Document:

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                                 EXHIBIT 10.4

                        CHATEAU CENTRE LEASE AGREEMENT

THIS LEASE executed in triplicate on the 2nd day of March, 1999, by and between
CHATEAU VILLAGE L.L.C., a Michigan Limited Liability Company, whose address is
547 Baldwin, Jenison, Michigan 49428, hereinafter called "Lessor", and MACATAWA
BANK, a Michigan banking corporation, of 106 E. 8th Street, Holland, MI 49423,
hereinafter called "Lessee",:

PARAGRAPH 1.  Premises.  Upon the conditions hereinafter contained, Lessor does
hereby demise and lease to Lessee and the Lessee does lease from Lessor certain
premises situated in the City of Wyoming in the County of Kent and State of
Michigan, consisting of 2,060 square feet within the Chateau Centre, which
consists of 43,500 square feet of building owned by Lessor for Lessee and other
tenants.  Said premises is Suite 2 of 1760 44th Street, SW, together with the
use in common with Lessor and others entitled thereto of the common area parking
areas, service road and sidewalks; subject, however, to the terms and conditions
of this Lease Agreement and to the reasonable rules and regulations of the use
thereof as prescribed from time to time by Lessor.  The "premises" are set forth
on Schedule "A" attached hereto and shall include the drive-up ATM area
described in Paragraph 29.

PARAGRAPH 2.  Permitted use and Assignment. Said premises shall be used for a
bank, mortgage office and other related uses. Lessee shall not be permitted to
either sell or market insurance products in the premises because Nationwide
Insurance has an exclusivity clause in their lease prohibiting such use by other
Tenants of Chateau Centre. Lessee shall not have the right to sublet nor to
assign to any other party without first securing the consent of the Lessor.
Lessor shall not unreasonably withhold its consent with the understanding that,
if said sub-lessee shall pay rent at a higher rate than Lessee is paying, the
additional rent shall belong to Lessor. Lessor shall not lease, assign,
sublease, or allow any other space within Chateau Centre to be used for banking
purposes, with the exception of Commercial Credit, Inc., an existing lessee
already in Chateau Centre and an existing ATM bank machine located in the Quick
Stop premises.
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PARAGRAPH 3.  Signage. Lessee shall have the right to install a sign on the
marquee over its leased space which shall be paid for by Lessee.  The style of
the marquee sign must be either neon or individual raised illuminated letters.
All lighting ballast's are to be concealed in the bulkhead.  The maximum height
of the marquee sign is twenty-four inches (24").  Lessor has erected on pylon-
type sign tower at the Center to accommodate an illuminated sign advertising the
business of the Lessee.  The Lessee shall be entitled, at its own expense, to
one standard size (5" high by 10' length) pylon space allotted for Lessee's
identification.  All signs installed by Lessee shall comply and conform to the
appropriate governmental ordinances and regulations governing the same and shall
be removed by Lessee at the termination of this Lease, including repairs and/or
refinishing of the surface of the building where the sign was mounted.  The
Lessee shall provide the Lessor, for its approval, which shall not be
unreasonably withheld, drawings and specifications of its signage prior to
installation.  The pylon signage must be manufactured and installed by the
Valley City Sign Company of Grand Rapids, Michigan.

PARAGRAPH 4.  Terms and Rental. The term of this Lease shall be for a period of
36 months beginning May 1, 1999, and terminating on April 30, 2002.  Lessee
herewith has deposited $2,146.88 which shall be the first months' rent and
$2,146.88 which shall be a security deposit.  Rent shall be due on the first day
of the second month, June 1, 1999, in the amount of $2,146.88, and shall be due
monthly beginning on the first day of each month thereafter.  Lessee shall
receive rent and expense free occupancy of the premises from April 1 - 30, 1999
to prepare the premises for its intended use.

For the second year of the lease term, the rent shall be adjusted upward as
follows:  the rent for the second year shall be determined by adjusting the
first year's rent upward by the same percentage that the "all items" index of
the Consumers Price Index for the last month of the first year shall have
increased from the same index of the Consumers Price Index for the month
preceding the month in which this lease commences; the rent for each succeeding
year of the lease term shall be determined by adjusting the rent to have been
paid during the preceding year upward by the same percentage that the "all
items" index of the Consumers Price Index for the last month of the preceding
lease year (the lease year then ending) shall have increased from the same index
of the Consumers Price Index for the same month of the preceding calendar year.

                             Exhibit 10.4 - Page 2
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Notwithstanding the above, the annual rent adjustment shall not exceed three
percent (3%) during the lease base term and five percent (5%) during the lease
renewals.

Reference to the Consumers Price Index is the official Consumers Price Index,
United States City Average for All Urban Consumers, published by the United
States Department of Labor, Bureau of Labor Statistics, Washington, DC 1982-84 =
100.  In the event that during the lease term such Index shall not be available
in the same form, or shall be calculated on a different basis than 1982-84 =
100, and if the Bureau of Labor Statistics shall have substituted a new Index
with the appropriate tables for conversion from the discontinued Index to the
substituted Index, such conversion shall be made and rent for the period
commencing after such substitution shall be on the basis of the substituted
Index properly converted from the discontinued Index in accordance with such
conversion tables.  It is the intention of the parties that the transition from
one Index to the other shall not result in an increase in the rent adjustment
which would not otherwise have been made except for such transition.  In the
event that such Index shall be discontinued during the term of this lease, and
if no official Bureau of Labor Statistics Index shall be substituted with
appropriate conversion tables, and if the parties are unable to agree upon a
basis for rent adjustment thereafter, then such adjustment shall be determined
by two arbitrators in accordance with the rules of the American Arbitration
Association.  In the event that the Consumers Price Index for a particular month
is not published in sufficient time to allow for the rent adjustment provided
for above in the first month of any lease year, as soon as is practicable after
such publication the rent adjustment shall be made and any increase in the rent
to be paid shall be paid immediately.

In the event the base rent and/or additional rentals are paid more than ten (10)
days after such rent is due, such rent shall be assessed a one-time late charge
of five percent (5%) of the amount unpaid, and shall bear interest from the due
date until paid at the lesser of the rate of one and one-quarter percent (1.25%)
per month or the highest rate permitted by law.

PARAGRAPH 5.  Insurance.  Insurance shall be obtained and maintained in
accordance with the following provisions:

                             Exhibit 10.4 - Page 3
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     (a)  Lessor shall obtain and maintain such fire and extended coverage
insurance in an amount not less than the then current replacement cost of the
building and other improvements of Chateau Centre. This expense shall be
reimbursed to Lessor pursuant to Paragraph 7 hereof. Lessee shall obtain and
maintain such fire and extended coverage insurance as Lessee deems necessary to
protect its own property located on the Premises.

     (b)  Lessor shall obtain and maintain such insurance covering public
liability as will protect Lessor and Lessee against claims or any and all
persons for personal injury, death or property damage occurring in, on, or about
the Premises, or in any manner growing out of or connected with Lessor's
ownership, or Lessee's use or occupation of the Premises, or the condition
thereof, such insurance to afford protection to the limit of not less than
$500,000 per person, $1,000,000 per accident, and $1,000,000 property damage.
This expense shall be reimbursed to Lessor pursuant to Paragraph 7 hereof.
Further, Lessee and Lessor agree to indemnify and hold each other harmless from
liability for damages to any person or property in or about the leased premises
resulting from the negligence of the indemnifying party or its agents, except to
the extent such damage is covered by insurance. Except as provided in Paragraph
6, Lessee agrees to be a self-insurer or carry insurance for the replacement and
repair of any plate glass upon the premises and further agrees, in the event of
any breakage not caused by Lessor or not covered by the fire and extended
coverage policy of Lessor to replace such glass promptly.

     The Lessor and the Lessee, and all parties claiming under them, hereby
mutually release and discharge each other from all claims and liabilities
arising from or caused by any hazards covered by insurance on the lease
Premises, or covered by insurance in connection with property on or activities
conducted on the Premises regardless of the cause of the damage or loss. Lessor
and Lessee shall each cause appropriate clauses to be included in their
respective insurance policies covering the Premises waiving subrogation against
the other party consistent with the mutual release contained in this paragraph.

PARAGRAPH 6.  Maintenance. Lessor shall, at all times during the lease term,
maintain the exterior and structural interior portions of the building,
including walls and roof, and any glass breakage caused by the elements,
settling of the building or structural defects. The above,

                             Exhibit 10.4 - Page 4
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notwithstanding, however, Lessee shall, at its expense, keep every part of said
Premises in good repair, including but not limited to electrical, plumbing,
heating and air conditioning equipment except that Lessor shall be responsible
for any repairs that are considered a capital investment or improvement as
defined in Paragraph 7; and shall at all times keep Premises in as good a
condition and repair as when possession is taken and upon termination of this
Lease, by lapse of time or otherwise, will yield up said premises in as good
condition and repair as when taken, ordinary use and wear excepted. Lessee shall
also wash windows, maintain their exterior signs and antenna systems, assume day
to day maintenance and replacement of interior lighting and mechanicals, and
shall keep the interior of the building in neat condition at all times.

PARAGRAPH 7.  Proration of Operating Expenses.  In addition to the rents
specified pursuant to Paragraph 4 hereof, Lessee shall pay to Lessor, as
additional rent, Lessee's pro-rata share of the general operating expense
incurred by Lessor in maintaining Chateau Centre.  It is agreed that Lessee's
pro-rata share is 4.74 percent.  For purposes hereof, the term operating
expenses means the following:  costs and expenses incurred by Lessor with
respect to the land and improvements on and in which the Premises are situated;
all property taxes and assessments:  real, personal, general, and special;
water, sewer, common area lighting, electricity, property management fees,
maintenance services contracted for by Lessor, and/or wages, salaries, fringe
benefits, and applicable taxes on the employer if performed by Lessor; general
maintenance, snow removal and exterior grounds care; seasonal maintenance
contract for heating and air conditioning equipment; parking area cleanup and
parking lot maintenance; insurance premiums; and repairs and general maintenance
to common areas, but excluding any alterations to meet the need of specific
tenants and any capital investments or improvements as defined in accordance
with federal tax reporting requirements and generally accepted accounting
principles.  All operating expenses are billed to Lessee on an annual basis
based on a budget accounting.   Payment shall be made monthly to Lessor and due
with rent payment.  Each year, Lessor shall submit to Lessee a budget estimating
total operating expenses for the preceding/current year.  Lessee shall pay each
month its pro-rata share (4.74%) of the total operating expense estimate of that
year's budget divided by twelve/1/.  Each successive year, actual operating
expenses shall be reconciled to the budget amount.  Lessee shall be credited (if
actual is lower) or charged (if actual is higher) the net difference to the
following month's operating expense payment/2/.  The

                             Exhibit 10.4 - Page 5
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additional rent payment as calculated by this paragraph is to be received (due)
by the Lessor along with rent payment on the first day of each month.

/1/Example:  Total operating expenses for 199X are $1,000.00.  Lessee pays 4.74%
   -------
x $1,000.00/12 months = $3.95 per month.

/2/Example:  199X budget $1,000.00 - 199X actual $1,100.00.  Lessee pays 4.74%
   -------
of $1,100 - 1,000 = $100 x 4.74% = $4.74 in next months statement.

PARAGRAPH 8.  Utilities.  Lessee shall pay for all gas, electricity, water,
sewage or telephone services, or other utility services used by it during the
entire term of this Lease.  The Lessee shall be responsible for all utilities in
the leased space from the date it is first occupied for remodeling or leasehold
improvements.  It shall also be the responsibility of the Lessee prior to
occupancy to apply for the utility service in their name.

PARAGRAPH 9.  Destruction of Premises.  If, during the term of this Lease, the
Premises shall be partially or wholly destroyed by fire, by the elements or by
any other cause, and such destruction cannot be repaired, replaced or restored
within 120 days, then this Lease, at the option of the Lessee and upon notice in
writing to Lessor, shall cease and terminate and each party shall be released of
further obligation thereunder, and Lessor shall refund to Lessee any portion of
rent paid in advance and not earned at the time of such destruction.  If,
however, Lessee elects to continue this Lease or if such destruction may be
repaired, replaced, or restored within 120 days, Lessor shall repair the
premises as speedily as possible, at Lessor's expense and upon completion of
such repairs, Lessee shall be entitled to a reduction of rent in proportion to
the amount of floor space of which it was deprived of use while such repairs
were being made.

PARAGRAPH 10. Liens.  Lessee shall keep the leased premises free from any liens
arising out of any work performed, materials furnished, or obligation incurred
by Lessee.

PARAGRAPH 11. Eminent Domain. If all of the leased premises, or such part
thereof as to render the balance unsuitable for carrying on Lessee's business,
is taken by condemnation proceedings, this Lease shall terminate, at the option
of Lessee, at the time when possession of the whole or of the part so taken
shall be required for such public use, and the rents, properly apportioned,
shall be paid up to that time only.  Such taking shall not be deemed a breach of
the covenants of Lessor for quiet enjoyment herein contained.

                             Exhibit 10.4 - Page 6
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PARAGRAPH 12.  Title Covenants and Quiet Enjoyment. Lessor covenants that it is
seized of the leased premises and has the full right to make this Lease, and
that Lessee shall have quiet and peaceful possession and enjoyment of the leased
premises during all of the term and renewal thereof against all acts of any
parties claiming title to, or a right to, the possession of said leased
premises.

PARAGRAPH 13.  Personal Property Fixtures and Equipment. Personal property,
including fixtures and other equipment owned by Lessee, or its assignee or
subtenant in said premises, shall not become a part of the realty, even if
fastened to the premises, but shall retain their status as personalty and may be
removed by Lessee at any time.  However, any damage to the leased premises
caused by the removal of such property shall be repaired by Lessee at its
expense.

PARAGRAPH 14.  Default and Remedies. In case Lessee shall default in the
performance of any covenant or agreement herein contained and such default shall
continue for thirty (30) days after receipt by Lessee of written notice thereof
by Lessor, then Lessor at its option may declare this Lease terminated and may
re-enter the leased premises with due process of law and remove all persons
therefrom; provided however, that if the default is (1) non-payment of any rent
obligation, (2) a health hazard, or (3) physical damage to the premises, then
the written notice period shall just be seven (7) days rather than thirty (30)
days.  The exercise by Lessor of the right of re-entry shall not be a bar to, or
prejudice in any way, any other legal remedies available to Lessor.  If Lessor
shall commit a substantial default in a performance of any covenant or agreement
herein contained and such default shall continue for ten (10) days after receipt
by Lessor of written notice given by Lessee, then no rent shall be paid or
become payable under this Lease for such time as such default shall continue
after the expiration of said 10-day period.

Notwithstanding any other provisions contained in this Lease, in the event (a)
Lessee or its successors or assignees shall become insolvent or bankrupt, or if
it or their interests under this Lease shall be levied upon or sold under
execution or other legal process, or (b) the depository institution then
operating on the leased premises is closed, or is taken over by any depository
institution supervisory authority ("Authority"), Lessor may, in either such
event, terminate this

                             Exhibit 10.4 - Page 7
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Lease only with the concurrence of any Receiver or Liquidator appointed by such
Authority; provided, that in the event this Lease is terminated by the Receiver
or Liquidator, the maximum claim of Lessor for rent, damages, or indemnity for
injury resulting from the termination, rejection, or abandonment of the
unexpired Lease shall by law in no event be in an amount exceeding an amount
equal to all accrued and unpaid rent to the date of termination.

PARAGRAPH 15.  Termination. Lessee, at the termination of said Lease, shall
redeliver and surrender up to Lessor the leased premises in good order and
condition, ordinary, reasonable wear and tear excepted.

PARAGRAPH 16.  Entry by Landlord.  For the purpose of maintaining the premises,
Lessor reserves the right at reasonable times upon prior reasonable notice
(except in case of emergency) to enter and inspect the premises and to make any
necessary repairs to the premises.

PARAGRAPH 17.  Notices.  Any notice under this Lease shall be deemed  to have
been given when a written memorandum thereof is deposited in a United States
mailbox with postage prepaid and addressed to the party entitled to receive
notice at the address contained in this Lease or at such other addresses as the
parties may from time to time designate.

PARAGRAPH 18.  Alterations.  Lessee may make such alterations and changes in
such parts of the building as Lessee finds necessary, providing Lessor consents
thereto, and Lessor shall not unreasonably withhold its consent.

PARAGRAPH 19.  Renewals.  Lessee shall have the option to renew this Lease for
three (3) terms of three (3) years each.  To exercise said option Lessee shall
give notice to Lessor in writing not less then 120 days prior to the expiration
of the initial term or any extension thereof.  An election to renew that is
given too late is void.  The rental rate for the renewal periods shall be the
same as mentioned in Paragraph 4 above.  The option to renew may not be
exercised by Lessee if Lessee is in default in performing this Lease Agreement,
or has received from Lessor two or more notices to quit during the initial term.

                             Exhibit 10.4 - Page 8
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PARAGRAPH 20.  Parking.  It is further agreed that Lessee and Lessee's employees
shall park all vehicles in the parking lot in the rear of the building, leaving
the front parking available for customers.

PARAGRAPH 21.  Security Deposits.  Lessee is herewith depositing $2,146.88 as a
security deposit which will be held by Lessor.  The security deposit will be
charged for any damage or unpaid rent at the end of the lease term, and the
remaining balance shall be immediately returned to Lessee.

PARAGRAPH 22.  Leasehold Improvements.  Leasehold improvements made by the
Lessee must be approved by the Lessor prior to construction, and Lessor shall
not unreasonably withhold its consent.  Any improvements made, even if approved
by Lessor, must be removed by the Lessee upon the expiration of the Lease and
the lease space returned to its original condition unless otherwise agreed.

PARAGRAPH 23.  Termination and Inspection.  Lessee shall call for an inspection
by the Lessor upon the termination of the Lease whether voluntary or involuntary
within seven (7) days following the last business day occupied to determine if
the premises have been returned in a satisfactory condition.  Lessor may waive
this right, but in any case must give a written release stating that the terms
of the Lease have been met in full for the security deposit to be returned.

PARAGRAPH 24.  Headings.  The headings which are used following the number of
each paragraph are so used only for convenience in locating various provisions
of this Lease and shall not be deemed to affect the interpretation or
construction of such provisions.

PARAGRAPH 25.  Complete Agreements and Amendments.  This Lease Agreement
constitutes the complete terms and agreement between Lessor and Lessee.  There
are no unwritten modifications or understandings. This Agreement can be amended
or modified only by written agreement signed by both parties.

                             Exhibit 10.4 - Page 9
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PARAGRAPH 26.  Advice of Counsel.  The Lessor and Lessee herewith acknowledge
that Ben M. Muller Realty Co., Inc., agent for Lessor, has recommended that the
parties to this Lease Agreement retain an attorney to advise them as to all
aspects of this transaction. Upon signing of this Lease Agreement, the Lessor
and Lessee agree to hold Ben M. Muller Realty Co., Inc. and its agents harmless
from any claims arising from this transaction.

PARAGRAPH 27.  Lessor's Work. Prior to April 5, 1999, Lessor shall complete the
following described work without expense to Lessee:

1.   Install partitioning wall to create the premises.  Such wall shall be
     drywalled, taped and sanded (ready for paint) and shall include electrical
     outlets to code.

2.   Prior to May 1, 1999, Lessor shall replace wood facia on marquee damaged by
     prior lessee's signage.

All other interior work shall be done by and at the sole expense of the Lessee.

PARAGRAPH 28.  Drive-up ATM.  Lessor hereby leases to Lessee the necessary area
and gives Lessee its permission, at Lessee's sole cost and expense, to install
and maintain a drive-up ATM and accompanying improvements to the East of the
Easterly Chateau Centre drive isle as shown on Schedule B attached hereto.  It
shall also be the Lessee's responsibility to obtain all Municipal approvals to
install and construct such ATM, driveway islands, landscaping, etc.  The Lessee
agrees to remove such ATM and accompanying improvement at the termination of
this Lease unless otherwise agreed to in writing by Lessor.  Lessor shall keep
such area free of obstructions so as not to obstruct use of such ATM machine.

PARAGRAPH 29.  Subordination and Non-Disturbance.  If requested by Lessee,
Lessor shall deliver a non-disturbance agreement in favor of Lessee from any
mortgagee currently holding an interest in the lease premises.  Lessee at its
expense shall provide the form of non-disturbance agreement.  Such non-
disturbance agreement shall provide that the tenancy and other rights of the
Lessee hereunder shall not be disturbed, so long as Lessee pays the rent and
performs all of the other terms and conditions of this Lease.  The Lessee hereby
agrees to subordinate this Lease to any mortgage affecting the leased premises
hereafter made by the Lessor, provided that

                            Exhibit 10.4 - Page 10
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simultaneously with the execution of such mortgage, the mortgagee executes a
non-disturbance agreement in favor of Lessee which provides that the tenancy and
other rights of Lessee hereunder shall not be disturbed, so long as Lessee pays
the rent and performs all of the other terms and conditions of this Lease.

                                  **********

                            Exhibit 10.4 - Page 11
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IN WITNESS WHEREOF, Lessor and Lessee have caused this Lease to be executed on
the day and year first above written.

                              CHATEAU VILLAGE, L.L.C.,
                              a Michigan Limited Liability Company
                              Federal I.D. Number 38-2447200

                              Lessor:

                              By      /s/ John Koetje
                                 --------------------------------------

                              Its:  Authorized Member

                              MACATAWA BANK,
                              a Michigan banking corporation

                              Lessee:

                              By      /s/ Philip Koning
                                 --------------------------------------

                              Its:  President

                            Exhibit 10.4 - Page 12<PAGE>

                                 EXHIBIT 10.9

Line of Credit Agreement
--------------------------------------------------------------------------------

Bank One, Michigan (the "Bank"), whose address is 611 Woodward Avenue, Detroit,
Michigan 48226-3947, has approved the credit facilities listed below
(collectively, the "Credit Facilities," and, individually, as designated below)
to Macatawa Bank Corporation (the "Borrower"), whose address is 51 East Main
Street, Zeeland, MI 49464, subject to the terms and conditions set forth in this
agreement.

1.0  Credit Facilities.

     Facility A.  The Bank has approved a credit facility to the Borrower in the
     principal sum not to exceed $5,000,000.00 in the aggregate at any one time
     outstanding ("Facility A").  Credit under Facility A shall be in the form
     of disbursements evidenced by credits to the Borrower's account and shall
     be repayable as set forth in a Revolving Business Credit Note executed
     concurrently (referred to in this agreement both singularly and together
     with any other promissory notes referenced in this Section 1 as the
     "Notes").  The proceeds of Facility A shall be used for the following
     purpose:  Investment in bank subsidiary Macatawa Bank, investment in its
     Trust Services subsidiary or working capital.  Facility A shall expire
     September 26, 2001, unless earlier withdrawn.

2.0  Conditions Precedent.

     2.1  Conditions Precedent to Initial Extension of Credit.  Before the first
          extension of credit under this agreement, whether by disbursement of a
          loan, issuance of a letter of credit, the funding of a Lease or
          otherwise, the Borrower shall deliver to the Bank, in form and
          substance satisfactory to the Bank:

          A.   Loan Documents. The Notes, and if applicable, the Leases, the
               letter of credit applications, the security agreement, financing
               statements, mortgage, guaranties, subordination agreements and
               any other loan documents which the Bank may reasonably require to
               give effect to the transactions described by this agreement;

          B.   Evidence of Due Organization and Good Standing. Evidence
               satisfactory to the Bank of the due organization and good
               standing of the Borrower and every other business entity that is
               a party to this agreement or any other loan document required by
               this agreement;

          C.   Evidence of Authority to Enter into Loan Documents. Evidence
               satisfactory to the Bank that (i) each party to this agreement
               and any other loan document required by this agreement is
               authorized to enter into the transactions described by this
               agreement and the other loan documents, and (ii) the person
               signing on behalf of each party is authorized to do so; and
<PAGE>

     2.2  Conditions Precedent to Each Extension of Credit. Before any extension
          of credit under this agreement, whether by disbursement of a loan,
          issuance of a letter of credit, the funding of a Lease or otherwise,
          the following conditions shall have been satisfied:

          A.   Representations. The Representations contained in this agreement
               shall be true on and as of the date of the extension of credit;

          B.   No Event of Default. No event of default shall have occurred and
               be continuing or would result from the extension of credit;

          C.   Additional Approvals, Opinions, and Documents. The Bank shall
               have received such other approvals, opinions and documents as it
               may reasonably request.

3.0  Borrowing Base/Annual Pay Down.

     3.1  Borrowing Base. Notwithstanding any other provision of this agreement,
          the aggregate principal amount outstanding at any one time under
          Facility A, shall not exceed the lesser of the Borrowing Base or
          $5,000,000.00. Borrowing Base means:

          A.   50% of the tangible book value of the common stock of Macatawa
               Bank.

4.0  Fees and Expenses.

     4.1  Fees.  Upon execution of this agreement, or as set forth below, the
          Borrower shall pay the Bank the following fees, all of which the
          Borrower acknowledges have been earned by the Bank:  $4,000.00
          ($2,000.00) prepayment paid by borrower).

     4.2  Out-of-Pocket Expenses. The Borrower shall reimburse the Bank for its
          out-of-pocket expenses, and reasonable attorney's fees (including the
          fees of in-house counsel) allocated to the Credit Facilities.

5.0  Security

     5.1  Payment of the borrowings and all other obligations under the Credit
          Facilities shall be secured by a first security interest and/or real
          estate mortgage, as the case may be, covering the following property
          and all its additions, substitutions, increments, proceeds and
          products, whether now owned or later acquired ("Collateral"):

          A.   Common Stock. Common stock of Macatawa Bank representing
               ownership, voting interest and having $10,000,000.00 book value.

                             Exhibit 10.9 - Page 2
<PAGE>

          Should the borrowers subsidiary bank, Macatawa Bank, incur a ratio of
          Non-Performing Assets to Total Loans Plus OREO exceeding 1.75%, a net
          loss for any fiscal quarter ending or any financial default of the
          credit agreement, the borrower agrees to pledge at the request of Bank
          One Michigan, Common Shares of Macatawa Bank Stock necessary to
          represent 51% voting and ownership interest.

     5.2  No forbearance or extension of time granted any subsequent owner of
          the Collateral shall release the Borrower from liability.

     5.3  Additional Collateral/Setoff. To further secure payment of the
          borrowings and all other obligations under the Credit Facilities and
          all of the Borrower's other liabilities to the Bank, the Borrower
          grants to the Bank a continuing security interest in: (i) all
          securities and other property of the Borrower in the custody,
          possession or control of the Bank (other than property held by the
          Bank solely in a fiduciary capacity) and (ii) all balances of deposit
          accounts of the Borrower with the Bank. The Bank shall have the right
          at any time to apply its own debt or liability to the Borrower, or to
          any other party liable for payment of the obligations under the Credit
          Facilities, in whole or partial payment of such obligations or other
          present or future liabilities, without any requirement of mutual
          maturity.

     5.4  Cross Lien. Any of the Borrower's other property in which the Bank has
          a security interest to secure payment of any other debt, whether
          absolute, contingent, direct or indirect, including the Borrower's
          guaranties of the debts of others, shall also secure payment of and be
          part of the Collateral for the Credit Facilities.

6.0  This section intentionally left blank.

7.0  This section intentionally left blank.

8.0  Affirmative Covenants. So long as any debt or obligation remains
     outstanding under the Credit Facilities, the Borrower, and each of its
     subsidiaries, if any, shall:

     8.1  Insurance.  Maintain insurance with financially sound and reputable
          insurers covering its properties and business against those casualties
          and contingencies and in the types and amounts as shall be in
          accordance with sound business and industry practices.

     8.2  Existence. Maintain its existence and business operations as presently
          in effect in accordance with all applicable laws and regulations, pay
          its debts and obligations when due under normal terms, and pay on or
          before their due date, all taxes, assessments, fees and other
          governmental monetary obligations, except as they may be contested in
          good faith if they have been properly reflected on its books and, at
          the Bank's request, adequate funds or security has been pledged to
          insure payment.

                             Exhibit 10.9 - Page 3
<PAGE>

     8.3  Financial Records.  Maintain proper books and records of account, in
          accordance with generally accepted accounting principles where
          applicable, and consistent with financial statements previously
          submitted to the Bank.  The Bank retains the right to inspect the
          Collateral and business records related to it at such times and at
          such intervals as the Bank may reasonably require.

     8.4  Notice. Give prompt notice to the Bank of the occurrence of (i) any
          Event of Default, and (ii) any other development, financial or
          otherwise, which would affect the Borrower's business, properties or
          affairs in a materially adverse manner.

     8.5  Financial Reports. Furnish to the Bank whatever information, books,
          and records the Bank may reasonably request, including at a minimum:
          (If the Borrower has subsidiaries, all financial statements required
          will be provided on a consolidated and on a separate basis.)

          A.   Within 45 days after each interim quarterly period, a call report
               of bank subsidiaries.

          B.   Within 45 days after each interim quarterly period, a 10Q
               financial statement including: a balance sheet as of the end of
               that period, and statements of income, retained earning, from the
               beginning of that fiscal year to the end of that period,
               certified as correct by one of its management authorized agents.

          C.   Within 120 days after, and as of the end of, each of its fiscal
               years, a detailed audit including a balance sheet and statements
               of income, cash flows, and retained earnings, certified by an
               independent certified public accountant of recognized standing.

          D.   Within 45 days after and as of the end of each fiscal quarter, a
               calculation of the financial covenants for this credit facility
               certified as correct and accurate by one of its authorized
               agents.

9.0  Negative Covenants.

     9.1  Definitions. As used in this agreement, the following terms shall have
          the following respective meanings:

          A.   "Debt Service" means for any period, principal and interest
               payments either paid or due during that period on all debt of the
               Borrower.

          B.   "EBITDA" means for any period, net income plus to the extent
               deducted in determining net income, interest expense (including
               but not limited to

                             Exhibit 10.9 - Page 4
<PAGE>

               imputed interest on capital leases), tax expense, depreciation,
               and amortization.

          C.   "Subordinated Debt" means debt subordinated to the Bank in manner
               and by agreement satisfactory to the Bank.

          D.   "Tangible Net Worth" means total assets less intangible assets,
               total liabilities, and all sums owing from stockholders, members,
               or partners, as the case may be, and from officers, managers, and
               directors. Intangible assets include goodwill, patents,
               copyrights, mailing lists, catalogs, trademarks, bond discount
               and underwriting expenses, organization expenses, and all other
               intangibles.

     9.2  Unless otherwise noted, the financial requirements set forth in this
          section shall be computed in accordance with generally accepted
          accounting principals applied on a basis consistent with financial
          statements previously submitted by the Borrower to the Bank.

     9.3  Without the written consent of the Bank, so long as any debt or
          obligation remains outstanding under the Credit Facilities, the
          Borrower shall not: (where appropriate, covenants apply on a
          consolidated basis).

          A.   Debt. Incur, or permit to remain outstanding, debt for borrowed
               money or installment obligations, except debt reflected in the
               latest financial statement of the Borrower furnished to the Bank
               prior to execution of this agreement and not to be paid with
               proceeds of borrowings or leases under the Credit Facilities. For
               purposes of this covenant, the sale of any accounts receivable
               shall be deemed the incurring of debt for borrowed money.

          D.   Guaranties. Guarantee or otherwise become or remain secondarily
               liable on the undertaking of another, except for endorsement of
               drafts for deposit and collection in the ordinary course of
               business. This covenant does not limit the normal activity of
               Borrower's subsidiary bank, Macatawa Bank.

          E.   Liens. Create or permit to exist any lien on any of its property,
               real or personal, except: existing liens known to the Bank; liens
               to the Bank; liens incurred in the ordinary course of business
               securing current nondelinquent liabilities for taxes, worker's
               compensation, unemployment insurance, social security and pension
               liabilities; and liens for taxes being contested in good faith.
               This covenant does not limit the normal activity of Borrowers
               subsidiary bank, Macatawa Bank.

          F.   Advances and Investments. Purchase or acquire any securities of,
               or make any loans or advances to, or investments in, any person,
               firm or corporation, except as described as the purpose of
               Facility A plus

                             Exhibit 10.9 - Page 5
<PAGE>

               obligations of the United States Government, open market
               commercial paper rated one of the top two ratings by a rating
               agency of recognized standing, or certificates of deposit in
               insured financial institutions. This covenant does not limit the
               normal activity of Borrowers subsidiary bank, Macatawa Bank.

          G.   Use of Proceeds. Use, or permit any proceeds of the Credit
               Facilities to be used, directly or indirectly, for the purpose of
               "purchasing or carrying any margin stock" within the meaning of
               Federal Reserve Board Regulation U. At the Bank's request, the
               Borrower shall furnish to the Bank a completed Federal Reserve
               Board Form U-1.

          H.   Non-performing Loan Ratio. Permit the ratio of Nonperforming
               Assets to Total Loans and Other Real Estate and Repossessed
               Assets Owned to exceed 2.25%.

          I.   Loan Loss Reserves. Permit the ratio of Loan Loss reserves to
               Non-performing assets to be less than 100%.

          J.   Tangible Net North to Total Assets. Permit its ratio of Tangible
               Net Worth to Total Assets to be less than 7.0%.

          K.   Leverage Ratio. Permit the ratio of its Total Debt to its
               Tangible net Worth to exceed .50 to 1.00. (For the purposes of
               this covenant, Total Debt does not include Borrowed Money of its
               Bank Subsidiary.

          L.   Well Capitalized. The Borrower will remain "Well Capitalized" as
               defined by the applicable regulatory agencies.

          M.   Leases. Contract for or assume in any manner lease obligations if
               the aggregate of all payments shall exceed $100,000 in any one
               fiscal year, excluding, however, obligations under prior year
               Leases.

10.0 Representations by Borrower.  Each Borrower represents that:  (a) the
     execution and delivery of this agreement, the Notes, and the Leases and the
     performance of the obligations they impose do not violate any law, conflict
     with any agreement by which the Borrower is bound, or require the consent
     or approval of any governmental authority or other third party for which
     consent or approval has not been granted; (b) this agreement, the Notes,
     and the Leases are valid and binding agreements, enforceable in accordance
     with their terms; and (c) all balance sheets, profit and loss statements,
     and other financial statements furnished to the Bank are accurate and
     fairly reflect the financial condition of the organizations and persons to
     which they apply on their effective dates, including contingent liabilities
     of every type, which financial condition has not changed materially and
     adversely since those dates.  Each Borrower, if other than a natural
     person, further represents that:  (a) it is duly organized, existing and in
     good standing under the laws of the jurisdiction under which it was
     organized; and (b) the execution and delivery of this

                             Exhibit 10.9 - Page 6
<PAGE>

     agreement, the Notes, and the Leases and the performance of the obligations
     they impose (i) are within its power; (ii) have been duly authorized by all
     necessary action of its governing body; and (iii) do not contravene the
     terms of its articles of incorporation or organization, its bylaws, or any
     partnership, operating or other agreement governing its affairs.

11.0 Default/Acceleration.

     11.1 Events of Default/Acceleration. If any of the following events occurs,
          the Credit Facilities shall terminate and all borrowings and other
          obligations under them shall be due immediately, without notice, at
          the Bank's option whether or not the Bank has made demand.

          A.   The Borrower or any guarantor of any of the Credit Facilities,
               the Notes or the Leases ("Guarantor") fails to pay when due any
               amount payable under the Credit Facilities or under any agreement
               or instrument evidencing debt to any creditor;

          B.   The Borrower or any Guarantor (a) fails to observe or perform any
               other term of this agreement, the Notes, or the Leases; (b) makes
               any materially incorrect or misleading representation, warranty,
               or certificate to the Bank; (c) makes any materially incorrect or
               misleading representation in any financial statement or other
               information delivered to the Bank; or (d) defaults under the
               terms of any agreement or instrument relating to any debt for
               borrowed money (other than borrowings under the Credit
               Facilities) such that the creditor declares the debt due before
               its maturity;

          C.   There is a default under the terms of any loan agreement,
               mortgage, security agreement or any other document executed as
               part of the Credit Facilities, or any guaranty of the obligations
               under the Credit Facilities becomes unenforceable in whole or in
               part, or any Guarantor fails to promptly perform under its
               guaranty;

          D.   A "reportable event" (as defined in the Employee Retirement
               Income Security Act of 1974 as amended ) occurs that would permit
               the Pension Benefit Guaranty Corporation to terminate any
               employee benefit plan of the Borrower or any affiliate of the
               Borrower;

          E.   The Borrower or any Guarantor becomes insolvent or unable to pay
               its debts as they become due;

          F.   The Borrower or any Guarantor (a) makes an assignment for the
               benefit of creditors; (b) consents to the appointment of a
               custodian, receiver or trustee for it or for a substantial part
               of its assets; or (c) commences any proceeding under any
               bankruptcy, reorganization, liquidation or similar laws of any
               jurisdiction;

                             Exhibit 10.9 - Page 7
<PAGE>

          G.   A custodian, receiver or trustee is appointed for the Borrower or
               any Guarantor or for a substantial part of its assets without its
               consent and is not removed within 60 days after such appointment;

          H.   Proceedings are commenced against the Borrower or any Guarantor
               under any bankruptcy, reorganization, liquidation, or similar
               laws of any jurisdiction, and such proceedings remain undismissed
               for 60 days after commencement; or the Borrower or Guarantor
               consents to the commencement of such proceedings;

          I.   Any judgment is entered against the Borrower or any Guarantor or
               any attachment, levy or garnishment is issued against any
               property of the Borrower or any Guarantor;

          J.   The Borrower or any Guarantor, without the Bank's written consent
               (a) is dissolved, (b) merges or consolidates with any third
               party, (c) leases, sells or otherwise conveys a material part of
               its assets of business outside the ordinary course of business,
               (d) leases, purchases, or otherwise acquires a material part of
               the assets of any other corporation or business entity, except in
               the ordinary course of business, or (e) agrees to do any of the
               foregoing, (notwithstanding the foregoing, any subsidiary may
               merge or consolidate with any other subsidiary, or with the
               Borrower, so long as the Borrower is the survivor);

          L.   The loan-to-book value ratio of any pledged securities at any
               time exceeds 50% , and such excess continues for five (5) days
               after notice from the Bank to the Borrower;

          M.   There is a substantial change in the existing or prospective
               financial condition of the Borrower or any Guarantor which the
               Bank in good faith determines to be materially adverse.

     11.2 Remedies. If the borrowings and all other obligations under the Credit
          Facilities are not paid at maturity, whether by acceleration or
          otherwise, the Bank shall have all of the rights and remedies provided
          by any law or agreement. Any requirement of reasonable notice shall be
          met if the Bank sends the notice to the Borrower at least seven (7)
          days prior to the date of sale, disposition or other event giving rise
          to the required notice. The Bank is authorized to cause all or any
          part of the Collateral to be transferred to or registered in its name
          or in the name of any other person, firm, or corporation, with or
          without designation of the capacity of such nominee. The Borrower
          shall be liable for any deficiency remaining after disposition of any
          Collateral. The Borrower is liable to the Bank for all reasonable
          costs and expenses of every kind incurred in the making or collection
          of the Credit Facilities, including, without limitation, reasonable
          attorney's fees and court costs (whether attributable to the Bank's
          in-house or

                             Exhibit 10.9 - Page 8
<PAGE>

          outside counsel). These costs and expenses shall include, without
          limitation, any costs or expenses incurred by the Bank in any
          bankruptcy, reorganization, insolvency or other similar proceeding.

12.0 Miscellaneous.

     12.1 Notice from one party to another relating to this agreement shall be
          deemed effective if made in writing (including telecommunications) and
          delivered to the recipient's address, telex number or fax number set
          forth under its name below by any of the following means: (a) hand
          delivery, (b) registered or certified mail, postage prepaid, with
          return receipt requested, (c) first class or express mail, postage
          prepaid, (d) Federal Express or like overnight courier service or (e)
          fax, telex or other wire transmission with request for assurance of
          receipt in a manner typical with respect to communication of that
          type. Notice made in accordance with this section shall be deemed
          delivered upon receipt if delivered by hand or wire transmission, 3
          business days after mailing if mailed by first class, registered or
          certified mail, or one business day after mailing or deposit with an
          overnight courier service if delivered by express mail or overnight
          courier.

     12.2 No delay on the part of the Bank in the exercise of any right or
          remedy shall operate as a waiver. No single or partial exercise by the
          Bank of any right or remedy shall preclude any other future exercise
          of it or the exercise of any other right or remedy. No waiver or
          indulgence by the Bank of any default shall be effective unless in
          writing and signed by the Bank, nor shall a waiver on one occasion be
          construed as a bar to or waiver of that right on any future occasion.

     12.3 This agreement, the Notes, the Leases and any related loan documents
          embody the entire agreement and understanding between the Borrower and
          the Bank and supersede all prior agreements and understandings
          relating to their subject matter. If any one or more of the
          obligations of the Borrower under this agreement, the Notes or the
          Leases shall be invalid, illegal or unenforceable in any jurisdiction,
          the validity, legality and enforceability of the remaining obligations
          of the Borrower shall not in any way be affected or impaired, and such
          invalidity, illegality or unenforceability in on jurisdiction shall
          not affect the validity, legality or enforceability of the obligations
          of the Borrower under this agreement, the Notes or the Leases in any
          other jurisdiction.

     12.4 The Borrower, if more than one, shall be jointly and severally liable.

     12.5 This agreement is delivered in the State of Michigan and governed by
          Michigan law. This agreement is binding on the Borrower and its
          successors, and shall inure to the benefit of the Bank, its successors
          and assigns.

     12.6 Section headings are for convenience of reference only and shall not
          affect the interpretation of this agreement.

                             Exhibit 10.9 - Page 9
<PAGE>

     13.0 Information Sharing. The Bank may provide, without any limitation
          whatsoever, any information or knowledge the Bank may have about the
          undersigned or any matter relating to this agreement and related
          documents to BANK ONE CORPORATION, or any of its subsidiaries or
          affiliates or their successors, or to any one or more purchasers or
          potential purchasers of this agreement or any related documents, and
          the undersigned excluding confidential information, waives any right
          to privacy the undersigned may have with respect to such matters. The
          Borrower agrees that the Bank may at any time sell, assign or transfer
          one or more interests or participations in all or any part of its
          rights or obligations in this agreement to one or more purchasers
          whether or not related to the Bank.

     14.0 Waiver of Jury Trial. The Bank and the Borrower knowingly and
          voluntarily waive any right either of them have to a trial by jury in
          any proceeding (whether sounding in contract or tort) which is in any
          way connected with this or any related agreement, or the relationship
          established under them. This provision may only be modified in a
          written instrument executed by the Bank and the Borrower.

Executed by the parties on: September 26, 2000

Bank One, Michigan                      Borrower Macatawa Bank Corporation

    /s/ Roger A. Bick                         /s/ Benj A. Smith III
---------------------------------       ---------------------------------------
Roger A. Bick, Vice President           Benj A. Smith III  Its:  Chairman

Address for Notices                     Address for Notices

611 Woodward Ave. MI1-8077              248 Waverly Rd.
Detroit, Michigan 48226                 Suite 2C-Adm.
                                        Holland, Michigan 49423

Fax/Telex No. (313) 225-1141            Fax/Telex No. (616) 494-7644

                            Exhibit 10.9 - Page 10

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