Document:

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Exhibit 10.8

                                   RENEWAL OF
                          EMPLOYMENT AGREEMENT BETWEEN

               William J. Reuter, Chairman, President and CEO, AND

                          SUSQUEHANNA BANCSHARES, INC.

     As of Wednesday, January 15, 2003, the employment of William J. Reuter is
hereby deemed to be renewed for three (3) years under the terms and conditions
per the Employment Agreement dated March 12, 2001 (but effective as of February
28, 2001), as amended.

     The base salary as per Section 4.1 will be $420,000 per year.

                                        SUSQUEHANNA BANCSHARES, INC.
Attest:

/s/ Lisa M. Cavage                      By: /s/ Edward Balderston, Jr.
------------------                          --------------------------
Secretary                               Edward Balderston, Jr.
Lisa M. Cavage                          SVP & Group Executive

[SEAL]

<PAGE>

                               SECOND AMENDMENT TO
                              EMPLOYMENT AGREEMENT

     The Employment Agreement effective as of February 28, 2001, and amended by
the First Amendment to Employment Agreement dated January 18, 2002, by and
between SUSQUEHANNA BANCSHARES, INC., a Pennsylvania corporation organized as a
financial holding company under the Bank Holding Company Act of 1956, as amended
(the "Company"), and WILLIAM J. REUTER, an adult individual whose principal
residence is at 6 Apple Hill Drive, Lititz, Pennsylvania 17543 (the "Employee"),
is hereby amended as follows:

     1. Subparagraph 10.5(b) is amended to read in its entirety as follows:

     "(b) all other employee benefits to which the Employee would have been
entitled under paragraph 7 hereof if he had remained in the employ of the
Company for the remainder of the Period of Employment. However, to the extent
that such employee benefits are provided by insurance companies and other
vendors not affiliated with the Company, the obligation of the Company to
provide such employee benefits shall not exceed that to which the Employee would
be entitled under the contracts in force between the Company and such vendors at
the time of the event of termination under this subparagraph 10.5."

     As so amended, said Employment Agreement is hereby confirmed, with the
intent to be legally bound, this 22nd day of January, 2003.

                                         SUSQUEHANNA BANCSHARES, INC.

Attest: /s/ Lisa M. Cavage               By: /s/ Gregory A. Duncan
        ------------------                   ---------------------
Secretary                                Name: Gregory A. Duncan
                                         Title: Executive Vice President and COO

                                         EMPLOYEE

Witness:

/s/ Edward Balderston, Jr.               /s/ William J. Reuter
--------------------------               ---------------------
Name:  Edward Balderston, Jr.            William J. Reuter<PAGE>

Exhibit 10.9

                                   RENEWAL OF
                          EMPLOYMENT AGREEMENT BETWEEN

                       Gregory A. Duncan, EVP and COO, AND

                          SUSQUEHANNA BANCSHARES, INC.

     As of Wednesday, January 15, 2003, the employment of Gregory A. Duncan is
hereby deemed to be renewed for three (3) years under the terms and conditions
per the Employment Agreement dated March 12, 2001 (but effective as of February
28, 2001), as amended.

     The base salary as per Section 4.1 will be $286,000 per year.

                                             SUSQUEHANNA BANCSHARES, INC.
Attest:

/s/ Lisa M. Cavage                           By: /s/ Edward Balderston, Jr.
------------------                               --------------------------
Secretary                                    Edward Balderston, Jr.
Lisa M. Cavage                               SVP & Group Executive

[SEAL]

<PAGE>

                               SECOND AMENDMENT TO
                              EMPLOYMENT AGREEMENT

     The Employment Agreement effective as of February 28, 2001, and amended by
the First Amendment to Employment Agreement dated January 18, 2002, by and
between SUSQUEHANNA BANCSHARES, INC., a Pennsylvania corporation organized as a
financial holding company under the Bank Holding Company Act of 1956, as amended
(the "Company"), and GREGORY A. DUNCAN, an adult individual whose principal
residence is at 1046 Hunters Path, Lancaster, Pennsylvania 17601 (the
"Employee"), is hereby amended as follows:

     1. Subparagraph 10.5(b) is amended to read in its entirety as follows:

     "(b) all other employee benefits to which the Employee would have been
entitled under paragraph 7 hereof if he had remained in the employ of the
Company for the remainder of the Period of Employment. However, to the extent
that such employee benefits are provided by insurance companies and other
vendors not affiliated with the Company, the obligation of the Company to
provide such employee benefits shall not exceed that to which the Employee would
be entitled under the contracts in force between the Company and such vendors at
the time of the event of termination under this subparagraph 10.5."

     As so amended, said Employment Agreement is hereby confirmed, with the
intent to be legally bound, this 22nd day of January, 2003.

                                             SUSQUEHANNA BANCSHARES, INC.

Attest: /s/ Lisa M. Cavage                   By: /s/ William J. Reuter
        ------------------                       ---------------------
Secretary                                    Name: William J. Reuter
                                             Title: President and CEO

                                             EMPLOYEE

Witness:

/s/ Edward Balderston, Jr.                   /s/ Gregory A. Duncan
--------------------------                   ---------------------
Name: Edward Balderston, Jr.                 Gregory A. Duncan<PAGE>

Exhibit 10.10

                                   RENEWAL OF
                          EMPLOYMENT AGREEMENT BETWEEN

                  Drew K. Hostetter, EVP, CFO and Treasurer AND

                          SUSQUEHANNA BANCSHARES, INC.

     As of Wednesday, January 15, 2003, the employment of Drew K. Hostetter is
hereby deemed to be renewed for three (3) years under the terms and conditions
per the Employment Agreement dated March 12, 2001 (but effective as of February
28, 2001), as amended.

     The base salary as per Section 4.1 will be $281,965 per year.

                                              SUSQUEHANNA BANCSHARES, INC.
Attest:

/s/ Lisa M. Cavage                            By: /s/ Edward Balderston, Jr.
------------------                                --------------------------
Secretary                                     Edward Balderston, Jr.
Lisa M. Cavage                                SVP & Group Executive

[SEAL]

<PAGE>

                               SECOND AMENDMENT TO
                              EMPLOYMENT AGREEMENT

     The Employment Agreement effective as of February 28, 2001, and amended by
the First Amendment to Employment Agreement dated January 18, 2002, by and
between SUSQUEHANNA BANCSHARES, INC., a Pennsylvania corporation organized as a
financial holding company under the Bank Holding Company Act of 1956, as amended
(the "Company"), and DREW K. HOSTETTER, an adult individual whose principal
residence is at 812 Westminster Drive, Lancaster, Pennsylvania 17601 (the
"Employee"), is hereby amended as follows:

     1. Subparagraph 10.5(b) is amended to read in its entirety as follows:

     "(b) all other employee benefits to which the Employee would have been
entitled under paragraph 7 hereof if he had remained in the employ of the
Company for the remainder of the Period of Employment. However, to the extent
that such employee benefits are provided by insurance companies and other
vendors not affiliated with the Company, the obligation of the Company to
provide such employee benefits shall not exceed that to which the Employee would
be entitled under the contracts in force between the Company and such vendors at
the time of the event of termination under this subparagraph 10.5."

     As so amended, said Employment Agreement is hereby confirmed, with the
intent to be legally bound, this 22nd day of January, 2003.

                                                  SUSQUEHANNA BANCSHARES, INC.

Attest: /s/ Lisa M. Cavage                        By: /s/ William J. Reuter
        ------------------                            ---------------------
Secretary                                         Name:   William J. Reuter
                                                  Title:  President and CEO

                                                  EMPLOYEE

Witness:

/s/ Edward Balderston, Jr.                        /s/ Drew K. Hostetter
--------------------------                        ---------------------
Name: Edward Balderston, Jr.                      Drew K. Hostetter<PAGE>

Exhibit 10.11

                                   RENEWAL OF
                          EMPLOYMENT AGREEMENT BETWEEN

                             Charles W. Luppert, AND

                          SUSQUEHANNA BANCSHARES, INC.
                                  AND WNB BANK

     As of Wednesday, January 15, 2003, the employment of Charles W. Luppert is
hereby deemed to be renewed for three (3) years under the terms and conditions
per the Employment Agreement dated March 12, 2001 (but effective as of February
28, 2001), as amended.

     The base salary as per Section 4.1 will be $173,014 per year.

                                                SUSQUEHANNA BANCSHARES, INC.

Attest:

/s/ Lisa M. Cavage                              By: /s/ Edward Balderston, Jr.
------------------                                  --------------------------
Secretary                                       Edward Balderston, Jr.
Lisa M. Cavage                                  SVP & Group Executive

[SEAL]

Attest:
WNB Bank

/s/ Joan F. Stubler                             By: /s/ Chris W. Rager
-------------------                                -------------------
Treasurer                                       Chris W. Rager
                                                Vice President--Operations

<PAGE>
                               SECOND AMENDMENT TO
                              EMPLOYMENT AGREEMENT

     The Employment Agreement effective as of February 28, 2001, and amended by
the First Amendment to Employment Agreement dated January 18, 2002, by and
between SUSQUEHANNA BANCSHARES, INC., a Pennsylvania corporation organized as a
financial holding company under the Bank Holding Company Act of 1956, as amended
(the "Company"), WNB BANK, a Pennsylvania state-chartered bank and the successor
in interest to Williamsport National Bank (the "Bank"), on the one side, and
CHARLES W. LUPPERT, an adult individual whose principal residence is at 1618
Heather Lane, Williamsport, Pennsylvania 17701 (the "Employee"), is hereby
amended as follows:

     1. Subparagraph 10.5(b) is amended to read in its entirety as follows:

     "(b) all other employee benefits to which the Employee would have been
entitled under paragraph 7 hereof if he had remained in the employ of the
Company for the remainder of the Period of Employment. However, to the extent
that such employee benefits are provided by insurance companies and other
vendors not affiliated with the Company, the obligation of the Company and the
Bank to provide such employee benefits shall not exceed that to which the
Employee would be entitled under the contracts in force between the Company and
such vendors at the time of the event of termination under this subparagraph
10.5."

                      [THIS SPACE INTENTIONALLY LEFT BLANK]

       As so amended, said Employment Agreement is hereby confirmed, with the
intent to be legally bound, this 30th day of January, 2003.

                                            SUSQUEHANNA BANCSHARES, INC.

Attest: /s/ Lisa M. Cavage                  By: /s/ William J. Reuter
        ------------------                      ---------------------
Secretary                                   Name: William J. Reuter
                                            Title: President and CEO

                                            WNB BANK

Attest: /s/ Chris W. Rager                  By: /s/ Charles W. Luppert
        ------------------                      ----------------------
Secretary                                   Name:
                                            Title:

                                            EMPLOYEE

Witness:

/s/ Chris W. Rager                          /s/ Charles W. Luppert
------------------                          ----------------------
Name:                                       Charles W. Luppert

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