Document:

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                                  EXHIBIT 10.3

       Employment Contract dated December 28, 1999 between First West
               Virginia Bancorp, Inc. and Beverly A. Barker
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                          EMPLOYMENT AGREEMENT

           THIS AGREEMENT, made in triplicate on this 28th day of December,
1999, by and between FIRST WEST VIRGINIA BANCORP, INC., a West Virginia
corporation, (hereinafter, "Bancorp"), and BEVERLY A. BARKER, (hereinafter,
"Executive")

                         W I T N E S S E T H:
           WHEREAS, Executive is presently an employee of Bancorp pursuant to
an Employment Agreement dated Jan. 1, 1999;

           WHEREAS, Bancorp and Executive are desirous of continuing the
employment relationship between them upon the terms and conditions set forth
herein;

           WHEREAS, Bancorp and Executive desire to enter into this Agreement
and rescind and terminate all prior employment agreements or other
understandings between them.

           NOW THEREFORE, in consideration of the premises and of the mutual
covenants and conditions herein contained, and for other good and valuable
consideration, the receipt of which is hereby acknowledged, the parties
hereto, intending to be legally bound, do hereby agree as follows:

1.         EMPLOYMENT

           Bancorp does hereby employ Executive as its Senior Vice President
and Executive does hereby accept the employment as Senior Vice President of
Bancorp upon the terms herein set forth.  The parties agree that as of the
date of this Agreement, the previous employment agreement between them dated
January 1, 1999 is rescinded, terminated and no longer binding between them.

           Executive shall exercise (subject to the control of the Board of
Directors and Stockholders) a general supervision of the affairs of Bancorp
and its subsidiaries and shall devote her full business time and attention to
the business and affairs of Bancorp and its subsidiaries and use her best
efforts to promote the interests of Bancorp and its subsidiaries.

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           Executive shall discharge her duties faithfully and to the best of
her ability, and generally shall perform all duties incident to the office or
offices, and such other duties as may be assigned to her by the Board of
Directors.

           Executive shall hold such other office or offices in Bancorp or its
subsidiaries as the Board of Directors may elect or appoint her to and perform
the duties of such offices.

2.         TERM

           Executive's employment hereunder shall be effective January 1, 2000
and shall continue for a term of three (3) years thereafter, unless earlier
terminated as provided herein.

3.         COMPENSATION

           In consideration for all services to be rendered by Executive to
Bancorp and any of its subsidiaries:

           (a)  Bancorp shall cause to be paid to Executive a salary of no
less than $66,492.00 per annum for a period of three (3) years commencing
January 1, 2000, payable in equal bi-weekly installments.  Prior to the first
anniversary and second anniversary hereof, the Board of Directors shall review
Executive's salary and make such adjustments in the rate thereof as it shall
deem appropriate.  All references herein to compensation to be paid to
Executive are to the gross amounts thereof which are due hereunder.  Bancorp
shall cause to be deducted therefrom all taxes which may be required to be
deducted or withheld under any provision of the law (including but not limited
to Social Security payments and income tax withholding) now in effect or which
may become effective anytime during the term of this Agreement.  In addition
to such salary, Executive shall be eligible to receive discretionary bonuses
which may be granted by Bancorp, but which have been and at all times will
remain in the discretion of the Employer. Executive may also participate in
any health insurance

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benefit (including medical and major medical insurance), deferred compensation
benefit, accident and disability insurance benefit or other benefits as may be
offered to other employees of Bancorp and which may become effective anytime
during the term of this Agreement.

4.         TERMINATION

           In the event of termination of the employment of Executive by
Bancorp for any reason other than a cause defined below, Executive shall be
entitled to the full compensation provided by this Agreement.  In the event of
termination of the employment of Executive by Bancorp for a cause defined
below or in the event of termination of employment by the Executive for any
cause, including her death or disability which renders her unable to perform
the material duties of her employment, her compensation shall cease on the
effective date of such termination.  As used herein, the term "cause" shall
mean:

           (a)     A willful and intentional act of Executive intended to
injure or having the effect of injuring the reputation, business or business
relationship of Bancorp or its subsidiary businesses;

           (b)     Any breach of any covenant contained in this Agreement by
Executive;

           (c)     Repeated or continuous failure, neglect or refusal to
perform by Executive of her duties hereunder;

           (d)     Commission by Executive of any act or any failure by
Executive to act involving serious criminal conduct or moral turpitude or
which reflects materially and adversely on Bancorp or its subsidiary
businesses.

           Except for termination for cause and the expiration of the term of
this Agreement, each party agrees to provide the other with a minimum of
thirty (30) days' written notice of the termination of this Agreement.

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5.         EXTENT OF SERVICES

           The parties mutually agree that Executive is a key employee who is
vital to the success of Bancorp's operations and who has received and will
continue to receive confidential information and trade secrets of the Bancorp
and its subsidiary businesses in the course of her employment. Executive shall
devote her entire time, attention, and energies to the business of the Bancorp
and shall not during the term of this Agreement be engaged in any other
business activity, whether or not such business activity is pursued for gain,
profit, or other pecuniary advantage; but such provision shall not be
construed as preventing Executive from making private investments in such form
or manner as will not require any services or material commitments of time on
the part of the Executive.

6.         CONFIDENTIAL INFORMATION

           Executive recognizes and acknowledges that Bancorp has maintained,
and continues to maintain and use, commercially valuable proprietary and
confidential information, including without limitation, trade secrets,
customer lists, customer financial information and analysis of customers,
which information is vital to the success of Bancorp's business.  Executive
recognizes and acknowledges that she has had and will continue to have access
to such information, and Executive acknowledges that all such information are
valuable, special and unique assets of Bancorp's business.  Executive is aware
that such information is confidential and if used competitively against
Bancorp, would result in material disadvantage to Bancorp.  Executive agrees
that during the term of employment and at all times thereafter, she will
neither disclose without the advance consent of Bancorp any such confidential
information to any person, firm, corporation, association or other entity for
any reason or purpose whatsoever, except pursuant to judicial process of which
Bancorp shall have notice, nor shall she in any manner utilize the same to the
disadvantage of Bancorp or its subsidiary businesses.

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           In the event of termination of employment, for any reason,
Executive shall surrender to Bancorp, immediately, and as a prior condition to
receiving any amount of compensation payable herein, if any, all such
information, whether in tangible or electronic form, including in the case of
electronically stored information, all copies of the diskettes or other media
on which such information may be stored, and Executive shall certify upon
request that she has retained none of such information, in any form.

7.         INSURANCE

           Bancorp, in its sole discretion, may apply for insurance in its own
name and for its own benefit covering Executive for life, medical or
disability insurance, in any amount deemed advisable and Executive shall have
no right, title or interest therein.  Executive shall submit to any required
examination and shall execute and assign and/or deliver such application and
policies necessary to effectuate such insurance coverage.

8.         COVENANT NOT TO COMPETE

           Executive agrees that at no time during the term of this Agreement
and for a period of two (2) years immediately following the termination of
this Agreement by any party for any reason, will Executive, individually or on
behalf of any person or corporation other than Bancorp or its subsidiary
businesses, own manage, operate, control, be employed, participate in or be
connected in any manner with the ownership, management, operation or control
of any business engaged in the rendering of any banking or non-banking service
now or hereafter provided by Bancorp or its subsidiary businesses within a
thirty-five (35) mile radius of Bancorp's principal office located in
Wheeling, West Virginia.

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           Notwithstanding the foregoing, if Executive terminates her
employment within thirty (30) days following a Change of Control, this
paragraph 8 shall be deemed null and void so long as Executive is otherwise
not then in default of any portion of this Agreement.

          A Change of Control is defined as:

               (a)    the acquisition by any person or group outside the
                      present Directors and their beneficial ownership of
                      twenty percent (20%) or more of the stock of Bancorp
                      subsequent to the date of this Agreement;

               (b)    the approval of Bancorp of an agreement for the merger
                      of Bancorp into another corporation not controlled by
                      Bancorp;

               (c)    the entry by Bancorp into an Agreement for the sale of
                      substantially all of the assets of Bancorp to a third
                      party; or
               (d)    the approval by stockholders of a plan of liquidation
                      of Bancorp.

9.         NOTICES

           All notices, requests, demands and other communication hereunder
shall be in writing, and shall be deemed to have been duly given if personally
delivered or mailed:

           (a)  If to Executive, addressed to her at 66406 Greenbriar Drive,
St. Clairsville, Ohio 43950;

           (b)  If to Corporation, addressed to: First West Virginia Bancorp,
Inc. Attention: Chairperson, Personnel and Salary Committee, P.O. Box 4075,
Wheeling, West Virginia 26003, or to such other place as either party may
notify the other in writing.

10.        CONSTRUCTION OF AGREEMENT

           This Agreement was executed by the parties in accordance with and
be governed and interpreted in accordance with the laws of West Virginia.

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11.        BENEFITS AND BURDENS

           This Agreement shall inure to the benefit of and be binding on
Bancorp, its successors and assigns, and any corporation with which Bancorp
may merge or consolidate or to which Bancorp may sell substantially all of its
business and assets, and shall inure to the benefit of and be binding on
Executive, her executor, administrators, heirs and legal representatives.
Since Executive's duties and services hereunder are special, personal and
unique in nature, Executive may not transfer, sell or otherwise assign her
rights, obligations or benefits under this Agreement.  The waiver by Bancorp
of any breach of this Agreement by Executive shall not operate or be construed
as a waiver of any subsequent breach by the Executive.

12.        ENTIRE AGREEMENT

           This Agreement contains the entire Agreement between the parties
relating to the subject matter hereof and supersedes all previous discussions,
negotiations and agreements between the parties, whether written or oral, with
respect to the subject matter hereof.  This Agreement cannot be modified,
altered or amended except by a writing, signed by both parties.

13.        SEVERABILITY

           If any provision of this Agreement shall be held to be invalid or
unenforceable, such provision shall be fully severable and shall not affect or
impair the validity or enforceability of the remaining provisions of this
Agreement which shall continue to bind the parties hereto. In lieu of that
severable provision or provisions, a new provision shall be inserted which is
as close to the intent of severed provision as may be permitted by law but
which is still valid and fully enforceable.

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

                               /s/
                               --------------------------------------
                                    BEVERLY A. BARKER

                               FIRST WEST VIRGINIA BANCORP, INC.

                               BY: /s/    Laura G. Inman
                               --------------------------------------
                                       ITS CHAIRMAN OF THE BOARD

This document prepared by:
Michael E. Hooper, Esquire
W.Va. State Bar I.D. #4800
Herndon, Morton, Herndon & Yaeger
83 Edgington Lane
Wheeling, West Virginia  26003
(304) 242-2300CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS

         We consent to the use in this  Registration  Statement on Form 10-SB of
our report on YouthLine USA, Inc. and Subsidiary  dated February 22, 2000 on our
examinations  for the years ended December 31, 1998 and 1999. We also consent to
the reference to our firm under the caption "Experts".

MICHAEL C. FINKELSTEIN

Morganville, New Jersey
Certified Public Accountant
March 27, 2000

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