Document:

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                                  EXHIBIT 10.1

         Employment Contract dated December 21, 2001 between First West
                  Virginia Bancorp, Inc. and Charles K. Graham
<PAGE>

                              EMPLOYMENT AGREEMENT
           THIS AGREEMENT, made in triplicate on this 21st day of December,
2001, by and between FIRST WEST VIRGINIA BANCORP, INC., a West Virginia
corporation, (hereinafter,  "Bancorp"), and CHARLES K. GRAHAM, (hereinafter,
"Executive")

                              W I T N E S S E T H:

          WHEREAS,Executive is presently an employee of Bancorp pursuant to an
Employment Agreement dated December 31, 2000;

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

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

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

1.        EMPLOYMENT

          Bancorp does hereby employ Executive as its President & CEO and
Executive does hereby accept the employment as President & CEO of Bancorp upon
the terms herein set forth.  The parties agree that as of the date of this
Agreement, the previous employment agreement between them dated December 31,
2000 is rescinded, terminated and no longer binding between them.

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

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

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

2.        TERM

          Executive's employment hereunder shall be effective January 1, 2002
and shall continue for a term of three (3) years thereafter, unless earlier
terminated as provided herein.

3.        COMPENSATION

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

          (a)  Bancorp shall cause to be paid to Executive a salary of no less
than $114,996.00 per annum for a period of three (3) years commencing January
1, 2002, payable in equal monthly installments.  Prior to the first
anniversary and second anniversary hereof, the Board of Directors shall review
Executive's salary and make such adjustments in the rate thereof as it shall
deem appropriate.  All references herein to compensation to be paid to
Executive are to the gross amounts thereof which are due hereunder.  Bancorp
shall cause to be deducted therefrom all taxes which may be required to be
deducted or withheld under any provision of the law (including but not limited
to Social Security payments and income tax withholding) now in effect or which
may become effective anytime during the term of this Agreement.  In addition
to such salary, Executive shall be eligible to receive discretionary bonuses
which may be granted by Bancorp, but which have been and at all times will
remain in the discretion of the Employer.  Executive may also participate in
any health insurance benefit (including medical and major medical insurance),
deferred compensation benefit, accident and disability insurance benefit or
other benefits as may be offered to other employees of Bancorp and which may
become effective anytime during the term of this Agreement.
<PAGE>

4.        TERMINATION

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

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

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

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

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

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

5.        EXTENT OF SERVICES

          The parties mutually agree that Executive is a key employee who is
vital to the success of Bancorp's operations and who has received and will
continue to receive confidential information and trade secrets of the Bancorp
and its subsidiary businesses in the course of his employment.  Except as
detailed in paragraph 1 hereof, Executive shall devote his entire time,
attention, and energies to the business of the Bancorp and shall not during
the term of this Agreement be engaged in any other
<PAGE>

business activity, whether or not such business activity is pursued for gain,
profit, or other pecuniary advantage; but such provision shall not be construed
as preventing Executive from making private investments in such form or manner
as will not require any services or material commitments of time on the part
of the Executive.

6.        CONFIDENTIAL INFORMATION

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

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

7.        INSURANCE

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

8.        COVENANT NOT TO COMPETE

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

          Notwithstanding the foregoing, if Executive terminates his employment
within one (1) year following a Change of Control, this paragraph 8 shall be
deemed null and void so long as Executive is otherwise not then in default of
any portion of this Agreement.

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

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

               (c)  the entry by Bancorp into an Agreement for the sale of
                    substantially all of the assets of Bancorp to a third party;
                    or

               (d)  the approval by stockholders of a plan of liquidation of
                    Bancorp.

9.        NOTICES

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

          (a)  If to Executive, addressed to him at 8 Nottingham Drive,
Barrington Woods, Wheeling, West Virginia 26003;

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

10.       CONSTRUCTION OF AGREEMENT

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

11.       BENEFITS AND BURDENS

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

12.       ENTIRE AGREEMENT

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

13.       SEVERABILITY

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

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

                                    /s/ Charles K. Graham
                                    ---------------------------------------
                                                CHARLES K. GRAHAM

                                    FIRST WEST VIRGINIA BANCORP, INC.

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

                                  EXHIBIT 10.2

         Employment Contract dated December 21, 2001 between First West
                  Virginia Bancorp, Inc. and Beverly A. Barker
<PAGE>

                              EMPLOYMENT AGREEMENT

     THIS AGREEMENT, made in triplicate on this 21st day of December, 2001, by
and between FIRST WEST VIRGINIA BANCORP, INC., a West Virginia corporation,
(hereinafter, "Bancorp"), and BEVERLY A. BARKER, (hereinafter, "Executive")

                              W I T N E S S E T H:
     WHEREAS, Executive is presently an employee of Bancorp pursuant to an
Employment Agreement dated December 31, 2000;

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

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

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

1.   EMPLOYMENT

     Bancorp does hereby employ Executive as its Executive Vice President,
Chief Operating Officer and Treasurer and Executive does hereby accept the
employment as Executive Vice President, Chief Operating Officer and Treasurer
of Bancorp upon the terms herein set forth. The parties agree that as of the
date of this Agreement, the previous employment agreement between them dated
December 31, 2000 is rescinded, terminated and no longer binding between them.

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

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

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

2.   TERM

     Executive's employment hereunder shall be effective January 1, 2002 and
shall continue for a term of three (3) years thereafter, unless earlier
terminated as provided herein.

3.   COMPENSATION

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

     (a)  Bancorp shall cause to be paid to Executive a salary of no less than
$89,592.00 per annum for a period of three (3) years commencing January 1,
2002, payable in equal monthly installments. Prior to the first anniversary and
second anniversary hereof, the Board of Directors shall review Executive's
salary and make such adjustments in the rate thereof as it shall deem
appropriate. All references herein to compensation to be paid to Executive are
to the gross amounts thereof which are due hereunder. Bancorp shall cause to be
deducted therefrom all taxes which may be required to be deducted or withheld
under any provision of the law (including but not limited to Social Security
payments and income tax withholding) now in effect or which may become
effective anytime during the term of this Agreement. In addition to such
salary, Executive shall be eligible to receive discretionary bonuses which may
be granted by Bancorp, but which have been and at all times will remain in the
discretion of the Employer. Executive may also participate in any health
insurance benefit (including medical and major medical insurance), deferred
compensation benefit, accident and disability insurance benefit or other
benefits as may be offered to other employees of Bancorp and which may become
effective anytime during the term of this Agreement.

4.   TERMINATION

     In the event of termination of the employment of Executive by Bancorp for
any reason other than a cause defined below, Executive shall be entitled to the
full compensation provided by this
<PAGE>

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

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

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

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

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

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

5.   EXTENT OF SERVICES

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

6.   CONFIDENTIAL INFORMATION

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

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

7.   INSURANCE

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

8.   COVENANT NOT TO COMPETE

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

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

     A Change of Control is defined as:

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

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

          (c)  the entry by Bancorp into an Agreement for the sale of
               substantially all of the assets of Bancorp to a third party; or

          (d)  the approval by stockholders of a plan of liquidation of
               Bancorp.

9.   NOTICES

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

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

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

10.  CONSTRUCTION OF AGREEMENT

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

11.  BENEFITS AND BURDENS

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

12.  ENTIRE AGREEMENT

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

13.  SEVERABILITY

     If any provision of this Agreement shall be held to be invalid or
unenforceable, such provision shall be fully severable and shall not affect or
impair the validity or enforceability of the remaining provisions of this
Agreement which shall continue to bind the parties hereto. In lieu of that
<PAGE>

severable provision or provisions, a new provision shall be inserted which is
as close to the intent of severed provision as may be permitted by law but
which is still valid and fully enforceable.

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

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

                                    FIRST WEST VIRGINIA BANCORP, INC.

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

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