Document:

<PAGE>

                                                                    EXHIBIT 10.6

                             EMPLOYMENT AGREEMENT
                             --------------------

     THIS AGREEMENT entered into this 1st day of January, 2001 ("Effective
Date"), by and between Heritage Bank (the "Bank") and Mr. Leonard Moreland (the
"Employee").

     WHEREAS, the Employee is experienced in all phases of the management and
operations of a insured financial institution and is experienced in all phases
of the business of the Bank; and

     WHEREAS, the parties desire by this writing to set forth the employment
relationship of the Bank and the Employee.

     NOW, THEREFORE, it is AGREED as follows:

     1.  Employment.  Upon the Effective Date, the Employee shall be employed in
         ----------
the capacity as the Chief Administrative Officer of the Bank reporting directly
to the President of the Bank.  The Employee shall render such administrative and
management services to the Bank and CCF Holding Company ("Parent") as are
customarily performed by persons situated in a similar executive capacity.  The
Employee shall promote to the extent permitted by law the business of the Bank
and Parent.  The Employee's other duties shall be such as the President or the
Board of Directors for the Bank (the "Board of Directors" or "Board") may from
time to time reasonably direct, including normal duties as an officer of the
Bank.

     2.  Base Compensation.  As of the Effective Date, the Bank agrees to pay
         -----------------
the Employee during the term of this Agreement a salary at the rate of
$122,500 per annum, payable in cash not less frequently than semi-monthly;
provided, that the rate of such base salary and total compensation shall be
reviewed by the Board of Directors not less often than annually, and such salary
shall be subject to revision from time to time within the sole discretion of the
President and the Board upon a determination that the performance of the
Employee has met the requirements and standards of the President and the Board,
and that such base salary shall be adjusted.

     3.  Discretionary Bonus.  The Employee shall be entitled to participate in
         -------------------
an equitable manner with all other senior management employees of the Bank in
discretionary bonuses that may be authorized and declared by the Board of
Directors to its senior management employees from time to time.  No other
compensation provided for in this Agreement shall be deemed a substitute for the
Employee's right to participate in such discretionary bonuses when and as
declared by the Board of Directors.

     4.  (a)  Participation in Retirement and Medical Plans.  The Employee shall
              ---------------------------------------------
be entitled to participate in any plan of the Bank relating to pension, profit-
sharing, or other retirement benefits
<PAGE>

and medical coverage or reimbursement plans that the Bank may adopt for the
benefit of its employees.

     (b) Employee Benefits; Expenses.  The Employee shall be eligible to
         ---------------------------
participate in any fringe benefits which may be or may become applicable to the
Bank's senior management employees.  The Bank shall reimburse Employee for all
reasonable out-of-pocket expenses which Employee shall incur in connection with
his service for the Bank.

     5.  Term.  The term of employment of Employee under this Agreement shall be
         ----
for the period commencing on the Effective Date and ending thirty-six months
thereafter.  Additionally, not later than on each annual anniversary date from
the Effective Date, the term of employment under this Agreement shall be
extended for up to an additional one year period beyond the then effective
expiration date so that the remaining term of the Agreement shall be for thirty-
six months thereafter upon a determination and resolution of the Board of
Directors that the performance of the Employee has met the requirements and
standards of the Board, and that the term of such Agreement shall be extended.

     6.  Loyalty; Noncompetition.
         -----------------------

     (a) The Employee shall devote his full time and attention to the
performance of his employment under this Agreement. During the term of
Employee's employment under this Agreement, the Employee shall not engage in any
business or activity contrary to the business affairs or interests of the
Association or Parent.

     (b) Nothing contained in this Section 6 shall be deemed to prevent or limit
the right of Employee to invest in the capital stock or other securities of any
business dissimilar from that of the Bank or Parent, or solely as a passive or
minority investor, in any business.

     7.  Standards.  The Employee shall perform his duties under this Agreement
         ---------
in accordance with such reasonable standards expected of employees with
comparable positions in comparable organizations and as may be established from
time to time by the Board of Directors.

     8.  Vacation and Sick Leave.  At such reasonable times as the President or
         -----------------------
the Board of Directors shall in its discretion permit, the Employee shall be
entitled to absent himself voluntarily from the performance of his employment
under this Agreement as follows:

     (a) The Employee shall be entitled to annual vacation leave in accordance
with the policies as are periodically established by the Board of Directors for
senior management employees of the Bank.

     (b) The Employee shall not be entitled to receive any additional
compensation from the Bank on account of his failure to take vacation leave and
Employee shall not be entitled to accumulate unused vacation from one fiscal
year to the next, except in either case to the extent authorized by the Board of
Directors for senior management employees of the Bank.
<PAGE>

     (c)  In addition, the Employee shall be entitled to an annual sick leave
benefit as established by the Board of Directors for senior management employees
of the Bank.

     9.   Termination and Termination Pay.
          -------------------------------

     The Employee's employment under this Agreement shall be terminated upon any
of the following occurrences:

     (a)  The death of the Employee during the term of this Agreement, in which
event the Employee's estate shall be entitled to receive the compensation due
the Employee through the last day of the calendar month in which Employee's
death shall have occurred.

     (b)  The Board of Directors may terminate the Employee's employment at any
time, but any termination by the Board of Directors other than termination for
Just Cause, shall not prejudice the Employee's right to compensation or other
benefits under the Agreement.  The Employee shall have no right to receive
compensation or other benefits for any period after termination for Just Cause.
Termination for "Just Cause" shall include termination because of the Employee's
personal dishonesty, incompetence, willful misconduct, breach of fiduciary duty
involving personal profit, intentional failure to perform stated duties, willful
violation of any law, rule or regulation (other than traffic violations or
similar offenses) or final cease-and-desist order, or material breach of any
provision of the Agreement.

     (c)  Except as provided pursuant to Section 12 herein, in the event
Employee's employment under this Agreement is terminated by the Board of
Directors without Just Cause, the Bank shall be obligated to continue to pay the
Employee the salary provided pursuant to Section 2 herein in effect for a period
of thirty-six months thereafter and the cost of Employee obtaining all health,
life, disability, and other benefits which the Employee would be eligible to
participate in through such date based upon the benefit levels substantially
equal to those being provided Employee at the date of termination of employment.

     (d)  If the Employee is removed and/or permanently prohibited from
participating in the conduct of the Bank's affairs by an order issued under
Sections 8(e) (4) or 8 (g) (1) of the Federal Deposit Insurance Act ("FDIA") (12
U.S.C. 1818 (e) (4) and (g) (1) ), all obligations of the Bank under this
Agreement shall terminate, as of the effective date of the order, but the vested
rights of the parties shall not be affected.

     (e)  If the Bank is in default (as defined in Section 3 (x) (1) of FDIA)
all obligations under this Agreement shall terminate as of the date of default,
but this paragraph shall not affect any vested rights of the contracting
parties.

     (f)  All obligations under this Agreement shall be terminated, except to
the extent determined that continuation of this Agreement is necessary for the
continued operation of the Bank:  (i) by the Georgia Department of Banking and
Finance, or their designee, at the time that the Federal Deposit Insurance
Corporation ("FDIC") enters into an agreement to provide assistance to or on
behalf of the Bank under the authority contained in Section 13 (c) of FDIA; or
<PAGE>

(ii) by the Director of the FDIC, or his or her designee at the time that
Director of the FDIC, or his or her designee approves a supervisory merger to
resolve problems related to operation of the Bank or when the Bank is determined
by the Director of the FDIC to be in an unsafe or unsound condition. Any rights
of the parties that have already vested, however, shall not be affected by such
action.

     (g)  The voluntary termination by the Employee during the term of this
Agreement with the delivery of no less than 60 days written notice to the Board
of Directors, other than pursuant to Section 12 (b), in which case the Employee
shall be entitled to receive only the compensation, vested rights, and all
employee benefits up to the date of such termination.

     (h)  Notwithstanding anything herein to the contrary, any payments made to
the Employee pursuant to the Agreement, or otherwise, shall be subject to and
conditioned upon compliance with 12 USC 1828 (k) and any regulations promulgated
thereunder.

     10.  Suspension of Employment.  If the Employee is suspended and/or
          ------------------------
temporarily prohibited from participating in the conduce of the Bank's affairs
by a notice served under Section 8 (e) (3) or (g) (1) of the FDIA (12 U.S.C.
1818 (e) (3) and (g) (1) ), the Bank's obligations under the Agreement shall be
suspended as of the date of service, unless stayed by appropriate proceedings.
If the charges in the notice are dismissed, the Bank may in its discretion (i)
pay the Employee all or part of the compensation withheld while its contract
obligations were suspended and (ii) reinstate any of its obligations which were
suspended.

     11.  Disability.  If the Employee shall become disabled or incapacitated to
          ----------
the extent that he is unable to perform his duties hereunder, by reason of
medically determinable physical or mental impairment, as determined by a doctor
engaged by the Board of Directors, Employee shall receive the compensation and
benefits provided under the provisions of disability insurance coverage in
effect for Bank employees.  Upon returning to active full-time employment, the
Employee's full compensation as set forth in this Agreement shall be reinstated
as of the date of commencement of such activities.  In the event that the
Employee returns to active employment on other than a full-time basis, then his
compensation (as set forth in Section 2 of this Agreement) shall be reduced in
proportion to the time spent in said employment, or as shall otherwise be agreed
to by the parties.

     12.  Change in Control.
          -----------------

     (a)  Notwithstanding any provision herein to the contrary, in the event of
the involuntary termination of Employee's employment under this Agreement,
absent Just Cause, in connection with, or within twelve (12) months after, any
change in control of the Bank or Parent, Employee shall be paid an amount equal
to the product of 2.99 times the Employee's "base amount" as defined in Section
280G (b) (3) of the Internal Revenue code of 1986, as amended (the "Code") and
regulations promulgated thereunder.  Said sum shall be paid, at the option of
Employee, either in one (1) lump sum within thirty (30) days of such termination
discounted to the present value of such payment using as the discount rate the
"prime rate" as published in the Wall Street Journal Eastern Edition as of the
date of such payment, or in periodic payments over the next 36
<PAGE>

months or the remaining term of this Agreement whichever is less, as if
Employee's employment had not been terminated, and such payments shall be in
lieu of any other future payments which the Employee would be otherwise entitled
to receive under Section 9 of this Agreement. Notwithstanding the forgoing, all
sums payable hereunder shall be reduced in such manner and to such extent so
that no such payments made hereunder when aggregated with all other payments to
be made to the Employee by the Bank or the Parent shall be deemed an "excess
parachute payment" in accordance with Section 280G of the Code and be subject to
the excise tax provided at Section 4999 (a) of the Code. The term "control"
shall refer to the ownership, holding or power to vote more than 25% of the
Parent's or Bank's voting stock, the control of the election of a majority of
the Parent's or Bank's directors, or the exercise of a controlling influence
over the management or policies of the Parent or Bank by any person or by
persons acting as a group within the meaning of Section 13 (d) of the Securities
Exchange Act of 1934. The term "person" means an individual other than the
Employee, or a corporation, partnership, trust, association, joint venture,
pool, syndicate, sole proprietorship, unincorporated organization or any other
form of entity not specifically listed herein.

     (b)  Notwithstanding any other provision of this Agreement to the contrary,
Employee may voluntarily terminate his employment under this Agreement within
twelve (12) months following a change in control of the Bank or Parent, and
Employee shall thereupon be entitled to receive the payment described in Section
12 (a) of this Agreement.

     (c)  In the event any dispute shall arise between the Employee and the Bank
as to the terms or interpretation of this Agreement, including this Section 12,
whether instituted by formal legal proceedings or otherwise, including any
action taken by Employee to enforce the terms of this Section 12 or in defending
against any action taken by the Bank or Parent, the Bank or Parent shall
reimburse Employee for all costs and expenses, including reasonable attorneys'
fees, arising from such dispute, proceedings or actions following issuance of a
legal judgment by a court of competent jurisdiction finding in favor of the
Employee or the settlement of the dispute by the parties.  Such settlement to be
approved by the Board of the Bank or the Parent may include a provision for the
reimbursement by the Bank or Parent to the Employee for all costs and expenses,
including reasonable attorneys' fees, arising from such dispute, proceedings or
actions, or the Board of the Bank or the Parent shall authorize such
reimbursement of such costs and expenses by separate action upon a written
action and determination of the Board that payment of such costs and expenses is
not detrimental to the Bank or the Parent.  Such reimbursement shall be paid
within ten (10) days of Employee furnishing to the Bank or Parent evidence,
which may be in the form, among other things, of a canceled check or receipt, of
any costs or expenses incurred by Employee.

     13.  Successors and Assigns.
          ----------------------

     (a)  This agreement shall inure to the benefit of and be binding upon any
corporate or other successor of the Bank or Parent which shall acquire, directly
or indirectly, by merger, consolidation, purchase or otherwise, all or
substantially all of the assets or stock of the Bank or Parent.
<PAGE>

     (b)  Since the Bank is contracting for the unique and personal skills of
the Employee, the Employee shall be precluded from assigning or delegating his
rights or duties hereunder without first obtaining the written consent of the
Bank.

     14.  Amendments.  No amendments or additions to this Agreement shall be
          ----------
binding upon the parties hereto unless made in writing and signed by both
parties, except as herein otherwise specifically provided.

     15.  Applicable Law.  This agreement shall be governed in all respects
          --------------
whether as to validity, construction, capacity, performance or otherwise, by the
laws of the State of Georgia, the extent that Federal law shall be deemed to
apply.

     16.  Severability.  The provisions of this Agreement shall be deemed
          ------------
severable and the invalidity or unenforceability of any provision shall not
affect the validity or enforceability of the other provisions hereof.

     17.  Entire Agreement.  This Agreement together with any understanding or
          ----------------
modifications thereof as agreed to in writing by the parties, shall constitute
the entire agreement between the parties hereto.
<PAGE>

     IN WITNESS WHEREOF, the parties have executed this Agreement on the day and
first hereinabove written.

                                                  Heritage Bank

ATTEST:                                           By: _________________________

_________________________
Secretary

WITNESS:

_________________________                         _____________________________
                                                  Leonard Moreland, Employee<PAGE>

                                                                    EXHIBIT 10.8

                     CHANGE IN CONTROL SEVERANCE AGREEMENT
                     -------------------------------------

     THIS CHANGE IN CONTROL SEVERANCE AGREEMENT ("Agreement") entered into this
1st day of January, 2001 ("Effective Date"), by and between Heritage Bank (the
"Bank") and John Westervelt (the "Employee").

     WHEREAS, the Employee is currently employed by the Bank as Senior Vice
President and is experienced in all phases of the financial service industry and
the business of the Bank; and

     WHEREAS, the parties desire by this writing to set forth the rights and
responsibilities of the Bank and Employee if the Bank should undergo a change in
control (as defined hereinafter in the Agreement) after the Effective Date.

     NOW, THEREFORE, it is AGREED as follows:

     1. Employment.
        ----------

       The Employee is employed in the capacity as a Senior Vice President of
the Bank. The Employee shall render such administrative and management services
to the Bank and CCF Holding Company ("Parent") as are currently rendered and as
are customarily performed by persons situated in a similar executive capacity.
The Employee's other duties shall be such as the President or the Board of
Directors for the Bank (the "Board of Directors" or "Board") may from time to
time reasonably direct, including normal duties as an officer of the Bank and
the Parent.

     2.  Term of Agreement.
         -----------------

       The term of this Agreement shall be for the period commencing on the
Effective Date and ending twelve (12) months thereafter ("Term").  The term of
this Agreement may be extended for up to an additional one year period beyond
the then effective expiration date upon a determination and resolution of the
Board of Directors that the performance of the Employee has met the requirements
and standards of the Board, and that the Term of such Agreement shall be
extended.

     3.  Termination of Employment in Connection with or Subsequent to a Change
         ----------------------------------------------------------------------
in Control.
----------

     (a) Notwithstanding any provision herein to the contrary, in the event of
the involuntary termination of Employee's employment under this Agreement,
absent Just Cause, in connection with, or within twelve (12) months after, and
Change in Control of the Bank or Parent, Employee shall be paid an amount equal
to 100% of the taxable compensation paid to Employee by the Bank for the twelve
month period prior to the date of termination of employment (whether said
amounts were received or deferred by the Employee) and the costs associated with
maintaining
<PAGE>

coverage under the Bank's medical and dental insurance reimbursement plans
similar to that in effect on the date of termination of employment for a period
of one year thereafter. Said sum shall be paid, at the option of Employee,
either in one (1) lump sum within thirty (30) days of such termination
discounted to the present value of such payment using as the discount rate the
"prime rate" as published in the Wall Street Journal Eastern Edition as of the
date of such payment minus 100 basis points, or in periodic payments over the
next 12 months, and such payments shall be in lieu of any other future payments
which the Employee would be otherwise entitled to receive. Notwithstanding the
forgoing, all sums payable hereunder shall be reduced in such manner and to such
extent so that no such payments made hereunder when aggregated with all other
payments to be made to the Employee by the Bank or the Parent shall be deemed an
"excess parachute payment" in accordance with Section 280G of the Internal
Revenue Codes of 1986, as amended (the "Code") and be subject to the excise tax
provided at Section 4999 (a) of the Code. The term "Change in Control" shall
mean: (i) the execution of an agreement for the sale of all, or a material
portion, of the assets of the Bank or the Parent; (ii) the execution of an
agreement for a merger or recapitalization of the Bank or the Parent or any
merger or recapitalization whereby the Bank or the Parent is not the surviving
entity; (iii) a change in control of the Bank or the Parent, as otherwise
defined or determined by the Georgia Department of Banking and Finance or the
Federal Deposit Insurance Corporation or regulations promulgated by them; or
(iv) the acquisition, directly or indirectly, of the beneficial ownership
(within the meaning of that term as it is used in Section 13 (d) of the
Securities Exchange Act of 1934 and the rules and regulations promulgated
thereunder) of twenty-five percent (25%) or more of the outstanding voting
securities of the Bank or the Parent by any person, trust, entity or group. The
term "person" means an individual other than the Employee, or a corporation,
partnership, trust, association, joint venture, pool, syndicate, sole
proprietorship, unincorporated organization or any other form of entity not
specifically listed herein.

     (b) Notwithstanding any other provision of this Agreement to the contrary
except as provided at Sections 4 (b), 4 (c), 4 (d), 4 (e) and 5, Employee may
voluntarily terminate his employment under this Agreement within twenty-four
months following a Change in Control of the Bank or Parent, and Employee shall
thereupon be entitled to receive the payment and benefits described in Section 3
(a) of this Agreement, upon the occurrence, or within ninety (90) days
thereafter, of any of the following events, which have not been consented to in
advance by the Employee in writing: (i) if Employee would be required to move
his personal residence or perform his principal executive functions more than
thirty-five (35) miles from the Employee's primary office as of the signing of
this Agreement; (ii) if the Bank or Parent should fail to maintain the
Employee's base compensation in effect as of the date of the Change in Control
and existing employee benefits plans, including material fringe benefit, stock
option and retirement plans, except to the extent that such reduction in benefit
programs is part of an overall adjustment in benefits for all employees of the
Bank or Parent and does not disproportionately adversely impact the Employee;
(iii) if Employee would be assigned duties and responsibilities other than those
normally associated with his position as referenced at Section 1, herein; or
(iv) if Employee's responsibilities or authority have in any way been materially
diminished or reduced.
<PAGE>

     4.  Other Changes in Employment Status.
         ----------------------------------

     (a) Except as provided for at Section 3, herein, the Board of Directors may
terminate the Employee's employment at any time with or without Just Cause
within its sole discretion. This Agreement shall not be deemed to give Employee
any right to be retained in the employment or service of the Bank, or to
interfere with the right of the Bank to terminate the employment of the Employee
at any time. The Employee shall have no right to receive compensation or other
benefits for any period after termination for Just Cause. Termination for "Just
Cause" shall include termination because of the Employee's personal dishonesty,
incompetence, willful misconduct, breach of fiduciary duty involving personal
profit, intentional failure to perform stated duties, willful violation of any
law, rule or regulation (other than traffic violations or similar offenses) or
final cease-and-desist order, or material breach of any provision of the
Agreement.

     (b)  If the Employee is removed and/or permanently prohibited from
participating in the conduce of the Bank's affairs by an order issued under
Sections 8 (e) (4) or 8 (g) (1) of the Federal Deposit Insurance Act ("FDIA")
(12 U.S.C. 1818 (e) (4) and (g) (1) ), all obligations of the Bank under this
Agreement shall terminate, as of the effective date of the order, but the vested
rights of the parties shall not be affected.

     (c)  If the Bank is in default (as defined in Section 3 (x) (1) of FDIA)
all obligations under this Agreement shall terminate as of the date of default,
but this paragraph shall not affect any vested rights of the contracting
parties.

     (d)  All obligations under this Agreement shall be terminated, except to
the extent determined that continuation of this Agreement is necessary for the
continued operation of the Bank:  (i)  by the Bank's primary regulator, or his
or her designee, at the time that the Federal Deposit Insurance Corporation
("FDIC") enters into an agreement to provide assistance to or on behalf of the
Bank under the authority contained in Section 13 (c) of FDIA; or (ii) by the
Bank's primary regulator, or his or her designee, at the time that they, or his
or her designee approves a supervisory merger to resolve problems related to
operation of the Bank or when the Bank is determined by the Georgia Department
of Banking and Finance to be in an unsafe or unsound condition.  Any rights of
the parties that have already vested, however, shall not be affected by such
action.

     (e)  Notwithstanding anything herein to the contrary, any payments made to
the Employee pursuant to the Agreement, or otherwise, shall be subject to and
conditioned upon compliance with 12 USC 1828 (k) and any regulations promulgated
thereunder.

     5.  Suspension of Employment.
         ------------------------

        If the Employee is suspended and/or temporarily prohibited from
participating in the conduct of the Bank's affairs by a notice served under
Section 8 (e) (3) or (g) (1) of the FDIA (12 U.S.C.  1818 (e) (3) and (g) (1)),
the Bank's obligations under the Agreement shall be suspended
<PAGE>

as of the date of service, unless stayed by appropriate proceedings. If the
charges in the notice are dismissed, the Bank may in its discretion (i) pay the
Employee all or part of the compensation withheld while its contract obligations
were suspended and (ii) reinstate any of its obligations which were suspended.

     6.  Loyalty; Noncompetition.
         -----------------------

     (a) The Employee shall devote his full time and attention to the
performance of his employment under this Agreement. During the term of
Employee's employment under this Agreement, the Employee shall not engage in any
business or activity contrary to the business affairs or interests of the Bank
or Parent.

     (b) Nothing contained in this Section 6 shall be deemed to prevent or limit
the right of Employee to invest in the capital stock or other securities of any
business dissimilar from that of the Bank or Parent, or solely as a passive or
minority investor, in any business.

     (c) In consideration of entering into this Agreement and the sums payable
by the Bank under this Agreement, Employee agrees that for a period of not less
than one year from the date of termination of employment with the Bank in
accordance with Section 9 hereinafter, whether such termination is initiated by
the Employee or the Bank, Employee shall not engage in providing professional
service or employment as an employee, director, consultant, representative, or
similar relationship to any financial services enterprise (including but not
limited to a savings and loan association, bank, credit union, or insurance
company) with offices or business activities located in Clayton County in the
State of Georgia.  Breach of this provision not to compete with the business of
the Bank shall result in the forfeiture of all compensation and benefits
eligibility to be provided in accordance with Section 9(c) herein, as may be
applicable, as well as the Bank seeking such other legal remedies, including but
not limited to seeking injunctive relief and monetary damages for such contract
breach.  This limitation on future activities shall not affect the payment of
compensation payable in accordance with this Agreement.

     7. Successors and Assigns.
        ----------------------

     (a)  This agreement shall inure to the benefit of and be binding upon any
corporate or other successor of the Bank which shall acquire, directly or
indirectly, by merger, consolidation, purchase or otherwise, all or
substantially all of the assets or stock of the Bank.

     (b) The Employee shall be precluded from assigning or delegating his rights
or duties hereunder without first obtaining the written consent of the Bank.

     8.  Amendments.  No amendments or additions to this Agreement shall be
         ----------
binding upon the parties hereto unless made in writing and signed by both
parties, except as herein otherwise specifically provided.
<PAGE>

     9.  Applicable Law.
         --------------

      This agreement shall be governed by all respects whether as to validity,
construction, capacity, performance or otherwise, by the laws of the State of
Georgia, except to the extent that Federal law shall be deemed to apply.

     10. Severability.
         ------------

      The provisions of this Agreement shall be deemed severable and the
invalidity or unenforceability of any provision shall not affect the validity or
enforceability of the other provisions hereof.

     11. Arbitration.
         -----------

      Any controversy or claim arising out of or relating to this Agreement, or
the breach thereof, shall be settled by arbitration in accordance with the rules
then in effect of the district office of the American Arbitration Association
("AAA") nearest to the home office of the Bank, and judgment upon the award
rendered may be entered in any court having jurisdiction thereof, except to the
extent that the parties may otherwise reach a mutual settlement of such issue.
The Bank shall reimburse Employee for all reasonable costs and expenses,
including reasonable attorneys' fees, arising from such dispute, proceedings or
actions, following the delivery of the decision of the arbitrator finding in
favor of the Employee.  Further, the settlement of the dispute to be approved by
the Board of the Bank or the Parent may include a provision for the
reimbursement by the Bank or Parent to the Employee for all reasonable costs and
expenses, including reasonable attorneys' fees, arising from such dispute,
proceedings or actions, or the Board of the Bank or the Parent may authorize
such reimbursement of such reasonable costs and expenses by separate action upon
a written action and determination of the Board following settlement of the
dispute.

     12.  Entire Agreement.
          ----------------

       This Agreement together with any understanding or modifications thereof
as agreed to in writing by the parties, shall constitute the entire agreement
between the parties hereto.
<PAGE>

     IN WITNESS WHEREOF, the parties have executed this Agreement on the day and
first hereinabove written.

                                                  Heritage Bank

ATTEST:                                           By: _________________________

_________________________
Secretary

WITNESS:

_________________________                         _____________________________
                                                  John Westervelt, Employee

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