Document:

EXHIBIT 10.2

                      2000 KEY EMPLOYEES' STOCK OPTION PLAN
                                       OF
                           LAFAYETTE COMMUNITY BANCORP

     1. Purpose. The 2000 Key Employees' Stock Option Plan is designed to
promote the interests of Lafayette Community Bancorp ("Company") and Lafayette
Community Bank ("Bank ") by encouraging officers and key employees, upon whose
judgment, initiative and industry serve the Company and the Bank are largely
dependent for the successful conduct and growth of their business, to continue
the association with the Company of such officers and key employees by providing
additional incentive and opportunity for unusual industry and efficiency through
stock ownership, and by increasing their proprietary interest in the Company and
their personal interest in its continued success and progress. The Plan provides
for the granting of (i) nonqualified stock options ("NSO's") and (ii) incentive
stock options ("ISO's").

     2. Administration.

     (a) The Plan shall be administered by a committee of not less than three
directors of the Company ("Committee") who shall be designated from time to time
by the Board of Directors. No director who is also an officer or key employee of
the Company shall be eligible to serve as a member of the Committee. No member
of the Committee shall be eligible, at any time when he is such a member, to
receive the grant of an option under the Plan. The decision of a majority of the
members of the Committee shall constitute the decision of the Committee. Subject
to the provisions of the Plan, the Committee is authorized (i) to grant NSO's
and ISO's; (ii) to determine the employees to be granted NSO's and ISO's; (iii)
to determine the option period, the option price and the number of shares
subject to each option; (iv) to determine the time or times at which options
will be granted; (v) to determine the time or times when each option becomes
exercisable and the duration of the exercise period; (vi) to determine other
conditions and limitations, if any, applicable to the exercise of each option;
and (vii) to determine the nature and duration of the restrictions, if any, to
be imposed upon the sale or other disposition of shares acquired by any optionee
upon exercise of an option, and the nature of the events, if any, and the
duration of the period, in which any optionee's rights in respect of shares
acquired upon exercise of an option may be forfeited. Each option granted under
the Plan shall be evidenced by a written stock option agreement containing terms
and conditions established by the Committee consistent with the provisions of
the Plan, including such terms as the Committee shall deem advisable in order
that each ISO shall constitute an "incentive stock option" within the meaning of
Section 422 of the Internal Revenue Code of 1986, as amended (the "Code").

     (b) The Committee is authorized, subject to the provisions of the Plan, to
adopt, amend and rescind such rules and regulations as it may deem appropriate
for the administration of the Plan and to make determinations and
interpretations which it deems consistent with the Plan's provisions. The
Committee's determinations and interpretations shall be final and conclusive.

     (c) The Committee shall also determine, in its sole discretion, with
respect to each employee, whether such options shall be ISO's or NSO's, or any
combination thereof; and whether any employee shall be given discretion to
determine whether any options granted to him shall be ISO's or NSO's or any
combination thereof.

     (d) Neither the Plan nor any stock option agreement executed hereunder
shall constitute a contract of employment. Participation in the Plan does not
give any employee the right to be retained in the employ of the Company or the

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Bank and does not limit in any way the right of the Company or the Bank to
change the duties or responsibilities of any employee or to terminate the
employment of any employee.

     (e) The Plan shall comply with applicable state and federal laws and
regulations governing the Company's sufficiency of capital. In the event that
the Company's capital falls below the minimum capital requirements, as
determined by the Company's primary state or federal regulator, the Company's
primary federal regulator shall have the authority to direct the Company to
require Plan participants to exercise or forfeit the rights to shares of the
Company under the Plan.

     3. Shares Covered by the Plan. The stock to be subject to options under the
Plan shall be shares of authorized common stock of the Company and may be
unissued shares or reacquired shares (including shares purchased in the open
market), or a combination thereof, as the Committee may from time to time
determine. Subject to the provisions of Paragraph 14, the maximum number of
shares to be delivered upon exercise of all options granted under the Plan shall
not exceed 84,000. Shares covered by an option that remain unpurchased upon
expiration or termination of the option may be made subject to further options.

     4. Eligibility. Officers and key employees of the Company and the Bank, as
selected by the Committee, shall be eligible to receive grants of NSO's and
ISO's under the Plan. Members of the Committee shall not be eligible to receive
grants of options under the Plan while serving as members of the Committee.

     5. Option Price.

     (a) The option price per share of stock under each ISO shall be not less
than the greater of ten dollars ($10.00) per share or one hundred percent (100%)
of the fair market value of the share on the date on which the option is
granted; provided, however, as to officers and key employees who, at the time an
ISO is granted, own, within the meaning of Section 425(d) of the Code, more than
ten percent (10%) of the total combined voting power of all classes of stock of
the company or any subsidiary ("shareholder-employees"), the purchase price per
share of stock under each ISO shall be not less than one hundred ten percent
(110%) of the fair market value of the stock on the date on which the option is
granted.

     (b) The option price per share of stock under each NSO shall be determined
by the Committee in its discretion; provided, however, the option price per
share shall not be less than twelve dollars ($10.00) per share or one hundred
percent (100%) of the fair market value of the share on the date on which the
option is granted.

     (c) For all purposes of the plan, the term "fair market value" shall mean
the value determined by the Committee based upon quotations of the entities
which make a market in company stock and such other factors as the Committee
shall deem appropriate. If the common stock of the company is not quoted by
entities which make a market in the company's stock, the fair market value shall
be determined by the Committee based upon such factors as the Committee deems
appropriate.

     6. Option Period. No option period shall exceed ten (10) years, and the
option period with respect to ISO's granted to shareholder-employees shall not
exceed five (5) years.

     7. Vesting and Exercise of Options. (a) All options granted under the Plan
shall be exercisable during the lifetime of the optionee only by such optionee
and, except as serviced in Subsection (6), no option may be exercised unless, at
the time the optionee exercises the option, he or she is actually serving as an
employee of the Company or the Bank. All options granted under the Plan shall
vest in accordance with the following schedule:

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                                                         Percentage of
          Vesting Date                                   Options Vested
-----------------------------------------------      ----------------------
First Anniversary of Date of Option Grant                      20.0%
Second Anniversary of Date of Option Grant                     20.0%
Third Anniversary of Date of Option Grant                      20.0%
Fourth Anniversary of Date of Option Grant                     20.0%
Fifth Anniversary of Date of Option Grant                      20.0%

     Notwithstanding the above schedule, the Committee may, in its discretion,
accelerate the time(s) at which all or any part of an option may be exercised.

     (b) Effective one (1) month from the date an employee ceases to be an
employee for any reason other than death, permanent and total disability or
cause, all options therefore granted to that director shall terminate and shall
not be exercisable. If an employee dies or becomes permanently and totally
disabled, all unexercised options may be exercised within one (1) year from the
date his status as an employee ceases for such reason (but not later than the
date the option expires pursuant to its terms). During such period, subject to
the limitations of the option grant, the optionee, his guardian,
attorney-in-fact, or personal representative, as the case may be, may exercise
the option. As used herein, "permanent and total disability" shall have the same
meaning ascribed to such term by Section 22(e)(3) of the Internal Revenue Code
of 1986, as amended.

     (c) If an employee is terminated from the Company or the Bank for cause, no
previously unexercised option granted hereunder may be exercised. Rather, all
unexercised options shall terminate effective on the date the optionee receives
notice of his termination for cause. As used in their Plan, "for cause" shall be
defined as (i) the employee's willful and continued failure to perform his
required duties as an employee of the Company or the Bank, (ii) any action by
the employee which involves willful misfeasance of gross negligence, (iii) the
requirement of or direction by a federal or state regulation agency which has
jurisdiction over the Company or the Bank to remove the employee from the
Company or the Bank or (iv) the conviction of the employee of the commission of
any criminal offense which involves dishonesty or breach of trust.

     (d) In the event of a Change in Control of the Company or upon the death or
total and permanent disability of the optionee, his options may be exercise in
full without regard to any restrictions on the vesting of such options.

     8. Special Calendar Year Limitation on Shares Subject to ISO's. The
aggregate fair market value (determined at the time of the grant of the ISO's)
of the stock with respect to which ISO's are exercisable for the first time by
an eligible employee during any calendar year (under all plans providing for the
grant of incentive stock options of the company or any of its subsidiaries)
shall not exceed one hundred thousand dollars ($100,000.00).

     9. Sequence of Exercising Incentive Stock Options. Any ISO granted to an
employee pursuant to the plan shall be exercisable even if there are outstanding
previously granted but unexercised ISO's with respect to such employee.

     10. Early Termination of Option.

     (a) Termination of Employment. All rights to exercise an option shall
terminate effective as of the day the optionee's employment terminates unless
such termination is "for cause" as defined in subparagraph (b) or is on account
of the permanent and total disability or death of the optionee (but not later
than the date the option expires pursuant to its terms). Transfer of employment
from the Company to the Bank, or vice versa, shall not be deemed termination of
employment. The

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Committee shall have the authority to determine in each case whether a leave of
absence on military or government service shall be deemed a termination of
employment for purposes of this subparagraph.

     (b) For Cause Termination. If an optionee's employment is terminated for
cause, no previously unexercised option granted hereunder may be exercised.
Rather, all unexercised options shall terminate effective on the date the
optionee receives notice of his termination for cause. As used in this Plan,
"for cause" shall be defined as (i) the willful and continued failure of an
optionee to perform his required duties as an officer or employee of the Company
or the Bank, (ii) action by an optionee involving willful misfeasance or gross
negligence, (iii) the requirement or direction of a federal or state regulatory
agency having jurisdiction over the Company or the Bank to terminate the
employment of an optionee, (iv) conviction of an optionee of the commission of
any criminal offense involving dishonesty or breach of trust, or (v) any
intentional breach by an optionee of a material term, condition or covenant of
any agreement of employment, termination or severance or any other agreement
between the optionee and the Company or the Bank.

     (c) Permanent and Total Disability or Death of Optionee. If an optionee's
employment terminates due to permanent and total disability or death, his option
shall terminate one (1) year after termination of his employment due to his
permanent and total disability or death (but not later than the date the option
expires pursuant to its terms). During such period, subject to the limitations
of the option grant, the optionee, his guardian, attorney-in-fact or personal
representative, as the case may be, may exercise the option in full. As used
herein, "permanent and total disability" shall have the meaning ascribed to such
term by Section 22(e)(3) of the Code.

     (d) Change in Control or Death or Disability of Optionee. In the event of a
Change in Control of the Company or upon the death or permanent and total
disability of the optionee, the options covered by such agreement may be
exercised in full without regard to any restrictions on the vesting of such
options contained in the option agreement between the Company and the optionee.

     11. Payment for Stock. Full payment for shares purchased hereunder shall be
made at the time the option is exercised. Payment for shares purchased may be
made only in the form of cash, and such payment shall be made directly to the
Company. No shares shall be issued until full payment for them has been made,
and an optionee shall have none of the rights of a shareholder with respect to
any shares until they are issued to him. Upon payment of the full purchase
price, and any required withholding taxes, the Company shall issue a certificate
or certificates to the optionee evidencing ownership of the shares purchased
pursuant to the exercise of the option which contain(s) such terms, conditions
and provisions as may be required and as are consistent with the terms,
conditions and provisions of the Plan and the stock option agreement between the
Company and the optionee. For purposes of this section 11, payment for shares
purchased hereunder may be delivered to the Company through such attestation or
certification procedures as may be established by the Committee from time to
time in its sole discretion.

     12. Income and Employment Tax Withholding. The optionee shall be solely
responsible for paying to the Company all required federal, state, city and
local taxes applicable to his (i) exercise of an NSO under the plan and (ii)
disposition of shares acquired pursuant to the exercise of an ISO in a
disqualifying disposition of the shares under Code Section 422(a)(1).

     13. Nontransferability. No option shall be transferable, except by the
optionee's will or the laws of descent and distribution. During the optionee's
lifetime, his option shall be exercisable (to the extent exercisable) only by
him. The option and any rights and privileges pertaining thereto shall not be
transferred, assigned, pledged or hypothecated by him in any way, whether by
operation of law or otherwise and shall not be subject to execution, attachment,
or similar process.

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     14. Changes in Stock.

     (a) In the event of any change in the common stock of the Company through
stock dividends, split-ups, recapitalizations, reclassifications, conversions,
or otherwise, or in the event that other stock shall be converted into or
substituted for the present common stock of the Company as the result of any
merger, consolidation, reorganization or similar transaction, the Committee may
make appropriate adjustment or substitution in the aggregate number, price, and
kind of shares available under the Plan and in the number, price and kind of
shares covered under any options granted or to be granted under the Plan. The
Committee's determination in this respect shall be final and conclusive.
Provided, however, that the Company shall not recommend and shall not permit the
Bank to, facilitate or agree or consent to a transaction or series of
transactions which would result in a Change of Control of the Company unless and
until the person or persons or entity or entities acquiring or succeeding to the
assets or capital stock of the Company or the Bank as a result of such
transaction or transactions agrees to be bound by the terms of the Plan so far
as it pertains to options theretofore granted but unexercised and agrees to
assume and perform the obligations of the Company hereunder.

     (b) In the event of a Change in Control of the Company pursuant to which
another person or entity acquires control of the Company (such other person or
entity being the "Successor"), the kind of shares of common stock which shall be
subject to the Plan and to each outstanding option, shall, automatically by
virtue of such Change in Control of the Company, be converted into and replaced
by shares of common stock, or such other class of securities having rights and
preferences no less favorable than common stock of the Successor, and the number
of shares subject to the option and the purchase price per share upon exercise
of the option shall be correspondingly adjusted, so that, by virtue of such
Change in Control of the Company, each optionee shall have the right to purchase
(i) that number of shares of common stock of the Successor which have a fair
market value equal, as of the date of such Change in Control of the Company, to
the fair market value, as of the date of such Change in Control, of the shares
of common stock of the Company theretofore subject to his option, and (ii) for a
purchase price per share which, when multiplied by the number of shares of
common stock of the Successor subject to the option, shall equal the aggregate
exercise price at which the optionee could have acquired all of the shares of
common stock of the Company theretofore optioned to the optionee.

     15. Use of Proceeds. The proceeds received by the Company from the sale of
stock pursuant to the Plan will be used for general corporate purposes.

     16. Investment Representations. Unless the shares subject to an option are
registered under the Securities Act of 1933, each optionee in the stock option
agreement between the Company and the optionee shall agree for himself and his
legal representatives that any and all shares of common stock purchased upon the
exercise of the option shall be acquired for investment and not with a view to,
or for sale in connection with, any distribution thereof. Any share issued
pursuant to an exercise of an option subject to this investment representation
shall bear a legend evidencing such restriction.

     17. Amendment and Discontinuance. The Board of Directors may, at any time,
without the approval of the stockholders of the Company, (except as otherwise
required by applicable law, rule or regulations, including without limitation
any shareholder approval of the safe harbor rule promulgated under the
Securities Exchange Act of 1934) alter, amend, modify, suspend, or discontinue
the Plan, but may not, without the consent of the holder of an option, make any
alteration which would adversely affect an option previously granted under the
Plan or, without the approval of the stockholders of the Company, make any
alteration which would: (a) increase the aggregate number of shares subject to
options under the Plan, except as provided in paragraphs 10(c) and 14; (b)
decrease the minimum option price, except as provided in paragraph 14; (c)
permit any member of the Committee to become eligible for options under the
Plan; (d) withdraw administration of the Plan from the Committee or the Board of
Directors; (e) extend the term of the Plan or the maximum period during which
any option may be exercised;

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(f) change the manner of determining the option price; (g) change the class of
individuals eligible for options under the Plan; or (h) without the consent of
the holder of the option, alter or impair any option previously granted under
the Plan.

     18. Liability. No member of the Board of Directors, the Committee or
officers or employees of the Company or its Subsidiaries shall be personally
liable for any action, omission or determination made in good faith in
connection with the Plan.

     19. Effective Date and Duration. This Plan shall become effective upon its
approval by a majority of the shares of common stock of the Company. Options may
be granted under the Plan for a period of ten (10) years commencing _____, 2000,
the date on which the Board of Directors approved the Plan; provided, however,
that no option may be exercised until the Plan has been approved by the
shareholders of the Company, as provided in the first sentence of this paragraph
19. No options shall be granted after _______, 2010. Upon such date, the Plan
shall expire except as to outstanding options and which options and rights shall
remain in effect until they have been exercised or terminated or have expired.

     20. Miscellaneous.

     (a) The term "Board" or "Board of Directors" used herein shall mean the
Board of Directors of the Company, unless the context clearly requires
otherwise, and to the extent that any powers and discretion vested in the Board
of Directors are delegated to any committee of the Board, the term "Board of
Directors" shall also mean such committee.

     (b) The term "Bank" used herein shall mean Lafayette Community Bank, the
wholly-owned and sole subsidiary of the Company.

     (c) The term "Change in Control of the Company" used herein shall mean (i)
any merger, consolidation or similar transaction which involves the Company or
any Subsidiary and in which persons who are the shareholders of the Company
immediately prior to such transaction own, immediately after such transaction,
shares of the surviving or combined entity which possess voting rights equal to
or less than fifty percent (50%) of the voting rights of all shareholders of
such entity, determined on a fully diluted basis; (ii) any sale, lease,
exchange, transfer or other disposition of all or any substantial part of the
assets of the Company or the Bank; (iii) any tender, exchange, sale or other
disposition (other than dispositions of the stock of the Company of the Bank in
connection with bankruptcy, insolvency, foreclosure, receivership or other
similar transactions) or purchases (other than purchases by the Company or any
Company-sponsored employee benefit plan, or purchases by members of the Board of
Directors of the Company or the Bank) of more than twenty-five percent (25%) of
the common stock of the Company or the Bank; (iv) during any period of two (2)
consecutive years during the term of the Plan specified in paragraph 19,
individuals who at the date of the adoption of the Plan constitute the Board of
Directors of the Company cease for any reason to constitute at least a majority
thereof, unless the election of each director at the beginning of such period
has been approved by directors representing at least a majority of the directors
then in office who were directors on the date of the adoption of the Plan; or
(v) a majority of the Board of Directors or a majority of the shareholders of
the Company approve, adopt, agree to recommend, or accept any agreement,
contract, offer or other arrangement providing for, or any series of
transactions resulting in, any of the transactions described above.
Notwithstanding the foregoing, a Change in Control of the Company shall not
occur as a result of the issuance of stock by the Company in connection with any
private placement offering of its stock or any public offering of its stock.

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                                        LAFAYETTE COMMUNITY BANCORP

                                       By:______________________________
                                          David R. Zimmerman, President

ATTEST:

-----------------------------------
Edward Chosnek, Chairman of the BoardEXHIBIT 10.3

                                 LEASE AGREEMENT

     THIS LEASE AGREEMENT, entered into this _____ day of ____________, _____,
by and between L.C.B. INVESTMENTS, L.L.C., an Indiana Limited Liability Company
(hereinafter referred to as "Owner") and LAFAYETTE COMMUNITY BANK, INC., an
Indiana Corporation (hereinafter referred to as "Lessee"),

     WITNESSETH THAT Owner and Lessee, in consideration of their mutual
undertakings, agree as follows:

     1. Premises. Owner hereby leases to Lessee and Lessee hereby leases from
Owner real estate commonly known as 2 North Fourth Street, located at Lafayette,
Tippecanoe County, Indiana, which consists of approximately 8,000 square feet
located on two floors together with the right and privilege to use the walks,
driveways and parking areas surrounding the building, all hereinafter referred
to as the "Leased Premises".

     2. Term of Lease. The original term shall commence on the _____ day of
____________, 2000, and shall end five 5) years thereafter ("original
termination date") unless sooner terminated.

     3. Renewal Option. Lessee shall have the option to renew this Lease for two
(2) additional five (5) year terms by giving written notice of its intention to
renew One Hundred Twenty (120) days prior to expiration of any prior term. In
the event a continuing lease is not negotiated between Owner and Lessee prior to
One Hundred Twenty (120) days prior to its original termination date, the Owner
shall have the right, during the 120 day period and thereafter, to display "for
lease" signs upon the premises and to freely exhibit the leased premises to any
prospective lessees.

     4. Rental. The base monthly rent during the five (5) years of the original
term of this Lease shall be Six Thousand Five Hundred Dollars ($6,500.00) per
month. If the Lessee exercises any renewal options, the rent shall be increased
for such renewal term in direct proportion to the increase in the Consumer Price
Index from January 1, 2000 to date of renewal for Urban Wage Earners and
Clerical Workers (1967=100) For All Items, relating to the City of Chicago area,
published by the Bureau of Labor Statistics of the U.S. Department of Labor.

     Any fractional part of a month included under the terms of this Lease shall
be pro-rated, and all rent shall be payable in advance on the first day of each
month during the term hereof. There shall be a late payment penalty of five
percent (5%) of the amount of the late installment of rent commencing on the 6th
day after rent is due. In addition to the late payment penalty, delinquent rent
shall bear interest at the rate of eighteen percent (18%) per annum, together
with attorney fees if the default and breach of this Lease is pursued by Court
proceedings. Lessee's Liability to pay rent or perform any other promise under
this Lease Agreement shall be without relief from valuation or appraisement
laws.

     5. Additional Rental Obligations. Lessee shall reimburse Owner a sum equal
to the property taxes assessed for the buildings and land used by Lessee. Owner
shall make the computation annually at the time the taxes are assessed and shall
furnish a computation of taxes and a copy of the tax statement to Lessee. Lessee
shall pay to Owner one-half of its annual tax obligation on or before May 1st
and one-half on November 1st of each year.

     6. Use of Premises. The Leased Premises shall be used by Lessee for lawful
purposes only, and in a careful, proper and lease-like manner, and shall be kept
clean and sanitary.

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     No auction, fire, bankruptcy, liquidation or "going out of business" sales
may be conducted on the Leased Premises without the written consent of the
Owner.

     All refuse shall be stored in dumpster outside the building and it shall be
removed at regular intervals at Lessee's expense. Lessee shall not burn any
refuse of any kind in or about the building.

     Lessee shall not install any exterior lighting or plumbing fixtures, shades
or awnings, or any exterior decoration or painting, or build any fences or make
any changes to the front of the building without the written consent of Owner,
which consent shall not be unreasonably withheld.

     7. Maintenance of Leased Premises. Lessee shall provide all interior and
exterior maintenance to the Leased Premises, including trash removal. Lessee
shall provide snow removal for all parking and drive areas of the Leased
Premises.

     Owner shall keep and maintain the roof and structural portions of the
exterior walls of the Leased Premises, unless such maintenance is a result of
negligence on the part of Lessee. Owner shall not be responsible for damage to
windows, doors, window and door frames, and plate glass, unless such damage is a
result of structural failure or negligence on the part of the Owner. Lessee
shall be responsible for any repairs and/or replacement costs associated with
the plumbing, electrical and heating, ventilation and air-conditioning system
(HVAC) within the Leased Premises.

     8. Furniture and Fixtures. Lessee shall have the privilege of installing
any furniture and fixtures necessary in the conduct of its business and the same
shall remain the property of Lessee provided it is removed by Lessee before the
end of the original term of this Lease, or any renewal or extensions thereof. In
the event any damage is done to the Leased Premises in the removing of the
furniture and fixtures, Lessee shall make such repairs as are necessary to
restore the Leased to their original condition and, if Lessee fails to do so,
Owner may make such repairs and be entitled to immediate reimbursement by the
Lessee for the cost of such repairs.

     9. Alterations. Lessee shall make no alterations (including the attachment
of any fixtures) in, on or about the Leased Premises without the consent of
Owner in writing, which consent shall not be unreasonably withheld. Any such
alterations or improvements shall become the property of Owner, except for Trade
Fixtures which Lessee shall be entitled to remove.

     10. Signs and Advertising. No sign, advertising or notice shall be
inscribed, affixed or displayed on any part of the outside or the inside of the
building, except as approved in writing in advance by Owner, which approval
shall be not unreasonably withheld, and then only in such place, number, size,
color and style as approved by Owner. All signage must be in compliance with the
Tippecanoe County Zoning Ordinance.

     11. Damage or Destruction. If the Leased Premises are partially damaged by
fire or other casualty, excepting that caused by negligence of the Lessee, they
shall be repaired by Owner in a prompt and reasonable manner, and abatement
shall be made from the rent corresponding with the time during which and the
extent to which the Leased Premises cannot be used by Lessee.

     12. Liability for Injury to Person or Property. Lessee agrees to indemnify
and save harmless Owner from any arid all claims, demands or suits for property
damage, or personal injury, or death, arising out of Lessee's use and occupancy
of the Leased Premises and Lessee's use of the driveways, sidewalks and parking
areas surrounding the Leased Premises, including but not limited to any
environmental problems chat are caused by or related to Lessee's occupancy of
the Leased Premises as

<PAGE>

a gasoline related provider; provided, however, that this shall not be construed
as obligating Lessee to maintain or repair anything except his sign and the
interior of the building, nor make Lessee liable under this Lease for any
damage, personal injury, or death caused by improper maintenance or repair of
any part of the Leased Premises, except the interior of his building.

     Lessee hereby agrees to obtain public liability insurance protecting Owner
and Lessee against all claims, demands, suits or liabilities in a sum not less
than Two Million Dollars ($2,000,000) for bodily injury, including death, to one
or more persons, and not less than One Million Dollars ($1,000,000) for damage
to property. Such insurance shall be carried in some good reliable insurance
company to be approved by Owner, and a certificate of insurance shall be
furnished to Owner showing Owner as an "additional insured" and specifying that
such policy shall not be canceled unless Owner is given fifteen (15) days notice
in writing by the insurance company.

     In addition, Lessee shall carry casualty insurance on all improvements in
the sum of Seven Hundred Fifty Thousand Dollars ($750,000.00) or in lesser or
greater amounts as may be agreed from time to time between Lessee and Owner.
Said insurance shall name Owner and any mortgagee as additional insureds as
their respective interests appear and Lessee shall furnish verification of such
insurance to Owner.

     13. Assignment of Lease or Sub-letting of Leased Premises. Lessee shall not
assign this Lease, or any part thereof, and shall not rent or sublet the whole
or any part of the Leased Premises without the written consent of Owner, which
consent shall not be unreasonably withheld. Any assignment, renting or
sub-letting shall not release Lessee from any part of its obligation.

     14. Utilities, Operating Expenses and Taxes. Lessee shall promptly pay all
charges for utilities, including meter deposits, and all running and operating
expenses, including personal property taxes.

     15. Payment and Discharge of Liens Created by Lessee. Lessee covenants and
agrees to pay and discharge all liens and obligations created or incurred by
Lessee, of any and every kind and nature whatsoever, which shall attach to, or
be imposed on, the Leased Premises. Upon failure of Lessee to pay and discharge
any such lien or obligation within thirty (30) days, Owner may pay and discharge
same and add the amount of the costs thereof to the rent due hereunder on the
first rental payment date following the date of such payment.

     16. Entry on Leased Premises by Owner. Lessee agrees to permit Owner, or
its agents or representatives, to enter upon the Leased Premises or any part
thereof at all reasonable hours for the purpose of examining and inspecting the
same, or making repairs or alterations, as may be necessary for the safety or
preservation thereof.

     17. Cost of Enforcing Lease. The Lessee shall pay all reasonable costs,
charges, attorney's fees and expenses incurred by Owner in enforcing any of the
terms of this Lease. In the event of litigation, the prevailing party shall be
entitled to recover all reasonable costs, charges, attorney's fees and expenses
incurred in enforcing any covenant, agreement and/or condition contained in this
Lease, unless such charges and expenses are incurred in any dispute wherein the
Owner and Lessee are in agreement and have a dispute with a third party.

     18. Vacating Leased Premises at End of Term and Return in Good Condition.
At the expiration of the term of this Lease, Lessee shall give peaceable
possession of the Leased Premises to the Owner in as good condition as at the
date of commencement of the term, usual wear excepted. Upon termination of this
Lease, unless otherwise agreed to by Owner, Lessee shall remove all underground
tanks and replace any pavement disturbed by such removal. Also, Lessee shall
furnish written proof to Owner that the soil in the are of any petroleum tank is
clean and contains no contaminants.

<PAGE>

     19. Effect of Holding Over. The holding over by Lessee shall not operate to
renew this Lease without the written consent of Owner.

     20. Personal Property Abandoned by Lessee. In the event of the termination
of this Lease for any cause or in the event of the abandonment, vacation or
surrender of the Leased Premises, any personal property of Lessee remaining upon
the Leased Premises shall be deemed to have been permanently abandoned and may
be used or disposed of by Owner as Owner shall deem fit.

     21. Compliance with Governmental Rules and Regulations. The Lessee shall
comply with, at Lessee's cost and expense, all laws, ordinances, rules,
regulations, orders and requirements of governmental authorities having the
jurisdiction over the Leased Premises.

     22. Mortgage Subordination. Owner reserves the right to request and obtain
from Lessee a subordination of Lessee's lien in favor of any first mortgage lien
thereafter arising which may become necessary or desirable from time to time to
Owner in the future and Lessee, upon request for same, agrees to execute at any
and all times such instruments that may be reasonably required by any lender or
prospective first mortgagees in order to effectuate such a subordination of
Lessee s lien. It is a condition, however, of the subordination and lien
provisions herein provided that Owner shall procure from any such mortgagees an
agreement in writing which shall be delivered to Lessee, providing that so long
as Lessee shall faithfully discharge the obligations on its part to be kept and
performed under the terms of this Lease, its tenancy will not be disturbed nor
this Lease affected by any default under such mortgage, and mortgagee agrees
that this Lease shall remain in full force and effect even though default in the
mortgage may occur.

     23. Eminent Domain. If the whole of the Leased Premises shall be acquired
or condemned by eminent domain for any public or quasi-public use or purpose,
then the terms of this Lease shall cease and terminate at the date of title
vesting in such proceeding and all rentals shall be paid up to that date and
neither party shall have a claim against the other party for the value of any
unexpired term of this Lease. If any part of the Leased Premises shall be
acquired or condemned by eminent domain for any public or quasi-public use or
purpose, and in the event that such partial taking or condemnation shall render
the Leased Premises unsuitable for the business of Lessee, then the terms of
this Lease shall cease and terminate as of the date of title vesting in such
proceeding and Lessee shall have no claim against Owner for the value of any
unexpired term of this Lease. In the event of a partial taking or condemnation
which is not extensive enough to render the Leased Premises unsuitable for the
business of Lessee, then Owner shall promptly restore the Leased Premises to a
condition comparable to its condition at the time of such condemnation less the
portion lost in the taking, and this Lease shall continue in full force and
effect except that the monthly rent shall be reduced in proportion to the
reduction in gross area of the Leased Premises. All damages awarded or
compensation paid for any such taking or conveyance shall belong to and be the
property of Owner, whether such damages shall be awarded as compensation for
diminution in value to the leasehold or to the fee of the demised Leased
Premises; provided, however, that Owner shall not be entitled to any portion of
the award or payment made to Lessee for loss of business and depreciation of and
cost of removal of merchandise and trade fixtures.

     24. Default or Breach. Each of the following events shall constitute a
default or breach of this Lease by Lessee:

           a.        If Lessee, or any successor or assignee of Lessee, while in
                     possession of the Leased Premises, shall file a Petition in
                     Bankruptcy or insolvency or for reorganization under any
                     Bankruptcy Act, or shall voluntarily take advantage of any
                     such act by answer or otherwise, or shall make assignment
                     for the benefit of creditors.

<PAGE>

           b.        If involuntary proceedings under any bankruptcy law or
                     insolvency act shall be instituted against Lessee, or if a
                     receiver or trustee shall be appointed of all or
                     substantially all of the property of Lessee, and such
                     proceedings shall not be dismissed or the receivership or
                     trusteeship vacated within ten days after the institution
                     or appointment.

           c.        If Lessee shall fail to pay Owner any rent when due or
                     shall fail to pay Owner any additional rent within thirty
                     (30) days after notice by Owner to Lessee of such
                     additional rent.

           d.        If Lessee shall fail to perform or comply with any of the
                     conditions of this Lease and if the nonperformance shall
                     continue for a period of thirty (30) days, hereinafter
                     referred to as the "notice period", after notice thereof by
                     Owner to Lessee or, if the performance cannot be reasonably
                     had within the notice period, or if the Lessee shall not in
                     good faith have commenced performance within-the-notice
                     period and shall not diligently proceed to completion of
                     performance.

           e.        If Lessee shall vacate or abandon the Leased Premises.

           f.        If Lessee fails to take possession of the Leased Premises
                     on the term commencement date, or within thirty (30) days
                     after notice that the Leased Premises are available for
                     occupancy if the term commencement date is not fixed herein
                     or shall be deferred as herein provided.

     25. Effect of Default. In the event of any default hereunder, as set forth
in the preceding section, the rights of Owner shall be as follows:

           a.        Owner shall have the right to cancel and terminate this
                     Lease, as well as all of the right, title and interest of
                     Lessee hereunder, by giving to Lessee not less than thirty
                     (30) days notice of the cancellation and termination. On
                     expiration of the time fixed in the notice, this Lease and
                     the right, title and interest of Lessee hereunder shall
                     terminate in the same manner and with the same force and
                     effect, except as to Lessee's liability, as if the date
                     fixed in the notice of cancellation and termination were
                     the end of the term herein originally determined.

           b.        Owner may elect, but shall not be obligated, to make any
                     payment required of Lessee herein or comply with any
                     agreement, term or condition required hereby to be
                     performed by Lessee, and Owner shall have the right to
                     enter the Leased Premises for the purpose of correcting or
                     remedying any such default and to remain until the default
                     has been corrected or remedied, but any expenditure for the
                     correction by Owner shall not be deemed to waive or release
                     the default of Lessee or the right of Owner to take any
                     action as may be otherwise permissible hereunder in the
                     case of any default.

           c.        Owner may re-enter the Leased Premises immediately and
                     remove the property and personnel of Lessee, and store the
                     property in a public warehouse or at a place selected by
                     Owner at the expense of Lessee. After re-entry, Owner may
                     terminate the Lease on giving ten (10) days written notice
                     of termination to Lessee. Without the notice, re-entry will
                     not terminate the Lease. On termination, Owner may recover
                     from Lessee all damages proximately resulting from the
                     breach, including the costs of recovering the Leased
                     Premises and the worth of the balance of this Lease over
                     the reasonable rental value of the Leased Premises for the
                     remainder of the lease term, which sum shall be immediately
                     due Owner from Lessee.

<PAGE>

           d.        After re-entry, Owner may relet the Leased Premises or any
                     part thereof for any term without terminating the Lease, at
                     the rent and on the terms as Owner may chose. Owner may
                     make alterations and repairs to the Leased Premises. The
                     duties and liabilities of the parties if the Leased
                     Premises are relet as provided herein shall be as follows:

                    i.   In addition to Lessee's liability to Owner for breach
                         of the Lease, Lessee shall be liable for all expenses
                         of the reletting, for the alterations and repairs made,
                         and for the difference between the rent received by
                         Owner under the new lease agreement and the rent
                         installments that are due for the same period under
                         this Lease.

                    ii.  Owner shall apply the rent received from reletting the
                         Leased Premises (1) to reduce the indebtedness of
                         Lessee to Owner under the Lease, not including
                         indebtedness for rent; (2) to expenses of the reletting
                         and alterations and repairs made; (3) to rent due under
                         this Lease; or (4) to payment of future rent under this
                         Lease as it becomes due. If the new Lessee does not pay
                         a rent installment promptly to Owner, and the rent
                         installment has been credited in advance of payment of
                         the indebtedness of Lessee other than rent, or if
                         rentals from the new Lessee have been otherwise applied
                         by Owner as provided for herein and during any rent
                         installment period are less than the rent payable for
                         the corresponding installment period under this Lease,
                         Lessee shall pay Owner the deficiency, separately for
                         each rent installment deficiency period, and before the
                         end of that period. Owner may at any time after a
                         reletting terminate the Lease for the breach on which
                         Owner had based the re-entry and subsequently relet the
                         Leased Premises.

           e.        After re-entry, Owner may procure the appointment of a
                     receiver to take possession and collect rents and profits
                     of the business of Lessee. The receiver may carry on the
                     business of Lessee and take possession of the personal
                     property used in the business of Lessee, including
                     inventory, trade fixtures and furnishings, and use them in
                     the business without compensating Lessee. Proceedings for
                     appointment of a receiver by Owner, or the appointment of a
                     receiver and the conduct of the business of Lessee by the
                     receiver shall not terminate and forfeit this Lease unless
                     Owner has given written notice of termination to Lessee as
                     provided herein.

     26. Waiver. The failure of Owner to insist upon the strict performance of
the terms of this Lease, or to exercise any options herein conferred, shall not
constitute a waiver of Owner's right to thereafter enforce any such tern-is or
options, but the same shall continue in full force and effect.

     27. Notices. Notices and demands by either party must be given by Certified
Mail, postage prepaid, addressed to the Owner at P.0. Box 708, Lafayette,
Indiana, 47902, or to the Lessee at 2 North 4th Street, Lafayette, Indiana,
47901 subject to the right of either to designate a new address by a proper
notice in writing.

     28. Law of Indiana Governs. The laws of the State of Indiana shall govern
the validity, performance and enforcement of this Lease. The invalidity or
unenforceability of any provision of this Lease shall not effect or impair any
other provision.

     29. Binding Heirs, Executors, Successors and Assigns. This Lease shall be
binding upon the parties hereto, and their legal heirs, executors,
administrators, successors and assigns.

<PAGE>

           30. Entire Agreement and Definition. This Lease embodies the entire
agreement between the parties hereto relative to the subject matter hereof, and
shall not be modified, changed or altered in any respect except in writing.
Where more than one party shall be Lessees under this Lease, the word "Lessee"
whenever used in the Lease shall be deemed to include all parties-Lessee jointly
and severally. Where more than one building is included and described as part of
the "Leased Premises" under this Lease, the word "building" whenever used in
this Lease shall be deemed to include all buildings.

           IN WITNESS WHEREOF, the parties have hereunto set their hands and
seals the day and year first above written.

LAFAYETTE COMMUNITY BANK, INC.              L.C.B. INVESTMENTS, L.L.C.

By:                                         By:
   -------------------------------             ------------------------------

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