Document:

<PAGE>
                                                                   Exhibit 10.12

                                   ADDENDUM A
                            THE FARMERS CITIZENS BANK
                             SPLIT DOLLAR AGREEMENT

      THIS SPLIT DOLLAR AGREEMENT is entered into as of this    day of , 2001,
by and between The Farmers Citizens Bank, an Ohio-chartered, FDIC-insured bank
with its main office in Bucyrus, Ohio (the "Bank") and G.W. Holden, its
President and Chief Executive Officer (the "Executive"). This Split Dollar
Agreement shall append the Split Dollar Endorsement entered into on even date
herewith, or as subsequently amended, by and between the aforementioned parties.

      To encourage the Executive to remain an employee of the Bank, the Bank is
willing to divide the death proceeds of a life insurance policy on the
Executive's life. The Bank will pay life insurance premiums from its general
assets.

                                    ARTICLE 1
                               GENERAL DEFINITIONS

      Capitalized terms not otherwise defined in this Split Dollar Agreement are
used herein as defined in the Salary Continuation Agreement of even date
herewith. The following terms shall have the meanings specified:

      "Insurer" means Transamerica Assurance Company.

      "Policy" means insurance policy no. 50394263 issued by the Insurer.

      "Insured" means the Executive.

                                    ARTICLE 2
                           POLICY OWNERSHIP/INTERESTS

      2.1 Bank Ownership. The Bank is the sole owner of the Policy and shall
have the right to exercise all incidents of ownership. The Bank shall be the
beneficiary of any death proceeds remaining after the Executive's interest has
been paid under Section 2.2 of this Split Dollar Agreement.

      2.2 Executive's Interest. The Executive shall have the right to designate
the beneficiary(ies) of death proceeds. Should the Insured be employed by the
Bank at the time of death, retired from the Bank at the time of death, or
terminated from the Bank due to disability, as defined in the Insured's Salary
Continuation Agreement with the Bank in effect at the time of said disability,
at the time of death, then the Insured's Beneficiary(ies), designated in
accordance with the Split Dollar Policy Endorsement, shall be entitled to an
amount equal to the amount set forth in Exhibit A that corresponds to the age of
the Insured at the time of death, or one hundred percent (100%) of the net at
risk insurance portion of the proceeds, whichever amount is less. The net at
risk insurance portion is the total proceeds less the cash value of the Policy.
The Executive shall also have the right to elect and change settlement options
specified in the Policy that may be permitted.

      2.3 Option to Purchase. The Bank shall not sell, surrender or transfer
ownership of the Policy while this Split Dollar Agreement is in effect without
first giving the Executive or the Executive's transferee a right of first
refusal to purchase the Policy for the Policy's interpolated terminal reserve
value. The right of first refusal to purchase the Policy must be exercised
within 60 days from the date the Bank gives written notice of the Bank's
intention to sell, surrender or transfer ownership of the Policy. This provision
shall not impair the right of the Bank to terminate this Split Dollar Agreement.

      2.4 Comparable Coverage. Upon execution of this Agreement, the Bank shall
maintain the Policy in full force and effect, and the Bank shall not amend,
terminate or otherwise abrogate the Executive's interest in the Policy unless
the Bank (a) replaces the Policy with a comparable insurance policy to cover the
benefit provided under this Split Dollar Agreement and (b) executes a new Split
Dollar Agreement and Endorsement for the comparable insurance policy. The Policy
or any comparable policy shall be subject to the claims of the Bank's creditors.

<PAGE>
                                    ARTICLE 3
                                    PREMIUMS

      3.1   Premium Payment.  The Bank shall pay any premiums due on the
Policy.

      3.2 Imputed Income. The Bank shall impute income to the Executive in an
amount equal to (a) the current term rate for the Executive's age, multiplied by
(b) the net death benefit payable to the Executive's beneficiary(ies). The
"current term rate" is the minimum amount required to be imputed under Revenue
Rulings 64-328 and 66-110, or any subsequent applicable authority.

                                    ARTICLE 4
                                   ASSIGNMENT

      The Executive may assign without consideration all interests in the Policy
and in this Split Dollar Agreement to any person, entity or trust. If the
Executive transfers all of the Executive's interest in the Policy, then all of
the Executive's interest in the Policy and in the Split Dollar Agreement shall
be vested in the Executive's transferee, who shall be substituted as a party
hereunder, and the Executive shall have no further interest in the Policy or in
this Split Dollar Agreement.

                                    ARTICLE 5
                                     INSURER

      The Insurer shall be bound only by the terms of the Policy. Any payments
the Insurer makes or actions it takes in accordance with the Policy shall fully
discharge it from all claims, suits and demands of all entities or persons. The
Insurer shall not be bound by or be deemed to have notice of the provisions of
this Split Dollar Agreement.

                                    ARTICLE 6
                                CLAIMS PROCEDURE

      6.1 Claims Procedure. The Bank shall notify in writing any person or
entity making a claim under this Split Dollar Agreement (the "Claimant') of his
or her eligibility or ineligibility for benefits under this Split Dollar
Agreement. The Bank shall provide the written notice within 90 days after
Claimant's written application for benefits. If the Bank determines that the
Claimant is not eligible for benefits or full benefits, the notice shall set
forth (1) the specific reasons for the denial, (2) a specific reference to the
provisions of this Split Dollar Agreement on which denial is based, (3) a
description of any additional information or material necessary for the Claimant
to perfect his or her claim, and a description of why it is needed, and (4) an
explanation of this Split Dollar Agreement's claims review procedure and other
appropriate information as to the steps to be taken if the Claimant wishes to
have the claim reviewed. If the Bank determines that there are special
circumstances requiring additional time to make a decision, the Bank shall
notify the Claimant of the special circumstances and the date by which a
decision is expected to be made, extending the time for up to an additional 90
days.

      6.2 Review Procedure. If the Bank determines that the Claimant is not
eligible for benefits or full benefits, or if the Claimant believes that he or
she is entitled to greater or different benefits, the Claimant shall have the
opportunity to have his or her claim reviewed by the Bank by filing a petition
for review with the Bank within 60 days after receipt of the written notice
issued by the Bank. The Claimant's petition shall state the specific reasons the
Claimant believes entitle him or her to benefits or to greater or different
benefits. Within 60 days after the Bank's receipt of the petition, the Bank
shall give the Claimant (and counsel, if any) an opportunity to present his or
her position to the Bank verbally or in writing, and the Claimant (or counsel)
shall have the right to review the pertinent documents. The Bank shall notify
the Claimant of the Bank's decision in writing within the 60-day period, stating
specifically the basis of its decision and identifying the specific provisions
of this Split Dollar Agreement on which the decision is based. If, because of
the need for a hearing, the 60-day period is not sufficient, the decision may be
deferred for up to another 60-day period at the election of the Bank, but notice
of this deferral must be given to the Claimant.

                                        2
<PAGE>
                                    ARTICLE 7
                            AMENDMENTS AND TERMINATION

      7.1 Amendment. This Split Dollar Agreement may be amended only by a
writing signed by the Bank and the Executive.

      7.2 Termination of Agreement. This Split Dollar Agreement shall terminate
upon the occurrence of any one of the following:

      (a)   The Insured's employment from the Bank terminates without the
            Insured being entitled to the Normal Retirement Benefit, the Early
            Termination Benefit or the Disability Benefit provided by Section
            2.1, 2.2, or 2.3, respectively, of the Insured's Salary Continuation
            Agreement with the Bank; or

      (b)   The Insured shall be discharged from employment with the Bank for
            cause. The term "for cause" shall mean any of the following that
            result in an adverse effect on the Bank: (i) gross negligence or
            gross neglect; (ii) the commission of a felony or gross misdemeanor
            involving moral turpitude, fraud, or dishonesty; (iii) the willful
            violation of any law, rule, or regulation (other than a traffic
            violation or similar offense); (iv) an intentional failure to
            perform stated duties; or (v) a breach of fiduciary duty involving
            personal profit; or

      (c)   Surrender, lapse, or other termination of the Policy by the Bank; or

      (d)   The Insured receives to a Change-in-Control Benefit provided by
            Section 2.4 of the Insured's Salary Continuation Agreement with the
            Bank. Change of Control is defined in the Insured's Salary
            Continuation Agreement with the Bank; or

      (e)   The Insured receives a Change-in-Control Benefit provided by Section
            2.6 of the Insured's Salary Continuation Agreement with the Bank.
            Change of Control is defined in the Insured's Salary Continuation
            Agreement with the Bank; or

      (f)   The Insured's employment from the Bank terminates with the Insured
            being entitled to and receiving in full the Normal Retirement
            Benefit, the Early Termination Benefit or the Disability Benefit
            provided by Section 2.1, 2.2, or 2.3, respectively, of the Insured's
            Salary Continuation Agreement with Bank; or

      (g)   Distribution of the death benefit proceeds in accordance with
            Section 2.2 above.

                                    ARTICLE 8
                                  MISCELLANEOUS

      8.1 Binding Effect. This Split Dollar Agreement shall bind the Executive
and the Bank and their beneficiaries, survivors, executors, administrators and
transferees, and any Policy beneficiary.

      8.2 No Guarantee of Employment. This Split Dollar Agreement is not an
employment policy or contract. It does not give the Executive the right to
remain an employee of the Bank, nor does it interfere with the Bank's right to
discharge the Executive. It also does not require the Executive to remain an
employee nor interfere with the Executive's right to terminate employment at any
time.

      8.3 Successors; Binding Agreement. By an assumption agreement in form and
substance satisfactory to the Executive, the Bank shall require any successor
(whether direct or indirect, by purchase, merger, consolidation or otherwise) to
all or substantially all of the business or assets of the Bank to expressly
assume and agree to perform this Split Dollar Agreement in the same manner and
to the same extent that the Bank would be required to perform this Split Dollar
Agreement if no succession had occurred. The Bank's failure to obtain such an
assumption agreement before succession becomes effective shall be considered a
breach of the Split Dollar

                                        3
<PAGE>
Agreement and shall entitle the Executive to the Change-in-Control benefit
payable under Section 2.4 of the Salary Continuation Agreement between the Bank
and the Executive of even date herewith.

      8.4 Applicable Law. The Split Dollar Agreement and all rights hereunder
shall be governed by and construed according to the laws of the State of Ohio,
except to the extent preempted by the laws of the United States of America.

      8.5 Entire Agreement. This Split Dollar Agreement constitutes the entire
agreement between the Bank and the Executive concerning the subject matter
hereof. No rights are granted to the Executive under this Split Dollar Agreement
other than those specifically set forth herein.

      8.6 Administration. The Bank shall have powers which are necessary to
administer this Split Dollar Agreement, including but not limited to the power
to:

      (a)   interpret the provisions of the Split Dollar Agreement,

      (b)   establish and revise the method of accounting for the Split Dollar
            Agreement,

      (c)   maintain a record of benefit payments, and

      (d)   establish rules and prescribe forms necessary or desirable to
            administer the Split Dollar Agreement.

      8.7 Named Fiduciary. The Bank shall be the named fiduciary and plan
administrator under this Split Dollar Agreement. The Bank may delegate to others
certain aspects of management and operational responsibilities, including the
employment of advisors and the delegation of ministerial duties to qualified
individuals.

      8.8 Severability. If for any reason any provision of this Split Dollar
Agreement is held invalid, such invalidity shall not affect any other provision
of this Split Dollar Agreement not held so invalid, and each such other
provision shall, to the full extent consistent with the law, continue in full
force and effect. If any provision of this Split Dollar Agreement shall be held
invalid in part, such invalidity shall in no way affect the remainder of such
provision, not held so invalid, and the remainder of such provision, together
with all other provisions of this Split Dollar Agreement shall, to the full
extent consistent with the law, continue in full force and effect.

      8.9 Headings. The headings of Sections herein are included solely for
convenience of reference and shall not affect the meaning or interpretation of
any provision of this Split Dollar Agreement.

      8.10 Notices. All notices, requests, demands and other communications
hereunder shall be in writing and shall be deemed to have been duly given if
delivered by hand or mailed, certified or registered mail, return receipt
requested, with postage prepaid, to the following addresses or to such other
address as either party may designate by like notice.

                  (a)   If to the Bank, to:
                        Board of Directors
                        The Farmers Citizens Bank
                        123 North Sandusky Avenue
                        P.O. Box 567
                        Bucyrus, Ohio  44820

                  (b)   If to the Executive, to:

                                        4
<PAGE>
and to such other or additional person or persons as either party shall have
designated to the other party in writing by like notice.

      IN WITNESS WHEREOF, the Bank and the Executive has signed this Split
Dollar Agreement as of the date and year first written above.

THE EXECUTIVE:                            THE BANK:
                                          THE FARMERS CITIZENS BANK

-----------------------
G.W. Holden                               By:
                                              ---------------------------

                                          Its:
                                              ---------------------------

                                       5
<PAGE>
                          SPLIT DOLLAR POLICY ENDORSEMENT
                             THE FARMERS CITIZENS BANK
                              SPLIT DOLLAR AGREEMENT

Policy No. 50394263                 Insured:        G.W. Holden

      Supplementing and amending the application for insurance to Transamerica
Assurance Company ("Insurer") on November 2, 1998 (the application date), the
applicant requests and directs that:

                                  BENEFICIARIES

      1. The Farmers Citizens Bank, located in Bucyrus, Ohio (the "Bank"), shall
be the beneficiary of any death proceeds remaining after the Insured's interest
has been paid under paragraph (2) below.

      2. The Insured or the Insured's transferee shall designate the
beneficiary(ies) of death proceeds. Should the Insured be employed by the Bank
at the time of death, retired from the Bank at the time of death, or terminated
from the Bank due to disability, as defined in the Insured's Salary Continuation
Agreement with the Bank in effect at the time of said disability, at the time of
death, then the Insured's beneficiary(ies) designated in accordance with this
Split Dollar Policy Endorsement shall be entitled to an amount equal to the
amount set forth in Exhibit A that corresponds to the age of the Insured at the
time of death, or one hundred percent (100%) of the net at risk portion of the
proceeds, whichever amount is less. The net at risk insurance portion is the
total proceeds less the cash value of the Policy.

                                   OWNERSHIP

      3. The Owner of the Policy shall be the Bank. The Owner shall have all
ownership rights in the Policy except as may be specifically granted to the
Insured or the Insured's transferee in paragraph (4) of this endorsement.

      4. The Insured or the Insured's transferee shall have the right to assign
his or her rights and interests in the Policy with respect to that portion of
the death proceeds designated in paragraph (2) of this endorsement, and to
exercise all settlement options with respect to such death proceeds.

               MODIFICATION OF ASSIGNMENT PROVISIONS OF THE POLICY

      5. Upon the death of the Insured, the interest of any collateral assignee
of the Owner of the Policy designated in (3) above shall be limited to the
portion of the proceeds described in paragraph (1) above.

                                OWNER'S AUTHORITY

      6. The Insurer is hereby authorized to recognize the Owner's claim to
rights hereunder without investigating the reason for any action taken by the
Owner, including the Owner's statement of the amount of premiums the Owner has
paid on the Policy. The signature of the Owner shall be sufficient for the
exercise of any rights under this Endorsement and the receipt of the Owner for
any sums received by it shall be a full discharge and release therefore to the
Insurer. The Insurer may rely on a sworn statement in form satisfactory to it
furnished by the Owner, its successors or assigns, as to their interest and any
payments made pursuant to such statement shall discharge the Bank accordingly.

      7.    Any transferee's rights shall be subject to this Endorsement.

      8.    The Owner accepts and agrees to this split dollar endorsement.

      9. The undersigned is signing in a representative capacity and warrants
that he or she has the authority to bind the entity on whose behalf this
document is being executed.

                                        6
<PAGE>
      Signed at Bucyrus, Ohio, this           day of                     , 2001.

THE FARMERS CITIZENS BANK

By:
      ------------------------------
Its:
      ------------------------------

      The Insured accepts and agrees to the foregoing and, subject to the rights
of the Owner as stated above, designates ,                   (relationship: )
as primary beneficiary(s) and                   , (relationship:             )
as secondary beneficiary of the portion of the proceeds described in (2) above.

Signed at Bucyrus, Ohio, this day of                                     , 2001.

THE INSURED

-------------------------------
G.W. Holden

                                       7
<PAGE>
                          SPLIT DOLLAR POLICY ENDORSEMENT
                            THE FARMERS CITIZENS BANK
                             SPLIT DOLLAR AGREEMENT

                                    EXHIBIT A
                                       FOR
                                  G. W. HOLDEN

<TABLE>
<CAPTION>
                          End of Year Age of Insured       Amount of Death
End of Year               at the  Time of  Death              Benefit
-----------               --------------------------       ---------------

<S>                       <C>                              <C>
2001                      55                                 $872,005

2002                      56                                 $872,005

2003                      57                                 $872,005

2004                      58                                 $872,005

2005                      59                                 $872,005

2006                      60                                 $872,005

2007                      61                                 $872,005

2008                      62                                 $872,005

2009                      63                                 $872,005

2010                      64                                 $872,005

2011                      65                                 $872,005

2012                      66                                 $840,632

2013                      67                                 $806,654

2014                      68                                 $769,857

2015                      69                                 $730,005

2016                      70                                 $686,846

2017                      71                                 $640,104

2018                      72                                 $589,483

2019                      73                                 $534,661

2020                      74                                 $475,288

2021                      75                                 $410,987

2022                      76                                 $341,349

2023                      77                                 $265,932

2024                      78                                 $184,255

2025                      79                                 $95,798

2026                      80                                 0
</TABLE>

                                       8<PAGE>
                                                                  EXHIBIT 10.15

                          FORMS OF SECOND AMENDMENT TO
                     CHANGE IN CONTROL SEVERANCE AGREEMENTS

                                     FORM 1

         THIS AMENDMENT to Change in Control Severance Agreement ("Amendment")
dated as of June 28, 2001 is made by and between The PNC Financial Services
Group, Inc., a Pennsylvania corporation (the "Company"), and ____________
("Executive").

         WHEREAS, the Company and Executive have previously entered into a
Change in Control Severance Agreement dated as of ____________, as amended by a
first amendment dated as of November 15, 2000 (the "Agreement"); and

         WHEREAS, the Board of Directors of the Company has determined that it
is in the best interests of the Company and its shareholders to further amend
the Agreement; and

         WHEREAS, Section 7.7 of the Agreement authorizes its modification in a
writing signed by both Executive and a designated officer of the Company;

         NOW THEREFORE, in consideration of the premises and the mutual
covenants herein contained and intending to be legally bound hereby, the Company
and Executive hereby amend the Agreement as follows:

         1. Defined Terms in Amendment; Headings. The definitions of capitalized
terms used in the Amendment will be the same as are set forth in the Agreement
except as amended herein. Headings used in the Amendment are provided for
reference and convenience only, shall not be considered part of the Amendment,
and shall not be employed in the construction of the Amendment.

         2. Lump-Sum Matching Amount. Section 5.2(a) of the Agreement is hereby
amended and restated in its entirety as follows:

                  "(a) Lump-Sum Severance Payment. In lieu of any further salary
         payments to Executive for periods subsequent to the Date of
         Termination, the Company shall pay to Executive a lump sum severance
         payment, in cash, equal to: (i) the Classification Factor (or, if less,
         the Retirement Factor) times the sum of (x) Executive's Annual Base
         Salary and (y) Executive's Annual Bonus; plus (ii) the Matching Amount,
         if any."

         3. Pension Benefits.

         (i) Section 5.2(e)(i) of the Agreement is hereby amended and restated
in its entirety as follows:

                                      -1-
<PAGE>

             "(i) Pension Plan Benefits.

                  (1) The pension benefits accrued by Executive under the
         Pension Plan, the Excess Plan and the SERP (the "Company Pension
         Plans") shall be paid to Executive in accordance with the terms of such
         plans.

                  (2) In the event that any amendments are made to the Company
         Pension Plans during the Coverage Period that adversely affect in any
         manner the amount of pension benefits payable to Executive under the
         Company Pension Plans, then the Company shall also pay to Executive a
         lump sum amount, in cash, equal to the difference between (A) the
         amount that would have been payable on a lump sum basis as of the Date
         of Termination without giving effect to such amendments and (B) the
         amount actually paid or payable on a lump sum basis as of the Date of
         Termination."

         (ii) Section 5.2(e)(ii) of the Agreement is hereby amended to: (1)
change the heading from "Benefits Period Pension Accruals" to "Benefits Period
and Other Pension Accruals"; (2) replace the phrase "this Section 5.2(e)" in the
third sentence thereof with "Section 5.2(e)"; (3) add the phrase "at the Date of
Termination" to the end of clause (A)(III) of the definition of Adjusted Lump
Sum Amount in the third sentence thereof; (4) replace the word "his" in clause
(A)(V) of the definition of Adjusted Lump Sum Amount in the third sentence
thereof with "Executive's"; (5) replace the phrase "a lump sum distribution" in
clause (A)(V) of the definition of Adjusted Lump Sum Amount in the third
sentence thereof with the phrase "lump sum distributions"; (6) divide the third
sentence thereof into a third and a fourth sentence thereof by ending the
current third sentence at the end of clause (C) of the definition of Adjusted
Lump Sum Amount, deleting the conjunction "and", and making the remainder of
current sentence three into sentence four; (7) add the phrase "For purposes of
Section 5.2(e)," at the beginning of the fourth sentence thereof immediately
prior to the phrase "Date of Termination Lump Sum Amount"; (8) add the phrase ",
not taking into account any amounts that were not vested at the Date of
Termination," immediately after the phrase "means the total amount" in the
definition of Date of Termination Lump Sum Amount; and (9) replace the word
"his" in the definition of Date of Termination Lump Sum Amount with
"Executive's".

         (iii) Section 5.2(e)(iii) of the Agreement is hereby amended by
numbering certain of the clauses in the first sentence thereof so that the
portion of the sentence from the word "assuming" to the end of the sentence
reads as follows: "assuming that Executive: (A) remained employed (after the
Date of Termination) for the Benefits Period; (B) was compensated during such
period at Executive's Annual Base Salary and Annual Bonus; and (C) was fully
vested under the Company Pension Plans."

         (iv) Section 5.2(e)(iv) of the Agreement is hereby amended by replacing
the phrase "If the Executive has attained the age of 50" at the beginning of the
first sentence thereof with the phrase "If Executive has attained the age of
49".

         (v) Section 5.2(e)(v) of the Agreement is hereby amended to change the
heading from "No Adverse Affect" to "No Adverse Effect" and to insert the phrase
"and calculations" after the word "determinations".

                                      -2-
<PAGE>

         4. Miscellaneous Amendments.

         A. Continued Welfare Benefits.

         (i) Section 5.2(c) of the Agreement is hereby amended by dividing the
current provisions of said section into numbered paragraphs as follows: (1) the
first and second sentences will be Section 5.2(c)(i); (2) the third and fourth
sentences will be Section 5.2(c)(ii); (3) the fifth sentence will be Section
5.2(c)(iii); (4) the sixth sentence will be Section 5.2(c)(iv); and (5) the
seventh (currently the last) sentence will be Section 5.2(c)(v).

         (ii) Renumbered Sections 5.2(c)(ii) and (iv) of the Agreement are
hereby amended by replacing the phrase "this Section 5.2(c)" with "Section
5.2(c)".

         (iii) Renumbered Section 5.2(c)(v) of the Agreement is hereby amended
and restated in its entirety as follows:

                  "(v) To the extent that the Company is unable to provide
         Executive with any of the Welfare Benefits required by Section 5.2(c)
         under the Company's benefit plans, the Company shall either (i)
         purchase such Welfare Benefits for Executive or (ii) to the extent that
         Executive is able to purchase such Welfare Benefits, pay to Executive a
         cash payment equal, on an after-tax basis taking into account any
         deductibility by Executive of premium payments made by Executive, to
         the cost thereof, in either case reduced by an amount equal to the
         premiums that Executive would have paid for such Welfare Benefits under
         the applicable Company benefit plans immediately prior to the Notice of
         Termination, as adjusted pursuant to Sections 5.2(c)(iii) and/or (iv)
         if applicable."

         (iv) Section 5.2(c) of the Agreement is hereby further amended to add
the following to the end of said Section 5.2(c) as new subsections (vi), (vii),
(viii), (ix) and (x) thereof:

                  "(vi) To the extent that the Welfare Benefits required to be
         provided to Executive pursuant to Section 5.2(c) are group health
         benefits within the meaning of Section 4980B of the Code, the Company
         may, in its discretion, unless Executive has elected or is eligible to
         elect coverage under a Company-sponsored retiree medical plan or plans
         that provide medical benefits substantially similar to the medical
         benefits Executive was receiving immediately prior to the Notice of
         Termination, provide such benefits (hereafter referred to as "COBRA
         Welfare Benefits") to Executive during any portion of the Benefits
         Period that Executive is entitle to elect and receive continuation
         coverage (within the meaning of Section 4980B of the Code) with respect
         to such COBRA Welfare Benefits by (i) requiring Executive to elect
         continuation coverage with respect to such COBRA Welfare Benefits as
         the Company may designate and (ii) reimbursing Executive in cash, on an
         after-tax basis taking into account any deductibility by Executive of
         premium payments made by Executive, so that the net cost to Executive
         of receiving such COBRA Welfare Benefits is not in excess of the cost
         to Executive provided for by Section 5.2(c)(i), as adjusted pursuant to
         Sections 5.2(c)(iii) and/or (iv) if applicable.

                                      -3-
<PAGE>

                  (vii) If, as of the Date of Termination, Executive is eligible
         to elect coverage under a Company-sponsored retiree medical plan or
         plans that provide medical benefits substantially similar to the
         medical benefits Executive was receiving immediately prior to the
         Notice of Termination, the Company may, in its discretion, provide
         medical benefits to Executive pursuant to Section 5.2(c) by (i)
         requiring Executive to elect coverage under the Company's retiree
         medical plan or plans, and (ii), to the extent, if any, that
         Executive's retiree medical premiums exceed the premiums for Company
         medical benefits that Executive paid immediately prior to the Notice of
         Termination (as adjusted pursuant to Section 5.2(c)(iv) if applicable),
         paying Executive in cash an amount equal to such difference, such
         payment to be made on an after-tax basis taking into account any
         deductibility by Executive of premium payments made by Executive.

                  (viii) If Executive elects retiree medical coverage on or
         prior to the Date of Termination and has a post-retirement medical
         account ("PRMA") under a Company-sponsored post-retirement medical
         account plan ("PRMA Plan") as of the Date of Termination, then the
         Company shall pay to Executive a lump sum amount in cash, on an
         after-tax basis taking into account any deductibility by Executive of
         premium payments made by Executive, equal to the difference between (1)
         the Adjusted PRMA Amount and (2) the Date of Termination PRMA Amount.
         For purposes of this Section 5.2(c)(viii): (A) "Adjusted PRMA Amount"
         means the amount that would have been Executive's PRMA balance as of
         the last day of the Benefits Period assuming that (i) Executive
         remained employed as a full-time employee after the Date of Termination
         through the last day of the Benefits Period, (ii) Executive elected not
         to have retiree medical premiums deducted from Executive's PRMA during
         the Benefits Period, and (iii) Executive's PRMA was credited with
         interest at each year end during the Benefits Period at the same rate
         as for the year end immediately preceding the Date of Termination or
         the year end immediately preceding the commencement of the Coverage
         Period in which the Date of Termination occurs, whichever rate is
         higher; and (B) "Date of Termination PRMA Amount" means the amount of
         Executive's PRMA balance as of the Date of Termination.

                  For purposes of this Section 5.2(c)(viii), all determinations
         and calculations will be made on the basis of the terms and conditions
         of the PRMA Plan as in effect immediately prior to the Date of
         Termination or, if the PRMA Plan has been amended during the Coverage
         Period in which the Date of Termination occurs so as to adversely
         affect in any manner the amount of Executive's PRMA thereunder, as in
         effect immediately prior to the commencement of the Coverage Period in
         which the Date of Termination occurs.

                  (ix) If a PRMA would have been established for Executive under
         the PRMA Plan had Executive remained employed as a full-time employee
         after the Date of Termination through the last day of the Benefits
         Period, or if Executive would have had a PRMA as of the Date of
         Termination had the PRMA Plan not been terminated or amended during the
         Coverage Period in which the Date of Termination occurs, then the
         Company shall pay to Executive a lump sum amount in cash, on an
         after-tax basis taking into account any deductibility by Executive of
         premium payments made by Executive, equal to the difference between (1)
         the Adjusted PRMA Amount and (2) the Date of Termination PRMA Amount.
         For purposes of this Section

                                      -4-
<PAGE>

         5.2(c)(ix): (A) "Adjusted PRMA Amount" means the amount that would have
         been Executive's PRMA balance as of the last day of the Benefits Period
         assuming that (i) Executive remained employed as a full-time employee
         after the Date of Termination through the last day of the Benefits
         Period, (ii) Executive elected retiree medical coverage on or prior to
         the Date of Termination but elected not to have retiree medical
         premiums deducted from Executive's PRMA during the Benefits Period, and
         (iii) Executive's PRMA was credited with interest at each year end
         during the Benefits Period at the same rate as for the year end
         immediately preceding the Date of Termination or the year end
         immediately preceding the commencement of the Coverage Period in which
         the Date of Termination occurs, whichever rate is higher; and (B) "Date
         of Termination PRMA Amount" means the amount of Executive's PRMA
         balance as of the Date of Termination.

                  For purposes of this Section 5.2(c)(ix), all determinations
         and calculations will be made on the basis of the terms and conditions
         of the PRMA Plan as in effect immediately prior to the Date of
         Termination or, if the PRMA Plan is no longer in effect on the Date of
         Termination or has been amended during the Coverage Period in which the
         Date of Termination occurs so as to adversely affect in any manner the
         amount of Executive's PRMA thereunder, as in effect immediately prior
         to the commencement of the Coverage Period in which the Date of
         Termination occurs.

                  (x) All group health benefits provided to Executive pursuant
         to Section 5.2(c) shall constitute continuation coverage for purposes
         of Part 6 of Title I of the Employee Retirement Income Security Act of
         1974, as amended, and Section 4980B of the Code to the maximum extent
         permitted thereby."

         B. Other Benefits. Section 5.2(d) of the Agreement is hereby amended
and restated in its entirety as follows:

                  "(d) Other Benefits. The Company shall pay to Executive a lump
         sum cash payment equal to the product of (i) the Classification Factor
         (or, if less, the Retirement Factor) and (ii) the greater of (x) the
         Perquisites Allowance paid or payable by the Company to Executive for
         the Termination Year and (y) the Perquisites Allowance paid or payable
         by the Company to Executive for the fiscal year immediately preceding
         the commencement of the Coverage Period.

                  Any club membership bond or certificate held by the Company on
         behalf of Executive shall be transferred to Executive as appropriate to
         enable Executive to retain such club membership.

                  In addition, during the Benefits Period, the Company shall
         continue to pay for and provide Executive with access to personal
         financial consulting services that are substantially similar to that
         which the Company provided Executive with during the fiscal year
         immediately preceding the Termination Year."

                                      -5-
<PAGE>

         C. Disability Benefit Offset.

         (i) The first sentence of Section 5.2 of the Agreement is hereby
amended to: (1) replace the reference to "Subsections (a) through (e)" with
"Subsections (a) through (f)"; (2) delete the phrase "or Disability" from clause
(ii) thereof; (3) insert "(iii)" immediately before the phrase "after the
Executive attains age sixty-five (65)"; and (4) renumber current clause (iii)
thereof as clause (iv).

         (ii) The second sentence of Section 7.1 of the Agreement is hereby
amended by adding "Section 5.2(f)" after the reference to "Section 5.2(c)".

         (iii) Section 8 of the Agreement is hereby amended to delete the
definition of Disability, which currently appears as Section 8.17.

         (iv) Section 5.2 of the Agreement is hereby further amended to add the
following to the end of said section as new subsection (f):

                  "(f) Disability Benefit Offset. If, as of the Date of
         Termination, Executive is eligible to receive disability benefits under
         one or more of the Company's or one of its affiliates' long-term
         disability plans that cover Executive (collectively, the "LTD Plan")
         because of a determination that Executive is totally or partially
         disabled, then:

                           (i) the aggregate lump-sum cash payment to be paid to
                  Executive pursuant to Section 5.2(a) shall be reduced (but not
                  to less than zero) by the product of (x) the gross annualized
                  cash disability benefit that is payable to Executive pursuant
                  to the LTD Plan as of the Date of Termination and (y) the
                  Classification Factor (or, if less, the Retirement Factor);

                           (ii) notwithstanding Section 5.2(f)(i), if Executive
                  ceases to receive disability benefits under the LTD Plan prior
                  to the expiration of a number of years after the Date of
                  Termination equal to the Classification Factor (or, if less,
                  the Retirement Factor), then the Company shall promptly pay to
                  Executive an additional lump-sum cash payment equal to the
                  difference between (x) the amount by which the aggregate
                  lump-sum cash payment made to Executive pursuant to Section
                  5.2(a) was reduced by reason of Section 5.2(f)(i) and (y) the
                  total gross amount of the cash disability benefits paid to
                  Executive pursuant to the LTD Plan during the period from the
                  Date of Termination until the date disability benefit payments
                  to Executive pursuant to the LTD Plan ceased; and

                           (iii) for purposes of Benefits Period pension and
                  SERP accruals pursuant to Section 5.2(e)(ii) and (iii),
                  Executive's Annual Base Salary and Annual Bonus together shall
                  not be less than the greater of (x) the gross annualized cash
                  disability benefit that is payable to Executive pursuant to
                  the LTD Plan as of the Date of Termination and (y) the amount
                  of compensation taken into account for purposes of Executive's
                  earnings credits under the relevant Company Pension Plans
                  immediately prior to the Date of Termination annualized."

                                      -6-
<PAGE>

         D. Interest. Certain references to interest in the Agreement are hereby
clarified and amended as follows:

         (i) The phrase "plus interest on the amount of such repayment at the
rate provided in Section 1274(b)(2)(B) of the Code" at the end of the first
sentence of Section 5.3(c) of the Agreement is hereby replaced with the
following phrase:

         "plus Interest on the amount of such repayment for the period that the
         applicable portion of the Gross-Up Payment being repaid was held by
         Executive".

         (ii) The parenthetical "(together with interest at the rate provided in
Section 1274(b)(2)(B) of the Code from the Date of Termination to the payment of
such remainder)" in the second sentence of Section 5.4 of the Agreement is
hereby replaced with the following:

         "(together with Interest from the Date of Termination to the payment
         of such remainder)".

         (iii) The parenthetical "(together with interest at the rate provided
in Section 1274(b)(2)(B) of the Code from the Date of Termination to the
repayment of such excess)" at the end of the third sentence of Section 5.4 of
the Agreement is hereby replaced with the following:

         "(together with Interest from the Date of Termination to the repayment
         of such excess)."

         (iv) The phrase "together with interest accrued thereon at the rate
provided in Section 1274(b)(2)(B) of the Code" at the end of the last sentence
of Section 6.2 of the Agreement is hereby replaced with the following:

         "together with Interest accrued thereon."

         E. Timing of Payments. The first sentence of Section 5.4 of the
Agreement is hereby amended by: (1) replacing the reference to "Section 5.2(c)"
with "Sections 5.2(c)(i) through (vii)"; (2) replacing the reference to "Section
5.2(e)(i)" with "Section 5.2(e)(i)(1)"; (3) adding "Section 5.2(f)(ii)" after
the reference to "Section 5.2(e)(i)(1)"; and (4) replacing the phrase "the last
sentence of Section 5.2(d)" with the phrase "the last paragraph of Section
5.2(d)".

         F. Reimbursement of Legal Costs. The first sentence of Section 5.5 of
the Agreement is hereby amended by replacing clause (iii) thereof with the
following:

         "(iii) in connection with any tax audit or proceeding to the extent
         attributable to the application of Section 4999 of the Code to any of
         the Total Benefits."

                                      -7-
<PAGE>

         G. Notice of Termination. The first sentence of Section 6.1 of the
Agreement is hereby amended to add the following phrase immediately after the
parenthetical "(other than by reason of death)" in such sentence:

         ", whether or not Executive's employment status was classified as
         active at the time of termination,".

         H. Notices. Section 7.6 of the Agreement is hereby amended to provide
that: (1) notices to the Company shall be sent to the attention of the chief
human resources executive of the Company; and (2) the copy (which shall not be
deemed notice) of notices to the Company shall be sent to the attention of the
general counsel of the Company.

         I. Modification; Waiver. The first sentence of Section 7.7 of the
Agreement is hereby amended and restated in its entirety as follows:

         "No provision of this Agreement may be modified, waived or discharged
         unless such waiver, modification or discharge is agreed to in writing
         and signed by Executive and such officer as may be authorized by the
         Board or the Committee."

         J. Changes to Statutes, Employee Benefit Plans and Employee
Classification Systems. Section 7.10 of the Agreement is hereby amended by
adding the phrase "or programs" after the phrase "employee benefit plans" in the
heading and in the second sentence thereof and by adding ", programs" after the
phrases "such plans" and "successor plans" in said sentence.

         K. Reduction of Agreement Benefits by Other Required Benefits.

         (i) Section 7.16 of the Agreement is hereby amended to add the
following phrase immediately prior to the phrase "any Severance Benefits
hereunder" in the first sentence thereof:

         ", to the extent required to avoid duplication of the same or similar
         benefits,".

         (ii) Section 7.16 of the Agreement is hereby further amended to add the
following sentence to the end of said section:

         "Nothing in this Section 7.16 shall be construed so as to reduce any
         Severance Benefits hereunder by the amount or value of any payments or
         benefits provided to Executive with respect to any awards under the
         Company's 1997 Long-Term Incentive Award Plan, as amended from time to
         time, or any successor plan or plans."

                                      -8-
<PAGE>

         L. Headings. Section 7.17 of the Agreement is hereby amended to delete
the phrase "and captions".

         5. Amend Certain Definitions.

         (i) The following definitions in Section 8 of the Agreement are hereby
amended and restated in their entirety as follows:

                  " "Annual Base Salary" means the greater of (a) Executive's
         highest annual base salary in effect during the one (1) year period
         preceding the commencement of the applicable Coverage Period and (b)
         Executive's highest annual base salary in effect during the one (1)
         year period preceding Executive's Date of Termination.

                  For purposes of this definition, at any time when Executive is
         receiving disability benefits under the LTD Plan (as defined in Section
         5.2(f)), Executive's annual base salary will be deemed to be the same
         as Executive's annual base salary immediately prior to the time such
         disability benefits commenced."

                  " "Bonus Percent" means the cash value of the bonus amount
         paid or payable to Executive pursuant to the 1996 Plan or any other
         Company incentive compensation or bonus plan with respect to a
         particular fiscal year (including the cash value of any portion of the
         bonus amount paid in stock and of any additional stock or restricted
         stock awarded to Executive with respect to the portion of the base
         bonus amount paid in stock) divided by the aggregate base salary paid
         or payable to Executive for such fiscal year; provided, however, that
         with respect to the fiscal year preceding the Termination Year, the
         Bonus Percent will not be less than Executive's highest Target
         Percentage that was in effect during such fiscal year.

                  For purposes of this definition, shares of stock or restricted
         stock will be valued without regard to any vesting, transfer or other
         restrictions applicable to such stock and will be deemed to have a per
         share cash value equal to the closing price of the stock, as of the
         date the shares were awarded, on the principal stock exchange on which
         the stock is traded.

                  Also, for purposes of this definition, if Executive is
         receiving disability benefits under the LTD Plan (as defined in Section
         5.2(f)), base salary paid or payable to Executive during the period in
         which Executive is receiving such disability benefits will be deemed to
         be the amount Executive would have received if Executive had been
         receiving base salary during such period at the same annual base salary
         rate that was in effect immediately prior to the time such disability
         benefits commenced."

                  " "Code" means the Internal Revenue Code of 1986, as amended,
         including any regulations promulgated thereunder."

                                      -9-
<PAGE>

                  " "Excess Plan" means The PNC Financial Services Group, Inc.
         ERISA Excess Pension Plan."

                  " "Exchange Act" means the Securities Exchange Act of 1934, as
         amended, including any regulations promulgated thereunder."

                  " "SERP" means The PNC Financial Services Group, Inc.
         Supplemental Executive Retirement Plan."

                  " "Subsidiary" means any corporation, limited liability
         company, or other entity controlled by the Company, directly or
         indirectly."

                  " "Target Percentage" means the percentage of Executive's
         annual base salary on which Executive's target cash incentive award
         pursuant to the 1996 Plan or any other Company incentive compensation
         or bonus plan then in effect is based for a particular fiscal year.
         Such percentage is established annually by the Committee in
         administering the applicable plan. In the event that the Committee
         established that Executive's incentive award for such fiscal year would
         be increased by awarding Executive additional shares of stock or
         restricted stock with respect to any portion of the award to be paid in
         stock, the Target Percentage will be increased to take into account the
         cash value of such additional shares.

                  For purposes of this definition, shares of stock or restricted
         stock will be valued without regard to any vesting, transfer or other
         restrictions applicable to such stock and will be deemed to have a per
         share cash value equal to the closing price of the stock, as of the
         date the shares were awarded, on the principal stock exchange on which
         the stock is traded."

         (ii) Certain other definitions in Section 8 of the Agreement are hereby
amended as follows:

                  (1) The phrase "of the Company" is hereby added after the
phrase "the Chief Executive Officer" in the second sentence of the paragraph
following clause (b) of current Section 8.6 of the Agreement.

                  (2) The phrase "plans of the Company" in current Section
8.7(a) of the Agreement is hereby replaced with the phrase "plans of the Company
and its Subsidiaries".

                  (3) In the second sentence of current Section 8.13 of the
Agreement, the phrase "to be accorded by the "Company" " is hereby replaced with
the phrase "provided or to be provided by the Company" and the phrase "to be
provided by such Subsidiary" is hereby replaced with the phrase "provided or to
be provided by such Subsidiary".

                                      -10-
<PAGE>

                  (4) The phrase "or program" is hereby inserted after the word
"plan" each time it appears in current Section 8.21(d) of the Agreement, and the
phrase "or programs" is hereby inserted after the phrase "welfare plans" in
current Section 8.21(e) of the Agreement.

         (iii) Section 8 of the Agreement is hereby further amended by deleting
the definition of 1994 Plan, which currently appears as Section 8.32.

         (iv) The first unnumbered paragraph of the Agreement is hereby amended
by deleting the parenthetical "(the "Company")".

         6. New Definitions. Section 8 of the Agreement is hereby further
amended to add the following new definitions:

                  " "Interest" means interest at the Federal short-term rate,
         the Federal mid-term rate, or the Federal long-term, as applicable,
         compounded semiannually, under Section 1274(b)(2)(B) of the Code based
         on the period over which interest is being accrued."

                  " "Matching Amount" means the maximum amount that Executive
         would have been eligible to have credited to Executive's plan accounts
         under The PNC Financial Services Group, Inc. Incentive Savings Plan and
         the Supplemental Savings Plan (or similar plan or plans sponsored by a
         Subsidiary, if applicable to Executive) (the plans applicable to
         Executive being hereafter referred to as the "Savings Plans") by
         Executive's employer as a matching contribution or credit assuming: (a)
         Executive had remained an employee of the Company after the Date of
         Termination for a number of years after the Date of Termination equal
         to the Classification Factor (or, if less, the Retirement Factor); (b)
         Executive received (i) a base salary and annual bonus equal to the
         Annual Base Salary and Annual Bonus with respect to, and paid in, each
         year during such period (or, if the Retirement Factor is applicable and
         includes a fraction, a base salary and annual bonus equal to the Annual
         Base Salary and Annual Bonus for any full year during such period and a
         base salary and annual bonus equal to such fraction times the Annual
         Base Salary and Annual Bonus during the fraction of a year in such
         period) plus (ii) a bonus with respect to the Termination Year equal to
         the amount payable to Executive pursuant to Section 5.2(b)(i), paid in
         the year after the Termination Year, and a bonus with respect to the
         fiscal year preceding the Termination Year equal to the amount, if any,
         payable to Executive pursuant to Section 5.2(b)(ii), paid in the
         Termination Year; (c) Executive had elected to participate in the
         Savings Plans and to defer the maximum percentage of such base salary
         and/or bonuses under the Savings Plans; (d) Executive's employer had
         made the maximum matching contribution or credit with respect to such
         amounts under the Savings Plans; and (e) all such matching
         contributions or credits were fully vested.

                  In calculating the Matching Amount, all determinations and
         calculations will be made on the basis of the terms and conditions of
         the Savings Plans as in effect immediately prior to the Date of
         Termination or, if it would result in a larger Matching Amount, as in
         effect immediately prior to the commencement of the Coverage Period in
         which the Date of Termination occurs.

                                      -11-
<PAGE>

                  Notwithstanding the foregoing, unless, immediately prior to
         the Date of Termination, Executive was eligible to participate in and
         receive employer matching contributions or credits under the Savings
         Plans, or would have been so eligible had the Savings Plans remained as
         in effect immediately prior to the commencement of the Coverage Period
         in which the Date of Termination occurs, the Matching Amount will be
         deemed to be zero."

                  " "Perquisites Allowance" means the amount Executive received
         or was eligible to receive as a perquisites allowance for any fiscal
         year. If Executive was not eligible to receive and did not receive a
         perquisites allowance for any fiscal year, then for that fiscal year,
         Perquisites Allowance means the value of any perquisites provided to or
         paid on behalf of Executive during such fiscal year that would have
         been reportable as Other Annual Compensation for Executive for such
         fiscal year pursuant to Item 402(b)(2)(iii)(C)(1) of Regulation S-K (or
         any similar item) promulgated under the Exchange Act, without regard to
         any exclusion in said item for amounts that are less than a specified
         amount or aggregate amount, if Company had been subject to such
         reporting requirement with respect to Executive for such fiscal year."

                  " "Total Benefits" has the meaning assigned to such term in
Section 5.3(a)(i)."

         7. Renumber Certain Definitions. The definitions in Section 8 of the
Agreement are hereby numbered or renumbered, as the case may be, so that they
appear in alphabetical order after the additions and deletions set forth in the
Amendment, and any references in the Agreement to definitions by section number
are also hereby amended accordingly.

             IN WITNESS WHEREOF, the Company has caused the Amendment to be
executed by its officer, thereunto duly authorized, and Executive has executed
the Amendment, all as of June 28, 2001.

                                     THE PNC FINANCIAL SERVICES
                                     GROUP, INC.

                                     By:
                                        ----------------------------
                                        [Name]
                                        [Title]

                                     EXECUTIVE

                                     -------------------------------
                                     [Name]

                                      -12-
<PAGE>

                                     FORM 2

         THIS AMENDMENT to Change in Control Severance Agreement ("Amendment")
dated as of June 28, 2001 is made by and between The PNC Financial Services
Group, Inc., a Pennsylvania corporation (the "Company"), and _______________
("Executive").

         WHEREAS, the Company and Executive have previously entered into a
Change in Control Severance Agreement dated as of __________________, as amended
by a first amendment dated as of November 15, 2000 (the "Agreement"); and

         WHEREAS, the Board of Directors of the Company has determined that it
is in the best interests of the Company and its shareholders to further amend
the Agreement; and

         WHEREAS, Section 7.7 of the Agreement authorizes its modification in a
writing signed by both Executive and a designated officer of the Company;

         NOW THEREFORE, in consideration of the premises and the mutual
covenants herein contained and intending to be legally bound hereby, the Company
and Executive hereby amend the Agreement as follows:

         1. Defined Terms in Amendment; Headings. The definitions of capitalized
terms used in the Amendment will be the same as are set forth in the Agreement
except as amended herein. Headings used in the Amendment are provided for
reference and convenience only, shall not be considered part of the Amendment,
and shall not be employed in the construction of the Amendment.

         2. Lump-Sum Matching Amount. Section 5.2(a) of the Agreement is hereby
amended and restated in its entirety as follows:

                  "(a) Lump-Sum Severance Payment. In lieu of any further salary
         payments to Executive for periods subsequent to the Date of
         Termination, the Company shall pay to Executive a lump sum severance
         payment, in cash, equal to: (i) the Classification Factor (or, if less,
         the Retirement Factor) times the sum of (x) Executive's Annual Base
         Salary and (y) Executive's Annual Bonus; plus (ii) the Matching Amount,
         if any."

         3. Pension Benefits.

         (i) Section 5.2(e)(i) of the Agreement is hereby amended and restated
in its entirety as follows:

                                      -13-
<PAGE>

                  "(i) Pension Plan Benefits.

                           (1) The pension benefits accrued by Executive under
         the Pension Plan, the Excess Plan and the SERP (the "Company Pension
         Plans") shall be paid to Executive in accordance with the terms of such
         plans.

                           (2) In the event that any amendments are made to the
         Company Pension Plans during the Coverage Period that adversely affect
         in any manner the amount of pension benefits payable to Executive under
         the Company Pension Plans, then the Company shall also pay to Executive
         a lump sum amount, in cash, equal to the difference between (A) the
         amount that would have been payable on a lump sum basis as of the Date
         of Termination without giving effect to such amendments and (B) the
         amount actually paid or payable on a lump sum basis as of the Date of
         Termination."

         (ii) Section 5.2(e)(ii) of the Agreement is hereby amended to: (1)
change the heading from "Benefits Period Pension Accruals" to "Benefits Period
and Other Pension Accruals"; (2) replace the phrase "this Section 5.2(e)" in the
third sentence thereof with "Section 5.2(e)"; (3) add the phrase "at the Date of
Termination" to the end of clause (A)(III) of the definition of Adjusted Lump
Sum Amount in the third sentence thereof; (4) replace the word "his" in clause
(A)(V) of the definition of Adjusted Lump Sum Amount in the third sentence
thereof with "Executive's"; (5) replace the phrase "a lump sum distribution" in
clause (A)(V) of the definition of Adjusted Lump Sum Amount in the third
sentence thereof with the phrase "lump sum distributions"; (6) divide the third
sentence thereof into a third and a fourth sentence thereof by ending the
current third sentence at the end of clause (C) of the definition of Adjusted
Lump Sum Amount, deleting the conjunction "and", and making the remainder of
current sentence three into sentence four; (7) add the phrase "For purposes of
Section 5.2(e)," at the beginning of the fourth sentence thereof immediately
prior to the phrase "Date of Termination Lump Sum Amount"; (8) add the phrase ",
not taking into account any amounts that were not vested at the Date of
Termination," immediately after the phrase "means the total amount" in the
definition of Date of Termination Lump Sum Amount; and (9) replace the word
"his" in the definition of Date of Termination Lump Sum Amount with
"Executive's".

         (iii) Section 5.2(e)(iii) of the Agreement is hereby amended by
replacing the phrase "If the Executive has attained the age of 50" at the
beginning of the first sentence thereof with the phrase "If Executive has
attained the age of 49".

         (iv) Section 5.2(e)(iv) of the Agreement is hereby amended to change
the heading from "No Adverse Affect" to "No Adverse Effect" and to insert the
phrase "and calculations" after the word "determinations".

         4.       Miscellaneous Amendments.

         A.       Continued Welfare Benefits.

                                      -14-
<PAGE>

         (i) Section 5.2(c) of the Agreement is hereby amended by dividing the
current provisions of said section into numbered paragraphs as follows: (1) the
first and second sentences will be Section 5.2(c)(i); (2) the third and fourth
sentences will be Section 5.2(c)(ii); (3) the fifth sentence will be Section
5.2(c)(iii); (4) the sixth sentence will be Section 5.2(c)(iv); and (5) the
seventh (currently the last) sentence will be Section 5.2(c)(v).

         (ii) Renumbered Sections 5.2(c)(ii) and (iv) of the Agreement are
hereby amended by replacing the phrase "this Section 5.2(c)" with "Section
5.2(c)".

         (iii) Renumbered Section 5.2(c)(v) of the Agreement is hereby amended
and restated in its entirety as follows:

                  "(v) To the extent that the Company is unable to provide
         Executive with any of the Welfare Benefits required by Section 5.2(c)
         under the Company's benefit plans, the Company shall either (i)
         purchase such Welfare Benefits for Executive or (ii) to the extent that
         Executive is able to purchase such Welfare Benefits, pay to Executive a
         cash payment equal, on an after-tax basis taking into account any
         deductibility by Executive of premium payments made by Executive, to
         the cost thereof, in either case reduced by an amount equal to the
         premiums that Executive would have paid for such Welfare Benefits under
         the applicable Company benefit plans immediately prior to the Notice of
         Termination, as adjusted pursuant to Sections 5.2(c)(iii) and/or (iv)
         if applicable."

         (iv) Section 5.2(c) of the Agreement is hereby further amended to add
the following to the end of said Section 5.2(c) as new subsections (vi), (vii),
(viii), (ix) and (x) thereof:

                  "(vi) To the extent that the Welfare Benefits required to be
         provided to Executive pursuant to Section 5.2(c) are group health
         benefits within the meaning of Section 4980B of the Code, the Company
         may, in its discretion, unless Executive has elected or is eligible to
         elect coverage under a Company-sponsored retiree medical plan or plans
         that provide medical benefits substantially similar to the medical
         benefits Executive was receiving immediately prior to the Notice of
         Termination, provide such benefits (hereafter referred to as "COBRA
         Welfare Benefits") to Executive during any portion of the Benefits
         Period that Executive is entitle to elect and receive continuation
         coverage (within the meaning of Section 4980B of the Code) with respect
         to such COBRA Welfare Benefits by (i) requiring Executive to elect
         continuation coverage with respect to such COBRA Welfare Benefits as
         the Company may designate and (ii) reimbursing Executive in cash, on an
         after-tax basis taking into account any deductibility by Executive of
         premium payments made by Executive, so that the net cost to Executive
         of receiving such COBRA Welfare Benefits is not in excess of the cost
         to Executive provided for by Section 5.2(c)(i), as adjusted pursuant to
         Sections 5.2(c)(iii) and/or (iv) if applicable.

                  (vii) If, as of the Date of Termination, Executive is eligible
         to elect coverage under a Company-sponsored retiree medical plan or
         plans that provide medical benefits substantially similar to the
         medical benefits Executive was receiving immediately prior to the
         Notice of Termination, the Company may, in its discretion, provide
         medical benefits to Executive pursuant to Section 5.2(c) by (i)
         requiring Executive to elect coverage under the Company's

                                      -15-
<PAGE>

         retiree medical plan or plans, and (ii), to the extent, if any, that
         Executive's retiree medical premiums exceed the premiums for Company
         medical benefits that Executive paid immediately prior to the Notice of
         Termination (as adjusted pursuant to Section 5.2(c)(iv) if applicable),
         paying Executive in cash an amount equal to such difference, such
         payment to be made on an after-tax basis taking into account any
         deductibility by Executive of premium payments made by Executive.

                  (viii) If Executive elects retiree medical coverage on or
         prior to the Date of Termination and has a post-retirement medical
         account ("PRMA") under a Company-sponsored post-retirement medical
         account plan ("PRMA Plan") as of the Date of Termination, then the
         Company shall pay to Executive a lump sum amount in cash, on an
         after-tax basis taking into account any deductibility by Executive of
         premium payments made by Executive, equal to the difference between (1)
         the Adjusted PRMA Amount and (2) the Date of Termination PRMA Amount.
         For purposes of this Section 5.2(c)(viii): (A) "Adjusted PRMA Amount"
         means the amount that would have been Executive's PRMA balance as of
         the last day of the Benefits Period assuming that (i) Executive
         remained employed as a full-time employee after the Date of Termination
         through the last day of the Benefits Period, (ii) Executive elected not
         to have retiree medical premiums deducted from Executive's PRMA during
         the Benefits Period, and (iii) Executive's PRMA was credited with
         interest at each year end during the Benefits Period at the same rate
         as for the year end immediately preceding the Date of Termination or
         the year end immediately preceding the commencement of the Coverage
         Period in which the Date of Termination occurs, whichever rate is
         higher; and (B) "Date of Termination PRMA Amount" means the amount of
         Executive's PRMA balance as of the Date of Termination.

                  For purposes of this Section 5.2(c)(viii), all determinations
         and calculations will be made on the basis of the terms and conditions
         of the PRMA Plan as in effect immediately prior to the Date of
         Termination or, if the PRMA Plan has been amended during the Coverage
         Period in which the Date of Termination occurs so as to adversely
         affect in any manner the amount of Executive's PRMA thereunder, as in
         effect immediately prior to the commencement of the Coverage Period in
         which the Date of Termination occurs.

                  (ix) If a PRMA would have been established for Executive under
         the PRMA Plan had Executive remained employed as a full-time employee
         after the Date of Termination through the last day of the Benefits
         Period, or if Executive would have had a PRMA as of the Date of
         Termination had the PRMA Plan not been terminated or amended during the
         Coverage Period in which the Date of Termination occurs, then the
         Company shall pay to Executive a lump sum amount in cash, on an
         after-tax basis taking into account any deductibility by Executive of
         premium payments made by Executive, equal to the difference between (1)
         the Adjusted PRMA Amount and (2) the Date of Termination PRMA Amount.
         For purposes of this Section 5.2(c)(ix): (A) "Adjusted PRMA Amount"
         means the amount that would have been Executive's PRMA balance as of
         the last day of the Benefits Period assuming that (i) Executive
         remained employed as a full-time employee after the Date of Termination
         through the last day of the Benefits Period, (ii) Executive elected
         retiree medical coverage on or prior to the Date of Termination but
         elected not to have retiree medical premiums deducted from Executive's
         PRMA during the Benefits Period, and (iii) Executive's PRMA was
         credited with interest at

                                      -16-
<PAGE>

         each year end during the Benefits Period at the same rate as for the
         year end immediately preceding the Date of Termination or the year end
         immediately preceding the commencement of the Coverage Period in which
         the Date of Termination occurs, whichever rate is higher; and (B) "Date
         of Termination PRMA Amount" means the amount of Executive's PRMA
         balance as of the Date of Termination.

                  For purposes of this Section 5.2(c)(ix), all determinations
         and calculations will be made on the basis of the terms and conditions
         of the PRMA Plan as in effect immediately prior to the Date of
         Termination or, if the PRMA Plan is no longer in effect on the Date of
         Termination or has been amended during the Coverage Period in which the
         Date of Termination occurs so as to adversely affect in any manner the
         amount of Executive's PRMA thereunder, as in effect immediately prior
         to the commencement of the Coverage Period in which the Date of
         Termination occurs.

                  (x) All group health benefits provided to Executive pursuant
         to Section 5.2(c) shall constitute continuation coverage for purposes
         of Part 6 of Title I of the Employee Retirement Income Security Act of
         1974, as amended, and Section 4980B of the Code to the maximum extent
         permitted thereby."

         B. Other Benefits. Section 5.2(d) of the Agreement is hereby amended
and restated in its entirety as follows:

                  "(d) Other Benefits. The Company shall pay to Executive a lump
         sum cash payment equal to the product of (i) the Classification Factor
         (or, if less, the Retirement Factor) and (ii) the greater of (x) the
         Perquisites Allowance paid or payable by the Company to Executive for
         the Termination Year and (y) the Perquisites Allowance paid or payable
         by the Company to Executive for the fiscal year immediately preceding
         the commencement of the Coverage Period.

                  Any club membership bond or certificate held by the Company on
         behalf of Executive shall be transferred to Executive as appropriate to
         enable Executive to retain such club membership.

                  In addition, during the Benefits Period, the Company shall
         continue to pay for and provide Executive with access to personal
         financial consulting services that are substantially similar to that
         which the Company provided Executive with during the fiscal year
         immediately preceding the Termination Year."

         C. Disability Benefit Offset.

         (i) The first sentence of Section 5.2 of the Agreement is hereby
amended to: (1) replace the reference to "Subsections (a) through (e)" with
"Subsections (a) through (f)"; (2) delete the phrase "or Disability" from clause
(ii) thereof; (3) insert "(iii)" immediately before the phrase "after the
Executive attains age sixty-five (65)"; and (4) renumber current clause (iii)
thereof as clause (iv).

                                      -17-
<PAGE>

         (ii) The second sentence of Section 7.1 of the Agreement is hereby
amended by adding "Section 5.2(f)" after the reference to "Section 5.2(c)".

         (iii) Section 8 of the Agreement is hereby amended to delete the
definition of Disability, which currently appears as Section 8.17.

         (iv) Section 5.2 of the Agreement is hereby further amended to add the
following to the end of said section as new subsection (f):

                  "(f) Disability Benefit Offset. If, as of the Date of
         Termination, Executive is eligible to receive disability benefits under
         one or more of the Company's or one of its affiliates' long-term
         disability plans that cover Executive (collectively, the "LTD Plan")
         because of a determination that Executive is totally or partially
         disabled, then:

                           (i) the aggregate lump-sum cash payment to be paid to
                  Executive pursuant to Section 5.2(a) shall be reduced (but not
                  to less than zero) by the product of (x) the gross annualized
                  cash disability benefit that is payable to Executive pursuant
                  to the LTD Plan as of the Date of Termination and (y) the
                  Classification Factor (or, if less, the Retirement Factor);

                           (ii) notwithstanding Section 5.2(f)(i), if Executive
                  ceases to receive disability benefits under the LTD Plan prior
                  to the expiration of a number of years after the Date of
                  Termination equal to the Classification Factor (or, if less,
                  the Retirement Factor), then the Company shall promptly pay to
                  Executive an additional lump-sum cash payment equal to the
                  difference between (x) the amount by which the aggregate
                  lump-sum cash payment made to Executive pursuant to Section
                  5.2(a) was reduced by reason of Section 5.2(f)(i) and (y) the
                  total gross amount of the cash disability benefits paid to
                  Executive pursuant to the LTD Plan during the period from the
                  Date of Termination until the date disability benefit payments
                  to Executive pursuant to the LTD Plan ceased; and

                           (iii) for purposes of Benefits Period pension and
                  SERP accruals pursuant to Section 5.2(e)(ii), Executive's
                  Annual Base Salary and Annual Bonus together shall not be less
                  than the greater of (x) the gross annualized cash disability
                  benefit that is payable to Executive pursuant to the LTD Plan
                  as of the Date of Termination and (y) the amount of
                  compensation taken into account for purposes of Executive's
                  earnings credits under the relevant Company Pension Plans
                  immediately prior to the Date of Termination annualized."

         D. Interest. Certain references to interest in the Agreement are hereby
clarified and amended as follows:

                                      -18-
<PAGE>

         (i) The phrase "plus interest on the amount of such repayment at the
rate provided in Section 1274(b)(2)(B) of the Code" at the end of the first
sentence of Section 5.3(c) of the Agreement is hereby replaced with the
following phrase:

         "plus Interest on the amount of such repayment for the period that the
         applicable portion of the Gross-Up Payment being repaid was held by
         Executive".

         (ii) The parenthetical "(together with interest at the rate provided in
Section 1274(b)(2)(B) of the Code from the Date of Termination to the payment of
such remainder)" in the second sentence of Section 5.4 of the Agreement is
hereby replaced with the following:

         "(together with Interest from the Date of Termination to the payment
         of such remainder)".

         (iii) The parenthetical "(together with interest at the rate provided
in Section 1274(b)(2)(B) of the Code from the Date of Termination to the
repayment of such excess)" at the end of the third sentence of Section 5.4 of
the Agreement is hereby replaced with the following:

         "(together with Interest from the Date of Termination to the repayment
         of such excess)."

         (iv) The phrase "together with interest accrued thereon at the rate
provided in Section 1274(b)(2)(B) of the Code" at the end of the last sentence
of Section 6.2 of the Agreement is hereby replaced with the following:

         "together with Interest accrued thereon."

         E. Timing of Payments. The first sentence of Section 5.4 of the
Agreement is hereby amended by: (1) replacing the reference to "Section 5.2(c)"
with "Sections 5.2(c)(i) through (vii)"; (2) replacing the reference to "Section
5.2(e)(i)" with "Section 5.2(e)(i)(1)"; (3) adding "Section 5.2(f)(ii)" after
the reference to "Section 5.2(e)(i)(1)"; and (4) replacing the phrase "the last
sentence of Section 5.2(d)" with the phrase "the last paragraph of Section
5.2(d)".

         F. Reimbursement of Legal Costs. The first sentence of Section 5.5 of
the Agreement is hereby amended by replacing clause (iii) thereof with the
following:

         "(iii) in connection with any tax audit or proceeding to the extent
         attributable to the application of Section 4999 of the Code to any of
         the Total Benefits."

         G. Notice of Termination. The first sentence of Section 6.1 of the
Agreement is hereby amended to add the following phrase immediately after the
parenthetical "(other than by reason of death)" in such sentence:

                                      -19-
<PAGE>

         ", whether or not Executive's employment status was classified as
         active at the time of termination,".

         H. Notices. Section 7.6 of the Agreement is hereby amended to provide
that: (1) notices to the Company shall be sent to the attention of the chief
human resources executive of the Company; and (2) the copy (which shall not be
deemed notice) of notices to the Company shall be sent to the attention of the
general counsel of the Company.

         I. Modification; Waiver. The first sentence of Section 7.7 of the
Agreement is hereby amended and restated in its entirety as follows:

         "No provision of this Agreement may be modified, waived or discharged
         unless such waiver, modification or discharge is agreed to in writing
         and signed by Executive and such officer as may be authorized by the
         Board or the Committee."

         J. Changes to Statutes, Employee Benefit Plans and Employee
Classification Systems. Section 7.10 of the Agreement is hereby amended by
adding the phrase "or programs" after the phrase "employee benefit plans" in the
heading and in the second sentence thereof and by adding ", programs" after the
phrases "such plans" and "successor plans" in said sentence.

         K. Reduction of Agreement Benefits by Other Required Benefits.

         (i) Section 7.16 of the Agreement is hereby amended to add the
following phrase immediately prior to the phrase "any Severance Benefits
hereunder" in the first sentence thereof:

         ", to the extent required to avoid duplication of the same or similar
         benefits,".

         (ii) Section 7.16 of the Agreement is hereby further amended to add the
following sentence to the end of said section:

         "Nothing in this Section 7.16 shall be construed so as to reduce any
         Severance Benefits hereunder by the amount or value of any payments or
         benefits provided to Executive with respect to any awards under the
         Company's 1997 Long-Term Incentive Award Plan, as amended from time to
         time, or any successor plan or plans."

         L. Headings. Section 7.17 of the Agreement is hereby amended to delete
the phrase "and captions".

                                      -20-
<PAGE>

         5. Amend Certain Definitions.

         (i) The following definitions in Section 8 of the Agreement are hereby
amended and restated in their entirety as follows:

                  " "Annual Base Salary" means the greater of (a) Executive's
         highest annual base salary in effect during the one (1) year period
         preceding the commencement of the applicable Coverage Period and (b)
         Executive's highest annual base salary in effect during the one (1)
         year period preceding Executive's Date of Termination.

                  For purposes of this definition, at any time when Executive is
         receiving disability benefits under the LTD Plan (as defined in Section
         5.2(f)), Executive's annual base salary will be deemed to be the same
         as Executive's annual base salary immediately prior to the time such
         disability benefits commenced."

                  " "Bonus Percent" means the cash value of the bonus amount
         paid or payable to Executive pursuant to the 1996 Plan or any other
         Company incentive compensation or bonus plan with respect to a
         particular fiscal year (including the cash value of any portion of the
         bonus amount paid in stock and of any additional stock or restricted
         stock awarded to Executive with respect to the portion of the base
         bonus amount paid in stock) divided by the aggregate base salary paid
         or payable to Executive for such fiscal year; provided, however, that
         with respect to the fiscal year preceding the Termination Year, the
         Bonus Percent will not be less than Executive's highest Target
         Percentage that was in effect during such fiscal year.

                  For purposes of this definition, shares of stock or restricted
         stock will be valued without regard to any vesting, transfer or other
         restrictions applicable to such stock and will be deemed to have a per
         share cash value equal to the closing price of the stock, as of the
         date the shares were awarded, on the principal stock exchange on which
         the stock is traded.

                  Also, for purposes of this definition, if Executive is
         receiving disability benefits under the LTD Plan (as defined in Section
         5.2(f)), base salary paid or payable to Executive during the period in
         which Executive is receiving such disability benefits will be deemed to
         be the amount Executive would have received if Executive had been
         receiving base salary during such period at the same annual base salary
         rate that was in effect immediately prior to the time such disability
         benefits commenced."

                  " "Code" means the Internal Revenue Code of 1986, as amended,
         including any regulations promulgated thereunder."

                  " "Excess Plan" means The PNC Financial Services Group, Inc.
         ERISA Excess Pension Plan."

                                      -21-
<PAGE>

                  " "Exchange Act" means the Securities Exchange Act of 1934, as
         amended, including any regulations promulgated thereunder."

                  " "SERP" means The PNC Financial Services Group, Inc.
         Supplemental Executive Retirement Plan."

                  " "Subsidiary" means any corporation, limited liability
         company, or other entity controlled by the Company, directly or
         indirectly."

                  " "Target Percentage" means the percentage of Executive's
         annual base salary on which Executive's target cash incentive award
         pursuant to the 1996 Plan or any other Company incentive compensation
         or bonus plan then in effect is based for a particular fiscal year.
         Such percentage is established annually by the Committee in
         administering the applicable plan. In the event that the Committee
         established that Executive's incentive award for such fiscal year would
         be increased by awarding Executive additional shares of stock or
         restricted stock with respect to any portion of the award to be paid in
         stock, the Target Percentage will be increased to take into account the
         cash value of such additional shares.

                  For purposes of this definition, shares of stock or restricted
         stock will be valued without regard to any vesting, transfer or other
         restrictions applicable to such stock and will be deemed to have a per
         share cash value equal to the closing price of the stock, as of the
         date the shares were awarded, on the principal stock exchange on which
         the stock is traded."

         (ii) Certain other definitions in Section 8 of the Agreement are hereby
amended as follows:

                  (1) The phrase "of the Company" is hereby added after the
phrase "the Chief Executive Officer" in the second sentence of the paragraph
following clause (b) of current Section 8.6 of the Agreement.

                  (2) The phrase "plans of the Company" in current Section
8.7(a) of the Agreement is hereby replaced with the phrase "plans of the Company
and its Subsidiaries".

                  (3) In the second sentence of current Section 8.13 of the
Agreement, the phrase "to be accorded by the "Company" " is hereby replaced with
the phrase "provided or to be provided by the Company" and the phrase "to be
provided by such Subsidiary" is hereby replaced with the phrase "provided or to
be provided by such Subsidiary".

                  (4) The phrase "or program" is hereby inserted after the word
"plan" each time it appears in current Section 8.21(d) of the Agreement, and the
phrase "or programs" is hereby inserted after the phrase "welfare plans" in
current Section 8.21(e) of the Agreement.

                                      -22-
<PAGE>

         (iii) Section 8 of the Agreement is hereby further amended by deleting
the definition of 1994 Plan, which currently appears as Section 8.32.

         (iv) The first unnumbered paragraph of the Agreement is hereby amended
by deleting the parenthetical "(the "Company")".

         6. New Definitions. Section 8 of the Agreement is hereby further
amended to add the following new definitions:

                  " "Interest" means interest at the Federal short-term rate,
         the Federal mid-term rate, or the Federal long-term, as applicable,
         compounded semiannually, under Section 1274(b)(2)(B) of the Code based
         on the period over which interest is being accrued."

                  " "Matching Amount" means the maximum amount that Executive
         would have been eligible to have credited to Executive's plan accounts
         under The PNC Financial Services Group, Inc. Incentive Savings Plan and
         the Supplemental Savings Plan (or similar plan or plans sponsored by a
         Subsidiary, if applicable to Executive) (the plans applicable to
         Executive being hereafter referred to as the "Savings Plans") by
         Executive's employer as a matching contribution or credit assuming: (a)
         Executive had remained an employee of the Company after the Date of
         Termination for a number of years after the Date of Termination equal
         to the Classification Factor (or, if less, the Retirement Factor); (b)
         Executive received (i) a base salary and annual bonus equal to the
         Annual Base Salary and Annual Bonus with respect to, and paid in, each
         year during such period (or, if the Retirement Factor is applicable and
         includes a fraction, a base salary and annual bonus equal to the Annual
         Base Salary and Annual Bonus for any full year during such period and a
         base salary and annual bonus equal to such fraction times the Annual
         Base Salary and Annual Bonus during the fraction of a year in such
         period) plus (ii) a bonus with respect to the Termination Year equal to
         the amount payable to Executive pursuant to Section 5.2(b)(i), paid in
         the year after the Termination Year, and a bonus with respect to the
         fiscal year preceding the Termination Year equal to the amount, if any,
         payable to Executive pursuant to Section 5.2(b)(ii), paid in the
         Termination Year; (c) Executive had elected to participate in the
         Savings Plans and to defer the maximum percentage of such base salary
         and/or bonuses under the Savings Plans; (d) Executive's employer had
         made the maximum matching contribution or credit with respect to such
         amounts under the Savings Plans; and (e) all such matching
         contributions or credits were fully vested.

                  In calculating the Matching Amount, all determinations and
         calculations will be made on the basis of the terms and conditions of
         the Savings Plans as in effect immediately prior to the Date of
         Termination or, if it would result in a larger Matching Amount, as in
         effect immediately prior to the commencement of the Coverage Period in
         which the Date of Termination occurs.

                  Notwithstanding the foregoing, unless, immediately prior to
         the Date of Termination, Executive was eligible to participate in and
         receive employer matching contributions or credits under the Savings
         Plans, or would have been so eligible had the Savings Plans remained as

                                      -23-
<PAGE>

         in effect immediately prior to the commencement of the Coverage Period
         in which the Date of Termination occurs, the Matching Amount will be
         deemed to be zero."

                  " "Perquisites Allowance" means the amount Executive received
         or was eligible to receive as a perquisites allowance for any fiscal
         year. If Executive was not eligible to receive and did not receive a
         perquisites allowance for any fiscal year, then for that fiscal year,
         Perquisites Allowance means the value of any perquisites provided to or
         paid on behalf of Executive during such fiscal year that would have
         been reportable as Other Annual Compensation for Executive for such
         fiscal year pursuant to Item 402(b)(2)(iii)(C)(1) of Regulation S-K (or
         any similar item) promulgated under the Exchange Act, without regard to
         any exclusion in said item for amounts that are less than a specified
         amount or aggregate amount, if Company had been subject to such
         reporting requirement with respect to Executive for such fiscal year."

                  " "Total Benefits" has the meaning assigned to such term in
         Section 5.3(a)(i)."

         7. Renumber Certain Definitions. The definitions in Section 8 of the
Agreement are hereby numbered or renumbered, as the case may be, so that they
appear in alphabetical order after the additions and deletions set forth in the
Amendment, and any references in the Agreement to definitions by section number
are also hereby amended accordingly.

             IN WITNESS WHEREOF, the Company has caused the Amendment to be
executed by its officer, thereunto duly authorized, and Executive has executed
the Amendment, all as of June 28, 2001.

                                      THE PNC FINANCIAL SERVICES
                                      GROUP, INC.

                                      By:
                                          ---------------------------
                                          [Name]
                                          [Title]

                                      EXECUTIVE

                                      -------------------------------
                                      [Name]

                                      -24-

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