Document:

EXHIBIT 10.37
                                  -------------

                      EMPLOYEE CHANGE IN CONTROL AGREEMENT
                 NOT TO BE CONSTRUED AS AN EMPLOYMENT AGREEMENT

                      THE FIRST NATIONAL BANK OF LITCHFIELD
                     FIRST LITCHFIELD FINANCIAL CORPORATION
                                 13 North Street
                             Litchfield, Connecticut

         WHEREAS, The First National Bank of Litchfield (the "Bank") and its
parent bank holding company, First Litchfield Financial Corporation (the
"Holding Company"), wish to continue to employ ____________ ("Employee") as
_______________ of the Bank. The Bank and the Holding Company expect that
Employee's contributions and knowledge will continue to be of significant
benefit to the future growth and success of the Bank;

         WHEREAS, the Boards of Directors of the Bank and the Holding Company
recognize that a change in control of the Bank and/or the Holding Company may
occur and that the threat of such change in control may create uncertainty and
may result in the distraction or departure of long term personnel to the
detriment of the Bank and Holding Company and their stockholders;

         WHEREAS, the Boards have determined that appropriate steps should be
taken to reinforce and encourage the continued dedication of employees of the
Bank including Employee, to their assigned duties in the face of potential
circumstances involving the possibility of such a change in control;

         NOW THEREFORE, in addition to one dollar ($1.00) and other good and
valuable consideration paid by the Bank to Employee and in order to induce
Employee to continue employment with the Bank and to continue to perform
Employee's duties in a manner which is in the best interests of the Bank, the
Bank and Holding Company hereby agree to provide Employee with certain benefits
in the event his/her employment with the Bank terminates or is reassigned
subsequent to a Change in Control (as defined in Section 2 hereof) under the
circumstances described below.

         1. Term of Agreement; Employment Status. This Agreement shall take
effect when signed by all parties and shall remain in full force and effect
until June 1, 2003. All employees of Bank and Holding Company, including
Employee, are employees at will. The terms of this Agreement, therefore, do not
and are not intended to create either an express and/or implied contract of
employment with the Bank and/or the Holding Company. This Agreement simply
provides certain potential benefits to Employee in the event that a Change in
Control occurs prior to June 1, 2003 as hereinafter defined.

         2. Change in Control. No benefits shall be payable hereunder unless
prior to June 1, 2003 there shall have been a Change in Control as set forth
below, and thereafter within six (6) months of such Change in Control Employee's
employment with the Bank and/or its successor terminates or Employee is
reassigned in accordance with Section 3, below. For purposes of this Agreement,
a "Change in Control" shall mean any of the following:

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                  (a) The acquisition of fifty percent (50%) or more of any
         class of equity securities of the Holding Company by any person (or
         persons working in concert) or entity after the date hereof;

                  (b) The acquisition of fifty percent (50%) or more of any
         class of equity securities of the Bank by any person or entity other
         than Holding Company;

                  (c) A merger, consolidation or reorganization to which the
         Bank or the Holding Company is a party, if, as a result thereof,
         individuals who were directors of the Bank or Holding Company,
         immediately before such transaction shall cease to constitute a
         majority of the Board of Directors of the surviving entity;

                  (d) A sale of all or substantially all of the assets of the
         Bank or the Holding Company to another party;

                  (e) The assumption of all or substantially all of the deposits
         of the Bank by another party other than the Federal Deposit Insurance
         Corporation; or

                  (f) During any twenty-four (24) month period, individuals who
         at the beginning of such period constitute the Board of Directors of
         the Bank and the Holding Company, cease for any reason (other than
         death or disability) to constitute at least a majority thereof unless
         the election or the nomination for election by the stockholders of the
         Bank and the stockholders of the Holding Company, respectively, of each
         new director was approved by a vote of at least a majority of the
         directors of the Bank or of the Holding Company as applicable, then
         still in office who were directors of the Bank or the Holding Company,
         as applicable, at the beginning of the period.

         3. Termination Following Change in Control. If any of the events
described in Section 2 hereof constituting a Change in Control shall have
occurred, Employee shall be entitled to the benefits provided for in Section
4(a) hereof upon the termination or material reassignment of his/her employment
duties or responsibilities as an employee of the Bank and/or its successor as
provided in this Section 3, within six (6) months after such event, unless such
employment is terminated or reassigned: (i) by any regulatory authority (acting
with proper jurisdiction); or (ii) by the Board of Directors for cause; or (iii)
because of Employee's death, retirement or disability. Such benefits shall be
reduced by the amount of any severance paid to Employee by the Bank or its
successor.

                  (a) Retirement; Disability.
                      ----------------------

                  (i) Termination of employment by the Bank based on retirement
         shall mean the mandatory termination of employment in accordance with
         the retirement policy of the Bank, including (at Employee's sole
         election and as set forth in writing) early retirement, generally
         applicable to its salaried employees or in accordance with any
         retirement arrangement established with Employee's consent with respect
         to Employee.

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                 (ii) Termination of employment by the Bank based on disability
         shall mean termination because of inability, as a result of incapacity
         due to physical or mental illness, to perform the services required as
         an employee for a period aggregating six (6) months or more within any
         twelve (12) month period, or because Employee becomes or is deemed
         disabled under any applicable policy providing disability insurance.

         (b) Notice of Termination. The Bank agrees that in the event of
termination it will promptly furnish Employee with a written Notice of
Termination. Any purported termination of Employee shall be communicated by
written Notice of Termination to the Bank. For purposes of this Agreement, a
"Notice of Termination" shall mean a notice which shall include the specific
termination provision in this Agreement relied upon and shall set forth in
reasonable detail the facts and circumstances claimed to provide a basis for
termination of Employee's employment under the provision so indicated.

         (c) Date of Termination. "Date of Termination" shall mean the date on
which a Notice of Termination is given; provided that, if within five (5) days
after any Notice of Termination is given, the party receiving such Notice of
Termination notifies the other party that a dispute exists concerning the
termination, the Date of Termination shall be the date on which the dispute is
finally determined, either by mutual written agreement of the parties, by a
binding and final arbitration award or by a final judgment, order or decree of a
court of competent jurisdiction (the time for appeal therefrom having expired
and no appeal having been perfected).

         (d) Reassignment. Reassignment shall mean a reduction in base salary or
an involuntary reassignment of Employee's duties, responsibilities, or benefits
materially inconsistent with those of Employee prior to the Change in Control or
the involuntary relocation of Employee's primary duties and responsibilities to
an office or location greater than fifty (50) miles from Litchfield, Connecticut
or action which results in a significant worsening of the Employee's work
conditions (including, but not limited to, a significant change in employment
duties, responsibilities, required work hours or otherwise).

         4. Compensation Upon Termination or Reassignment.
            ---------------------------------------------

         (a) If, within six (6) months after a Change in Control, as defined in
Section 2 hereof, shall have occurred, Employee's employment with the Bank
terminates or is reassigned as defined in Section 3 (except by an agency acting
with proper jurisdiction, or by a board of directors for cause or as a result of
death, retirement or disability), then the Bank and/or its successor shall pay
Employee within five (5) days after the Date of Termination an amount equal to
the sum of:

                  (i) Six (6) months of Employee's annual compensation based
         upon the most recent aggregate base salary paid to Employee in the six
         (6) month period immediately preceding his/her termination or
         reassignment less amounts previously paid to Employee from the date of
         Change in Control; plus

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                  (ii) Reasonable legal fees and expenses incurred by Employee
         as a result of such termination or reassignment (including all such
         fees and expenses, if any, incurred in contesting or disputing any such
         termination or reassignment or in seeking to obtain or enforce any
         right or benefit provided for by this Agreement).

         (b) Employee shall not be required to mitigate the amount of any
payment provided for in this Section 4 by seeking other employment or otherwise,
nor shall the amount of any payment provided for in this Section 4 be reduced by
any compensation earned by Employee as the result of employment by another
employer after the Date of Termination or Reassignment, or otherwise.

         (c) It is the intention of the parties to this Agreement that no
payments by the Bank to or for Employee's benefit under this Agreement shall be
non-deductible to the Bank by reason of the operation of Section 280G of the
Internal Revenue Code. Accordingly, notwithstanding any other provision hereof,
if by reason of the operation of said Section 280G of the Internal Revenue Code,
any such payments exceed the amount which can be deducted by the Bank, the
amount of such payments shall be reduced to the maximum which can be deducted by
the Bank. To the extent that payments in excess of the amount which can be
deducted by the Bank have been made to and for Employee's benefit, they shall be
refunded with interest at the applicable rate provided under Section 1274(d) of
the Internal Revenue Code, or at such other rate as may be required in order
that no such payment to or for Employee's benefit shall be non-deductible
pursuant to Section 280G of the Internal Revenue Code. Any payments made
hereunder which are not deductible by the Bank as a result of losses which have
been carried forward by the Bank for Federal tax purposes shall not be deemed a
non-deductible amount for purposes of this Section 4(c).

         5. Continuation of Insurance Benefits.
            ----------------------------------

         Notwithstanding any other provision in this Agreement to the contrary,
the Bank and/or its successor shall maintain in full force and effect for
Employee's continued benefit, for the six (6) month period beginning upon a
Change in Control, all life insurance, medical, health and accident and
disability policies, plans, programs or arrangements which were in effect
immediately prior to the Change in Control.

         Successors; Binding Agreement.
         -----------------------------

         (a) The Bank and the Holding Company will require any successor
(whether direct or indirect, by purchase, merger, consolidation, acquisition of
assets or assumption of liabilities or otherwise) to all or substantially all of
the business and/or assets and/or deposits of the Bank, by agreement, to
expressly assume and agree to perform this Agreement in the same manner and to
the same extent that the Bank would be required to perform it if no such
succession had taken place. Failure of the Bank and/or Holding Company to obtain
such agreement prior to the effectiveness of any such succession shall be a
breach of this Agreement and shall entitle Employee to compensation from the
Bank in the same amount and on the same terms as he would be entitled to
hereunder if his/her employment had terminated as a result of a Termination or
Reassignment, as provided in Section 3 hereof, after a Change in Control, except
that for purposes of implementing the foregoing, the date on which any such
succession becomes effective shall be deemed the Date of Termination. As used in
this Agreement, "Bank" shall mean the Bank as hereinbefore defined and any
successor to the business, assets and/or deposits as aforesaid which executes
and delivers the agreement provided for in this Section 6 or which otherwise
becomes bound by all the terms and provisions of this Agreement by operation of
law.

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<PAGE>

         (b) This Agreement shall inure to the benefit of and be enforceable by
Employee's personal or legal representatives, executors, administrators,
successors, heirs, distributees, devisees and legatees. If Employee should die
after any rights to receive the amounts contemplated hereby have accrued to
Employee but before such amounts have been paid, all such amounts, unless
otherwise provided herein, shall be paid in accordance with the terms of this
Agreement to his/her devisee, legatee or other designee or, if there be no such
designee, to his/her estate.

         7. Notices. All notices and other communications provided for in this
Agreement shall be in writing and shall be deemed to have been duly given when
delivered or mailed by United States registered mail, return receipt requested,
postage prepaid, addressed to the respective addresses set forth on the first
page of this Agreement, provided that all notices to the Bank and the Holding
Company shall be directed to the attention of the Board with a copy to the
Chairman of the Board of the Bank and the Chairman of the Board of the Holding
Company or to such other address as either party may have furnished to the other
in writing in accordance herewith, except that notice of change of address shall
be effective only upon receipt.

         8. Miscellaneous. No provision of this Agreement may be modified,
waived or discharged unless such waiver, modification or discharge is agreed to
in writing and signed by Employee and such other officer as may be specifically
designated by the Board. No waiver by either party hereto at any time of any
breach by the other or failure to comply with any condition or provision of this
Agreement to be performed by such other party shall be deemed a waiver of
similar or dissimilar provisions or conditions at the same or at any prior or
subsequent time. No agreements or representations, oral or otherwise, express or
implied, with respect to the subject matter hereof have been made by either
party which are not expressly set forth in this Agreement. The validity,
interpretation, construction and performance of this Agreement shall be governed
by the laws of the State of Connecticut and of the United States of America.

         9. Validity. The invalidity or unenforceability of any provision of
this Agreement shall not affect the validity or enforceability of any other
provision of this Agreement, which shall remain in full force and effect.

         10. Counterparts. This Agreement may be executed in several
counterparts, each of which shall be deemed to be an original but all of which
together will constitute one and the same instrument.

         11. Arbitration. Any dispute or controversy arising under or in
connection with this Agreement shall be settled exclusively by arbitration in
Litchfield, Connecticut, in accordance with the rules of the American
Arbitration Association then in effect. Notwithstanding the pendency of any such
dispute or controversy, the Bank will pay Employee promptly an amount equal to
his/her full scheduled compensation in effect when the notice giving rise to the
dispute was given (including, but not limited to, base salary) and provide
Employee with all scheduled compensation, benefits and insurance plans in which
he was participating when the notice giving rise to the dispute was given, until
the dispute is finally resolved in accordance with Section 3 hereof. Amounts
paid under this Section 11 are in addition to all other amounts due under this
Agreement and shall not be offset against or reduce any other amounts due under
this Agreement. Judgment may be entered on the arbitrator's award in any court
having jurisdiction; provided, however, that Employee shall be entitled to seek
specific performance of his/her right to be paid until the Date of Termination
during the pendency of any dispute or controversy arising under or in connection
with this Agreement.

         Agreed to this ___ day of June, 2002 by and among Employee, The First
National Bank of Litchfield, and First Litchfield Financial Corporation.

                                       THE FIRST NATIONAL BANK OF LITCHFIELD

                                       By:__________________________________

                                       Its:       President
                                                  Duly Authorized

                                       EMPLOYEE

                                       Signature:_____________________________
                                                       Printed Name:

                                       FIRST LITCHFIELD FINANCIAL CORPORATION

                                       By:__________________________________

                                       Its:     President
                                                Duly Authorized

                                       6

<PAGE>

STATE OF CONNECTICUT    )
                        :   ss.:  Litchfield
COUNTY OF LITCHFIELD    )

        On this the ___ day of June, 2002, before me, the undersigned,
personally appeared _____________________________, who acknowledged himself to
be the _________________ of THE FIRST NATIONAL BANK OF LITCHFIELD, and that he
as such _______________, being authorized so to do, executed the foregoing
instrument for the purposes therein contained by signing his name.

         In Witness Whereof, I hereunto set my hand.

                           -----------------------------------------------------
                           Commissioner of the Superior Court/Notary Public
                           My Commission Expires:

STATE OF CONNECTICUT    )
                        :   ss.:  Litchfield
COUNTY OF LITCHFIELD    )

         On this the ___ day of June, 2002, before me, the undersigned,
personally appeared _______________________, who acknowledged himself to be the
_____________________ of FIRST LITCHFIELD FINANCIAL CORPORATION, and that he as
such _______________, being authorized so to do, executed the foregoing
instrument for the purposes therein contained by signing his name.

         In Witness Whereof, I hereunto set my hand.

                           -----------------------------------------------------
                           Commissioner of the Superior Court/Notary Public
                           My Commission Expires:

                                       7

<PAGE>

STATE OF CONNECTICUT    )
                        :   ss.:  Litchfield
COUNTY OF LITCHFIELD    )

         On this the ___ day of June, 2002, before me, the undersigned officer,
personally appeared _______________________, known to me or satisfactorily
proven to be the person signing the foregoing document and acknowledged that
he/she executed the same for the purposes therein combined as his/her free act
and deed.

         In Witness Whereof, I hereunto set my hand.

                             ---------------------------------------------------
                             Commissioner of the Superior Court/Notary Public
                             My Commission Expires:

                                       8

0<PAGE>

                                                                  EXHIBIT 10.1.4

                                                                  EXECUTION COPY

                                LETTER AMENDMENT

                                             Dated as of April 11, 2002

To   the banks, financial institutions
     and other institutional lenders
     (collectively, the "Lenders") parties
     to the Credit Agreement referred to
     below and to Morgan Stanley Senior
     Funding, Inc., as administrative agent
     (the "Agent") for the Lenders

Ladies and Gentlemen:

          We refer to the Credit Agreement dated as of July 26, 2000 and
amendments thereto dated as of July 23, 2001, November 14, 2001 and March 6,
2002 (such Credit Agreement, as so amended, the "Credit Agreement") among the
undersigned (the "Company") and you. Capitalized terms not otherwise defined in
this Letter Amendment have the same meanings as specified in the Credit
Agreement.

          In connection with a newly-adopted early retirement incentive program,
the Company will incur certain curtailment and settlement charges in the amount
of approximately $2.1 million associated with retirement and post-retirement
medical and life insurance benefits. We hereby request that you agree to amend
the definition of "EBITDA" contained in the Credit Agreement to allow us to add
these charges back to Consolidated Net Income for purposes of calculating
EBITDA.

          You have indicated your willingness, on the terms and conditions
stated below, to so agree. Accordingly, it is hereby agreed by you and us as
follows:

          The Credit Agreement is, effective as of the date of this Letter
Amendment, hereby amended as follows:

          (a) The definition of "EBITDA" contained in Section 1.01 of the Credit
Agreement is amended and restated in its entirety to read as follows:

          "EBITDA" means, for any period, Consolidated Adjusted Net Income plus,
to the extent deducted in computing such Consolidated Adjusted Net Income, the
sum of (a) income or franchise tax expense for such period, (b) Consolidated
Interest Expense, (c) depreciation and amortization expense, (d) any non-cash
charges or non-cash losses and (e) for any period ending during the Fiscal Year
ending December 31, 2002, an aggregate amount of up to $2.1 million of
curtailment and settlement charges incurred in connection with the ERP and the
RIF, minus, to the extent added in computing such Consolidated Net Income, (i)
any non-cash gains or other non-cash items and (ii) any income tax credits, all
as determined on a Consolidated basis with respect to the Financial Covenants
Parties in accordance with GAAP; provided that, if any Subsidiary of a Financial
Covenants Party (other than another Financial Covenants Party) is not a wholly
owned Subsidiary of such Financial Covenants Party, EBITDA shall be reduced (to
the extent not otherwise reduced in accordance with GAAP) by an amount equal to
(A) the amount of Consolidated Adjusted Net Income attributable to such
Subsidiary multiplied by (B) the percentage ownership interest in the income of
such Subsidiary not owned on the last day of such period by such Financial
Covenants Party."

          (b) The following new definitions are added to Section 1.01 in the
appropriate alphabetical position:

          ""ERP" means that certain early retirement incentive program adopted
by the board of directors of the Company on March 26, 2002 in respect of
approximately 35 eligible employees."

<PAGE>

          ""RIF" means that certain reduction in force plan adopted by the board
of directors of the Company on March 26, 2002."

          This Letter Amendment shall become effective as of the date first
above written when, and only when, on or before April 11, 2002, the Agent shall
have received counterparts of this Letter Amendment executed by the undersigned
and the Required Lenders or, as to any of the Lenders, advice satisfactory to
the Agent that such Lender has executed this Letter Amendment, and the consent
attached hereto executed by each Grantor. The effectiveness of this Letter
Amendment is conditioned upon the accuracy of the factual matters described
herein. This Letter Amendment is subject to the provisions of Section 8.01 of
the Credit Agreement.

          On and after the effectiveness of this Letter Amendment, each
reference in the Credit Agreement to "this Agreement", "hereunder", "hereof" or
words of like import referring to the Credit Agreement, and each reference in
the Notes and each of the other Loan Documents to "the Credit Agreement",
"thereunder", "thereof" or words of like import referring to the Credit
Agreement, shall mean and be a reference to the Credit Agreement, as amended by
this Letter Amendment.

          The Credit Agreement, the Notes and each of the other Loan Documents,
as specifically amended by this Letter Amendment, are and shall continue to be
in full force and effect and are hereby in all respects ratified and confirmed.
Without limiting the generality of the foregoing, the Collateral Documents and
all of the Collateral described therein do and shall continue to secure the
payment of all Obligations of the Loan Parties under the Loan Documents, in each
case as amended by this Letter Amendment. The execution, delivery and
effectiveness of this Letter Amendment shall not, except as expressly provided
herein, operate as a waiver of any right, power or remedy of any Lender or the
Agent under any of the Loan Documents, nor constitute a waiver of any provision
of any of the Loan Documents.

          If you agree to the terms and provisions hereof, please evidence such
agreement by executing and returning at least two counterparts of this Letter
Amendment to Shearman & Sterling, 599 Lexington Avenue, New York, New York
10022, Attention: Monica Holland, Telecopier No. (212) 848-7179.

          This Letter Amendment may be executed in any number of counterparts
and by different parties hereto in separate counterparts, each of which when so
executed shall be deemed to be an original and all of which taken together shall
constitute one and the same agreement. Delivery of an executed counterpart of a
signature page to this Letter Amendment by telecopier shall be effective as
delivery of a manually executed counterpart of this Letter Amendment.

          This Letter Amendment shall be governed by, and construed in
accordance with, the laws of the State of New York.

                                          Very truly yours,

                                          NTELOS INC. (f/k/a/ CFW COMMUNICATIONS
                                          COMPANY)

                                          By:
                                              ----------------------------------
                                              Title:
                                                     ---------------------------

Agreed as of the date first above written:

MORGAN STANLEY SENIOR FUNDING, INC.,
   as Administrative Agent and as Lender

By:
    --------------------------------------
    Title:
           -------------------------------

[Signature of other required banks]

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