceased
         (collectively referred to hereinafter in this Article 8.0 as the
         "Recipient"), at the Recipient's direction within 90 days following the
         Participant's termination of employment with the Bank. The Recipient
         may direct the payment of the Participant's SERP Account balance to be
         paid in lump sum or in periodic installments (no more frequently than
         monthly) as directed by the Recipient and approved by the Committee.

8.2      The Recipient's directions as to payment of the Participant's SERP
         Account balance will be made in a written notice delivered by the
         Recipient to the Chairman (the "Chairman") of the Committee (or any
         member of the Board if no such office is then constituted) within 90
         days following the Participant's termination of employment by the Bank.
         The Recipient may at any time prior to such 90th day revoke or amend
         directions previously given by the Recipient.

8.3      If the Recipient fails to direct the payment of the Participant's SERP
         Account balance in accordance with section 8.2, herein, the
         Participant's SERP Account balance will be paid out of the Deferred
         Compensation Trust by the Trustee to the Recipient in lump sum.

8.4      In the event a Participant fails to designate a beneficiary or
         beneficiaries in accordance with section 9.1 herein, and such
         Participant is deceased prior to the payout of the entire amount of the
         Participant's SERP Account balance, the Participant's then remaining
         SERP Account balance will be paid out in lump sum to the deceased
         Participant's estate.

8.5      In the event a Designated Beneficiary is deceased prior to the payout
         of the entire amount of the Participant's SERP Account Balance and no
         living alternate beneficiary is then found by the Committee to become
         the Designated Beneficiary in accordance with section 9.1 herein, the
         Participant's then remaining SERP Account balance allocable to the
         deceased Designated Beneficiary will be paid out in lump sum to the
         deceased Designated Beneficiary's estate.

8.6      Distributions to Recipients will be made net of any required tax
         withholdings.

                                      -3-

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Keystone Savings Bank Supplemental Executive Retirement Plan
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9.0      Beneficiary Designation

9.1      Each Participant will be entitled to designate one or more
         beneficiaries and one or more successive alternate beneficiaries to be
         the Participant's Designated Beneficiary under this SERP. Such
         designation will be made by notice in writing to the Chairman (or any
         member of the Board if no such office is then constituted) naming the
         beneficiaries and the successive alternate beneficiaries to be the
         Designated Beneficiary under this SERP. Such designation may be revoked
         or amended at any time by the Participant by notice similarly given.

10.0     Administration

10.1     This SERP will be administered by the Committee which will have the
         sole discretion to interpret the SERP provisions, make rules and
         regulations pertaining to its administration and decide all questions
         arising in connection with its administration all of which shall be
         binding upon the Bank, the Participants, the Designated Beneficiaries
         and all persons claiming through them.

10.2     No member of the Committee or the Board or employee of the Bank will be
         liable to the Bank, any Participant, any Designated Beneficiary or any
         person claiming rights under the SERP through the Bank, a Participant
         or a Designated Beneficiary for any act or failure to act which is done
         (or not done as the case may be) in good faith.

10.3     All expenses of administering the SERP will be borne by the Bank.

11.0     Amendment and Termination

11.1     The Board reserves the right to amend or terminate the SERP at any time
         except that no such amendment will affect benefits or rights to which
         any Participant became entitled prior to such amendment or termination.

12.0     Miscellaneous

12.1     It is intended that this SERP not be a qualified plan within the
         meaning of section 401(a) of the Internal Revenue Code of 1986 and that
         it be exempt from coverage under the Employee Retirement Income
         Security Act of 1974 ("ERISA") pursuant to section 202(2) thereof.

                                      -4-

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Keystone Savings Bank Supplemental Executive Retirement Plan
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12.2     Any reference herein to any statute will be interpreted to include
         reference to any successor statute. Any reference herein to any office,
         officer, committee or board will be interpreted to include reference to
         any successor office, officer, committee or board. Any reference herein
         to the Bank will include reference to any successor to the Bank.

12.3     Any person asserting a claim under this SERP must put the claim in
         writing and submit it to the Secretary of the Keystone Savings Bank,
         P.O. Box 25012, Lehigh Valley, PA 18002-5012 for processing. The
         Committee will then review the claim and reply to it within 90 days.
         The Committee's decision shall be final and binding. This
         administrative remedy shall be pursued prior to the filing of any legal
         action.

12.4     The Plan Year upon which the books and records of account of this SERP
         will be maintained will coincide with the plan yearv of the Pension
         Plan.

12.5     Participation in this SERP shall not provide any Participant with the
         right to remain in the employment of the Bank or the right to continue
         to serve as a trustee of the Bank.

12.6     To the extent the enforcement or interpretation of this SERP is not
         preempted by ERISA but is dependent upon state law, the laws of the
         Commonwealth of Pennsylvania, not including its conflict of laws
         provisions, shall govern.

12.7     Captions and headings appearing herein are for convenient reference
         only.  The text of this SERP shall control.

Adopted by Resolution of the Board of Trustees on December 22, 1997

                                         /s/ Michele A. Linsky
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                                         Michele A. Linsky, Corporate Secretary

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Keystone Savings Bank Supplemental Executive Retirement Plan
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                                  ELECTION FORM

Name of Participant: _______________________________________________________

Plan Year Beginning Date: _____________________

Part I Contribution Investment Allocation Directions
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I hereby direct that contributions to my SERP Account by the Bank be allocated
by the Trustees of the Deferred Compensation Trust among the following
investments in increments of 5%:
____ % to ___________________________      ____ % to ___________________________

____ % to ___________________________      ____ % to ___________________________

____ % to ___________________________      ____ % to ___________________________

Total Percent of allocations               ____ % (Must equal 100%)

Part II Beneficiary Designation
-------------------------------

I hereby designate the following beneficiaries to receive payment of any Plan
benefits that may be due following my death:
Name, Social Security Number, Address and % Share of Primary Beneficiaries:

No.

1._________________________________________________________________ % Share ____

2._________________________________________________________________ % Share ____

3._________________________________________________________________ % Share ____

4._________________________________________________________________ % Share ____

Name, Social Security Number and Address of Alternate Beneficiaries:
No.

1._________________________________________________________________
             (To Succeed Primary Beneficiary 1., above)

2._________________________________________________________________
             (To Succeed Primary Beneficiary 2., above)

3._________________________________________________________________
             (To Succeed Primary Beneficiary 3., above)

4._________________________________________________________________
             (To Succeed Primary Beneficiary 4., above)

                                    -Side 1-

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Keystone Savings Bank Supplemental Executive Retirement Plan
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Part III Distribution Election
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[_] Lump sum payment ________ days after my termination of employment with or
service as a director of the Bank. (May not be less than 90 days after
termination of employment nor more than 120 days after the close of the Plan
year in which termination of employment with the Bank occurs.)

[_] Monthly, [_] Quarterly, [_] Semiannual or [_] Annual periodic installments
over ____ years (Not more than 10 years) beginning ____days after my termination
of employment with the Bank. (May not be less than 90 days after termination of
employment nor more than 120 days after the close of the Plan year in which
termination of employment with the Bank occurs.) (Each periodic installment will
be calculated by multiplying the balance in the account by 1 divided by the
number of periodic installments remaining prior to the payment of the
installment in question).

Part IV Participant Acknowledgment
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By signing this form I acknowledge that I have received a copy of the Keystone
Savings Bank Supplemental Executive Retirement Plan and the related Deferred
Compensation Trust Agreement, I have read each of these documents and I
understand and agree to their terms.

_____________________________________________________         __________________
   Participant or Designated Beneficiary Signature                   Date

_____________________________________________________
 Print name of Participant or Designated Beneficiary

                                    -Side 2-<PAGE>

                                                                    EXHIBIT 10.6

                              KEYSTONE SAVINGS BANK
                              PERFORMANCE UNIT PLAN

         1. Purpose. The purpose of this Plan is to afford an incentive to
executive officers, senior vice presidents and members of the Board of Trustees
of Keystone Savings Bank (hereinafter referred to as the "Company") and to
enable the Company to retain and attract personnel of the highest caliber who by
their position, ability and diligence are able to make important contributions
to the Company's growth.

         2. Definitions.

            a. "Company" means Keystone Savings Bank, or any company successor
thereto by merger, consolidation, liquidation, or other reorganization, which
has made provision for adoption of this Plan and the assumption of the Company's
obligations hereunder.

            b. "Initial Value" per Unit, ($9.43), means the value of the
Company's capital, excluding the security valuation reserve, as of December 31,
2001 divided by 10 million.

            c. "Interim Value" per Unit means the value of the Company's
capital, excluding the security valuation reserve, as of the month ended
preceding the award of Units, after the Effective Date of the Plan, divided by
10 million.

            d. "Final Value" per Unit means the value of the Company's capital,
excluding the security valuation reserve, as of December 31, 2006 divided by 10
million.

            e. "Participant" means an employee or Trustee listed on Schedule 1
who is awarded Performance Units hereunder, and those employees and Trustees
subsequently selected by the Personnel Committee to be awarded Performance Units
hereunder.

            f. "Retirement" means a severance from the Company's employment upon
or after attainment of two (2) years of service and 55 years of age for
employees, and two (2) years of service for Trustees.

            g. "Termination Date" means the date of a Participant's severance
from employment with, or service on the Board of, the Company by reason of
death, Retirement, Disability, resignation, discharge or otherwise.

            h. "Disability" means complete and permanent inability by reason of
illness or accident to perform the duties of the occupation at which a
Participant was employed by Company when such disability commenced, or to serve
as a Member of the Board.

                                       -1-

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            i. "Termination For Cause" shall mean (i) conviction of employee for
any felony, fraud or embezzlement, or (ii) employee's failure or refusal to
comply with the written policies or written directives of the company, or
employee being guilty of misconduct in connection with the performance of his or
her duties for the Bank.

            j. "Units" means Performance Units granted pursuant to this Plan.

            k. "Valuation Date" means with respect to an account established
hereunder, subject to the provisions of paragraph 9 hereof, December 31, 2006.

            l. "Effective Date" means January 1, 2002.

         3. Administration. This Plan shall be administered by the Personnel
Committee of the Board of Trustees. Such Committee, hereinafter referred to as
the "Committee" is authorized to interpret the terms and provisions of the Plan
and to adopt such rules and regulations for the administration of the Plan as it
may deem advisable. Members of the Committee shall not participate in any
discretionary determinations related to their respective benefits under this
Plan.

         4. Eligibility. Performance Units shall be granted only to the persons
identified on Schedule 1 hereof and those executive officers, senior vice
presidents and members of the Board of Trustees of Keystone Savings Bank
subsequently selected by the Committee. Subject to the terms, provisions and
conditions of this Plan, the Committee is authorized to (a) select employees and
members of the Board, in addition to those listed on Schedule 1, to be granted
Performance Units; (b) determine the number of Performance Units covered by each
grant; provided, however, that the number of Units to be awarded to members of
the Board shall be 4000; (c) determine the time or times when, and the
conditions under which, amounts may become payable with respect to Performance
Units within the limits stated in this Plan; and (e) prescribe the form, which
shall be consistent with the Plan, of the instruments evidencing any Performance
Units granted under this Plan.

         5. Performance Unit Accounts. The Company shall record in an account
with respect to each Participant identified in Schedule 1 the number of Units
awarded to such Participant and the Initial Value thereof, and with respect to
each Participant selected by the Committee, in addition to those listed on
Schedule 1, the number of Units awarded to such Participant and the Interim
Value thereof. A separate account shall be maintained with respect to each award
of Performance Units to each Participant.

                                       -2-

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         6. Valuation of Units. The amount to be paid to the Participant with
respect to any account established in his or her name under this Plan shall be
determined on the Valuation Date with respect to such account, shall be
calculated only with respect to vested Units included in such account, and shall
consist of the excess, if any, of (a) the Final Value per Unit times the number
of vested Units included in such account over (b) the Initial Value or the
Interim Value per Unit, in accordance with paragraph 5 hereof, times the number
of vested Units included in such account, less any amount which the Company is
required to withhold with respect to such payment under the then applicable
provisions of the Internal Revenue Code of 1986, as amended, or state or local
income tax laws. Payment shall be made wholly in cash or may be deferred in
accordance with paragraph 8 hereof.

         7. Vesting. One-fourth of the Performance Units credited to each
Participant's account shall become vested on the second anniversary date of the
award of Performance Units to which such account relates and an additional
one-fourth shall vest on each such anniversary date for the next succeeding
years of the Plan. Such vesting shall occur only if the Participant on the date
of the vesting has continuously been an employee, or served as a member of the
Board, of the Company since the date of the award. In the event of death of a
Participant, or termination as a result of Disability or Retirement, such
Participant's account shall automatically become fully vested. A leave of
absence, unless otherwise determined by the Committee, shall not constitute a
cessation of employment.

         8. Payment of Unit Value. Not later than 120 days following the
Valuation Date, the Committee shall notify the Participant in writing of his or
her right to receive payment in respect to all or any portion of the vested
Units in such account in the calendar year following the Valuation Date. All or
any portion of the vested Units may be deferred by transferring the value of
such Units to the Keystone Savings Bank Executive and Trustees Deferred
Compensation Plan. Participants shall make an election of their method of
payment not later than December 31, 2006. Payment to Participant and/or transfer
to the Deferred Compensation Plan shall be made as soon as practicable, but in
no event more than 30 days after receipt of the notice of right to receive
payment. In the event a Participant does not make a payment election, payment in
respect of all vested Units in such account shall be made by the Company to the
participant.

         9. Minimum Performance Level. No payment or deferral with respect to
vested Units shall be made to any Participant unless the Company's minimum
performance level is achieved for the five year period beginning on the
Effective Date and ending on the Valuation Date. The minimum performance level
necessary for payment of the vested Unit Value under the Plan shall be an
average Return on Equity of 9% for the period of the Plan.

                                       -3-

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         10. Termination of Employment. In the event of death or termination of
employment, by Retirement, Disability or otherwise, of a Participant prior to
the Valuation Date, the value of the vested Units in such Participant's account
on the date of the Participant's death or termination of employment shall be
determined in accordance with paragraph 6 hereof as if the Valuation Date with
respect to such Units then credited to his or her account had occurred on the
date of such Participant's death or termination of employment, in which event
the Final Value per Unit shall be the value of the Company's capital, excluding
the security valuation reserve as of the month end in which termination occurs,
following such Participant's death or termination of employment, divided by 10
million, and such value shall be paid in accordance with paragraph 8 hereof. In
the event of the death or termination of employment by Retirement, Disability or
otherwise, of a Participant after the Valuation Date, any amounts remaining
unpaid will be paid in the manner previously determined in accordance with
paragraph 8 hereof. In the event of the death of a Participant, prior to or
after the Valuation Date, all payments to which such Participant would be
entitled shall be delivered to the Participant's designated beneficiary,
otherwise to the executor or administrator of the Participant's estate. In the
event an employee is terminated for cause, all of his or her interests in the
plan shall be forfeited.

         11. Rights of Company. Nothing contained in this Plan or in any grant
pursuant to this Plan shall (a) interfere in any way with the right of the
Company to terminate the employment of a Participant at any time for any reason
or no reason; or (b) be evidence of any agreement or understanding, express or
implied, that the Company will employ a Participant in any particular position
or at any particular rate of remuneration or for any particular period of time.

         12. Amendments to Plan. The Board of Trustees may at any time terminate
or from time to time amend, modify or suspend this Plan.

         13. Governing Law. This Plan shall be governed and construed in
accordance with the laws of the Commonwealth of Pennsylvania.

         14. Nonalienation of Benefits. No right or benefit under this Plan
shall be subject to anticipation, alienation, sale, assignment, pledge,
encumbrance, or charge, and any attempt to anticipate, alienate, sell, assign,
pledge, encumber or charge the same shall be void. No right or benefit hereunder
shall in any manner be liable for or subject to the debts, contracts,
liabilities or torts of the person entitled to such benefits. If any Participant
hereunder should become bankrupt or attempt to anticipate, alienate, sell,
assign, pledge, encumber, or charge any right or benefit hereunder, then such
right or benefit shall, in the discretion of the Administrative Committee, cease
and desist, and in such event, the Company may hold or apply the same or any
part thereof for the benefit of the Participant, his or her spouse, children, or
other dependents, or any of them, in such manner and in such proportion as the
Administrative Committee may deem proper.

         15. Approval. This Plan shall be submitted to the Board of Trustees for
approval and if approved shall be effective as of the Effective Date.

                                       -4-

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                                   SCHEDULE 1
                                  PARTICIPANTS

                                   PERFORMANCE                  2002 SALARY
OFFICERS                              UNITS                       (000's)
--------                           -----------                  -----------

Frederick E. Kutteroff               42,400                       $ 274.0
Richard L. Meares                    27,100                         175.0
Eugene T. Sobol                      23,100                         149.0
John F. Acanfora                     16,300                         105.0
Deborah R. Goldsmith                 12,100                          78.0
James M. Higgins                     15,500                         100.0
Virginia D. Smith                    13,100                          84.5
William L. Vitalos                   13,200                          85.0
Karen L. Whitehill                   14,700                          95.0

TRUSTEES
--------

Jeffrey P. Feather                    4,000                       $  25.8
Michael J. Gausling                   4,000                          25.8
Donna D. Holton                       4,000                          25.8
John A. Mountain                      4,000                          25.8
R. Chadwick Paul, Jr.                 4,000                          25.8
Robert R. Scholl                      4,000                          25.8
Kenneth R. Smith                      4,000                          25.8
R. Charles Stehly                     4,000                          25.8
Richard L. Strain                     4,000                          25.8

         Performance Units have been awarded, assuming an average Return on
Equity of 11% is achieved for the Plan period, producing a target payout of 100%
of 2002 salary.

                                       -5-

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