Document:

<PAGE>

                                                                   Exhibit 10(i)

                          INTERIM EMPLOYMENT AGREEMENT
                          ----------------------------

     THIS INTERIM EMPLOYMENT AGREEMENT ("Agreement") effective as of January 31,
2001, between CITY HOLDING COMPANY, a West Virginia corporation ("Employer"),
and Gerald R. Francis ("Employee"), recites and provides:

Recitals:
--------

     A.   Employer and Employee are entering into an Employment Agreement (the
          "Employment Agreement") pursuant to which Employee will be employed as
          President and Chief Executive Officer of Employer and its subsidiary,
          City National Bank Of West Virginia ("City National").

     B.   Before Employee can become President and Chief Executive Officer of
          Employer and City National, the Office of the Comptroller of the
          Currency ("OCC") must issue a notice of non-objection to such
          appointment.

     C.   Employer desires to employ Employee as a special assistant to the
          Board of Directors of Employer and City National until commencement of
          the term of the Employment Agreement.

Agreement:
---------

     In consideration of the mutual covenants contained herein, the parties
agree as follows:

     1.   Employment.  Employee is employed as special assistant to the Board of
          ----------
          Directors of Employer and City National, with such duties and
          responsibilities as are assigned to him by the Board of Directors.
          While employed as a special assistant, Employee shall not perform any
          policy-making functions.

     2.   Term of Employment.  The term of this Interim Employment Agreement
          ------------------
          will commence on the date hereof and end on the date that the OCC
          gives notice of non-objection or notice of objection to Employer's
          employment of Employee.

     3.   Compensation.  For services rendered by Employee to Employer herewith,
          ------------
          Employee will be paid from the effective date hereof at the annual
          rate of $250,000, payable in accordance with the payroll practices of
          Employer applicable to its officers.  Employee will be eligible to
          participate in the benefit programs described in Section 3 of the
                                                           ---------
          Employment Agreement.

     4.   Stock Options.  Effective January 31, 2001, Employer's Board of
          -------------
          Directors granted Employee an option to purchase 200,000 shares of
          Employer Common
<PAGE>

          Stock under Employer's 1993 Stock Incentive Plan, provided, that if
          the Employment Agreement is terminated pursuant to Section 6(h)
                                                             ------------
          thereof, Employee agrees to surrender such options unexercised. The
          exercise price shall be $5.75 per share, the stock's fair market value
          on the date of grant.

     5.   OCC Regulations.  Employee is aware of and agrees to abide by the
          ---------------
          prohibition of the dissemination of non-public information as provided
          in 12 CFR, (S) 4.37(b)(1) and agrees not to use such non-public OCC
          information for any purpose other than to provide services to Employer
          and City National.

     6.   Termination.  This Interim Employment Agreement will terminate and
          -----------
          have no further force and effect (except for the provisions of Section
          4, which will survive) when the OCC gives notice of non-objection or
          notice of objection to Employer's employment of Employee.  If the OCC
          gives notice of non-objection, the Employment Agreement between
          Employer and Employee entered into on the date hereof will commence as
          of the date of such notice.  If the OCC gives notice of objection of
          Employer's employment to Employee, the Employment Agreement, as
          provided in Section 6(h) thereof, will terminate and this Interim
          Agreement will terminate, all without any further obligation of either
          party to the other except as otherwise provided in each agreement.

     IN WITNESS WHEREOF, the parties have executed this Interim Employment
Agreement effective the date and year first above written.

                                 CITY HOLDING COMPANY

                                 By:  /s/ Philip L. McLaughlin
                                    --------------------------
                                    Name:  Philip L. McLaughlin
                                    Title: Chairman of the Board of Directors

                                 EMPLOYEE:

                                 /s/ Gerald R. Francis
                                 ---------------------
                                 Gerald R. Francis<PAGE>

                                                                   Exhibit 10(j)

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

     THIS EMPLOYMENT AGREEMENT ("Agreement") effective as of January 31, 2001,
between CITY HOLDING COMPANY, a West Virginia corporation ("Employer"), and
Gerald R. Francis ("Employee"), recites and provides.

Recitals:
--------

     A.  Employer desires to employ Employee as its President and Chief
Executive Officer and President and Chief Executive Officer of its subsidiary,
City National Bank of West Virginia ("City National").  For purposes of this
Agreement, "Employer" shall include City National where the context so requires.

     B.  Employer is subject to a formal written agreement with the Office of
the Comptroller of Currency ("OCC").  OCC regulations require issuance of a
notice of non-objection of Employer's employing Employee as its President and
Chief Executive Officer of Employer and City National and naming Employee as a
Director of Employer and City National.  Until such notice is received, Employer
will be employed as a special assistant to the Board of Directors of Employer in
accordance with an interim employment agreement being entered into on the date
hereof.

     C.  Employee is willing to make his services available to Employer on the
terms and subject to the conditions set forth herein.

Agreement:
---------

     In consideration of the mutual covenants contained herein, the parties
agree as follows:

     1.  Employment.  Employee is employed as President and Chief Executive
         ----------
Officer of Employer and President and Chief Executive Officer of City National.
Employee shall have such duties and responsibilities as are commensurate with
such positions.  Employee accepts and agrees to such employment, subject to the
general supervision and pursuant to the orders, advice, and direction of
Employer's boards of directors.  Employee shall perform such duties as are
customarily performed by one holding such positions in other same or similar
businesses or enterprises as that engaged in by Employer, and shall also
additionally render such other services and duties as may be reasonably assigned
to him from time to time by Employer's board of directors, consistent with his
positions.  If Employer, without the written consent of Employee, assigns to
Employee duties which Employee deems inconsistent with the title, position and

                                       1
<PAGE>

status of the office of Chief Executive Officer, such action, at Employee's
option, to be exercised within 60 days of such change, shall constitute
"Termination for Good Reason," with the effect provided for in Section 6(d).

     2.  Term of Employment.  The term of this Agreement shall commence on the
         ------------------
date of the issuance of a notice of non-objection to Employee's employment as
President and Chief Executive Officer by the OCC (the "OCC Non-objection Date")
and shall terminate on the day next preceding the third anniversary of the OCC
Non-objection Date, unless extended.  On each monthly anniversary date starting
the first month after the OCC Non-objection Date, this Agreement will be
automatically extended for an additional month; provided, however, that on any
one month anniversary date either Employer or Employee may serve notice to the
other party to fix the term to a definite three year period from the date of
such notice and, in such event, no further automatic extensions will occur.
Notwithstanding the foregoing, this Agreement will not be extended beyond the
first day of the month coincident with or next following the date on which
Employee attains age 65.  The term of this Agreement as it may be extended
pursuant to this Section 2, or as it may be shortened in accordance with
                 ---------
Section 5 or Section 6, is referred to as the "Term."
---------    ---------

     3.  Compensation.
         ------------

     (a) For all services rendered by Employee to Employer under this Agreement,
Employer shall pay to Employee, beginning on the OCC Non-objection Date, a
minimum annual salary at a rate not less than $250,000, payable in accordance
with the payroll practices of Employer applicable to its officers.

     (b) Employee shall be paid a minimum bonus for Employer's fiscal year 2001
of $100,000.00.  Employee shall be paid a bonus at the end of each of Employer's
fiscal years after 2001 payable as follows:

            If Employer's           Amount of Bonus
          Return on Equity is    (as a Percentage of Annual Salary)
          -------------------    ----------------------------------
               10%                       40%
               11%                       50%
               12%                       60%
               13%                       70%
               14%                       80%
               15%                       90%
               16%                       100%

     Any bonus shall be paid to Employee within 30 days of the issuance of
Employer's audited financial statements for a specified fiscal year.  "Return on
Equity" shall be determined on a consolidated basis in accordance with generally
accepted accounting principles before extraordinary items.  Unless otherwise

                                       2
<PAGE>

approved in the discretion of the board of directors or its executive
compensation committee, (i) no bonus shall be payable if return on equity is
less than 10%, and (ii) the maximum bonus payable under this Subsection 3(b)
                                                             ---------------
shall be 100% of annual salary.

          (c) Effective January 31, 2001, Employer's Board of Directors granted
Employee an option to purchase 200,000 shares of Employer Common Stock under
Employer's 1993 Stock Incentive Plan, the terms of which are reflected in a
separate stock option agreement.  If this Agreement is terminated pursuant to
Section 6(h), Employee agrees to surrender such options unexercised.
------------

          (d) Employee shall participate in the incentive plans of Employer for
which he may become eligible and designated a participant.

          (e) Any salary increase payable to Employee shall be determined in
accordance with Employer's annual salary plan, and be based on Employer's
performance and the performance of Employee.

          (f) Except as otherwise specifically provided herein, for so long as
Employee is employed by Employer, Employee also shall be paid, on the same basis
as other officers of Employer, employee pension and welfare benefits and group
employee benefits such as sick leave, vacation, group disability and health,
life, and accident insurance and similar indirect compensation which Employer
may from time to time extend to its officers; provided that Employee shall
receive term life insurance coverage in an amount not less than $400,000.

          (g) If during the Term of the Agreement Employee becomes eligible for
retirement under Employer's retirement plans and he retires, Employee may elect
to continue receiving the health insurance coverage provided to Employee prior
to retirement at a comparable rate and benefit available to other retired
employees (or, if no such benefit is then made available to other retired
employees, at the rate and benefit available to Employee at the time of
retirement).

          (h) For so long as Employee is employed by Employer, Employer shall
pay Employee's reasonable dues and expenses for membership in one country club.

          (i) For so long as Employee is employed by Employer, Employer shall
furnish Employee with an automobile in accordance with the customary practices
of Employer for executives at his level.

          (j) For so long as Employee is employed by Employer, Employer shall
pay Employee's reasonable civic club dues.

          (k) Employer shall reimburse Employee for his family's

                                       3
<PAGE>

reasonable expenses incurred in relocating from Indianapolis, Indiana to
Charleston, West Virginia.

          (l) Employer shall reimburse Employee for the reasonable fees and
charges of Employee's legal counsel and tax advisor incurred in connection with
the negotiation, implementation and exercise of his employment agreements and
benefits from time to time.

          (m) In the event that Employer effects a distribution of purchase
rights or warrants or other equity securities to holders of its Common Stock
generally, including, without limitation, a rights offering for the purpose of
raising capital, and the terms of any options or other equity compensation
arrangements then held by Employee do not provide for an equitable adjustment
for Employee's benefit to protect Employee from dilution of Employee's equity
interest resulting therefrom, then Employer shall cause such amount of warrants,
rights or securities to be issued or made available for purchase or exercise by
Employee in the same amount and on the same terms and conditions as would be
available to a shareholder holding the number of shares covered by the options
or other equity compensation benefits then held by Employee.  Without limiting
the foregoing, if the provisions of Paragraph 11 of Employee's Stock Option
Agreement of even date herewith are not permitted or are limited by the 1993
Stock Incentive Plan, or if there are insufficient shares available for issuance
under such plan to provide for such adjustment, the Company shall pay to
Employee such amount as may be necessary to hold Employee harmless in respect of
its inability to provide Employee the full benefit of such provision.

     4.   Covenants of Employee.
          ----------------------

          (a) Subject to the limitations provided in Subsections 4(b) and 4(d)
                                                     ----------------     ----
(whichever may be applicable), upon termination of Employee's employment prior
to the expiration of the Term, Employee will not, directly or indirectly, either
as a principal, executive officer, employer, stockholder, co-partner or in any
other individual or representative capacity whatsoever, engage in the consumer,
savings or commercial banking business, the savings and loan business, or the
mortgage banking business anywhere in the state of West Virginia or in any
county outside of West Virginia contiguous to West Virginia, nor will Employee
solicit, or assist any other person in so soliciting, any depositors or
customers of Employer or its  Affiliates or induce any then or former employee
of Employer or its Affiliates to terminate their employment with Employer or its
Affiliates; provided, however, that nothing herein contained shall be deemed to
prevent or limit the right of Employee to invest in a business similar to
Employer's business if such investment is limited to less than one percent of
the capital stock or other securities of any corporation or similar organization
whose stock or securities are publicly owned or are regularly traded on any
public exchange.  The term "Affiliate" as used in this Agreement means a Person
that directly or indirectly

                                       4
<PAGE>

through one or more intermediaries, controls, or is controlled by, or is under
common control with, another Person. The term "Person" as used in this Agreement
means any person, partnership, corporation, group or other entity.

          (b) If Employee voluntarily terminates his employment with Employer
and its Affiliates, Employee will be subject to the provisions of
Subsection 4(a) for any period during which Employee receives compensation
----------
pursuant to Subsection 6(e).
            ---------------

          (c) If Employee's employment is terminated by Employer or its
Affiliates for Just Cause (as defined in Subsection 6(b)), Employee will not be
                                         ---------------
subject to the provisions of Subsection 4(a)
                             ---------------

          (d) If Employee's employment is terminated by Employer or its
Affiliates for reasons other than Just Cause (as defined in Subsection 6(b)) at
                                                            ---------------
any time, Employee will be subject to the provisions of Subsection 4(a) until
                                                        ---------------
the later of:  (i) the first anniversary of Employee's termination or (ii) the
date as of which Employee is not entitled to payment of further compensation
because of the last sentence of Subsection 6(c).
                                ---------------

          (e) Notwithstanding any other provision of this Agreement to the
contrary, if Employee voluntarily terminates his employment with Employer or its
Affiliates in accordance with Subsection 6(d), Employee will not be subject to
                              ---------------
Subsection 4(a).
---------------

          (f) During the Term of Employee's employment hereunder and thereafter,
and except as required by any court, supervisory authority or administrative
agency or as may be otherwise required by applicable law, Employee shall not,
without the written consent of the Board of Directors of Employer or a person
authorized thereby, disclose to any person, other than an employee of Employer
or an Affiliate thereof or a person to whom disclosure is reasonably necessary
or appropriate in connection with the performance by Employee of his duties as
an employee of Employer or an Affiliate, any confidential information obtained
by him while in the employ of Employer, unless such information has become a
matter of public knowledge at the time of such disclosure.

          (g) The covenants contained in this Section 4 shall be construed and
                                              ---------
interpreted in any judicial proceeding to permit their enforcement to the
maximum extent permitted by law.  Employee agrees that the restraints imposed
herein are necessary for the reasonable and proper protection of Employer and
its Affiliates and that each and every one of the restraints is reasonable in
respect to such matter, length of time and the area proscribed.  Employee
further acknowledges that damages at law would not be a measurable or adequate
remedy for breach of the covenants contained in this Section 4 and,
                                                     ---------

                                       5
<PAGE>

accordingly, Employee agrees to submit to the equitable jurisdiction of any
court of competent jurisdiction in Charleston, West Virginia in connection with
any action to enjoin Employee from violating any such covenants.

     5.   Disability.  If, by reason of physical or mental disability during the
          ----------
Term, Employee is unable to carry out the essential functions of his employment
for 12 consecutive months, his services may be terminated by the Board of
Directors determining so to do upon one month's notice to be given to Employee
at any time after the period of 12 continuous months of disability and while
such disability continues.  If, prior to the expiration of the one month period
after the giving of such notice, Employee shall recover from such disability and
return to the full-time active discharge of his duties, then such notice shall
be of no further force and effect and Employee's employment shall continue as if
the same had been uninterrupted.  If Employee shall not so recover from his
disability and return to his duties, then his services shall terminate at the
expiration date of such one month's notice with the same force and effect as if
that date had been the date of termination originally provided for hereunder.
During the first 12 months of the period of Employee's disability, Employee
shall continue to earn all compensation (including bonuses and incentive
compensation) to which Employee would have been entitled as if he had not been
disabled, such compensation to be paid at the time, in the amounts, and in the
manner provided in Subsection 3(a), and to be reduced by the amount of any
                   ---------------
compensation received pursuant to any applicable disability insurance plan of
Employer.  Thereafter, Employee shall receive compensation to which he is
entitled under any applicable disability insurance plan.  At that time Employee
shall also be deemed to have voluntarily terminated his employment and shall be
entitled to receive Termination Compensation as set forth in Subsection 6(e),
                                                             ---------------
reduced by the amount of any compensation received pursuant to any applicable
disability insurance plan of Employer.  If a dispute arises between Employee and
Employer concerning Employee's physical or mental ability to continue or return
to the performance of his duties as aforesaid, Employee shall submit to
examination by a competent physician mutually agreeable to the parties, and his
opinion as to Employee's capability to so perform will be final and binding.
Upon termination of Employee's services by reason of disability, the Term shall
end.

     6.   Termination.
          -----------

          (a) If Employee shall die during the Term, this Agreement and the
employment relationship hereunder will automatically terminate on the date of
death, which date shall be the last date of the Term.  Notwithstanding this
Subsection 6(a), if Employee dies while employed by Employer, Employee's estate
---------------
shall receive annually sixty percent (60%) of the Termination Compensation (as
defined below) for the Applicable Severance Period (defined below), but payments
shall cease, if applicable,  following the month in which Employee would have
reached age 65.

                                       6
<PAGE>

     "Termination Compensation" means the highest amount of cash compensation
paid (or earned and payable whether or not deferred) to or for the benefit of
Employee in respect of any of the three most recent calendar years ending prior
to the date of termination, determined by reference to the annual cash
compensation (salary and bonus) reflected in columns (c) and (d) of the summary
compensation table set forth in Employer's proxy statement for such year, or, in
the absence of such previously reported table, by reference to the amount of
such compensation as would be reflected for such year in such a summary
compensation table prepared in accordance with Item 402(b) of Regulation S-K of
the Securities and Exchange Commission; provided that if termination occurs
prior to March 31, 2002, such amount shall be $350,000.

     "Applicable Severance Period" means the period of time set forth below if
termination occurs during the corresponding period indicated:

      Severance Period                Termination Date
      ----------------                ----------------
<TABLE>
<CAPTION>
        <S>          <C>
          1 year     On or Before January 31, 2002
          2 years    Thereafter through January 31, 2003
          3 years    After January 31, 2003
</TABLE>

In addition, as used in Subsections 6(a) and 6(e), if termination occurs after
January 31, 2003, the "Applicable Severance Period" means the period of time set
forth below if termination occurs during the corresponding period:

<TABLE>
<CAPTION>
      Severance Period                Termination Date
      ----------------                ----------------
     <S>                        <C>
          3 years               After January 31, 2003 through January 31, 2004
          4 years               Thereafter through January 31, 2005
          5 years               After January 31, 2005
</TABLE>

          (b) Employer shall have the right to terminate Employee's employment
under this Agreement at any time for Just Cause, which termination shall be
Effective immediately.  Termination for "Just Cause" shall include termination
for Employee's personal dishonesty, gross incompetence, willful misconduct,
breach of a 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 a final cease-and-desist order,
conviction of a felony or of a misdemeanor involving moral turpitude, unethical
business practices in connection with Employer's business, misappropriation of
Employer's assets (determined on a reasonable basis) or those of its Affiliates,
or material breach of any other provision of this Agreement, provided that
Employee has received written notice from Employer of such material breach and
such

                                       7
<PAGE>

breach remains uncured 30 days after the delivery of such notice. In the event
Employee's employment under this Agreement is terminated for Just Cause,
Employee shall have no right to receive compensation or other benefits under
this Agreement for any period after such termination.

          (c) Employer may terminate Employee's employment other than for "Just
Cause," as described in Subsection 6(b), at any time upon written notice to
                        ---------------
Employee, which termination shall be Effective immediately.  In the event
Employer terminates Employee pursuant to this Subsection 6(c), Employee will
                                              ---------------
nevertheless receive Termination Compensation for the Applicable Severance
Period, provided, that if such termination occurs within six (6) months
        --------
preceding or within 24 months following a Change of Control (defined below),
Employee shall be entitled instead, at his election, to receive in a lump sum
(i) any compensation due but not yet paid through the date of termination and
(ii) in lieu of any further salary payments from the date of termination to the
end of the Term, an amount equal to the Termination Compensation times 2.99.
Unless such lump sum payment is elected, such amounts shall be payable at the
times such amounts would have been paid in accordance with Subsection 3(a).  In
                                                           ---------------
addition, Employee shall continue to receive health insurance coverage from
Employer on the same terms as were in effect prior to Employee's termination,
either under Employer's plans or comparable coverage, for all periods Employee
receives Termination Compensation.  Notwithstanding anything in this Agreement
to the contrary, if Employee breaches Subsection 4(a) or Subsection 4(d),
                                      ----------------------------------
Employee will not be entitled to receive any further compensation or benefits
pursuant to this Subsection 6(c).
                 ---------------

          (d) Employee may voluntarily terminate employment with Employer (i)
pursuant to the last sentence of paragraph 1 or paragraph 8(g) hereof, or (ii)
for "Good Reason".  In either such event, Employee shall be entitled to receive
in a lump sum (i) any compensation due but not yet paid through the date of
termination and (ii) in lieu of any further salary payments from the date of
termination to the end of the Term, an amount equal to the Termination
Compensation times 2.99.

     "Good Reason" shall mean the occurrence of any of the following events
without Employee's express written consent:

               (i) the assignment to Employee of duties inconsistent with the
     position and status of the offices and positions of Employee provided for
     herein;

               (ii) a reduction by Employer in Employee's pay grade or base
     salary as then in effect or the exclusion of Employee from participation in
     Employer's benefit plans in which he previously participated as in effect
     at the date hereof or as the same may be increased

                                       8
<PAGE>

     from time to time during the term of this Agreement or Employer's failure
     to increase (within 12 months of Employee's last increase in base salary)
     Employee's base salary in an amount which at least equals, on a percentage
     basis, the average percentage increase in base salary for all executives
     entitled to participate in Employer's executive incentive plans for which
     Employee was eligible during the preceding 12 months;

               (iii)  an involuntary relocation of Employee more than 50 miles
     from the location where Employee worked immediately following his most
     recent voluntary relocation or the breach by Employer of any other material
     provision of this Agreement;

               (iv) any purported termination of the employment of Employee by
     Employer which is not effected in accordance with this Agreement; or

               (v) the occurrence of a Change of Control within the period of 24
     months preceding such termination.

     A "Change of Control" shall be deemed to have occurred if (i) any person or
group of persons (as defined in Section 13(d) and 14(d) of the Securities
Exchange Act of 1934) together with its affiliates, excluding employee benefit
plans of Employer, is or becomes, directly or indirectly, the "beneficial owner"
(as defined in Rule 13d-3 promulgated under the Securities Exchange Act of 1934)
of securities of Employer representing 20% or more of the combined voting power
of Employer's then outstanding securities; or (ii) during the term of this
Agreement as a result of a tender offer or exchange offer for the purchase of
securities of Employer (other than such an offer by Employer for its own
securities), or as a result of a proxy contest, merger, consolidation or sale of
assets, or as a result of any combination of the foregoing, individuals who at
the beginning of any two-year period during the term of this Agreement
constitute Employer's Board of Directors, plus new directors whose election or
nomination for election by Employer's shareholders is approved by a vote of at
least two-thirds of the directors still in office who were directors at the
beginning of such two-year period, cease for any reason during such two-year
period to constitute at least two-thirds of the members of such Board of
Directors; or (iii) the shareholders of Employer approve a merger or
consolidation of Employer with any other corporation or entity regardless of
which entity is the survivor, other than a merger or consolidation which would
result in the voting securities of Employer outstanding immediately prior
thereto continuing to represent (either by remaining outstanding or being
converted into voting securities of the surviving entity) at least 80% of the
combined voting power of the voting securities of Employer or such surviving
entity outstanding immediately after such merger or consolidation; or (iv) the
shareholders of Employer approve a plan of complete liquidation or winding-up of
Employer or an agreement for the sale or disposition by Employer

                                       9
<PAGE>

of all or substantially all of Employer's assets; or (v) any event which
Employer's Board of Directors determines should constitute a Change of Control.

          (e) Notwithstanding any other provision of this Agreement to the
contrary, in the event that Employee voluntarily terminates employment with
Employer, Employee will be entitled to receive annually sixty percent (60%) of
the Termination Compensation through the end of the Applicable Severance Period
(so long as Employee complies with Subsection 4(a)) or, if earlier, through the
                                   ---------------
date on which Employee reaches age 65.  Such Termination Compensation shall be
payable at the times such amounts would have been paid in accordance with
Section 3(a).  In addition, Employee shall continue to receive health insurance
coverage from Employer on the same terms as were in effect prior to Employee's
termination, either under the Employer's plans or comparable coverage, for all
periods Employee receives Termination Compensation pursuant to this
Subsection 6(e), so long as Employee complies with Subsection 4(a). If, at the
---------------                                    ---------------
time of termination, circumstances exist which would permit Employee to
terminate his employment and be entitled to the benefits provided for under
paragraph 6(d), Employee may elect to terminate employment either pursuant to
paragraph 6(d) or this paragraph 6(e).  No voluntary termination of employment
               --
by Employee under this paragraph 6(e) shall be deemed to be made in connection
with a Change of Control for any reason.

          (f) In receiving any payments pursuant to this Section 6, Employee
                                                         ---------
shall not be obligated to seek other employment or take any other action by way
of mitigation of the amounts payable to Employee hereunder, and such amounts
shall not be reduced or terminated whether or not Employee obtains other
employment.

          (g) In the event that Employer's independent public accountants or the
Internal Revenue Service determine, at any time during or after expiration of
this Agreement, that Employee has collected an amount arising from any and all
sources of compensation from Employer (including, without limitation, by virtue
of the immediately following sentence) exceeding the product of 2.99 and
Employee's "base amount" as defined in Section 280G(b)(3) of the Code (the "Code
(S) 280G Maximum"), notwithstanding any provision of this agreement or any plan
or arrangement of Employer to the contrary, Employer shall pay Employee 147.5%
of the federal excise taxes payable by Employee under Code (S) 4999.  If, by
virtue of any plan or arrangement of Employer, benefits to which Employee would
otherwise be entitled would be curtailed or reduced because Employee may collect
an amount exceeding the Code (S) 280G Maximum, Employer shall nevertheless pay
to Employee an amount equal to 100% of the value by which such benefits are
curtailed or reduced.

          (h) Notwithstanding anything in this Agreement to the contrary, if the
OCC should not issue a notice of non-objection to employment of

                                       10
<PAGE>

Employee by Employer as its President and Chief Executive Officer as described
in Recital B, this Agreement shall terminate without any further obligation
under any of its provisions of Employer to Employee or of Employee to Employer,
and from such date of non-approval this Agreement shall be null and void, except
for Employee's covenant to surrender the stock options provided for in
Subsection 3(c).
---------- ----

     7.   Other Employment.
          ----------------

     Employee shall devote all of his business time, attention, knowledge and
skills solely to the business and interest of Employer and its Affiliates, and
Employer and its Affiliates shall be entitled to all of the benefits, profits
and other emoluments arising from or incident to all work, services and advice
of Employee, and Employee shall not, during the Term hereof, become interested
directly or indirectly, in any manner, as partner, officer, director,
stockholder, advisor, employee or in any other capacity in any other business
similar to Employer's business; provided, however, that nothing herein contained
shall be deemed to prevent or limit the right of Employee to invest in a
business similar to Employer's business if such investment is limited to less
than one percent of the capital stock or other securities of any corporation or
similar organization whose stock or securities are publicly owned or are
regularly traded on any public exchange.

     8.   Miscellaneous.
          -------------

          (a) This Agreement shall be governed by and construed in accordance
with the laws of the State of West Virginia without regard to conflicts of law
principles thereof.

          (b) This Agreement constitutes the entire Agreement between Employee
and Employer, with respect to the subject matter hereof, and supersedes all
prior agreements with respect thereto.  Without limiting the foregoing, Employee
agrees that this Agreement satisfies any rights he may have had under any prior
agreement or understanding with Employer with respect to his employment by
Employer.

          (c) This Agreement may be executed in one or more counterparts, all of
which, taken together, shall constitute one and the same instrument.

          (d) Any notice or other communication required or permitted under this
Agreement shall be effective only if it is in writing and delivered in person or
by reliable overnight courier service or deposited in the mails, postage
prepaid, return receipt requested, addressed as follows:

                                       11
<PAGE>

          To Employer:

          City Holding Company
          25 Gatewater Road
          Charleston, West Virginia 25313
          (304) 769-1102
          Attention:  Corporate Secretary

          To Employee:

          Gerald R. Francis
          3165 South Fletcher Avenue
          Unit 1
          Fernandina Beach, Florida  32034
          (904) 277-6543

Notices given in person or by overnight courier service shall be deemed given
when delivered to the address required by this Subsection 8(d), and notices
                                               ---------------
given by mail shall be deemed given three days after deposit in the mails.  Any
party hereto may designate by written notice to the other party in accordance
herewith any other address to which notices addressed to him shall be sent.

          (e) 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.  It is understood and agreed that
no failure or delay by Employer or Employee in exercising any right, power or
privilege under this Agreement shall operate as a waiver thereof, nor shall any
single or partial exercise thereof preclude any other or further exercise
thereof or the exercise of any other right, power or privilege hereunder.

          (f) In the event any dispute shall arise between Employee and Employer
as to the terms or interpretations of this Agreement, whether instituted by
formal legal proceedings or otherwise, including any action taken by Employee to
enforce the terms of this Agreement or in defending against any action taken by
Employer, Employer shall reimburse Employee for all reasonable costs and
expenses, including reasonable attorneys' fees, arising from such dispute,
proceeding or action, if Employee shall prevail in any action initiated by
Employee or shall have acted reasonably and in good faith in defending against
any action initiated by Employer.  Such reimbursement shall be paid within 10
days of Employee furnishing to Employer written evidence, which may be in the
form, among other things, of a canceled check or receipt, of any costs or
expenses incurred by Employee.  Any such request for reimbursement by Employee
shall be made no more frequently than at 60 day intervals.

          (g) Should Employee die after termination of his employment

                                       12
<PAGE>

with Employer while any amounts are payable to him hereunder, this Agreement
shall inure to the benefit of and be enforceable by Employee's executors,
administrators, heirs, distributees, devisees and legatees and all amounts
payable hereunder shall be paid in accordance with the terms of this Agreement
to Employee's devisee, legatee or other designee or, if there is no such
designee, to his estate. Employer shall require any successor (whether direct or
indirect, by purchase, merger, consolidation or otherwise) to all or
substantially all of the business or assets of Employer, by agreement in form
and substance reasonably satisfactory to Employee to expressly assume and agree
to perform this Agreement in the same manner and same extent that Employer would
be required to perform it if no such succession had taken place. Failure of
Employer to obtain such agreement prior to the effectiveness of any such
succession shall be deemed "Good Reason", permitting termination by Employee
pursuant to paragraph 6(d). As used in this Agreement, "Employer" shall mean
Employer as hereinbefore defined and any successor to its business or assets as
aforesaid.

     IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of
the date and year first above written.

                          CITY HOLDING COMPANY

                            By:  /s/ Philip L. McLaughlin
                               --------------------------
                                Name: Philip L. McLaughlin
                                Title:    Chairman of the Board of Directors

                            EMPLOYEE:

                               /s/ Gerald R. Francis
                             -----------------------

                                       13

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