Document:

<PAGE>
                                                                   Exhibit 10.6

                                   SCHEDULE A
                        UNITED NATIONAL BANK & TRUST CO.
                          SALARY CONTINUATION AGREEMENT

                                  ROGER L. MANN
<TABLE>
<CAPTION>

------------------------------------------------------------------------------------------------------------------------------------
                                                                                              EARLY
                                                                                          TERMINATION   DISABILITY
                                                                                             ANNUAL       ANNUAL         CHANGE-IN-
                                                                                             BENEFIT       BENEFIT        CONTROL
                                                            EARLY                          PAYABLE AT     PAYABLE AT      BENEFIT
                       EXECUTIVE'S         ACCRUAL        TERMINATION       VESTED            NORMAL       NORMAL         PAYABLE
 PLAN   PLAN YEAR      AGE AT PLAN          BALANCE @      VESTING          ACCRUAL         RETIREMENT   RETIREMENT         IN A
 YEAR    ENDING         YEAR END            7.5% (1)      SCHEDULE         BALANCE           AGE (2)      AGE (2)        LUMP SUM
------------------------------------------------------------------------------------------------------------------------------------

<S>   <C>                   <C>               <C>             <C>  <C>      <C>             <C>          <C>            <C>
   1  April 2002            60                $255,552        100% (3)      $255,552        $37,863      $37,863        $1,441,874
------------------------------------------------------------------------------------------------------------------------------------

   2  April 2003             61               $530,944           100%       $530,944        $72,999      $72,999        $1,441,874
----------------------------------------------------------------------------------------------------------------------------------

   3  April 2004             62               $827,715           100%       $827,715       $105,603     $105,603        $1,441,874
----------------------------------------------------------------------------------------------------------------------------------

   4  April 2005             63             $1,147,525           100%     $1,147,525       $135,859     $135,859        $1,441,874
----------------------------------------------------------------------------------------------------------------------------------

   5  April 2006             64          $1,441,874(4)           100%     $1,441,874       $159,400     $159,400        $1,441,874
----------------------------------------------------------------------------------------------------------------------------------

   6  April 2007             65             $1,383,092                    $1,383,092
-----------------------------------------------------------------------------------------------------------------------------------

   7  April 2008             66             $1,324,438                    $1,324,438
-----------------------------------------------------------------------------------------------------------------------------------

   8  April 2009             67             $1,261,232                    $1,261,232
-----------------------------------------------------------------------------------------------------------------------------------

   9  April 2010             68             $1,193,118                    $1,193,118
-----------------------------------------------------------------------------------------------------------------------------------

  10  April 2011             69             $1,119,716                    $1,119,716
-----------------------------------------------------------------------------------------------------------------------------------

  11  April 2012             70             $1,040,617                    $1,040,617
-----------------------------------------------------------------------------------------------------------------------------------

  12  April 2013             71               $955,376                      $955,376
-----------------------------------------------------------------------------------------------------------------------------------

  13  April 2014             72               $863,518                      $863,518
-----------------------------------------------------------------------------------------------------------------------------------

  14  April 2015             73               $764,529                      $764,529
-----------------------------------------------------------------------------------------------------------------------------------

  15  April 2016             74               $657,855                      $657,855
-----------------------------------------------------------------------------------------------------------------------------------

  16  April 2017             75               $542,899                      $542,899
-----------------------------------------------------------------------------------------------------------------------------------

  17  April 2018             76               $419,020                      $419,020
-----------------------------------------------------------------------------------------------------------------------------------

  18  April 2019             77               $285,523                      $285,523
-----------------------------------------------------------------------------------------------------------------------------------

  19  April 2020             78               $141,662                      $141,662
-----------------------------------------------------------------------------------------------------------------------------------

  20  April 2021             79                     $0                            $0
-----------------------------------------------------------------------------------------------------------------------------------
</TABLE>

(1) The Accrual balance reflects payment at the beginning of each month during
retirement.
(2) Benefit is based on present value of the current payment stream of the
vested accrual balance using a standard discount rate (7.50%).
(3) Participant is 100 percent vested upon effective date of the Salary
Continuation Agreement.
(4) Reflects 11 months data prior to projected retirement in March 2006.<PAGE>

                                                                    Exhibit 10.7

                                   SCHEDULE A
                        UNITED NATIONAL BANK & TRUST CO.
                          SALARY CONTINUATION AGREEMENT

                                JAMES J. PENNETTI

<TABLE>
<CAPTION>
                                                                               EARLY
                                                                             TERMINATION   DISABILITY
                                                                               ANNUAL       ANNUAL
                                                                               BENEFIT      BENEFIT      CHANGE-IN-CONTROL
                                                   EARLY                     PAYABLE AT    PAYABLE AT         BENEFIT
                    EXECUTIVE'S    ACCRUAL      TERMINATION     VESTED         NORMAL       NORMAL          PAYABLE IN A
 PLAN   PLAN YEAR   AGE AT PLAN    BALANCE @      VESTING       ACCRUAL      RETIREMENT   RETIREMENT          LUMP SUM
 YEAR    ENDING      YEAR END      7.5% (1)      SCHEDULE       BALANCE        AGE (2)      AGE (2)
---------------------------------------------------------------------------------------------------------------------------
<S>     <C>         <C>            <C>          <C>             <C>          <C>          <C>            <C>

  1     April 2002       52          $27,486          0%              $0            $0        $8,031         $652,190
---------------------------------------------------------------------------------------------------------------------------

  2     April 2003       53          $57,106     100%(3)         $57,106       $15,484       $15,484         $652,190
---------------------------------------------------------------------------------------------------------------------------

  3     April 2004       54          $89,025        100%         $89,025       $22,400       $22,400         $652,190
---------------------------------------------------------------------------------------------------------------------------

  4     April 2005       55         $123,422        100%        $123,422       $28,818       $28,818         $652,190
---------------------------------------------------------------------------------------------------------------------------

  5     April 2006       56         $160,489        100%        $160,489       $34,773       $34,773         $652,190
---------------------------------------------------------------------------------------------------------------------------

  6     April 2007       57         $200,435        100%        $200,435       $40,299       $40,299         $652,190
---------------------------------------------------------------------------------------------------------------------------

  7     April 2008       58         $243,481        100%        $243,481       $45,428       $45,428         $652,190
---------------------------------------------------------------------------------------------------------------------------

  8     April 2009       59         $289,869        100%        $289,869       $50,186       $50,186         $652,190
---------------------------------------------------------------------------------------------------------------------------

  9     April 2010       60         $339,858        100%        $339,858       $54,602       $54,602         $652,190
---------------------------------------------------------------------------------------------------------------------------

 10     April 2011       61         $393,728        100%        $393,728       $58,700       $58,700         $652,190
---------------------------------------------------------------------------------------------------------------------------

 11     April 2012       62         $451,780        100%        $451,780       $62,503       $62,503         $652,190
---------------------------------------------------------------------------------------------------------------------------

 12     April 2013       63         $514,339        100%        $514,339       $66,032       $66,032         $652,190
---------------------------------------------------------------------------------------------------------------------------

 13     April 2014       64         $581,754        100%        $581,754       $69,306       $69,306         $652,190
---------------------------------------------------------------------------------------------------------------------------

 14     April 2015       65       652,190(4)        100%        $652,190       $72,100       $72,100         $652,190
---------------------------------------------------------------------------------------------------------------------------

 15     April 2016       66         $627,724                    $627,724
---------------------------------------------------------------------------------------------------------------------------

 16     April 2017       67         $601,359                    $601,359
---------------------------------------------------------------------------------------------------------------------------

 17     April 2018       68         $572,947                    $572,947
---------------------------------------------------------------------------------------------------------------------------

 18     April 2019       69         $542,329                    $542,329
---------------------------------------------------------------------------------------------------------------------------

 19     April 2020       70         $509,334                    $509,334
---------------------------------------------------------------------------------------------------------------------------

 20     April 2021       71         $473,778                    $473,778
---------------------------------------------------------------------------------------------------------------------------

 21     April 2022       72         $435,461                    $435,461
---------------------------------------------------------------------------------------------------------------------------

 22     April 2023       73         $394,170                    $394,170
---------------------------------------------------------------------------------------------------------------------------

 23     April 2024       74         $349,673                    $349,673
---------------------------------------------------------------------------------------------------------------------------

 24     April 2025       75         $301,722                    $301,722
---------------------------------------------------------------------------------------------------------------------------

 25     April 2026       76         $250,048                    $250,048
---------------------------------------------------------------------------------------------------------------------------
</TABLE>
<PAGE>

<TABLE>
<CAPTION>
----------------------------------------------------------------------------------------
                                                                                 VESTED
        PLAN     PLAN YEAR        EXECUTIVE'S             ACCRUAL BALANCE @      ACCRUAL
        YEAR      ENDING       AGE AT PLAN YEAR END         7.5% (1)             BALANCE
----------------------------------------------------------------------------------------
<S>     <C>      <C>           <C>                        <C>                    <C>

         26      April 2027              77                   $194,363          $194,363
----------------------------------------------------------------------------------------

         27      April 2028              78                   $134,354          $134,354
----------------------------------------------------------------------------------------

         28      April 2029              79                    $69,687           $69,687
----------------------------------------------------------------------------------------

         29      April 2030              80                         $0                $0
----------------------------------------------------------------------------------------
</TABLE>

(1) The Accrual Balance reflects payment at the beginning of each month during
retirement.
(2)Benefit is based on present value of the current payment stream of the vested
accrual balance using a standard discount rate (7.50%).
(3)Mr. Pennetti becomes 100% vested in the Early Termination Benefit upon
reaching 30 years of service on May 22, 2002.
(4)Reflects 12 months data prior to projected retirement in April 2015.

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