Document:

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                                                                    EXHIBIT 10.2

                              EMPLOYMENT AGREEMENT

         THIS EMPLOYMENT AGREEMENT (hereinafter referred to as this
"AGREEMENT"), entered into as of the 1st day of January, 2004, by and among
Winton Financial Corporation, a savings and loan holding company incorporated
under Ohio law (hereinafter referred to as "WFC"), The Winton Savings and Loan
Co., a savings and loan association incorporated under Ohio law and a
wholly-owned subsidiary of WFC (hereinafter referred to as "WINTON"), and
Gregory J. Bollin, an individual (hereinafter referred to as the "EMPLOYEE");

                                   WITNESSETH:

         WHEREAS, the EMPLOYEE is an employee of WFC and WINTON (hereinafter
collectively referred to as the "EMPLOYERS");

         WHEREAS, as a result of the skill, knowledge and experience of the
EMPLOYEE, the Boards of Directors of the EMPLOYERS desire to retain the services
of the EMPLOYEE as the Executive Vice President of WINTON and the Vice President
of WFC;

         WHEREAS, the EMPLOYEE desires to continue to serve as the Executive
Vice President of WINTON and the Vice President of WFC; and

         WHEREAS, the EMPLOYEE and the EMPLOYERS desire to enter into this
Agreement to set forth the terms and conditions of the employment relationship
between the EMPLOYERS and the EMPLOYEE;

         NOW, THEREFORE, in consideration of the premises and mutual covenants
herein contained, the EMPLOYERS and the EMPLOYEE hereby agree as follows:

         Section l. Employment and Term. Upon the terms and subject to the
conditions of this AGREEMENT, the EMPLOYERS hereby employ the EMPLOYEE, and the
EMPLOYEE hereby accepts employment, as the Executive Vice President of WINTON
and the Vice President of WFC. The term of this AGREEMENT shall commence on
January 1, 2004 and shall end on December 31, 2006 (hereinafter referred to as
the "TERM").

         Section 2. Duties of EMPLOYEE.

         (a)      General Duties and Responsibilities. As an officer of each of
the EMPLOYERS, the EMPLOYEE shall perform the duties and responsibilities
customary for such office to the best of his ability and in accordance with the
policies established by the Boards of Directors of the EMPLOYERS and all
applicable laws and regulations. The EMPLOYEE shall perform such other duties
not inconsistent with his position as may be assigned to him from time to time
by the Boards of Directors of the EMPLOYERS; provided, however, that the
EMPLOYERS shall employ the EMPLOYEE during the TERM in a senior executive
capacity without diminishment of the importance or prestige of his position.

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         (b)      Devotion of Entire Time to the Business of the EMPLOYERS. The
EMPLOYEE shall devote his entire productive time, ability and attention during
normal business hours throughout the TERM to the faithful performance of his
duties under this AGREEMENT. The EMPLOYEE shall not directly or indirectly
render any services of a business, commercial or professional nature to any
person or organization without the prior written consent of the Boards of
Directors of the EMPLOYERS; provided, however, that the EMPLOYEE shall not be
precluded from (i) vacations and other leave time in accordance with Section
3(e) hereof; (ii) reasonable participation in community, civic, charitable or
similar organizations; or (iii) the pursuit of personal investments which do not
interfere or conflict with the performance of the EMPLOYEE'S duties to the
EMPLOYERS.

         Section 3. Compensation, Benefits and Reimbursements.

         (a)      Salary. The EMPLOYEE shall receive during the TERM an annual
salary payable in equal installments not less often than monthly. The amount of
such annual salary shall be $149,000 until changed by the Boards of Directors of
the EMPLOYERS in accordance with Section 3(b) of this AGREEMENT or otherwise.

         (b)      Annual Salary Review. Each year throughout the TERM, the
annual salary and annual bonus of the EMPLOYEE shall be reviewed by the
Compensation Committee of the Board of Directors of WINTON and shall be set,
effective January l of the following year, at a total amount of not less than
$163,000, based upon the EMPLOYEE'S individual performance and the overall
profitability and financial condition of the EMPLOYERS (hereinafter referred to
as the "ANNUAL REVIEW"). The results of the ANNUAL REVIEW shall be reflected in
the minutes of the Compensation Committee.

         (c)      Expenses. In addition to any compensation received under
Section 3(a) or (b) of this AGREEMENT, the EMPLOYERS shall pay or reimburse the
EMPLOYEE for all reasonable travel, entertainment and miscellaneous expenses
incurred in connection with the performance of his duties under this AGREEMENT.
Such reimbursement shall be made in accordance with the existing policies and
procedures of the EMPLOYERS pertaining to reimbursement of expenses to senior
management officials.

         (d)      Employee Benefit Program.

                  (i)      During the TERM, the EMPLOYEE shall be entitled to
         participate in all formally established employee benefit, bonus,
         pension and profit-sharing plans and similar programs that are
         maintained by the EMPLOYERS from time to time, including programs in
         respect of group health, disability or life insurance, reimbursement of
         membership fees in civic, social and professional organizations and all
         employee benefit plans or programs hereafter adopted in writing by the
         Boards of Directors of the EMPLOYERS, for which senior management
         personnel are eligible, including any employee stock ownership plan,
         stock option plan or other stock benefit plan (hereinafter collectively
         referred to as the "BENEFIT PLANS"). Notwithstanding the foregoing
         sentence, the EMPLOYERS may discontinue or terminate at any time any
         such BENEFIT PLANS, now existing or hereafter adopted, to the extent
         permitted by the terms of such plans and shall not be required to
         compensate the EMPLOYEE for such discontinuance or termination.

                  (ii)     After the expiration of the TERM or the termination
         of the employment of the EMPLOYEE for any reason other than JUST CAUSE
         (as defined hereinafter), the

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         EMPLOYERS shall provide a group health insurance program in which the
         EMPLOYEE and his spouse will be eligible to participate until both the
         EMPLOYEE and his spouse become 65 years of age; provided, however that
         all premiums for such program shall be paid by the EMPLOYEE and/or his
         spouse after the EMPLOYEE'S termination of employment; provided
         further, however, that the EMPLOYEE and his spouse may only participate
         in such program for as long as the EMPLOYERS make available an employee
         group health insurance program which permits the EMPLOYERS to make
         coverage available for similarly situated retirees.

         (e)      Vacation and Sick Leave. The EMPLOYEE shall be entitled,
without loss of pay, to be absent voluntarily from the performance of his duties
under this AGREEMENT, subject to the following conditions:

                  (i)      The EMPLOYEE shall be entitled to an annual vacation
         in accordance with the policies periodically established by the Boards
         of Directors of the EMPLOYERS for senior management officials of the
         EMPLOYERS, the duration of which shall not be less than four weeks each
         calendar year;

                  (ii)     Vacation time shall be scheduled by the EMPLOYEE in a
         reasonable manner and shall be subject to approval by the Boards of
         Directors of the EMPLOYERS. The EMPLOYEE shall not be entitled to
         receive any additional compensation from the EMPLOYERS in the event of
         his failure to take the full allotment of vacation time in any calendar
         year; provided, however, that a maximum of one week of unused vacation
         time in any calendar year may be carried over into any succeeding
         calendar year; and

                  (iii)    The EMPLOYEE shall be entitled to annual sick leave
         as established by the Boards of Directors of the EMPLOYERS for senior
         management officials of the EMPLOYERS. In the event that any sick leave
         time shall not have been used during any calendar year, such leave
         shall accrue to subsequent calendar years, only to the extent
         authorized by the Boards of Directors of the EMPLOYERS. Upon
         termination of employment, the EMPLOYEE shall not be entitled to
         receive any additional compensation from the EMPLOYERS for unused sick
         leave.

         Section 4. Termination of Employment.

         (a)      General. The employment of the EMPLOYEE shall terminate at any
time during the TERM (i) at the option of the EMPLOYERS, upon the delivery by
the EMPLOYERS of written notice of termination to the EMPLOYEE, or (ii) at the
option of the EMPLOYEE, upon delivery by the EMPLOYEE of written notice of
termination to the EMPLOYERS if the present capacity or circumstances in which
the EMPLOYEE is employed are materially adversely changed without the EMPLOYEE's
written consent, including, but not limited to, a material reduction in
responsibilities or authority, the assignment of duties or responsibilities
substantially inconsistent with those normally associated with the EMPLOYEE'S
position described in Section 2(a) of this AGREEMENT, a change of title, the
requirement that the EMPLOYEE regularly perform his principal executive
functions more than thirty-five (35) miles from his primary office as of the
date of this AGREEMENT or the reduction of the EMPLOYEE'S benefits provided
under this AGREEMENT, unless the benefit reductions are part of a company-wide
reduction. The following subsections (I), (II) and (III) of this Section 4(a)
shall govern the obligations of the EMPLOYERS to the EMPLOYEE upon the
occurrence of the events described in such subparagraphs:

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                  (I)      Termination for JUST CAUSE. In the event that the
         EMPLOYERS terminate the employment of the EMPLOYEE during the TERM
         because of the EMPLOYEE'S personal dishonesty, incompetence, willful
         misconduct, breach of fiduciary duty involving personal profit,
         intentional failure or refusal to perform the duties and
         responsibilities assigned in this AGREEMENT, willful violation of any
         law, rule, regulation or final cease-and-desist order (other than
         traffic violations or similar offenses), conviction of a felony or for
         fraud or embezzlement, or material breach of any provision of this
         AGREEMENT (hereinafter collectively referred to as "JUST CAUSE"), the
         EMPLOYEE shall not receive, and shall have no right to receive, any
         compensation or other benefits for any period after such termination.

                  (II)     Termination after CHANGE OF CONTROL. In the event
         that, before the expiration of the TERM and in connection with or
         within one year of a CHANGE OF CONTROL (as defined hereinafter) of
         either one of the EMPLOYERS, the employment of the EMPLOYEE is
         terminated for any reason other than JUST CAUSE or is terminated by the
         EMPLOYEE as provided in Section 4(a)(ii) above, then the following
         shall occur:

                           (A)      The EMPLOYERS shall promptly pay to the
                  EMPLOYEE or to his beneficiaries, dependents or estate an
                  amount equal to the sum of (l) the amount of compensation to
                  which the EMPLOYEE would be entitled for the remainder of the
                  TERM under this AGREEMENT, plus (2) the difference between (x)
                  the product of three, multiplied by the greater of the annual
                  salary and bonus set forth in Section 3(b) of this AGREEMENT
                  or the annual salary and bonus payable to the EMPLOYEE as a
                  result of any ANNUAL REVIEW, less (xx) the amount paid to the
                  EMPLOYEE pursuant to clause (l) of this subparagraph (A);

                           (B)      The EMPLOYEE, his dependents, beneficiaries
                  and estate shall be covered under either the health, life and
                  disability plans of the EMPLOYER or the health, life and
                  disability plans of the successors, survivors or assigns of
                  the EMPLOYERS without any material diminution in coverage or
                  benefit at the expense of the EMPLOYERS or the successors,
                  survivors or assigns of the EMPLOYERS as if the EMPLOYEE were
                  still employed under this AGREEMENT until the earliest of the
                  expiration of the TERM or the date on which the EMPLOYEE is
                  included in another employer's benefit plans as a full-time
                  employee; and

                           (C)      The EMPLOYEE shall not be required to
                  mitigate the amount of any payment provided for in this
                  AGREEMENT by seeking other employment or otherwise, nor shall
                  any amounts received from other employment or otherwise by the
                  EMPLOYEE offset in any manner the obligations of the EMPLOYERS
                  hereunder, except as specifically stated in subparagraph (B)
                  above.

         Provided, however, that in the event that the value of the payments
         pursuant to this subsection (II), when combined with the value of other
         payments attributable to the same CHANGE OF CONTROL, would result in
         the imposition of a penalty tax pursuant to Section 280G(b)(3) of the
         Internal Revenue Code of 1986, as amended, and the regulations
         promulgated thereunder (hereinafter collectively referred to as
         "SECTION 280G"), such payments shall be reduced to the maximum amount
         which may be paid under SECTION 280G without exceeding such limits.
         This reduction will be applied through the following procedure:

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            (Y)      First, at least 30 days before the payment is due under
            this subsection (II), the EMPLOYER will apprise the EMPLOYEE of the
            value of each of the benefits payable because of the CHANGE OF
            CONTROL and the maximum amount which may be paid under SECTION 280G
            without exceeding such limits and afford the EMPLOYEE an opportunity
            to select the benefit (or portion of the benefit) to be reduced.

            (Z)      Second, if, before the end of that 30 day period, the
            EMPLOYEE apprises the EMPLOYER in writing of the benefit or benefits
            to be reduced (and the amount of each reduction), the EMPLOYEE'S
            election will be implemented and, subject to the next subparagraph,
            the adjusted payment made promptly.

         But, if, before the end of that 30 day period, the EMPLOYEE does not
         apprise the EMPLOYER of the benefit or benefits to be reduced or if the
         amount of the reductions the EMPLOYEE specifies does not reduce the
         value of all benefits payable because of the CHANGE OF CONTROL to the
         maximum amount that may be paid under SECTION 280G without exceeding
         such limits, the EMPLOYER will reduce the amount payable under this
         agreement by an amount needed to ensure that the limits imposed under
         SECTION 280G are not exceeded.

                  (III)    Termination Without CHANGE OF CONTROL. In the event
         that the employment of the EMPLOYEE is terminated before the expiration
         of the TERM for any reason other than death, JUST CAUSE or in
         connection with or within one year of a CHANGE OF CONTROL, the
         EMPLOYERS shall be obligated to continue (A) to pay on a monthly basis
         to the EMPLOYEE, his dependents, beneficiaries or estate, his annual
         salary provided pursuant to Section 3(a) or (b) of this AGREEMENT until
         the expiration of the TERM and (B) to provide to the EMPLOYEE, his
         dependents, beneficiaries and estate at the EMPLOYERS' expense, health,
         life, disability and other benefits substantially equal to those being
         provided to the EMPLOYEE at the date of termination of his employment
         until the earliest to occur of the expiration of the TERM or the date
         the EMPLOYEE becomes employed full-time by another employer; provided,
         however, that in the event that payments pursuant to this subsection
         (III) would result in the imposition of a penalty tax pursuant to
         SECTION 280G, such payments shall be reduced to the maximum amount
         which may be paid under SECTION 280G without exceeding those limits.
         The EMPLOYEE shall not be required to mitigate the amount of any
         payment provided for in this AGREEMENT by seeking other employment or
         otherwise, nor shall any amounts received from other employment or
         otherwise by the EMPLOYEE offset in any manner the obligations of the
         EMPLOYERS hereunder, except as specifically stated in subparagraph
         (III)(B) above.

         (b)      Death of the EMPLOYEE. The TERM automatically terminates upon
the death of the EMPLOYEE, unless the employment of EMPLOYEE has been terminated
prior to EMPLOYEE's death pursuant to Section 4(a) of this AGREEMENT. In the
event of such death, the EMPLOYEE'S estate shall be entitled to receive the
compensation due the EMPLOYEE through the last day of the calendar month in
which the death occurred, except as otherwise specified herein.

         (c)      "Golden Parachute" Provision. Any payments made to the
EMPLOYEE pursuant to this AGREEMENT, or otherwise, are subject to and
conditioned upon their compliance with 12 U.S.C. Section 1828(k) and FDIC
regulation 12 C.F.R. Part 359, Golden Parachute and Indemnification Payments.

<PAGE>

         (d)      Definition of "CHANGE OF CONTROL". A "CHANGE OF CONTROL" shall
mean any one of the following events: (i) the acquisition of ownership or power
to vote more than 25% of the voting stock of either of the EMPLOYERS; (ii) the
acquisition of the ability to control the election of a majority of the
directors of either of the EMPLOYERS; (iii) during any period of two consecutive
years, individuals who at the beginning of such period constitute the Board of
Directors of WFC or WINTON cease for any reason to constitute at least a
majority thereof; provided, however, that any individual whose election or
nomination for election as a member of the Board of Directors of WFC or WINTON
was approved by a vote of at least two-thirds of the directors then in office
shall be considered to have continued to be a member of the Board of Directors
of WFC or WINTON; or (iv) the acquisition by any person or entity of "conclusive
control" of WINTON within the meaning of 12 C.F.R. Section 574.4(a), or the
acquisition by any person or entity of "rebuttable control" within the meaning
of 12 C.F.R. Section 574.4(b) that has not been rebutted in accordance with 12
C.F.R. Section 574.4(c). For purposes of this paragraph, the term "person"
refers to an individual or corporation, partnership, trust, association, or
other organization, but does not include the EMPLOYEE and any person or persons
with whom the EMPLOYEE is "acting in concert" within the meaning of 12 C.F.R.
Part 574.

         Section 5. Special Regulatory Events. Notwithstanding Section 4 of this
AGREEMENT, the obligations of the EMPLOYERS to the EMPLOYEE shall be as follows
in the event of the following circumstances:

         (a)      If the EMPLOYEE is suspended and/or temporarily prohibited
from participating in the conduct of the EMPLOYERS' affairs by a notice served
under Section 8(e)(3) or (g)(1) of the Federal Deposit Insurance Act
(hereinafter referred to as the "FDIA"), the EMPLOYERS' obligations under this
AGREEMENT shall be suspended as of the date of service of such notice, unless
stayed by appropriate proceedings. If the charges in the notice are dismissed,
the EMPLOYERS may, in their discretion, pay the EMPLOYEE all or part of the
compensation withheld while the obligations in this AGREEMENT were suspended and
reinstate, in whole or in part, any of the obligations that were suspended.

         (b)      If the EMPLOYEE is removed and/or permanently prohibited from
participating in the conduct of the EMPLOYERS' affairs by an order issued under
Section 8(e)(4) or (g)(l) of the FDIA, all obligations of the EMPLOYERS under
this AGREEMENT shall terminate as of the effective date of such order; provided,
however, that vested rights of the EMPLOYEE shall not be affected by such
termination.

         (c)      If the EMPLOYERS are in default, as defined in Section 3(x)(1)
of the FDIA, all obligations under this AGREEMENT shall terminate as of the date
of default; provided, however, that vested rights of the EMPLOYEE shall not be
affected.

         (d)      All obligations under this AGREEMENT shall be terminated,
except to the extent of a determination that the continuation of this AGREEMENT
is necessary for the continued operation of the EMPLOYERS, (i) by the Director
of the Office of Thrift Supervision (hereinafter referred to as the "OTS"), or
his or her designee, at the time that the Federal Deposit Insurance Corporation
enters into an agreement to provide assistance to or on behalf of the EMPLOYERS
under the authority contained in Section 13(c) of the FDIA; or (ii) by the
Director of the OTS, or his or her designee, at any time the Director of the
OTS, or his or her designee, approves a supervisory merger to resolve problems
related to the operation of the EMPLOYERS or when the EMPLOYERS are determined
by the Director of the OTS to be in an unsafe or unsound condition. No vested
rights of the EMPLOYEE shall be affected by any such action.

<PAGE>

         Section 6. Consolidation, Merger or Sale of Assets. Nothing in this
AGREEMENT shall preclude the EMPLOYERS from consolidating with, merging into, or
transferring all, or substantially all, of their assets to another corporation
that assumes all of the EMPLOYERS' obligations and undertakings hereunder. Upon
such a consolidation, merger or transfer of assets, the term "EMPLOYERS" as used
herein shall mean such other corporation or entity and this AGREEMENT shall
continue in full force and effect; provided, however, that the assumption of the
EMPLOYERS' obligations and undertakings hereunder shall not affect the
EMPLOYEE'S right to payments pursuant to Section 4(a)(II) of this AGREEMENT in
connection with such consolidation, merger or transfer of assets.

         Section 7. Confidential Information. The EMPLOYEE acknowledges that
during his employment he will learn and have access to confidential information
regarding the EMPLOYERS and their customers and businesses. The EMPLOYEE agrees
and covenants not to disclose or use for his own benefit, or the benefit of any
other person or entity, any confidential information, unless or until the
EMPLOYERS' consent to such disclosure or use or such information becomes common
knowledge in the industry or is otherwise legally in the public domain. The
EMPLOYEE shall not knowingly disclose or reveal to any unauthorized person any
confidential information relating to the EMPLOYERS, their subsidiaries or
affiliates, or to any of the businesses operated by them, and the EMPLOYEE
confirms that such information constitutes the exclusive property of the
EMPLOYERS. The EMPLOYEE shall not otherwise knowingly act or conduct himself (a)
to the material detriment of the EMPLOYERS, their subsidiaries, or affiliates,
or (b) in a manner which is inimical or contrary to the interests of the
EMPLOYERS.

         Section 8. Nonassignability. Neither this AGREEMENT nor any right or
interest hereunder shall be assignable by the EMPLOYEE, his beneficiaries, or
legal representatives without the EMPLOYERS' prior written consent; provided,
however, that nothing in this Section 8 shall preclude (a) the EMPLOYEE from
designating a beneficiary to receive any benefits payable hereunder upon his
death, or (b) the executors, administrators, or other legal representatives of
the EMPLOYEE or his estate from assigning any rights hereunder to the person or
persons entitled thereto.

         Section 9. No Attachment. Except as required by law, no right to
receive payment under this AGREEMENT shall be subject to anticipation,
commutation, alienation, sale, assignment, encumbrance, charge, pledge or
hypothecation or to execution, attachment, levy, or similar process of
assignment by operation of law, and any attempt, voluntary or involuntary, to
effect any such action shall be null, void and of no effect.

         Section 10. Binding Agreement. This AGREEMENT shall be binding upon,
and inure to the benefit of, the EMPLOYEE and the EMPLOYERS and their respective
permitted successors and assigns.

         Section 11. Amendment of AGREEMENT. This AGREEMENT may not be modified
or amended, except by an instrument in writing signed by the parties hereto.

         Section 12. Waiver. No term or condition of this AGREEMENT shall be
deemed to have been waived, nor shall there be an estoppel against the
enforcement of any provision of this AGREEMENT, except by written instrument of
the party charged with such waiver or estoppel. No such written waiver shall be
deemed a continuing waiver, unless specifically stated therein, and each

<PAGE>

waiver shall operate only as to the specific term or condition waived and shall
not constitute a waiver of such term or condition for the future or as to any
act other than the act specifically waived.

         Section 13. Severability. If, for any reason, any provision of this
AGREEMENT is held invalid, such invalidity shall not affect the other provisions
of this AGREEMENT not held so invalid, and each such other provision shall, to
the full extent consistent with applicable law, continue in full force and
effect. If this AGREEMENT is held invalid or cannot be enforced, then any prior
AGREEMENT between the EMPLOYERS (or any predecessor thereof) and the EMPLOYEE
shall be deemed reinstated to the full extent permitted by law, as if this
AGREEMENT had not been executed.

         Section 14. Headings. The headings of the paragraphs herein are
included solely for convenience of reference and shall not control the meaning
or interpretation of any of the provisions of this AGREEMENT.

         Section 15. Governing Law. This AGREEMENT has been executed and
delivered in the State of Ohio and its validity, interpretation, performance,
and enforcement shall be governed by the laws of this State of Ohio, except to
the extent that federal law is governing.

         Section 16. Effect of Prior Agreements. This AGREEMENT contains the
entire understanding between the parties hereto and supersedes any prior
employment agreement between the EMPLOYERS and the EMPLOYEE, each of which is
hereby terminated and is of no further force or effect.

         Section 17. Notices. Any notice or other communication required or
permitted pursuant to this AGREEMENT shall be deemed delivered if such notice or
communication is in writing and is delivered personally or by facsimile
transmission or is deposited in the United States mail, postage prepaid,
addressed as follows:

         If to Winton Financial Corporation and/or The Winton Savings & Loan
Co.:

                           President
                           Winton Financial Corporation
                           5511 Cheviot Road
                           Cincinnati, Ohio  45247-7095

         With copies to:

                           John C. Vorys, Esq.
                           Vorys, Sater, Seymour and Pease LLP
                           Suite 2000, Atrium Two
                           221 East Fourth Street
                           Cincinnati, Ohio  45202

<PAGE>

         If to the EMPLOYEE to:

                           Gregory J. Bollin
                           4440 Hubble Road
                           Cincinnati, Ohio  45247

         IN WITNESS WHEREOF, the EMPLOYERS have caused this AGREEMENT to be
executed by their duly authorized officers, and the EMPLOYEE has signed this
AGREEMENT, each as of the day and year first above written.

Attest:                                  WINTON FINANCIAL CORPORATION

/s/ Mary Beth Doll                       By /s/ Robert L. Bollin
---------------------------------           ------------------------------------
                                            ------------------------------------
                                            its  President

Attest:                                  THE WINTON SAVINGS AND LOAN
                                     CO.

/s/ Karen L. Hack                        By /s/ Robert L. Bollin
---------------------------------           ------------------------------------
                                            ------------------------------------
                                            its  President

Attest:

/s/ Gregory J. Stautberg                 /s/ Gregory J. Bollin
---------------------------------        ---------------------------------------
                                         Gregory J. Bollin<PAGE>

                                                                    EXHIBIT 10.3

                              EMPLOYMENT AGREEMENT

         THIS EMPLOYMENT AGREEMENT (hereinafter referred to as this
"AGREEMENT"), entered into as of the 1st day of January, 2004, by and among
Winton Financial Corporation, a savings and loan holding company incorporated
under Ohio law (hereinafter referred to as "WFC"), The Winton Savings and Loan
Co., a savings and loan association incorporated under Ohio law and a
wholly-owned subsidiary of WFC (hereinafter referred to as "WINTON"), and Jill
M. Burke, an individual (hereinafter referred to as the "EMPLOYEE");

                                   WITNESSETH:

         WHEREAS, the EMPLOYEE is currently employed as the Chief Financial
Officer of WFC and WINTON (hereinafter collectively referred to as the
"EMPLOYERS");

         WHEREAS, as a result of the skill, knowledge and experience of the
EMPLOYEE, the Boards of Directors of the EMPLOYERS desire to retain the services
of the EMPLOYEE as the Chief Financial Officer of WINTON and WFC;

         WHEREAS, the EMPLOYEE desires to continue to serve as the Chief
Financial Officer of WINTON and WFC; and

         WHEREAS, the EMPLOYEE and the EMPLOYERS desire to enter into this
Agreement to set forth the terms and conditions of the employment relationship
between the EMPLOYERS and the EMPLOYEE;

         NOW, THEREFORE, in consideration of the premises and mutual covenants
herein contained, the EMPLOYERS and the EMPLOYEE hereby agree as follows:

         Section l. Employment and Term. Upon the terms and subject to the
conditions of this AGREEMENT, the EMPLOYERS hereby employ the EMPLOYEE, and the
EMPLOYEE hereby accepts employment, as the Chief Financial Officer of WINTON and
of WFC. The term of this AGREEMENT shall commence on January 1, 2004 and shall
end on December 31, 2006 (hereinafter referred to as the "TERM").

         Section 2. Duties of EMPLOYEE.

         (a)      General Duties and Responsibilities. The EMPLOYEE shall serve
as the Chief Financial Officer of the EMPLOYERS. Subject to the direction of the
Boards of Directors of the EMPLOYERS, the EMPLOYEE shall perform all duties and
shall have all powers which are commonly incident to the office of Chief
Financial Officer or which, consistent therewith, are delegated to her by the
Board of Directors. Such duties may include, but shall not be limited to,
assisting in the development of policies and strategic objectives pertaining to
fiscal control and operating results, directing and coordinating the investment,
accounting and controlling activities of the EMPLOYERS, and preparation of
financial reports.

<PAGE>

         (b)      Devotion of Entire Time to the Business of the EMPLOYERS. The
EMPLOYEE shall devote her entire productive time, ability and attention during
normal business hours throughout the TERM to the faithful performance of her
duties under this AGREEMENT. The EMPLOYEE shall not directly or indirectly
render any services of a business, commercial or professional nature to any
person or organization without the prior written consent of the Boards of
Directors of the EMPLOYERS; provided, however, that the EMPLOYEE shall not be
precluded from (i) vacations and other leave time in accordance with Section
3(e) hereof; (ii) reasonable participation in community, civic, charitable or
similar organizations; or (iii) the pursuit of personal investments which do not
interfere or conflict with the performance of the EMPLOYEE'S duties to the
EMPLOYERS.

         Section 3. Compensation, Benefits and Reimbursements.

         (a)      Salary. The EMPLOYEE shall receive during the TERM an annual
salary payable in equal installments not less often than monthly. The amount of
such annual salary shall be $105,000 until changed by the Boards of Directors of
the EMPLOYERS in accordance with Section 3(b) of this AGREEMENT or otherwise.

         (b)      Annual Salary Review. Each year throughout the TERM, the
annual salary and annual bonus of the EMPLOYEE shall be reviewed by the
Compensation Committee of the Board of Directors of WINTON and shall be set,
effective January l of the following year, at a total amount of not less than
$119,400, based upon the EMPLOYEE'S individual performance and the overall
profitability and financial condition of the EMPLOYERS (hereinafter referred to
as the "ANNUAL REVIEW"). The results of the ANNUAL REVIEW shall be reflected in
the minutes of the Compensation Committee.

         (c)      Expenses. In addition to any compensation received under
Section 3(a) or (b) of this AGREEMENT, the EMPLOYERS shall pay or reimburse the
EMPLOYEE for all reasonable travel, entertainment and miscellaneous expenses
incurred in connection with the performance of her duties under this AGREEMENT.
Such reimbursement shall be made in accordance with the existing policies and
procedures of the EMPLOYERS pertaining to reimbursement of expenses to senior
management officials.

         (d)      Employee Benefit Program.

                  (i)      During the TERM, the EMPLOYEE shall be entitled to
         participate in all formally established employee benefit, bonus,
         pension and profit-sharing plans and similar programs that are
         maintained by the EMPLOYERS from time to time, including programs in
         respect of group health, disability or life insurance, reimbursement of
         membership fees in civic, social and professional organizations and all
         employee benefit plans or programs hereafter adopted in writing by the
         Boards of Directors of the EMPLOYERS, for which senior management
         personnel are eligible, including any employee stock ownership plan,
         stock option plan or other stock benefit plan (hereinafter collectively
         referred to as the "BENEFIT PLANS"). Notwithstanding the foregoing
         sentence, the EMPLOYERS may discontinue or terminate at any time any
         such BENEFIT PLANS, now existing or hereafter adopted, to the extent
         permitted by the terms of such plans and shall not be required to
         compensate the EMPLOYEE for such discontinuance or termination.

<PAGE>

                  (ii)     After the expiration of the TERM or the termination
         of the employment of the EMPLOYEE for any reason other than JUST CAUSE
         (as defined hereinafter), the EMPLOYERS shall provide a group health
         insurance program in which the EMPLOYEE and her spouse will be eligible
         to participate until both the EMPLOYEE and her spouse become 65 years
         of age; provided, however that all premiums for such program shall be
         paid by the EMPLOYEE and/or her spouse after the EMPLOYEE'S termination
         of employment; provided further, however, that the EMPLOYEE and her
         spouse may only participate in such program for as long as the
         EMPLOYERS make available an employee group health insurance program
         which permits the EMPLOYERS to make coverage available for similarly
         situated retirees.

         (e)      Vacation and Sick Leave. The EMPLOYEE shall be entitled,
without loss of pay, to be absent voluntarily from the performance of her duties
under this AGREEMENT, subject to the following conditions:

                  (i)      The EMPLOYEE shall be entitled to an annual vacation
         in accordance with the policies periodically established by the Boards
         of Directors of the EMPLOYERS for senior management officials of the
         EMPLOYERS, the duration of which shall not be less than four weeks each
         calendar year;

                  (ii)     Vacation time shall be scheduled by the EMPLOYEE in a
         reasonable manner and shall be subject to approval by the Boards of
         Directors of the EMPLOYERS. The EMPLOYEE shall not be entitled to
         receive any additional compensation from the EMPLOYERS in the event of
         her failure to take the full allotment of vacation time in any calendar
         year; provided, however, that a maximum of one week of unused vacation
         time in any calendar year may be carried over into any succeeding
         calendar year; and

                  (iii)    The EMPLOYEE shall be entitled to annual sick leave
         as established by the Boards of Directors of the EMPLOYERS for senior
         management officials of the EMPLOYERS. In the event that any sick leave
         time shall not have been used during any calendar year, such leave
         shall accrue to subsequent calendar years, only to the extent
         authorized by the Boards of Directors of the EMPLOYERS. Upon
         termination of employment, the EMPLOYEE shall not be entitled to
         receive any additional compensation from the EMPLOYERS for unused sick
         leave.

<PAGE>

         Section 4. Termination of Employment.

         (a)      General. The employment of the EMPLOYEE shall terminate at any
time during the TERM (i) at the option of the EMPLOYERS, upon the delivery by
the EMPLOYERS of written notice of termination to the EMPLOYEE, or (ii) at the
option of the EMPLOYEE, upon delivery by the EMPLOYEE of written notice of
termination to the EMPLOYERS if the present capacity or circumstances in which
the EMPLOYEE is employed are materially adversely changed without the EMPLOYEE's
written consent, including, but not limited to, a material reduction in
responsibilities or authority, the assignment of duties or responsibilities
substantially inconsistent with those normally associated with the EMPLOYEE'S
position described in Section 2(a) of this AGREEMENT, a change of title, the
requirement that the EMPLOYEE regularly perform her principal executive
functions more than thirty-five (35) miles from her primary office as of the
date of this AGREEMENT or the reduction of the EMPLOYEE'S benefits provided
under this AGREEMENT, unless the benefit reductions are part of a company-wide
reduction. The following subsections (I), (II) and (III) of this Section 4(a)
shall govern the obligations of the EMPLOYERS to the EMPLOYEE upon the
occurrence of the events described in such subparagraphs:

                  (I)      Termination for JUST CAUSE. In the event that the
         EMPLOYERS terminate the employment of the EMPLOYEE during the TERM
         because of the EMPLOYEE'S personal dishonesty, incompetence, willful
         misconduct, breach of fiduciary duty involving personal profit,
         intentional failure or refusal to perform the duties and
         responsibilities assigned in this AGREEMENT, willful violation of any
         law, rule, regulation or final cease-and-desist order (other than
         traffic violations or similar offenses), conviction of a felony or for
         fraud or embezzlement, or material breach of any provision of this
         AGREEMENT (hereinafter collectively referred to as "JUST CAUSE"), the
         EMPLOYEE shall not receive, and shall have no right to receive, any
         compensation or other benefits for any period after such termination.

                  (II)     Termination after CHANGE OF CONTROL. In the event
         that, before the expiration of the TERM and in connection with or
         within one year of a CHANGE OF CONTROL (as defined hereinafter) of
         either one of the EMPLOYERS, the employment of the EMPLOYEE is
         terminated for any reason other than JUST CAUSE or is terminated by the
         EMPLOYEE as provided in Section 4(a)(ii) above, then the following
         shall occur:

                           (A)      The EMPLOYERS shall promptly pay to the
                  EMPLOYEE or to her beneficiaries, dependents or estate an
                  amount equal to the sum of (l) the amount of compensation to
                  which the EMPLOYEE would be entitled for the remainder of the
                  TERM under this AGREEMENT, plus (2) the difference between (x)
                  the product of three, multiplied by the greater of the annual
                  salary and bonus set forth in Section 3(b) of this AGREEMENT
                  or the annual salary and bonus payable to the EMPLOYEE as a
                  result of any ANNUAL REVIEW, less (xx) the amount paid to the
                  EMPLOYEE pursuant to clause (l) of this subparagraph (A);

         (B)      The EMPLOYEE, his dependents, beneficiaries and estate shall
                  be covered under either the health, life and disability plans
                  of the EMPLOYER or the health, life and disability plans of
                  the successors, survivors or assigns of the EMPLOYERS without
                  any material diminution in coverage or benefit at the expense
                  of the EMPLOYERS or the successors, survivors or assigns of
                  the EMPLOYERS as if the EMPLOYEE were still employed under
                  this AGREEMENT until the earliest of the expiration of the
                  TERM or the date on

<PAGE>

                  which the EMPLOYEE is included in another employer's benefit
                  plans as a full-time employee; and

                           (C)      The EMPLOYEE shall not be required to
                  mitigate the amount of any payment provided for in this
                  AGREEMENT by seeking other employment or otherwise, nor shall
                  any amounts received from other employment or otherwise by the
                  EMPLOYEE offset in any manner the obligations of the EMPLOYERS
                  hereunder, except as specifically stated in subparagraph (B)
                  above.

         Provided, however, that in the event that the value of the payments
         pursuant to this subsection (II), when combined with the value of other
         payments attributable to the same CHANGE OF CONTROL, would result in
         the imposition of a penalty tax pursuant to Section 280G(b)(3) of the
         Internal Revenue Code of 1986, as amended, and the regulations
         promulgated thereunder (hereinafter collectively referred to as
         "SECTION 280G"), such payments shall be reduced to the maximum amount
         which may be paid under SECTION 280G without exceeding such limits.
         This reduction will be applied through the following procedure:

            (Y)     First, at least 30 days before the payment is due under this
            subsection (II), the EMPLOYER will apprise the EMPLOYEE of the value
            of each of the benefits payable because of the CHANGE OF CONTROL and
            the maximum amount which may be paid under SECTION 280G without
            exceeding such limits and afford the EMPLOYEE an opportunity to
            select the benefit (or portion of the benefit) to be reduced.

            (Z)     Second, if, before the end of that 30 day period, the
            EMPLOYEE apprises the EMPLOYER in writing of the benefit or benefits
            to be reduced (and the amount of each reduction), the EMPLOYEE'S
            election will be implemented and, subject to the next subparagraph,
            the adjusted payment made promptly.

         But, if, before the end of that 30 day period, the EMPLOYEE does not
         apprise the EMPLOYER of the benefit or benefits to be reduced or if the
         amount of the reductions the EMPLOYEE specifies does not reduce the
         value of all benefits payable because of the CHANGE OF CONTROL to the
         maximum amount that may be paid under SECTION 280G without exceeding
         such limits, the EMPLOYER will reduce the amount payable under this
         agreement by an amount needed to ensure that the limits imposed under
         SECTION 280G are not exceeded.

                  (III)    Termination Without CHANGE OF CONTROL. In the event
         that the employment of the EMPLOYEE is terminated before the expiration
         of the TERM for any reason other than death, JUST CAUSE or in
         connection with or within one year of a CHANGE OF CONTROL, the
         EMPLOYERS shall be obligated to continue (A) to pay on a monthly basis
         to the EMPLOYEE, her dependents, beneficiaries or estate, her annual
         salary provided pursuant to Section 3(a) or (b) of this AGREEMENT until
         the expiration of the TERM and (B) to provide to the EMPLOYEE, her
         dependents, beneficiaries and estate at the EMPLOYERS' expense, health,
         life, disability and other benefits substantially equal to those being
         provided to the EMPLOYEE at the date of termination of her employment
         until the earliest to occur of the expiration of the TERM or the date
         the EMPLOYEE becomes employed full-time by another employer; provided,
         however, that in the event that payments pursuant to this subsection
         (III) would result in the imposition of a penalty tax pursuant to
         SECTION 280G, such payments shall be reduced to the maximum amount
         which may be paid under SECTION 280G without exceeding those limits.

<PAGE>

         The EMPLOYEE shall not be required to mitigate the amount of any
         payment provided for in this AGREEMENT by seeking other employment or
         otherwise, nor shall any amounts received from other employment or
         otherwise by the EMPLOYEE offset in any manner the obligations of the
         EMPLOYERS hereunder, except as specifically stated in subparagraph
         (III)(B) above.

         (b)      Death of the EMPLOYEE. The TERM automatically terminates upon
the death of the EMPLOYEE, unless the employment of EMPLOYEE has been terminated
prior to EMPLOYEE's death pursuant to Section 4(a) of this AGREEMENT. In the
event of such death, the EMPLOYEE'S estate shall be entitled to receive the
compensation due the EMPLOYEE through the last day of the calendar month in
which the death occurred, except as otherwise specified herein.

         (c)      "Golden Parachute" Provision. Any payments made to the
EMPLOYEE pursuant to this AGREEMENT, or otherwise, are subject to and
conditioned upon their compliance with 12 U.S.C. Section 1828(k) and FDIC
regulation 12 C.F.R. Part 359, Golden Parachute and Indemnification Payments.

         (d)      Definition of "CHANGE OF CONTROL". A "CHANGE OF CONTROL" shall
mean any one of the following events: (i) the acquisition of ownership or power
to vote more than 25% of the voting stock of either of the EMPLOYERS; (ii) the
acquisition of the ability to control the election of a majority of the
directors of either of the EMPLOYERS; (iii) during any period of two consecutive
years, individuals who at the beginning of such period constitute the Board of
Directors of WFC or WINTON cease for any reason to constitute at least a
majority thereof; provided, however, that any individual whose election or
nomination for election as a member of the Board of Directors of WFC or WINTON
was approved by a vote of at least two-thirds of the directors then in office
shall be considered to have continued to be a member of the Board of Directors
of WFC or WINTON; or (iv) the acquisition by any person or entity of "conclusive
control" of WINTON within the meaning of 12 C.F.R. Section 574.4(a), or the
acquisition by any person or entity of "rebuttable control" within the meaning
of 12 C.F.R. Section 574.4(b) that has not been rebutted in accordance with 12
C.F.R. Section 574.4(c). For purposes of this paragraph, the term "person"
refers to an individual or corporation, partnership, trust, association, or
other organization, but does not include the EMPLOYEE and any person or persons
with whom the EMPLOYEE is "acting in concert" within the meaning of 12 C.F.R.
Part 574.

         (e)      Termination by EMPLOYEE. If the EMPLOYEE terminates this
AGREEMENT without the written consent of the EMPLOYERS, other than pursuant to
Section 4(a)(ii) of this AGREEMENT, the EMPLOYEE shall not engage in the
financial institutions business as a director, officer, employee or consultant
for any business or enterprise which competes with the principal business of the
EMPLOYERS or any of their subsidiaries within Hamilton County or any other
geographic area in which WINTON or WFC is doing business for the unexpired TERM
of this AGREEMENT. This provision shall not apply in the event of the
termination of the employment of the EMPLOYEE by the EMPLOYERS prior to the
expiration of the TERM or the termination of the employment of the EMPLOYEE by
the EMPLOYEE pursuant to Section 4(a)(ii) of this AGREEMENT.

         Section 5. Special Regulatory Events. Notwithstanding Section 4 of this
AGREEMENT, the obligations of the EMPLOYERS to the EMPLOYEE shall be as follows
in the event of the following circumstances:

<PAGE>

         (a)      If the EMPLOYEE is suspended and/or temporarily prohibited
from participating in the conduct of the EMPLOYERS' affairs by a notice served
under Section 8(e)(3) or (g)(1) of the Federal Deposit Insurance Act
(hereinafter referred to as the "FDIA"), the EMPLOYERS' obligations under this
AGREEMENT shall be suspended as of the date of service of such notice, unless
stayed by appropriate proceedings. If the charges in the notice are dismissed,
the EMPLOYERS may, in their discretion, pay the EMPLOYEE all or part of the
compensation withheld while the obligations in this AGREEMENT were suspended and
reinstate, in whole or in part, any of the obligations that were suspended.

         (b)      If the EMPLOYEE is removed and/or permanently prohibited from
participating in the conduct of the EMPLOYERS' affairs by an order issued under
Section 8(e)(4) or (g)(l) of the FDIA, all obligations of the EMPLOYERS under
this AGREEMENT shall terminate as of the effective date of such order; provided,
however, that vested rights of the EMPLOYEE shall not be affected by such
termination.

         (c)      If the EMPLOYERS are in default, as defined in Section 3(x)(1)
of the FDIA, all obligations under this AGREEMENT shall terminate as of the date
of default; provided, however, that vested rights of the EMPLOYEE shall not be
affected.

         (d)      All obligations under this AGREEMENT shall be terminated,
except to the extent of a determination that the continuation of this AGREEMENT
is necessary for the continued operation of the EMPLOYERS, (i) by the Director
of the Office of Thrift Supervision (hereinafter referred to as the "OTS"), or
his or her designee, at the time that the Federal Deposit Insurance Corporation
enters into an agreement to provide assistance to or on behalf of the EMPLOYERS
under the authority contained in Section 13(c) of the FDIA; or (ii) by the
Director of the OTS, or his or her designee, at any time the Director of the
OTS, or his or her designee, approves a supervisory merger to resolve problems
related to the operation of the EMPLOYERS or when the EMPLOYERS are determined
by the Director of the OTS to be in an unsafe or unsound condition. No vested
rights of the EMPLOYEE shall be affected by any such action.

         Section 6. Consolidation, Merger or Sale of Assets. Nothing in this
AGREEMENT shall preclude the EMPLOYERS from consolidating with, merging into, or
transferring all, or substantially all, of their assets to another corporation
that assumes all of the EMPLOYERS' obligations and undertakings hereunder. Upon
such a consolidation, merger or transfer of assets, the term "EMPLOYERS" as used
herein shall mean such other corporation or entity and this AGREEMENT shall
continue in full force and effect; provided, however, that the assumption of the
EMPLOYERS' obligations and undertakings hereunder shall not affect the
EMPLOYEE'S right to payments pursuant to Section 4(a)(II) of this AGREEMENT in
connection with such consolidation, merger or transfer of assets.

         Section 7. Confidential Information. The EMPLOYEE acknowledges that
during her employment she will learn and have access to confidential information
regarding the EMPLOYERS and their customers and businesses. The EMPLOYEE agrees
and covenants not to disclose or use for her own benefit, or the benefit of any
other person or entity, any confidential information, unless or until the
EMPLOYERS' consent to such disclosure or use or such information becomes common
knowledge in the industry or is otherwise legally in the public domain. The
EMPLOYEE shall not knowingly disclose or reveal to any unauthorized person any
confidential information relating to the EMPLOYERS, their subsidiaries or
affiliates, or to any of the businesses operated by them, and the EMPLOYEE
confirms that such information constitutes the exclusive property of the
EMPLOYERS. The EMPLOYEE shall

<PAGE>

not otherwise knowingly act or conduct himself (a) to the material detriment of
the EMPLOYERS, their subsidiaries, or affiliates, or (b) in a manner which is
inimical or contrary to the interests of the EMPLOYERS.

         Section 8. Nonassignability. Neither this AGREEMENT nor any right or
interest hereunder shall be assignable by the EMPLOYEE, her beneficiaries, or
legal representatives without the EMPLOYERS' prior written consent; provided,
however, that nothing in this Section 8 shall preclude (a) the EMPLOYEE from
designating a beneficiary to receive any benefits payable hereunder upon her
death, or (b) the executors, administrators, or other legal representatives of
the EMPLOYEE or her estate from assigning any rights hereunder to the person or
persons entitled thereto.

         Section 9. No Attachment. Except as required by law, no right to
receive payment under this AGREEMENT shall be subject to anticipation,
commutation, alienation, sale, assignment, encumbrance, charge, pledge or
hypothecation or to execution, attachment, levy, or similar process of
assignment by operation of law, and any attempt, voluntary or involuntary, to
effect any such action shall be null, void and of no effect.

         Section 10. Binding Agreement. This AGREEMENT shall be binding upon,
and inure to the benefit of, the EMPLOYEE and the EMPLOYERS and their respective
permitted successors and assigns.

         Section 11. Amendment of AGREEMENT. This AGREEMENT may not be modified
or amended, except by an instrument in writing signed by the parties hereto.

         Section 12. Waiver. No term or condition of this AGREEMENT shall be
deemed to have been waived, nor shall there be an estoppel against the
enforcement of any provision of this AGREEMENT, except by written instrument of
the party charged with such waiver or estoppel. No such written waiver shall be
deemed a continuing waiver, unless specifically stated therein, and each waiver
shall operate only as to the specific term or condition waived and shall not
constitute a waiver of such term or condition for the future or as to any act
other than the act specifically waived.

         Section 13. Severability. If, for any reason, any provision of this
AGREEMENT is held invalid, such invalidity shall not affect the other provisions
of this AGREEMENT not held so invalid, and each such other provision shall, to
the full extent consistent with applicable law, continue in full force and
effect. If this AGREEMENT is held invalid or cannot be enforced, then any prior
AGREEMENT between the EMPLOYERS (or any predecessor thereof) and the EMPLOYEE
shall be deemed reinstated to the full extent permitted by law, as if this
AGREEMENT had not been executed.

         Section 14. Headings. The headings of the paragraphs herein are
included solely for convenience of reference and shall not control the meaning
or interpretation of any of the provisions of this AGREEMENT.

         Section 15. Governing Law. This AGREEMENT has been executed and
delivered in the State of Ohio and its validity, interpretation, performance,
and enforcement shall be governed by the laws of this State of Ohio, except to
the extent that federal law is governing.

         Section 16. Effect of Prior Agreements. This AGREEMENT contains the
entire understanding between the parties hereto and supersedes any prior
employment agreement between the

<PAGE>

EMPLOYERS and the EMPLOYEE, each of which is hereby terminated and is of no
further force or effect.

         Section 17. Notices. Any notice or other communication required or
permitted pursuant to this AGREEMENT shall be deemed delivered if such notice or
communication is in writing and is delivered personally or by facsimile
transmission or is deposited in the United States mail, postage prepaid,
addressed as follows:

         If to Winton Financial Corporation and/or The Winton Savings & Loan
Co.:

                           President
                           Winton Financial Corporation
                           5511 Cheviot Road
                           Cincinnati, Ohio  45247-7095

         With copies to:

                           John C. Vorys, Esq.
                           Vorys, Sater, Seymour and Pease LLP
                           Suite 2000, Atrium Two
                           221 East Fourth Street
                           Cincinnati, Ohio  45202

         If to the EMPLOYEE to:

                           Jill M. Burke
                           5168 Deeridge Lane
                           Cincinnati, Ohio  45247

<PAGE>

         IN WITNESS WHEREOF, the EMPLOYERS have caused this AGREEMENT to be
executed by their duly authorized officers, and the EMPLOYEE has signed this
AGREEMENT, each as of the day and year first above written.

ATTEST:                                  WINTON FINANCIAL CORPORATION

/s/ Mary Beth Doll                       By /s/ Robert L. Bollin
-----------------------------------         ------------------------------------
                                            ------------------------------------
                                              its  President

Attest:                                  THE WINTON SAVINGS AND LOAN
                                     CO.

/s/ Karen L. Hack                        By /s/ Robert L. Bollin
-----------------------------------         ------------------------------------
                                            ------------------------------------
                                            its President

Attest:

/s/ Gregory J. Stautberg                 /s/ Jill M. Burke
-----------------------------------      ---------------------------------------
                                         Jill M. Burke

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