Document:

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                                                                     Exhibit 4.3

                                    UNB CORP.
                             1997 STOCK OPTION PLAN
                     (as amended through December 31, 2002)

                                    ARTICLE I
                                   DEFINITIONS

Section 1.1 Definitions. As used herein, the following terms shall have the
meaning set forth below, unless the context clearly requires otherwise:

(a)   "Applicable Event" shall mean (i) the expiration of a tender offer or
      exchange offer (other than an offer by the Company) pursuant to which more
      than 30% of the Company's issued and outstanding Stock has been purchased,
      or (ii) the approval by the shareholders of the Company of an agreement to
      merge or consolidate the Company with or into another entity where the
      Company is not the surviving entity, an agreement to sell or otherwise
      dispose of all or substantially all of the Company's assets (including a
      plan of liquidation), or the approval by the shareholders of the Company
      of an agreement to merge or consolidate the Company with or into another
      entity where the Company is the surviving entity, pursuant to which more
      than 25% of the Company's issued and outstanding Stock has been
      transferred.

(b)   "Bank" shall mean the United National Bank and Trust Co., and any
      subsidiary of the United National Bank and Trust Co. or UNB Corp.

(c)   "Committee" shall mean a Committee consisting of the members of the Board
      of Directors of the Company or Bank, who are not employees of the Bank or
      the Company.

(d)   "Company" shall mean UNB Corp.

(e)   "Director" shall mean a member of the Board of Directors of the Company
      and/or the Bank.

(f)   "Effective Date" with respect to the Plan shall mean the date specified in
      Section 2.3 as the Effective Date.

(g)   "Fair Market Value" with respect to a share of Stock shall mean the fair
      market value of the Stock, as determined by application of such reasonable
      valuation methods as the Committee shall adopt or apply. The Committee's
      determination of Fair Market Value shall be conclusive and binding on the
      Company and the Optionee. The Committee shall take into account the
      valuation performed for the 401(k) plan maintained for the benefit of the
      employees of the Bank.

(h)   "Option" shall mean an option to purchase Stock granted pursuant to the
      provisions of the Plan. Options granted under the Plan shall be either
      Nonqualified Stock Options or Incentive Stock Options. An Incentive Stock
      Option shall mean an Option to purchase shares of Stock which is
      designated as an Incentive Stock Option by the Committee and is intended
      to meet the requirements of Section 422 of the Internal Revenue Code of
      1986, as amended. Nonqualified Stock Options shall mean an Option to
      purchase shares of Stock which is not an Incentive Stock Option.

(i)   "Optionee" shall mean a Director, officer or employee of the Bank or the
      Company to whom an Option has been granted.

(j)   "Plan" shall mean the UNB Corp. 1997 Stock Option Plan, the terms of which
      are set forth herein.

(k)   "Plan Year" shall mean the twelve-month period beginning on the Effective
      Date, and each twelve-month period thereafter beginning on the anniversary
      date of the Effective Date.
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(1)   "Stock" shall mean the Common Stock of the Company or, in the event that
      the outstanding shares of Stock are changed into or exchanged for shares
      of a different stock or securities of the Company or some other entity,
      such other stock or securities.

(m)   "SAR" or "Stock Appreciation Right" shall mean a right to receive cash in
      an amount equal to the excess of the fair market value of a share of Stock
      on the exercise date over the fair market value of a share of Stock on the
      date the Stock Appreciation Right is granted pursuant to the provisions of
      the Plan.

(n)   "Stock Option Agreement" shall mean the agreement between the Company and
      the Optionee under which the Optionee may purchase Stock pursuant to the
      terms of the Plan.

                                   ARTICLE II
                                    THE PLAN

Section 2.1 Name. This plan shall be known as the "UNB Corp. 1997 Stock Option
Plan."

Section 2.2 Purpose. The purpose of the Plan is to advance the interests of the
Company and its shareholders by affording to Directors and officers of the
Company and the Bank an opportunity to acquire or increase their proprietary
interest in the Company by the grant to such persons of Options under the terms
set forth herein. By encouraging such persons to become owners of the Company,
the Company seeks to attract, motivate, reward and retain those highly competent
individuals upon whose judgment, initiative, leadership and efforts the success
of the Company depends.

Section 2.3 Effective Date and Term. The Plan was approved by the Board of
Directors of the Company on January 16, 1997, and shall be effective
retroactively on March 1, 1997, as approved by a majority of the shareholders of
the Company present in person or by proxy at the meeting of shareholders of the
Company held on April 15, 1997. The Plan shall terminate upon the tenth
anniversary of the Effective Date.

                                   ARTICLE III
                                 ADMINISTRATION

Section 3.1  Administration.

(a)   The Plan shall be administered by the Committee. Subject to the express
      provisions of the Plan, the Committee shall have sole discretion and
      authority to determine from time to time the individuals to whom Options
      may be granted, the number of shares of Stock to be subject to each
      Option, the period during which such Option may be exercised and the price
      at which such Option may be exercised.

(b)   Meetings of the Committee shall be held at such times and at such places
      as shall be determined from time to time by the Committee. A majority of
      the members of the Committee shall constitute a quorum for the transaction
      of business and the vote of a majority of those members present at any
      meeting shall decide any question brought before the meeting. In addition,
      the Committee may take any action otherwise proper under the Plan by the
      affirmative vote, taken without a meeting, of a majority of the members.

(c)   No member of the Committee shall be liable for any act or omission of any
      other member of the Committee or for any act of omission on his own part,
      including, but not limited to, the exercise of any power or discretion
      given to him under the Plan, except those resulting from his own gross
      negligence or willful misconduct. All questions of interpretations and
      application with respect to the Plan, or Options granted thereunder, shall
      be subject to the determination, which shall be final and binding, of a
      majority of the whole Committee.

(d)   In addition, the Committee shall have the sole discretion and authority to
      determine whether an Option shall be an Incentive Stock Option or a
      Nonqualified Stock Option, or both types of Options, provided that
      Incentive Stock Options may be granted only to persons who are employees
      of the Company or the Bank.
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Section 3.2 Company Assistance. The Company and the Bank shall supply full and
timely information to the Committee on all matters relating to eligible
employees, their employment, death, retirement, disability or other termination
of employment and such other pertinent facts as the Committee may require. The
Company and the Bank shall furnish the Committee with such clerical and other
assistance as is necessary in the performance of its duties.

                                   ARTICLE IV
                                    OPTIONEES

Section 4.1 Eligibility. Directors and officers of the Company and the Bank
shall be eligible to participate in the Plan. The Committee may grant Options to
any eligible individual subject to the provisions of Section 5.1.

                                   ARTICLE V
                       SHARES OF STOCK SUBJECT TO THE PLAN

Section 5.1  Grant of Options and Limitations.

(a)   Initial Plan Year. For the initial Plan Year, the Committee shall grant
      Options according to the following schedule:

      1.    Each person who is a Director of the Company and not actively
            employed by the Company or the Bank as of the Effective Date shall
            receive Options for 1,000 shares of Stock;

      2.    Each person who is a Director of one or more Banks and is not a
            Director of the Company or actively employed by the Company or Bank
            as of the Effective Date shall receive Options for 700 shares of
            Stock;

      3.    The Company's CEO, determined as of the Effective Date, shall
            receive Options for 1,000 shares of Stock;

      4.    Such other individuals, excluding individuals identified in Section
            5.1(a)(1) or (2), as are designated by the Committee shall be
            eligible to receive Options for the number of shares of Stock as
            determined by the Committee.

(b)   Subsequent Years. As of the first day of each subsequent Plan Year,
      Options shall be granted according to the following schedule:

      1.    Each person who is a Director of the Company and not actively
            employed by the Company or Bank, who has never received Options as a
            result of being a Director, shall receive Options for 2,000 shares
            of Stock; however, if the Company's CEO, determined as of the
            Effective Date, becomes eligible under this subsection (b)(l), he
            shall receive Options for 500 shares of Stock;

      2.    Each person who is a Director of the Company has previously received
            Options as a result of being a Director, and is not actively
            employed by the Company or the Bank shall receive Options for 1,000
            shares of Stock;

      3.    Each person who is a Director of one or more Banks, and is not a
            Director of the Company or actively employed by the Company or Bank,
            who has never received Options as a result of being a Director shall
            receive Options for 2,000 shares of Stock;

      4.    Each person who is a Director of one or more Banks has previously
            received Options as a result of being a Director, and is not a
            Director of the Company or actively employed by the Company or Bank
            shall receive Options for 1,000 shares of Stock;
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      5.    Such other individuals as are designated by the Committee shall be
            eligible to receive Options for the number of shares of Stock as
            determined by the Committee.

(c)   Stock Available for Options. Subject to adjustments pursuant to the
      provisions of Section 9.3 hereof, the aggregate number of shares with
      respect to which Options may be granted during the term of the Plan shall
      not exceed 500,000 shares of Company Stock as determined as of the
      Effective Date. Shares with respect to which Options may be granted may be
      either authorized and unissued shares or shares issued and thereafter
      acquired by the Company.

Section 5.2 Options Under the Plan. Shares of Stock with respect to which an
Option granted hereunder shall have been exercised shall not again be available
for grant hereunder. If Options granted hereunder shall expire, terminate, or be
canceled for any reason without being wholly exercised, new Options may be
granted hereunder covering the number of shares to which such Option expiration,
termination or cancellation related.

                                   ARTICLE VI
                                     OPTIONS

Section 6.1 Option Grant and Agreement. Each Option granted hereunder shall be
evidenced by minutes of a meeting or the written consent of at least a majority
of the members of the Committee and by a written Stock Option Agreement dated as
of the date of grant and executed by the Company and the Optionee. The Stock
Option Agreement shall set forth such terms and conditions as may be determined
by the Committee consistent with the Plan.

Section 6.2 Option Price. The exercise price of the Stock subject to each Option
shall not be less than the Fair Market Value of the Stock on the date the Option
was granted.

Section 6.3 Option Grant and Exercise Periods. No Option may be granted after
the tenth anniversary of the Effective Date. The period for exercise of each
Option shall be determined by the Committee, but in no instance shall such
period extend beyond the tenth anniversary of the date of grant of the Option.
The period of exercise for each Incentive Stock Option granted to an Optionee,
who owns Stock possessing more than 10% of the total combined voting power of
all classes of Stock of the Company, may not be more than five (5) years from
the date of grant of the Option.

Section 6.4  Option Exercise.

(a)   The Company shall not be required to sell or issue shares under any Option
      if the issuance of such shares shall constitute or result in a violation
      by the Optionee or the Company of any provisions of any law, statute, or
      regulation of any governmental authority. Specifically, in connection with
      the Securities Act of 1933, (the "Act"), upon exercise of any Option, the
      Company shall not be required to issue such shares unless the Committee
      has received evidence satisfactory to it to the effect that registration
      under the Act or applicable state securities laws is not required, unless
      the offer and sale of securities under the Plan is registered or qualified
      under the Act or applicable state laws. Any determination in this
      connection by the Committee shall be final, binding and conclusive. If
      shares are issued under any Option without registration under the Act or
      applicable state securities laws, the Optionee may be required to accept
      the shares subject to such restrictions in transferability as may, in the
      reasonable judgment of the Committee, be required to comply with
      exemptions from registration under such laws. The Company may, but shall
      in no event be obligated to, register any securities covered hereby
      pursuant to the Act or applicable state securities laws. The Company shall
      not be obligated to take any other affirmative action in order to cause
      the exercise of an Option or the issuance of shares pursuant thereto to
      comply with any law or regulation of any governmental authority.

(b)   Subject to Section 6.4(c), and such terms and conditions as may be
      determined by the Committee in its sole discretion upon the grant of an
      Option, an Option may be exercised in whole or in part and from time to
      time by delivering to the Company at its principal office written notice
      of the intent to exercise the Option with respect to a specified number of
      shares. In the case of an Incentive Stock Option, the aggregate fair
<PAGE>
      market value of the shares (under all plans of the Company), with respect
      to which such options are exercisable for the first time by an Optionee
      during any calendar year, may not exceed $100,000. The aggregate fair
      market value of the shares is determined on the date of grant.

(c)   An Option shall be exercisable according to the following vesting
      schedule:

            20% after one year from the date of grant;
            40% after two years from the date of grant;
            60% after three years from the date of grant;
            80% after four years from the date of grant;
            100% after five years from the date of grant.

      Provided, however, that upon the earlier of (i) the Optionee's 62nd birth
      date, (ii) the occurrence of an Applicable Event, (iii) the death of the
      Optionee, or (iv) total disability, all Options granted to the Optionee
      shall be fully exercisable in accordance with the terms of the Plan. For
      purposes of this Plan, an Optionee is totally disabled if he is receiving
      disability benefits under the Social Security Act as the result of a total
      and permanent disability, or is determined to be totally disabled under
      any long-term disability plan sponsored by the Bank or the Company.

      If the number of shares subject to Options granted to an Optionee during a
      Plan Year ever exceeds 5,000 shares, then the vesting schedule can be
      determined at the discretion of the Committee, but in no event would the
      vesting schedule exceed ten years from the date of the grant.

      At the discretion of the Committee, all or a portion of the Options
      previously granted to an Optionee can be amended to reduce the vesting
      schedule or immediately 100% vest such Options.

(d)   Subject to such terms and conditions as may be determined by the Committee
      in its sole discretion upon grant of any Options, payment for the shares
      to be acquired pursuant to exercise of the Options shall be made as
      follows:

      1.    By delivering to the Company at its principal office a check payable
            to the order of the Company, in the amount of the Option price for
            the number of shares of Stock with respect to which the Option is
            then being exercised; or

      2.    By delivering to the Company at its principal office certificates
            representing Stock, duly endorsed for transfer to the Company,
            having an aggregate Fair Market Value as of the date of exercise
            equal to the amount of the Option price, for the number of shares of
            Stock with respect to which the Option is then being exercised; or

      3.    By any combination of payments delivered pursuant to paragraphs
            (d)(l) and (d)(2) above.

Section 6.5 Rights as Shareholder. An Optionee shall have no rights as a
Shareholder with respect to any shares subject to such Options prior to the
exercise of the Options and the purchase of such shares.

Section 6.6 Limited Rights. Within the earlier of (i) the occurrence of an
Applicable Event, or (ii) 30 days following the date on which the Company
obtains knowledge of and notifies an Optionee of an Applicable Event, an
Optionee shall have the right (without regard to the limitation on the exercise
of Options set forth in Section 6.4(c) of the Plan and similar limitations in
the Stock Option Agreement) to exercise Options and Stock Appreciation Rights
then held, or to surrender unexercised Options in exchange for a cash amount.
Such cash amount shall be equal to the total appreciation from any exercise of
Stock Appreciation Rights, plus the product of (1) the number of shares of Stock
subject to the Option, or the portion thereof which is surrendered, multiplied
by (2) the amount by which the highest price paid or to be paid per share,
pursuant to an Applicable Event, exceeds the exercise price.

                                   ARTICLE VII
                            STOCK APPRECIATION RIGHTS
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Section 7.1 Stock Appreciation Rights. The Board of Directors may, upon
recommendation of the Committee, grant Stock Appreciation Rights to Optionees at
the same time as such Optionees are awarded Options under the Plan. Such Stock
Appreciation Rights shall be evidenced by an agreement in such form as the
Committee shall from time to time approve. Such agreement, shall comply with,
and be subject to, the following terms and conditions:

(a)   Grant. Each Stock Appreciation Right shall relate to a specific Option
      under the Plan and shall be awarded to an Optionee concurrently with the
      grant of such Option. The number of Stock Appreciation Rights granted to
      an Optionee shall be equal to a proportion of the number of shares that
      the Optionee is entitled to receive pursuant to the Plan.

(b)   Grant of Parallel Award. In that each Stock Appreciation Right is parallel
      to an Option, the exercise of all or a portion of the Options shall cause
      an equal exercise of the same proportion of Stock Appreciation Rights
      granted under the Plan. A Stock Appreciation Right can only be exercised
      in conjunction with the exercise of the parallel Option.

(c)   Calculation of Appreciation. Each Stock Appreciation Right shall entitle
      an Optionee to the excess of the fair market value of a share of Stock on
      the exercise date over the fair market value of a share of Stock on the
      date the Stock Appreciation Right was granted. The total appreciation
      available to an Optionee from any exercise of Stock Appreciation Rights
      shall be equal to the number of Stock Appreciation Rights being exercised
      times the amount of appreciation per Stock Appreciation Right.

(d)   Payment of Appreciation. The total appreciation available to an Optionee
      from an exercise of Stock Appreciation Rights shall be paid in cash.

(e)   Exercise Limitations. An Optionee may exercise a Stock Appreciation Right
      only in conjunction with the exercise of the Option to which the Stock
      Appreciation Right is attached. Stock Appreciation Rights may be exercised
      only at such times and by such persons as may exercise Options under the
      Plan.

                                  ARTICLE VIII
               TERMINATION, AMENDMENT AND MODIFICATION OF THE PLAN

Section 8.1 Termination. The Plan shall expire with respect to the granting of
Stock Options or Stock Appreciation Rights at the close of business on February
28, 2007. The Board of Directors of the Company may at any time and from time to
time and in any respect amend, modify or terminate the Plan; provided, however,
that absent the approval of shareholders representing a majority of the voting
shares of Stock of the Company, no such action may:

(a)   increase the total number shares of Stock or Stock Appreciation Rights
      subject to the Plan, except as contemplated in Section 9.4 hereof; or

(b)   withdraw the administration of the Plan from the Committee; or

(c)   change the terms by which an Option or Stock Appreciation Right may be
      exercised, in whole or in part, as described in Section 6.4 of the Plan;
      or

(d)   change the limitation on the price at which Options or Stock Appreciation
      Rights may be granted hereunder as provided by Section 6.2; or

(e)   affect any Stock Option Agreement or Stock Appreciation Right Agreement
      previously executed pursuant to the Plan without the consent of the
      Optionee.

                                   ARTICLE IX
                                  MISCELLANEOUS

Section 9.1 Transferability. During the Optionee's lifetime, any Option or Stock
Appreciation Right may be exercised only by the Optionee or any guardian or
legal representative of the Optionee, and the Option shall not be
<PAGE>
transferable except, with respect to both Nonqualified Stock Options and
Incentive Stock Options, in the case of the death of the Optionee, by will or
the laws of descent and distribution, and with respect to Nonqualified Stock
Options; (i) as specifically permitted by and solely to the extent permitted in
the Stock Option Agreement, or (ii) to an immediate family member, a partnership
consisting solely of immediate family members, or trusts for the benefit of
immediate family members.

Section 9.2 Designation of Beneficiary. An Optionee may file a written
designation of a beneficiary who is to receive any Stock and/or cash. Such
designation of beneficiary may be changed by the Optionee at any time by written
notice to the Treasurer of the Company. Upon the death of an Optionee and upon
receipt by the Company of proof of identity and the existence at the time of the
Optionee's death of a beneficiary validly designated by the Optionee under the
Plan, the Company shall deliver such Stock and/or cash to such beneficiary. In
the event of the death of an Optionee and in the absence of a beneficiary
validly designated under the Plan who is living at the time of such Optionee's
death, the Company shall deliver such Stock and/or cash to the executor or the
administrator of the estate of the Optionee, or if no such executor or
administrator has been appointed (to the knowledge of the Company), the Company,
in its discretion, may deliver such Stock and/or cash to the spouse or to any
one or more dependents of the Optionee as the Company may designate. No
beneficiary shall, prior to the death of the Optionee by whom he has been
designated, acquire any interest in the Stock or cash credited to the Optionee
under the Plan.

Section 9.3  Effect of Termination of Employment or Death.

(a)   If an Optionee's status as a Director or as an employee of the Company or
      the Bank terminates for any reason, other than the death, disability or
      termination of service after attainment of age 65, before the date of
      expiration of Nonqualified Stock Options and Stock Appreciation Rights
      held by such Optionee, such Nonqualified Stock Options and Stock
      Appreciation Rights shall become null and void on the 90th day following
      the date of such termination. An Optionee who terminates employment with
      the Company or the Bank, but retains his status as a Director is not
      considered terminated for purposes of this Section 9.3. The date of such
      termination shall be the date the Optionee ceases to be a Director or an
      employee of the Company or the Bank.

(b)   If an Optionee dies before the expiration of Nonqualified Stock Options
      and Stock Appreciation Rights held by the Optionee, such Nonqualified
      Stock Options and Stock Appreciation Rights shall terminate on the earlier
      of (i) the date of expiration of the Nonqualified Stock Options and Stock
      Appreciation Rights, or (ii) one year following the date of the Optionee's
      death. The executor or administrator or personal representative of the
      estate of a deceased Optionee, or the person or persons to whom
      Nonqualified Stock Options and Stock Appreciation Rights granted hereunder
      shall have been validly transferred by the executor or the administrator
      or the personal representative of the Optionee's estate, shall have the
      right to exercise the Optionee's Nonqualified Stock Options and Stock
      Appreciation Rights. To the extent that such Nonqualified Stock Options
      and Stock Appreciation Rights would otherwise be exercisable under the
      terms of the Plan and the Optionee's Stock Option Agreement and Stock
      Appreciation Rights Agreement, such exercise may occur at any time prior
      to the termination date specified in this paragraph.

(c)   If an Optionee separates from service after attainment of age 65, before
      the expiration of Nonqualified Stock Options and Stock Appreciation Rights
      held by the Optionee, such Nonqualified Stock Options and Stock
      Appreciation Rights shall terminate on the earlier of (i) the date of
      expiration of the Nonqualified Stock Options and Stock Appreciation
      Rights, or (ii) three years following the date of the Optionee's
      termination of service.

(d)   If an Optionee becomes totally disabled before the expiration of
      Nonqualified Stock Options and Stock Appreciation Rights held by the
      Optionee, such Nonqualified Stock Options and Stock Appreciation Rights
      shall terminate on the earlier of (i) the date of expiration of the
      Nonqualified Stock Options and Stock Appreciation Rights, or (ii) one year
      following the date of the Optionee's termination of service due to
      disability.

(e)   In the case of Incentive Stock Options, if an Optionee's status as an
      employee of the Company or the Bank terminates for any reason, other than
      disability, before the date of expiration of Incentive Stock Options
<PAGE>
      held by such Optionee, such Incentive Stock Options shall become null and
      void on the date three months following the date of such termination. For
      an Optionee who terminates employment with the Company due to disability,
      as defined in the Internal Revenue Code Section 22(c)(3), the three-month
      period specified in the prior sentence shall become one year.

Section 9.4 Antidilution. The provisions of subsections (a) and (b) shall apply
in the event that the outstanding shares of Stock are changed into or exchanged
for a different number or kind of shares or other securities of the Company or
another entity by reason of any merger, consolidation, reorganization,
recapitalization, reclassification, combination, stock split or stock dividend.

(a)   The aggregate number and kind of shares subject to Options and Stock
      Appreciation Rights which may granted hereunder shall be adjusted
      appropriately.

(b)   Where dissolution or liquidation of the Company or any merger or
      combination in which the Company is not the surviving company is involved,
      each outstanding Option and Stock Appreciation Right granted hereunder
      shall, subject to Section 6.6, terminate.

The foregoing adjustments and the manner of application of the foregoing
provisions shall be determined solely by the Committee and any such adjustments
may provide for the elimination of fractional share interests.

Section 9.5 Application of Funds. The proceeds received by the Company from the
sale of Stock pursuant to Options shall be used for general corporate purposes.

Section 9.6 Tenure. Nothing in the Plan or in any Options or Stock Appreciation
Rights granted hereunder, or in any Stock Option Agreements or Stock
Appreciation Rights Agreements relating thereto, shall confer upon any Director,
or upon any officer or any employee, the right to continue in such position with
the Company or the Bank.

Section 9.7 Other Compensation Plans. The adoption of the Plan shall not affect
any other stock option or incentive or other compensation plans in effect for
the Company or the Bank, nor shall the Plan preclude the Company or the Bank
from establishing any other forms of incentive or other compensation for
Directors, officers, or employees of the Company or the Bank.

Section 9.8 No Obligation to Exercise Options. The granting of an Option or
Stock Appreciation Right shall impose no obligation upon the Optionee to
exercise such Option or Stock Appreciation Right.

Section 9.9 Plan Binding on Successors. The Plan shall be binding upon the
successors and assigns of the Company.

Section 9.10 Singular, Plural Gender. Whenever used herein, nouns in the
singular shall include the plural, and the masculine pronoun shall include the
feminine.

Section 9.11 Headings, Etc., No Part of Plan. Headings of Articles and Sections
hereof are inserted for convenience of reference; they constitute no part of the
Plan.

Section 9.12 Governing Law. Except as otherwise required by law, the validity,
construction and administration of this Plan shall be determined under the laws
of the State of Ohio.

Section 9.13 Tax Withholding. The Company shall have the right to deduct from
any settlement made under this Plan, including the delivery or vesting of Common
Shares, any federal, state or local taxes of any kind required by law to be
withheld with respect to such payments or to take such other action as may be
necessary in the opinion of the Company to satisfy all obligations for the
payment of such taxes. If Common Shares are used to satisfy tax withholding,
such shares shall be valued based on the Fair Market Value when the tax
withholding is required to be made.<PAGE>
                                                                   Exhibit 4.4

                        1997 OMNIBUS STOCK INCENTIVE PLAN
                                       FOR
                              BANCFIRST OHIO CORP.

1.    PURPOSE.

      This Plan is intended to provide selected key employees rendering services
to BancFirst Ohio Corporation (collectively the "Participants" and the
"Corporation." respectively) an opportunity to acquire an equity interest in the
Corporation. The Corporation intends to use the Plan to link the long-term
interests of shareholders of the Corporation and Plan Participants, attract and
retain Participants' services, motivate Participants to increase the
Corporation's value, and create flexibility in compensating Participants.

      The Plan allows the Corporation to reward Participants with (i) incentive
stock options and/or non-qualified stock options to purchase shares of common
stock of the Corporation, (ii) stock appreciation rights with respect to shares
of common stock of the Corporation, (iii) shares of common stock of the
Corporation, (iv) performance share awards which are designated as a specified
number of shares of common stock of the Corporation and earned based on
performance, and (v) performance unit awards which are designated as having a
certain value per unit and earned based on performance (individually an "Award"
and collectively the "Awards").

      The Corporation has reserved a specified number of shares of common stock
of the Corporation for purposes of the Plan.

2.    DEFINITIONS.

      (a) "Award" shall mean any award granted under the Plan.

      (b) "Award Agreement" shall mean, with respect to each Award, the signed
written agreement between the Corporation and the Participant receiving the
Award setting forth the terms and conditions of the Award.

      (c) "Board" shall mean the Board of Directors of the Corporation.

      (d) "Change-in-Control" shall mean the first to occur of the following
events occurring on or following the Effective Date of the Plan:

            (i) Any person (other than those persons in control of the
Corporation on the Effective Date of the Plan, a trustee or other fiduciary
holding securities under an employee benefit plan of the Corporation, or a
corporation owned directly or indirectly by the stockholders of the Corporation
in substantially the same proportions as their ownership of stock of the
Corporation) becomes the beneficial owner, directly or indirectly, of securities
of the Corporation representing twenty-five percent (25%) or more of the
combined voting power of the Corporation's then outstanding securities; or

            (ii) During any period of two (2) consecutive years (not including
any period prior to the Effective Date of the Plan), individuals who at the
beginning of such period constitute the Board (and any new Director whose
election by the Corporation's stockholders was approved by a vote of at least
two-thirds (2/3) of the Directors then still in office who either were Directors
at the beginning of the period or whose election or nomination for election was
so approved) cease for any reason to constitute a majority thereof; or

            (iii) The stockholders of the Corporation approve (A) a plan of
complete liquidation of the Corporation, (B) an agreement for the sale or
disposition of all or substantially all the Corporation's assets, or (C) a
merger, consolidation, or reorganization of the Corporation with or involving
any other entity, other than a merger, consolidation, or reorganization that
would result in the voting securities of the Corporation outstanding immediately
prior thereto continuing to represent (either by remaining outstanding or by
being converted into voting securities of the surviving entity) at least fifty
percent (50%) of the combined voting power of the securities of the Corporation
(or such surviving entity) outstanding immediately after such merger,
consolidation, or reorganization.
<PAGE>
      However, in no event shall a Change-in-Control be deemed to have occurred,
with respect to a Participant, if the Participant is part of a purchasing group
which consummates the Change-in-Control transaction. The Participant shall be
deemed "part of a purchasing group" for purposes of the preceding sentence if
the Participant is an equity participant in the purchasing group (except for (i)
passive ownership of less than three percent (3%) of the stock of the purchasing
group, or (ii) ownership of equity participation in the purchasing group which
is otherwise not significant, as determined prior to the Change-in-Control by
the Committee).

      (e) "Code" shall mean the Internal Revenue Code of 1986, as amended.

      (f) "Committee" shall mean the committee appointed by the Board in
accordance with Section 4 to administer the Plan, unless the Board, itself,
administers the Plan.

      (g) "Common Stock" shall mean the voting common stock of the Corporation,
as constituted on the Effective Date of the Plan, or any shares or securities
into which the Common Stock may be changed, reclassified, subdivided,
consolidated or converted thereafter.

      (h) "Compensation Committee" shall mean the compensation committee of the
Board.

      (i) "Corporation" shall mean BancFirst Ohio Corporation, a corporation
organized under the laws of Ohio, and any successor or continuing corporation
resulting from the amalgamation of the Corporation and any other corporation or
resulting from any other form of corporate reorganization of the Corporation.

      (j) "Director" shall mean a member of the Board.

      (k) "Effective Date" shall mean the date described in Section 3.

      (l) "Employee" shall mean any individual, including an officer, who is a
common law employee of the Corporation or a Subsidiary.

      (m) "Exchange Act" shall mean the Securities Exchange Act of 1934, as
amended.

      (n) "Exercise Price" shall mean:

            (i) With respect to an Option, the price per Share at which the
Option may be exercised, as determined by the Committee and as specified in the
Participant's Award Agreement; or

            (ii) With respect to a Stock Appreciation Right, the price per Share
which is the base price for determining the future value of the Stock
Appreciation Right, as determined by the Committee and as specified in the
Participant's Award Agreement.

      (o) "Fair Market Value" shall mean the value of one Share determined as of
any specified date and shall be equal to the average closing price of the Common
Stock (on the principal exchange on which Shares are traded) for the period of
three (3) consecutive business days preceding the date as of which such
determination is to be made.

      (p) "For Cause" shall mean the termination of a Participant's status with
the Corporation as an Employee for any of the following reasons, as determined
by the Committee:

            (i) The Participant commits a material breach of any employment or
similar agreement with the Corporation, as determined under such agreement;

            (ii) The Participant is convicted of or pleads guilty to a felony or
a crime involving moral turpitude, provided such felony or crime has a material
detrimental impact on the Corporation's (or an affiliate's) business and/or
prevents or materially impairs the Participant's effective performance of the
Participant's principal duties under any employment or similar agreement with
the Corporation; or
<PAGE>
            (iii) The Employee willfully fails or habitually neglects to perform
the Employee's principal duties under any employment or similar agreement with
the Corporation or performs such duties other than in good faith and the
Employee fails to timely correct such performance or take meaningful action(s)
to correct such performance.

      (q) "Incentive Stock Option" shall mean an Option of the type which is
described in Section 422(b) of the Code.

      (r) "Non-qualified Stock Option" shall mean an Option which is not of the
type described in Section 422(b) or 423(b) of the Code.

      (s) "Option" shall mean any Option which is granted pursuant to the Plan
to purchase one or more Shares of Common Stock, whether granted as an Incentive
Stock Option or as a Non-qualified Stock Option.

      (t) "Participant" shall mean any individual to whom an Award has been
granted under the Plan, and such term shall include, where appropriate, the duly
appointed conservator or other legal representative of a mentally incompetent
Participant and the allowable transferee of a deceased Participant, as provided
in the Plan.

      (u) "Performance Share" shall mean an Award designated as a specified
number of Shares which may, in whole or in part, be earned by and paid to a
Participant at the end of a performance period based on performance during that
period in achieving the performance objectives specified in the Participant's
Award Agreement. A Performance Share may be settled in cash or Shares, as
provided in the Participant's Award Agreement.

      (v) "Performance Unit" shall mean an Award designated as a specified
dollar value which may, in whole or in part, be earned by and paid to the
Participant at the end of a performance period based on performance during that
period in achieving the performance objectives specified in the Participant's
Award Agreement. A Performance Unit may be settled in cash or Shares, as
provided in the Participant's Award Agreement.

      (w) "Plan" shall mean this BancFirst Ohio Corporation 1997 Omnibus Stock
Incentive Plan, as amended.

      (x) "Pyramiding" shall mean a Participant's payment, in whole or in part,
of the Exercise Price of an Option made by exchanging a Share(s) that the
Participant had acquired pursuant to the exercise of another Option during the
preceding six (6) months (under this Plan or any other plan or program of the
Corporation) or had otherwise acquired from the Corporation during the preceding
six (6) months without paying full consideration for such Share(s).

      (y) "Reload" shall mean the grant of new Options to a Participant who pays
all or a portion of the Exercise Price of an Option with previously acquired
Shares, with the number of new Options being equal to the number of Shares the
Participant submits to the Corporation.

      (z) "Restricted Stock" shall mean a Share(s) of Common Stock issued to a
Participant which at issuance is either Vested or not Vested until the
conditions specified in the Participant's Award Agreement are met.

      (aa) "Share" shall mean one authorized share of Common Stock.

      (bb) "Stock Appreciation Right" or "SAR" shall mean a right issued to a
Participant to receive all or any portion of the future appreciation in the Fair
Market Value of one Share over the Exercise Price of such Right. A Stock
Appreciation Right may be settled in cash or Shares, as provided in the
Participant's Award Agreement.

      (cc) "Subsidiary" shall mean any corporation (other than the Corporation)
in an unbroken chain of corporations beginning with the Corporation if, at the
time of granting an Award, each of the corporations (other than the last
corporation in the unbroken chain) owns stock possessing 80% or more of the
voting power in one of the other corporations in such chain.

      (dd) "Tandem Option/Stock Appreciation Right" shall mean an Option to
purchase a specified number of Share(s) and a Stock Appreciation Right granted
with respect to a specified number of Share(s) which are granted
<PAGE>
together and designated as a "Tandem Option/SAR" in the Participant's Award
Agreement, whereby the exercise of either the Option or the SAR cancels the
other granted in tandem with it.

      (ee) "Ten Percent Stockholder" shall mean, for purposes of granting
Incentive Stock Options, any person who owns stock of the Corporation or a
Subsidiary possessing more than 10% of the combined voting power of all classes
of outstanding stock of the Corporation or a Subsidiary. For purposes of
determining whether a person is a Ten Percent Stockholder:

            (i) A person shall be considered the owner of stock that is owned,
directly or indirectly, by or for his or her brothers or sisters, spouse,
ancestors, and lineal descendants;

            (ii) Stock owned, directly or indirectly, by or for a corporation,
partnership, estate or trust shall be considered as being owned proportionally
by or for its shareholders, partners or beneficiaries, respectively; and

            (iii) The term "outstanding stock" shall include all shares of stock
actually issued and outstanding, but shall not include any shares of stock
subject to stock options.

      (ff) "Total and Permanent Disability" shall mean with respect to a
Participant:

            (i) The mental or physical disability, either occupational or
non-occupational in cause, which satisfies the definition of "total disability"
in the principal disability policy or plan provided by the Corporation covering
the Participant;

            (ii) If no such policy is then in effect, the Committee may, based
on such medical evidence that the Committee deems sufficient, determine that the
Participant is "totally and permanently disabled" for this purpose as a result
of a physical or mental condition which prevents the Participant from
substantially performing the Participant's principal duties for the Corporation
either indefinitely or for a period exceeding six (6) months.

            (iii) With regard to an Incentive Stock Option(s) for purposes of
Section 8(g)(ii), such term shall have the meaning provided in Section 22(e)(3)
of the Code.

      (gg) "Vest" or "Vesting" shall mean the date, event or act prior to which
an Award, in whole or in part, is not exercisable, and as a consequence of which
the Award, in whole or in part, becomes exercisable for the first time.

      (hh) "Voting Power" shall mean the total combined rights to cast votes at
and election for members of the Board.

3.    EFFECTIVE DATE.

The Plan was adopted by the Corporation effective June 30, 1997, subject to the
approval of the Corporation's shareholders in accordance with Section 18.

4.    ADMINISTRATION.

      (a)   Administration by the Board or the Committee.

The Plan shall be administered by the Compensation Committee, provided all
members of the Compensation Committee satisfy the criteria set forth in Section
4(b)(i). If any member of the Compensation Committee does not satisfy all such
criteria, the Plan shall be administered by either a special Committee appointed
by the Board, consisting solely of persons who satisfy all such criteria, or the
Board, itself.

      (b)   The Committee.
<PAGE>
            (i) The Committee described in Section 4(a) shall consist of not
less than two members, all of whom shall be a Director, a "non-employee
director" within the meaning of Rule 16b-3(b)(iii) promulgated by the Securities
Exchange Commission under the Exchange Act, and an "outside director" within the
meaning of Section 162(m)(4)(C)(i) of the Code and the regulations issued
thereunder.

            (ii) The Committee shall hold meetings at such times and places as
it may determine. For a Committee meeting, if the Committee has two members,
both members must be present to constitute a quorum, and if the Committee has
three or more members, a majority of the Committee shall constitute a quorum.
Acts by a majority of the members present at a meeting at which a quorum is
present and acts approved in writing by all the members of the Committee shall
constitute valid acts of the Committee.

            (iii) Members of the Committee may vote on any matters affecting the
administration of the Plan or the grant of any Award pursuant to the Plan,
subject to the remainder of this Section 4(b)(iii). No member shall act upon the
granting of an Award to himself or herself.

      (c)   Powers of the Committee.

On behalf of the Corporation and subject to the provisions of the Plan and Rule
16b-3 of the Exchange Act, the Committee shall have the authority and complete
discretion to:

            (i) Prescribe, amend and rescind rules and regulations relating to
the Plan;

            (ii) Select Participants to receive Awards;

            (iii) Determine the form and terms of Awards;

            (iv) Determine the number of Shares or other consideration subject
to Awards;

            (v) Determine whether Awards will be granted singly, in combination
or in tandem with, in replacement of, or as alternatives to, other Awards under
the Plan or any other incentive or compensation plan of the Corporation;

            (vi) Construe and interpret the Plan, any Award Agreement and any
other agreement or document executed pursuant to the Plan;

            (vii) Correct any defect or omission, or reconcile any inconsistency
in the Plan, any Award or any Award Agreement;

            (viii) Determine whether an Award has been earned and/or Vested;

            (ix) Determine whether a Participant has incurred a Total and
Permanent Disability;

            (x) Accelerate or, with the consent of the Participant, defer the
Vesting of any Award and/or the exercise date of any Award;

            (xi) Determine whether a Participant's status with the Corporation
has been terminated For Cause;

            (xii) Authorize any person to execute on behalf of the Corporation
any instrument required to effectuate the grant of an Award;

            (xiii) With the consent of the Participant, reprice, cancel and
reissue, or otherwise adjust the terms of an Award previously issued to the
Participant;

            (xiv) Determine when an Employee's period of employment is deemed to
be continued during an approved leave of absence;
<PAGE>
            (xv) Determine, upon review of relevant information, the Fair Market
Value of the Common Stock; and

            (xvi) Make all other determinations deemed necessary or advisable
for the administration of the Plan.

      (d)   Committee's Interpretation of the Plan.

The Committee's interpretation and construction of any provision of the Plan, of
any Award granted under the Plan, or of any Award Agreement shall be final and
binding on all persons claiming an interest in an Award granted or issued under
the Plan. Neither the Committee, a member of the Committee nor any Director
shall be liable for any action or determination made in good faith with respect
to the Plan. The Corporation, in accordance with its bylaws, shall indemnify and
defend such parties to the fullest extent provided by law and such bylaws.

5.    PARTICIPATION.

      (a) Eligibility for Participation. Subject to the conditions of Section
5(b), all Employees rendering services to the Corporation and/or any Subsidiary
are eligible to be selected as Participants by the Committee. The Committee's
determination of an individual's eligibility for participation shall be final.

      (b) Eligibility for Awards. The Committee has the authority to grant
Award(s) to Participants. A Participant may be granted more than one Award under
the Plan.

6.    SHARES OF STOCK OF THE CORPORATION.

      (a)   Shares Subject to The Plan.

Awards granted under the Plan shall be with respect to four hundred thousand
(400,000) authorized but unissued or reacquired Shares of the Common Stock. The
aggregate number of Shares with respect to which Options and/or Stock
Appreciation Rights may be granted to a Participant during any twelve (12) month
period shall not exceed fifty thousand (50,000) Shares, subject to adjustment
under Section 13.

      (b)   Allocation of Shares Which May Be Granted as Restricted Shares.

Of the Shares authorized under Section 6(a), only ____________ (_____) Shares
may be issued as Restricted Shares.

      (c)   Adjustment of Shares.

In the event of an adjustment described in Section 13, then (i) the number of
Shares reserved for issuance under the Plan, (ii) the Exercise Prices of and
number of Shares subject to outstanding Options, (iii) the Exercise Price of and
number of Shares with respect to which there are outstanding Stock Appreciation
Rights, and (iv) any other factor pertaining to outstanding Awards shall be duly
and proportionately adjusted, subject to any required action by the Board or the
shareholders of the Corporation and compliance with applicable securities laws;
provided, however, that fractions of a Share shall not be issued but shall
either be paid in cash at Fair Market Value or shall be rounded up to the
nearest Share, as determined by the Committee.

      (d)   Awards Not to Exceed Shares Available.

The number of Shares subject to Awards which have been granted under the Plan at
any time during the Plan's term shall not, in the aggregate at any time, exceed
the number of Shares authorized for issuance under the Plan. The number of
Shares subject to an Award that is settled in cash rather than in Shares shall
count as Shares issued under the Plan and shall not again be available for grant
or issuance under the Plan. The number of Shares subject to an Award which
expires, is canceled, is forfeited or is terminated for any reason shall again
be available for issuance under the Plan.
<PAGE>
7.    GENERAL TERMS AND CONDITIONS OF AWARDS.

      (a)   Award Agreements.

Each Award shall be evidenced by a written Award Agreement which shall set forth
the terms and conditions pertaining to such Award, provided that all such terms
shall be subject to and consistent with the Plan. Each Award Agreement shall
specify the manner and procedure for exercising an Award, if relevant for the
Award, and specify the effective date of such exercise.

      (b)   Number of Shares Covered by an Award.

Each Award Agreement shall state the number of Shares subject to the Award,
subject to adjustment of such Shares pursuant to Section 13.

      (c)   Other Provisions.

An Award Agreement may contain such other provisions as the Committee in its
discretion deems advisable which are not inconsistent with the terms of the
Plan, including but not limited to:

            (i) Restrictions on the exercise of the Award;

            (ii) Submission by the Participant of such forms and documents as
the Committee may require; and/or

            (iii) Procedures to facilitate the payment of the Exercise Price of
an Option under any method allowable under Section 16.

      (d)   Vesting of Awards.

Each Award Agreement shall include a Vesting schedule describing the date, event
or act upon which an Award shall Vest, in whole or in part, with respect to all
or a specified portion of the Shares covered by such Award. The condition shall
not impose upon the Corporation any obligation to retain the Participant in its
employ for any period.

      (e)   Effect of Termination of Employment on Nonvested and Vested Awards.

            (i) For purposes of the Plan, a Participant's status as an Employee
shall be determined by the Committee and will be treated as continuing intact
while the Participant is on military leave, sick leave or other bona fide leave
of absence, as determined by the Committee.

            (ii) If a Participant ceases to be an Employee for any reason (A)
the Participant's Award(s) which are not Vested at the time that the Participant
ceases to be an Employee shall be forfeited, and (B) the Participant's Award(s)
which are Vested at the time the Participant ceases to be an Employee shall be
forfeited and/or expire on the terms specified in Sections 8 through 11, as
applicable.

      (f)   Nontransferability of Awards.

An Award granted to a Participant shall, during the lifetime of the Participant,
be exercisable only by the Participant and shall not be assignable or
transferable. In the event of the Participant's death, an Award is transferable
by the Participant only by will or the laws of descent and distribution. Any
attempted assignment, transfer or attachment by any creditor in violation of
this Section 7(f) shall be null and void.

      (g)   Modification, Extension or Renewal of Awards.
<PAGE>
Within the limitations of the Plan, the Committee may, in its discretion,
modify, extend or renew any outstanding Award or accept the cancellation of
outstanding Award(s) for the granting of a new Award(s) in substitution
therefore. Notwithstanding the preceding sentence, no modification of an Award
shall:

            (i) Without the consent of the Participant, alter or impair any
rights or obligations under any Award previously granted;

            (ii) Without the consent of the Participant, cause an Incentive
Stock Option previously granted to fail to satisfy all the conditions required
to qualify as an Incentive Stock Option; or

            (iii) Exceed or otherwise violate any limitation set forth in the
Plan.

      (h)   Rights as a Stockholder.

A Participant shall have no rights as a stockholder of the Corporation with
respect to any Shares subject to Award until the date a stock certificate for
such Shares is issued to the Participant. No adjustment shall be made for
dividends (ordinary or extraordinary or whether in currency, securities, or
other property), distributions, or other rights for which the record date is
prior to the date such stock certificate is issued.

8.    SPECIFIC TERMS AND CONDITIONS OF OPTIONS.

      (a)   Eligibility for Incentive Stock Options.

Incentive Stock Options granted to a Participant who is also a Ten Percent
Stockholder shall be subject to the following additional limitations: (i) the
Exercise Price of each Share subject to such Incentive Stock Option, when
granted, is equal to or exceeds 110% of the Fair Market Value of a Share, and
(ii) the term of the Incentive Stock Option does not exceed five (5) years.

      (b)   Exercise Price.

Each Award Agreement shall state the Exercise Price for the Shares to which the
Option pertains, provided that the Exercise Price of an Option (whether granted
as an Incentive Stock Option or a Nonqualified Stock Option) shall not be less
than 100% of the Fair Market Value of the Shares on the date the Option is
granted (substituting "110%" for "100%" for any Incentive Stock Option granted
to a Ten Percent Stockholder).

      (c)   Exercise of Options, Payment of Exercise Price, and Stock Settlement
            of Options.

            (i) A Participant may exercise an Option only on or after the date
on which the Option Vests and only on or before the date on which the term of
the Option expires.

            (ii) Subject to Section 8(c)(iii) below, a Participant exercising an
Option shall pay the Exercise Price for the Shares to which such exercise
pertains in full in cash (in U.S. dollars) as a condition of such exercise,
unless the Committee, in its discretion, allows the Participant to pay the
Exercise Price in a manner allowed under Section 16, so long as the sum of cash
so paid and such other consideration equals the Exercise Price. The Committee
may, in its discretion, permit the sequential exercise of an Option through
Pyramiding and/or permit the grant of Reload Options.

            (iii) The Committee may, in its discretion, permit a Participant to
exercise an Option without paying the Exercise Price for the Shares to which
such exercise pertains, in which event the Option so exercised shall be settled
in a specific number of whole Shares having an aggregate Fair Market Value equal
to (A) the excess of the Fair Market Value, determined as of the date of
exercise, of one Share over the Exercise Price of such Option, multiplied by (B)
the number of Shares to which such exercise pertains.

      (d)   Term and Expiration of Options.
<PAGE>
Subject to Section 8(i), except as otherwise specifically provided in a
Participant's Award Agreement, the term of an Option shall expire on the first
to occur of the following events:

            (i) The twentieth (20th) anniversary of the date the Option was
granted (substituting "tenth anniversary" for "twentieth anniversary" for an
Incentive Stock Option granted to any Participant other than a Ten Percent
Stockholder for whom "fifth anniversary" shall be substituted for "twentieth
anniversary");

            (ii) The date determined under Section 8(e) for a Participant who
ceases to be an Employee by reason of voluntary termination or involuntary
termination by the Corporation For Cause;

            (iii) The date determined under Section 8(f) for a Participant who
ceases to be an Employee by reason of the Participant's death;

            (iv) The date determined under Section 8(g) for a Participant who
ceases to be an Employee by reason of the Participant's Total and Permanent
Disability;

            (v) The date determined under Section 8(h) for a Participant who
ceases to be an Employee by reason of involuntary termination by the Corporation
not For Cause;

            (vi) On the effective date of a transaction described in Section
13(b); or

            (vii) The expiration date specified in the Award Agreement
pertaining to the Option.

      (e)   Voluntary Termination and Involuntary Termination For Cause.

      If a Participant ceases to be an Employee by resigning from the
Corporation or by being terminated by the Corporation For Cause, then the
Participant's Options which are Vested at the time the Participant ceases to be
an Employee shall expire immediately.

      (f)   Death of Participant.

If a Participant dies while an Employee, any Option granted to the Participant
may be exercised, to the extent it was Vested on the date of the Participant's
death or became Vested as a result of the Participant's death, at any time
within one (1) year after the Participant's death (but not beyond the date that
the term of the Option would earlier have expired pursuant to Section 8(d) had
the Participant's death not occurred).

      (g)   Total and Permanent Disability of Participant.

If a Participant ceases to be an Employee as a consequence of Total and
Permanent Disability, any Option granted to the Participant may be exercised, to
the extent it was Vested on the date that the Participant ceased to be an
Employee or became Vested as a result of Participant's Total and Permanent
Disability, at any time within (i) one (1) year after such date, or (ii) three
(3) months after such date with regard to any Incentive Stock Option held by a
Participant who has not incurred a Total and Permanent Disability within the
meaning of Section 2(gg)(iii) of the Plan (but not beyond the date that the term
of the Option would earlier have expired pursuant to 8(d) had the Participant's
Total and Permanent Disability not occurred).

      (h)   Involuntary Termination Not For Cause.

            (i) If a Participant ceases to be an Employee by being terminated by
the Corporation not For Cause, the Participant's Options which are Vested at the
time the Participant ceases to be an Employee may be exercised at any time
within three (3) months after such date (but not beyond the date that the term
of the Option would earlier have expired pursuant to 8(d)).

      (i)   No Disqualification of Incentive Stock Options.
<PAGE>
Notwithstanding any other provision of the Plan, the Plan shall not be
interpreted, amended or altered, nor shall any discretion or authority granted
under the Plan be exercised, so as to disqualify the Plan under Section 422 of
the Code or, without the consent of the Participant affected, disqualify any
Incentive Stock Option under Section 422 of the Code (except as provided in
Section 8(j)).

      (j)   Limitation on Incentive Stock Options.

The aggregate Fair Market Value (determined with respect to each Incentive Stock
Option as of the date of grant of such Incentive Stock Option) of all Shares
with respect to which a Participant's Incentive Stock Options become Vested
during any calendar year (under the Plan and under other incentive stock option
plans of the Corporation, if any) shall not exceed US$100,000. Any purported
Incentive Stock Options in excess of such limitation shall be recharacterized as
Non-qualified Stock Options.

9.    SPECIFIC TERMS AND CONDITIONS OF STOCK APPRECIATION RIGHTS.

      (a)   Exercise Price.

            (i) Each Stock Appreciation Right Award Agreement shall state the
number of Shares to which it pertains and the Exercise Price which is the basis
for determining future appreciation, subject to adjustment pursuant to Section
13.

            (ii) A Stock Appreciation Right shall be issued to and exercised by
a Participant without payment by the Participant of any consideration.

      (b)   Exercise and Settlement of Stock Appreciation Rights.

            (i) A Participant may exercise a Stock Appreciation Right only on or
after the date on which the Stock Appreciation Right Vests and only on or before
the date on which the Stock Appreciation Right expires.

            (ii) A Participant's properly exercised Stock Appreciation Right may
be settled in the form of cash (either in a lump sum payment or in
installments), whole Shares or a combination thereof, as the Award Agreement
prescribes.

      (c)   Term and Expiration of Stock Appreciation Rights.

Except as otherwise specifically provided in a Participant's Award Agreement,
the term of a Stock Appreciation Right shall expire on the first to occur of the
following events:

            (i) The twentieth (20th) anniversary of the date the Right was
granted;

            (ii) The date determined under Section 9(e) for a Participant who
ceases to be an Employee by reason of voluntary termination or involuntary
termination by the Corporation For Cause;

            (iii) The date determined under Section 9(f) for a Participant who
ceases to be an Employee by reason of the Participant's death;

            (iv) The date determined under Section 9(g) for a Participant who
ceases to be an Employee of the Corporation by reason of the Participant's Total
and Permanent Disability;

            (v) The date determined under Section 9(h) for a Participant who
ceases to be an Employee by reason of involuntary termination by the Corporation
not For Cause;

            (vi) On the effective date of a transaction described in Section
13(b); or
<PAGE>
            (vii) The expiration date specified in the Award Agreement
pertaining to the Stock Appreciation Right.

      (d)   Voluntary Termination and Involuntary Termination For Cause.

If a Participant ceases to be an Employee by resigning from the Corporation or
by being terminated by the Corporation For Cause, the Participant's Stock
Appreciation Rights which are Vested at the time the Participant ceases to be an
Employee shall expire immediately.

      (e)   Death of Participant.

If a Participant dies while an Employee, any Stock Appreciation Right granted to
the Participant may be exercised, to the extent it was Vested on the date of the
Participant's death or became Vested as a consequence of the Participant's
death, at any time within one (1) year after the Participant's death (but not
beyond the date that the term of the Stock Appreciation Right would earlier have
expired pursuant to Section 9(c) had the Participant's death not occurred).

      (f)   Total and Permanent Disability of Participant.

If a Participant ceases to be an Employee as a consequence of Total and
Permanent Disability, any Stock Appreciation Right granted to the Participant
may be exercised, to the extent it was Vested on the date that the Participant
ceased to be an Employee or became Vested as a consequence of the Participant's
Total and Permanent Disability, at any time within one (1) year after such date
(but not beyond the date that the term of the Stock Appreciation Right would
earlier have expired pursuant to 9(c) had the Participant's Total and Permanent
Disability not occurred).

      (g)   Involuntary Termination Not For Cause.

      If a Participant ceases to be an Employee by being terminated by the
Corporation not For Cause, the Participant's Stock Appreciation Rights which are
Vested at the time the Participant ceases to be an Employee may be exercised at
any time within three (3) months after such date (but not beyond the date that
the term of the Stock Appreciation Rights would earlier have expired pursuant to
9(c)).

10.   SPECIFIC TERMS AND CONDITIONS OF RESTRICTED STOCK.

      (a)   Purchase Price.

            (i) Each Award Agreement shall state the number of Shares to which
it pertains and the purchase price per Share that the Participant paid for such
Shares, subject to adjustment pursuant to Section 13.

            (ii) A Share of Restricted Stock may be issued to a Participant with
or without payment by the Participant of any consideration, unless the
Participant is required to pay a minimum purchase price for such Shares.

      (b)   Forfeiture of Restricted Stock.

If a Participant status as an Employee terminates for any reason, any Share of
Restricted Stock which was not Vested or did not become Vested as the result of
the Participant's termination shall be forfeited immediately.

      (c)   Legends.

Stock certificates evidencing Restricted Shares shall bear a restrictive legend
noting the forfeiture provisions attached to such Shares and such other
restrictive legends as are required or may be deemed advisable under the Plan or
the provisions of any applicable law.

      (d)   Exchange of Certificates.
<PAGE>
If, in the opinion of the Corporation and its counsel, any legend placed on a
stock certificate representing Restricted Shares issued pursuant to the Plan is
no longer required, the Participant or the holder of such certificate shall be
entitled to exchange such certificate for a certificate representing the same
number of Shares but lacking such legend.

11.   PERFORMANCE SHARES AND PERFORMANCE UNITS.

      (a)   Number of Shares Covered by a Performance Share Award.

Each Performance Share Award Agreement shall state the number of Shares to which
it pertains, subject to adjustment pursuant to Section 13.

      (b)   Value of a Performance Unit Award.

Each Performance Unit Award Agreement shall state the value of such Award (in
U.S. dollars).

      (c)   Purchase Price.

A Performance Share and a Performance Unit shall be issued to a Participant
without payment by the Participant of any consideration.

      (d)   Settlement of a Performance Share and a Performance Unit.

Following the end of the performance period applicable to a Performance Share or
a Performance Unit and the Committee's determination of the extent to which the
Award Vests, the Award shall be settled in the form of cash (either in a lump
sum payment or in installments), whole Shares or a combination thereof, as the
Award Agreement prescribes.

      (e)   Term and Expiration of Performance Shares and Performance Units.

Except as otherwise specifically provided in a Participant's Award Agreement,
the term of a Performance Share and Performance Unit shall expire on the first
to occur of the following events:

            (i) The date determined under Section 11(f) for a Participant who
ceases to be an Employee for any reason;

            (ii) On the effective date of a transaction described in Section
13(b); or

            (iii) The expiration date specified in the Award Agreement
pertaining to the Performance Share or the Performance Unit.

      (f)   Forfeiture of Performance Shares and Performance Units.

If a Participant status as an Employee terminates for any reason, any
Performance Share and Performance Unit which was not Vested or did not become
Vested as the result of the Participant's termination shall be forfeited
immediately.

12.   TERM OF PLAN.

Awards may be granted pursuant to the Plan through the period ending on June 30,
2002. All Awards which are outstanding on such date shall remain in effect until
they are exercised or expire by their terms. The Plan shall expire for all
purposes on June 30, 2022. The Board is authorized to extend the Plan for an
additional term at any time; however, no Incentive Stock Options may be granted
under the Plan on or after the tenth (10th) anniversary of the Effective Date of
the Plan, unless an extension is approved by the shareholders of the Corporation
within one (1) year of such extension.
<PAGE>
13.   RECAPITALIZATION, DISSOLUTION AND CHANGE OF CONTROL.

      (a)   Recapitalization.

Notwithstanding any other provision of the Plan to the contrary, but subject to
any required action by the stockholders of the Corporation and compliance with
any applicable securities laws, the Committee shall make any adjustments to the
class and/or number of Shares covered by the Plan, the number of Shares for
which each outstanding Award pertains, the Exercise Price of an Option, the
Exercise Price of a Stock Appreciation Right, and/or any other aspect of this
Plan to prevent the dilution or enlargement of the rights of Participants under
this Plan in connection with any increase or decrease in the number of issued
Shares resulting from the payment of a Common Stock dividend, stock split,
reverse stock split, recapitalization, combination, or reclassification or any
other event which results in an increase or decrease in the number of issued
Shares without receipt of adequate consideration by the Corporation (as
determined by the Committee).

      (b)   Dissolution, Merger, Consolidation, or Sale or Lease of Assets.

Upon a Change-in-Control of the Corporation described in Section 2(d)(iii), each
Award shall expire as of the effective date of such transaction, provided that
the Committee shall, to the extent possible considering the timing of the
transaction, give at least thirty (30) days' prior written notice of such event
to any Participant who shall then have the right to exercise his or her Vested
Awards (as an Award Agreement may provide) prior to the effective date of such
transaction, subject to earlier expiration pursuant to Sections 8 through 11, as
applicable. The preceding sentence shall not apply if the Change-in-Control of
the Corporation is described in Section 2(d)(iii)(C) and the surviving entity
agrees to assume outstanding Awards.

      (c)   Determination by the Committee.

All adjustments described in this Section 13 shall be made by the Committee and
shall be conclusive and binding on all persons.

      (d)   Limitation on Rights of Participants.

      Except as expressly provided in this Section 13, no Participant shall have
any rights by reason of any reorganization, dissolution, Change-in-Control,
merger or acquisition. Any issuance by the Corporation of Awards shall not
affect, and no adjustment by reason thereof shall be made with respect to, any
Awards previously issued under the Plan.

      (e)   No Limitation on Rights of Corporation.

The grant of an Award pursuant to the Plan shall not affect in any way the right
or power of the Corporation to make adjustments, reclassifications,
reorganizations, or changes of its capital or business structure, or to merge or
consolidate, or to dissolve, liquidate, sell or transfer all or any part of its
business or assets.

14.   SECURITIES LAW REQUIREMENTS.

      (a)   Legality of Issuance.

No Share shall be issued upon the exercise of any Award unless and until the
Committee has determined that:

            (i) The Corporation and the Participant have taken all actions
required to register the Shares under the Securities Act of 1933, as amended
(the "Act"), or to perfect an exemption from registration requirements of the
Act, or to determine that the registration requirements of the Act do not apply
to such exercise;

            (ii) Any applicable listing requirement of any stock exchange on
which the Share is listed has been satisfied; and
<PAGE>
            (iii) Any other applicable provision of state, federal or foreign
law has been satisfied.

      (b)   Restrictions on Transfer; Representations of Participant; Legends.

Regardless of whether the offering and sale of Shares under the Plan have been
registered under the Act or have been registered or qualified under the
securities laws of any state, the Corporation may impose restrictions upon the
sale, pledge or other transfer of such Shares (including the placement of
appropriate legends on stock certificates) if, in the judgment of the
Corporation and its counsel, such restrictions are necessary or desirable to
achieve compliance with the provisions of the Act, the securities laws of any
state, or any other law. If the offering and/or sale of Shares under the Plan is
not registered under the Act and the Corporation determines that the
registration requirements of the Act apply but an exemption is available which
requires an investment representation or other representation, the Participant
shall be required, as a condition to acquiring such Shares, to represent that
such Shares are being acquired for investment, and not with a view to the sale
or distribution thereof, except in compliance with the Act, and to make such
other representations as are deemed necessary or appropriate by the Corporation
and its counsel. Stock certificates evidencing Shares acquired pursuant to an
unregistered transaction to which the Act applies shall bear a restrictive
legend substantially in the following form and such other restrictive legends as
are required or deemed advisable under the Plan or the provisions of any
applicable law:

      THESE SECURITIES HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933
      ("ACT"). THEY MAY NOT BE TRANSFERRED, SOLD OR OFFERED FOR SALE UNLESS A
      REGISTRATION STATEMENT UNDER THE ACT IS IN EFFECT AS TO SUCH TRANSFER OR
      IN THE OPINION OF COUNSEL FOR THE ISSUER EITHER SUCH REGISTRATION IS
      UNNECESSARY IN ORDER FOR SUCH TRANSFER TO COMPLY WITH THE ACT OR THE
      REGISTRATION PROVISIONS OF THE ACT DO NOT APPLY TO SUCH PROPOSED TRANSFER.

Any determination by the Corporation and its counsel in connection with any of
the matters set forth in this Section 14 shall be conclusive and binding on all
persons.

      (c)   Registration or Qualification of Securities.

The Corporation may, but shall not be obligated to, register or qualify the
offering or sale of Shares under the Act or any other applicable law.

      (d)   Exchange of Certificates.

If, in the opinion of the Corporation and its counsel, any legend placed on a
stock certificate representing Shares issued pursuant to the Plan is no longer
required, the Participant or the holder of such certificate shall be entitled to
exchange such certificate for a certificate representing the same number of
Shares but lacking such legend.

15.   AMENDMENT OF THE PLAN.

The Committee may, from time to time, terminate, suspend or discontinue the
Plan, in whole or in part, or revise or amend it in any respect whatsoever
including, but not limited to, the adoption of any amendment deemed necessary or
advisable to qualify the Awards under rules and regulations promulgated by the
Securities and Exchange Commission with respect to Participants who are subject
to the provisions of Section 16 of the Exchange Act, or to correct any defect or
supply any omission or reconcile any inconsistency in the Plan or in any Award
granted under the Plan, with or without approval of the stockholders of the
Corporation, but if any such action is taken without the approval of the
Corporation's stockholders, no such revision or amendment shall:

      (a) Increase the number of Shares subject to the Plan, other than any
increase pursuant to Section 13;

      (b) Change the designation of the class of persons eligible to receive
Incentive Stock Options; or

      (c) Amend this Section 15 to defeat its purpose.
<PAGE>
No amendment, termination or modification of the Plan shall, without the consent
of a Participant, adversely affect the Participant with respect to any Award
previously granted to the Participant.

16.   PAYMENT FOR SHARE PURCHASES.

Payment of the Exercise Price for any Shares purchased pursuant to the Plan may
be made in cash (in U.S. dollars) or, where expressly approved for the
Participant by the Committee, in its discretion, and where permitted by law:

      (a) By check;

      (b) By cancellation of indebtedness of the Corporation to the Participant;

      (c) By surrender of Shares that either: (A) have been owned by Participant
for more than six months (unless the Committee permits a Participant to exercise
an Option by Pyramiding, in which event the six months holding period shall not
apply) and have been "paid for" within the meaning of SEC Rule 144 (and, if such
shares were purchased from the Corporation by use of a promissory note, such
note has been fully paid with respect to such Shares); or (B) were obtained by
Participant in the public market;

      (d) By waiver of compensation due or accrued to Participant for services
rendered;

      (e) With respect only to purchases upon exercise of an Option, and
provided that a public market for the Corporation's stock exists:

            (i) Through a "same day sale" commitment from the Participant and a
broker-dealer that is a member of the National Association of Securities Dealers
(an "NASD Dealer") whereby the Participant irrevocably elects to exercise the
Option and to sell a portion of the Shares so purchased to pay for the Exercise
Price, and whereby the NASD Dealer irrevocably commits upon receipt of such
Shares to forward the Exercise Price directly to the Corporation; or

            (ii) Through a "margin" commitment from the Participant and an NASD
Dealer whereby the Participant irrevocably elects to exercise the Option and to
pledge the Shares so purchased to the NASD Dealer in a margin account as
security for a loan from the NASD Dealer in the amount of the Exercise Price,
and whereby the NASD Dealer irrevocably commits upon receipt of such Shares to
forward the Exercise Price directly to the Corporation; or

            (iii) By any combination of the foregoing.

17.   APPLICATION OF FUNDS.

The proceeds received by the Corporation from the sale of Common Stock pursuant
to the exercise of an Option or in any other manner with respect to any Award
shall be used for general corporate purposes.

18.   APPROVAL OF SHAREHOLDERS.

The Plan shall be subject to approval by the affirmative vote of the holders of
a majority of the outstanding shares present and entitled to vote at the first
annual meeting of shareholders of the Corporation following the adoption of the
Plan by the Board, and in no event later than June 30, 1998. Prior to such
approval, Awards may be granted but may not be exercised or settled. Pursuant to
Section 15, certain amendments shall also be subject to approval by the
Corporation's shareholders.

19.   WITHHOLDING OF TAXES.

      (a)   General.
<PAGE>
Whenever Shares are to be issued under the Plan, the Corporation may require the
Participant to remit to the Corporation an amount sufficient to satisfy foreign,
federal, state and local withholding tax requirements prior to the delivery of
any certificate or certificates for such Shares. Whenever, under the Plan,
payments in satisfaction of Awards are to be made in cash, such payment shall be
net of an amount sufficient to satisfy foreign, federal, state, and local
withholding tax requirements.

      (b)   Stock Withholding.

When, under applicable tax laws, a Participant incurs a tax liability in
connection with the issuance of Shares under the Plan and the Participant is
obligated to pay the Corporation the amount required to be withheld, the
Committee may at its complete discretion allow the Participant to satisfy the
minimum withholding tax obligation by electing to have the Corporation withhold
from the Shares to be issued the specific number of Shares having a Fair Market
Value equal to the minimum amount required to be withheld, determined on the
date that the amount of tax to be withheld is to be determined (the "Tax Date").
All elections by a Participant to have Shares withheld for this purpose shall be
made in writing in a form acceptable to the Committee and shall be subject to
the following restrictions:

            (i) The election must be made on or prior to the applicable Tax
Date;

            (ii) Once made, then except as provided below, the election shall be
irrevocable as to the particular Shares as to which the election is made; and

            (iii) All elections shall be subject to the consent or disapproval
of the Committee.

20.   RIGHTS AS AN EMPLOYEE.

The Plan shall not be construed to give any individual the right to remain in
the employ of the Corporation (or a Subsidiary) or to affect the right of the
Corporation (or such Subsidiary) to terminate such individual's status as an
Employee at any time, with or without cause. The grant of an Award shall not
entitle the Participant to, or disqualify the Participant from, participation in
the grant of any other Award under the Plan or participation in any other plan
maintained by the Corporation.

21.   NOTICES.

Any notice to be provided by one party to the other party under this Plan shall
be deemed to have been duly delivered to the other party (i) on the date such
notice is delivered at the address provided in a Participant's Award Agreement
or at such other address as the party may notify the other party in writing at
any time, or (ii) on the date such notice is deposited in the United States mail
as first class mail, postage prepaid if addressed to the party at the address
provided in a Participant's Award Agreement or at such other address as the
party may notify the other party in writing at any time. For the purposes of
clause (i), the term "delivered" shall include hand delivery, delivery by
facsimile, and delivery by electronic mail.

22.   MISCELLANEOUS.

      (a)   Unfunded Plan.

The Plan shall be unfunded and the Corporation shall not be required to
establish any special account or fund or to otherwise segregate or encumber
assets to ensure payment of any Award.

      (b)   No Restrictions on Other Programs.

Nothing contained in the Plan shall prevent the Corporation from adopting other
or additional compensation arrangements or plans, subject to shareholder
approval if such approval is required, and such arrangements or plan may be
either generally applicable or applicable only to specific classes.
<PAGE>
      (c)   Governing Laws.

The Plan and each Award Agreement shall be governed by the laws of the State of
Ohio, excluding any conflicts or choice of law rule or principle that might
otherwise refer construction or interpretation of the Plan or Award Agreement to
the substantive law of another jurisdiction. Unless otherwise provided in the
Award Agreement, recipients of an Award are deemed to submit to the exclusive
jurisdiction and venue of the federal or state courts of Ohio, County of
Muskingum, to resolve any and all issues that may arise out of or relate to the
Plan and any related Award Agreement.

      (d)   Attorney Fees.

In the event that a Participant or the Corporation brings an action to enforce
the terms of the Plan or any Award Agreement and the Corporation prevails, the
Participant shall pay all costs and expenses incurred by the Corporation in
connection with that action, including reasonable attorney's fees, and all
further costs and fees, including reasonable attorney's fees, incurred by the
Corporation in connection with collection.

      (e)   Invalidity or Unenforceability of Any Provision.

If any provision of the Plan is or becomes or is deemed invalid, illegal of
unenforceable in any jurisdiction, or would disqualify the Plan or any Award
under any law deemed applicable by the Committee, such provisions shall be
construed or deemed amended or limited in scope to conform to applicable laws
or, in the discretion of the Committee, it shall be stricken and the remainder
of the Plan shall remain in effect.

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