Document:

AGREEMENT

         AGREEMENT,  dated this 21st day of December, 1998, among First Defiance
Financial Corp. ("First Defiance") an Ohio-chartered corporation and savings and
loan  holding  company,  First  Federal  Savings and Loan ("First  Federal"),  a
federally  chartered savings bank, both of which are located in Defiance,  Ohio,
and William J. Small (the  "Executive").  First  Defiance and First  Federal are
referred to jointly herein as the "Companies."

                              W I T N E S S E T H:

         WHEREAS, the Executive is presently Sr. Vice President of the Companies
and President and Chief Operating Officer of First Federal;

         WHEREAS,  the  Companies  desire to continue to retain the  Executive's
services and to appoint the  executive to be the Chairman of the Board and Chief
Executive  Officer of each of the Companies and the President of First Defiance;
and

         WHEREAS, the Companies desire to retain the Executive's services as the
Chairman  of the Board  and Chief  Executive  of each of the  Companies  and the
President of First Defiance;

         WHEREAS,  in order to induce the  Executive  to remain in the employ of
the Companies and in consideration of the Executive's  agreeing to remain in the
employ  of the  Companies,  the  parties  desire  to  specify  the terms of such
employment;

         NOW  THEREFORE,  in  consideration  of  the  premises  and  the  mutual
agreements herein contained, the parties hereby agree as follows:

         1.  Definitions.  The following words and terms shall have the meanings
set forth below for the purposes of this Agreement:

         (a) Annual  Compensation.  The Executive's  "Annual  Compensation"  for
purposes  of  this  Agreement  shall  be  deemed  to  mean  the  average  annual
Compensation  paid to the Executive by the Companies during the five most recent
taxable years ending prior to the date of termination.

         (b) Base  Salary.  "Base  Salary"  shall have the  meaning set forth in
Section 3(a) hereof.

         (c) Bonus.  "Bonus"  shall have the meaning  set forth in Section  3(a)
hereof.

         (d)  Cause.  "Cause"  shall  mean  personal  dishonesty,  incompetence,
willful  misconduct,   breach  of  fiduciary  duty  involving  personal  profit,
intentional failure to perform stated duties, willful violation of any law, rule
or  regulation  (other than  traffic  violations  or similar  offenses) or final
cease-and-desist  order or material  breach of any provision of this  Agreement.
For purposes of this paragraph, no act or failure to act on the Executive's part

                                        1
<PAGE>

shall be  considered  "willful"  unless  done,  or  omitted  to be done,  by the
Executive not in good faith and without  reasonable  belief that the Executive's
action or omission was in the best interest of the Companies.

         (e) Change in Control  of First  Defiance.  "Change in Control of First
Defiance shall mean a change in control of a nature that would be required to be
reported in response to Item 6(e) of Schedule 14A of Regulation 14A  promulgated
under the Securities  Exchange Act of 1934, as amended  ("Exchange  Act") or any
successor  thereto,  whether or not First Defiance is registered  under Exchange
Act; provided that, without limitation, such a change in control shall be deemed
to have occurred if (i) any "person" (as such term is used in Sections 13(d) and
14(d) of the Exchange Act) is or becomes the  "beneficial  owner"(as  defined in
Rule 13d-3 under the Exchange  Act),  directly or  indirectly,  of securities of
First Defiance representing 25% or more of the combined voting power of the then
outstanding  securities  of First  Defiance;  or (ii)  during  any period of two
consecutive  years,  individuals who at the beginning of such period  constitute
the Board of Directors of First  Defiance  cease for any reason to constitute at
least a majority thereof unless the election,  or the nomination for election by
stockholders, of each new director was approved by a vote of at least two-thirds
of the directors then still in office who were directors at the beginning of the
period.

         (f) Code.  "Code"  shall mean the  Internal  Revenue  Code of 1986,  as
amended.

         (g)  Compensation.  "Compensation"  shall have the meaning set forth in
Section 3(a) hereof.

         (h) Date of Termination.  "Date of  Termination"  shall mean (i) if the
Executive's  employment is terminated by the Companies for any reason,  the date
on which a Notice of Termination is given or such later date as may be specified
by the  Companies  in such  Notice,  or (ii) if the  Executive's  employment  is
terminated by the Executive,  the date of  termination  shall be a date not less
than 30 days  from  the date the  Notice  of  Termination  is  delivered  by the
Executive to the  Companies,  unless the  Companies,  in their sole  discretion,
designate an earlier date.

         (i)  Disability.   "Disability"  shall  mean  any  physical  or  mental
impairment  which  qualifies  the Executive for  disability  benefits  under the
applicable  long-term  disability  plan  maintained  by  the  Companies  or  any
subsidiary  or, if no such plan  applies,  which would qualify the Executive for
disability benefits under the Federal Social Security System.

         (j) Good Reason. "Good Reason" shall mean:

            (i)     without the Executive's express written consent:

                    (a) the  assignment by the Companies to the Executive of any
                        duties   which,   in   the   Executive's    good   faith
                        determination,  are  materially  inconsistent  with  the
                        Executive's  positions,  duties,   responsibilities  and
                        status with the Companies

                                        2
<PAGE>

                        immediately prior to such assignment, or in the event of
                        a Change in Control,  immediately prior to such a Change
                        in Control of First Defiance;

                    (b) in the Executive's good faith determination,  a material
                        change in the  Executive's  reporting  responsibilities,
                        titles  or  offices  as an  employee  and  as in  effect
                        immediately  prior to such  change or, in the event of a
                        Change in Control, immediately prior to such a Change in
                        Control of First Defiance; or

                    (c) any  removal  of the  Executive  from or any  failure to
                        re-elect the Executive to the offices of Chairman of the
                        Board  and  Chief  Executive  Officer  of  each  of  the
                        Companies  and  President of First  Defiance,  except in
                        connection with cause,  Disability,  Retirement,  or the
                        Executives death;

            (ii)    Without the Executive's express written consent, a reduction
                    by the Companies in the Executive's  Base Salary as the same
                    may be increased from time to time or fringe benefits;

            (iii)   The principal executive office of the Companies is relocated
                    outside  of  the  Defiance,   Ohio  area  or,   without  the
                    Executive's  express written consent,  the Companies require
                    the  Executive  to be based  anywhere  other than an area in
                    which the Companies'  principal executive office is located,
                    except for required  travel on business of the  Companies to
                    an  extent  substantially  consistent  with the  Executive's
                    present business travel obligations;

            (iv)    Without  the  Executive's   express  written  consent,   the
                    Companies fail to provide the Executive with the same fringe
                    benefits  that were  provided to the  Executive  immediately
                    prior to a Change in  Control of First  Defiance,  or with a
                    package of fringe benefits  (including paid vacations) that,
                    though one or more of such  benefits  may vary from those in
                    effect  immediately  prior to such  Change  in  Control,  is
                    substantially  comparable  in all material  respects to such
                    fringe benefits taken as a whole;

            (v)     Any purported termination of the Executive's  employment for
                    Cause,  Disability  or  Retirement  which  is  not  effected
                    pursuant  to  a  Notice  of   Termination   satisfying   the
                    requirements of paragraph (1) below; or

            (vi)    The failure by First  Defiance to obtain the  assumption  of
                    and agreement to perform this  Agreement by any successor as
                    contemplated in Section 9 hereof.

         (k) IRS. IRS shall mean the Internal Revenue Service.

         (l) Notice of Termination.  "Notice of Termination"  shall mean a dated
notice which (i) indicates the specific termination  provision in this Agreement
relied upon,  (ii) sets forth in reasonable  detail the facts and  circumstances
claimed to provide a basis for termination

                                       3
<PAGE>

of Executive's  employment  under the provision so indicated,  (iii) specifies a
Date of  Termination,  and (iv) is given in the manner  specified  in Section 10
hereof.

         (m) Retirement.  "Retirement"  shall mean voluntary  termination by the
Employee in accordance with the Companies' retirement policies,  including early
retirement, generally applicable to their salaried employees.

         2. Term of Employment.

         (a) The Companies  hereby employ the Executive as Chairman of the Board
and Chief  Executive  Officer of each of the Companies and as President of First
Defiance and Executive  hereby accepts said employment and agrees to render such
services  to the  Companies  on the  terms  and  conditions  set  forth  in this
Agreement.  The term of employment  under this  Agreement  shall be a three-year
term,  commencing on January 1, 1999.  However,  at a meeting of the  Companies'
Board of  Directors no more than 30 days prior to the first  anniversary  of the
date of this Agreement and each anniversary thereafter,  the Boards of Directors
of  the  Companies  shall  consider  and  review  (with  appropriate   corporate
documentation  thereof,  and after  taking  into  account all  relevant  factors
including the Executive's  performance  hereunder and the merits of a three-year
agreement) a one-year  extension of the term under this Agreement,  and the term
shall continue to extend,  unless either the Board of Directors does not approve
such extension and provides written notice to the Executive of such event or the
Executive gives written notice to the Companies of the Executive's  election not
to extend the term, in each case,  with such written notice to be given not less
than thirty (30) days prior to any such anniversary  date.  References herein to
the term of this  Agreement  shall refer both to the initial term and successive
terms.

         (b) During the term of this Agreement, the Executive shall perform such
executive  services for the Companies as may be  consistent  with his titles and
from  time  to time  assigned  to him by the  Companies'  Boards  of  Directors;
provided,  however, that the Executive shall not be precluded from (i) vacations
and other leave time in  accordance  with  section 3(c) below,  (ii)  reasonable
participation in community,  civic, charitable, or similar organizations,  (iii)
reasonable  participation  in  industry-related  activities,  or  (iv)  pursuing
personal  investments which do not interfere or conflict with the performance of
Executive's duties to the Companies.

         3. Compensation and Benefits.

         (a) The Companies  shall  compensate and pay Executive for his services
during the term of this  Agreement at a minimum  base annual  salary of $180,000
("Base Salary"), which may be increased from time to time in such amounts as may
be  determined  by the  Companies'  Boards of Directors and may not be decreased
without the Executive's express written consent. In addition to his Base Salary,
the Executive  shall be entitled to receive  during the term of this Agreement a
bonus of up to 40% of the  Executive's  Base  Salary  based on targets set forth
from time to time in the Companies'  Incentive bonus program (the "Bonus").  The
Executive's Base Salary and Bonus are referred to herein as his "Compensation."

                                       4
<PAGE>

         (b) During the term of the  Agreement,  Executive  shall be entitled to
participate  in and  receive the  benefits  of any  pension or other  retirement
benefit plan, deferred compensation,  profit sharing,  stock option,  management
recognition,  employee stock ownership,  or other plans, benefits and privileges
given to employees and executives of the Companies,  to the extent  commensurate
with his then duties and responsibilities, as fixed by the Board of Directors of
the  Companies  including  but not limited to the  following:  (i) the Companies
shall pay  membership  dues for the Executive for  membership in the Rotary Club
and the Kettenring Country Club; and (ii) the Companies shall provide the use of
an automobile  (the terms and conditions for the  Executive's use and possession
of the automobile and the quality of the automobile provided for the Executive's
use shall be consistent  with, or not less favorable than, the past practices of
the Companies). The Companies shall not make any changes in such plans, benefits
or  privileges  which  would  adversely  affect  Executive's  rights or benefits
thereunder,  unless such change occurs  pursuant to a program  applicable to all
executive  officers of the  Companies  and does not result in a  proportionately
greater  adverse  change in the rights of or benefits to  Executive  as compared
with any other  executive  officer of the  Companies.  Nothing paid to Executive
under any plan or  arrangement  presently  in effect  or made  available  in the
future shall be deemed to be in lieu of the salary payable to Executive pursuant
to Section 3(a) hereof.

         (c) During the term of this  Agreement,  Executive shall be entitled to
paid annual vacation in accordance with the policies as established from time to
time by the Boards of  Directors  of the  Companies,  which shall in no event be
less than four weeks per annum.  Executive  shall not be entitled to receive any
additional  compensation from the Companies for failure to take a vacation,  nor
shall Executive be able to accumulate  unused vacation time from one year to the
next,  except  to the  extent  authorized  by the  Boards  of  Directors  of the
Companies.

         4.  Expenses.  The  Companies  shall  reimburse  Executive or otherwise
provide  for or pay  for  all  reasonable  expenses  incurred  by  Executive  in
furtherance or in connection with the business of the Companies,  including, but
not by way of limitation,  traveling  expenses and all reasonable  entertainment
expenses  (whether  incurred at the  Executive's  residence,  while traveling or
otherwise),  subject to such reasonable  documentation  and other limitations as
may be established by the Boards of Directors of the Companies. If such expenses
are paid in the first instance by Executive,  the Companies  shall reimburse the
Executive therefor.

         5. Termination.

         (a) The Companies  shall have the right,  at any time upon prior Notice
of  Termination,  to terminate  the  Executive's  employment  hereunder  for any
reason,  including  without  limitation  termination  for Cause,  Disability  or
Retirement.

         (b) Executive  shall have the right,  upon prior Notice of Termination,
to terminate his employment hereunder for any reason.

         (c) In the event that (i)  Executive's  employment is terminated by the
Companies for Cause, Disability or Retirement or in the event of the Executive's
death, or (ii) Executive terminates his employment hereunder other than for Good

                                       5
<PAGE>

Reason, Executive shall have no right pursuant to this Agreement to compensation
or other benefits for any period after the applicable Date of Termination.

         (d) In the event  that  Executive's  employment  is  terminated  by the
Companies for other than Cause, Disability,  Retirement or the Executive's death
or such  employment  is  terminated  by the  Executive (i) due to failure by the
Companies to comply with any material provision of this Agreement, which failure
has not been cured within twenty-five (25) days after a notice of non-compliance
has been given by Executive to the Companies,  or (ii) for Good Reason, then the
Companies shall, subject to the provisions of Section 6 hereof, if applicable

            (1)     pay to the Executive,  at the option of the Executive,  in a
                    lump  sum  payment  or  in  thirty-six  (36)  equal  monthly
                    installments  beginning  with the first  business day of the
                    month following the Date of Termination,  an amount equal to
                    2.99 times the Annual Compensation.

            (2)     maintain  and provide for a period  ending at the earlier of
                    (i) the  expiration  of the  remaining  term  of  employment
                    pursuant  hereto prior to the Notice of  Termination or (ii)
                    the date of the Executive's  full-time employment by another
                    employer  (provided that the Executive is entitled under the
                    terms of such employment to benefits  substantially  similar
                    to those described in this subparagraph  (2)), at no cost to
                    the Executive,  the Executive's  continued  participation in
                    all group  insurance,  life insurance,  health and accident,
                    disability  and other employee  benefit plans,  programs and
                    arrangements   in  which  the   Executive  was  entitled  to
                    participate  immediately  prior to the  Date of  Termination
                    (other than retirement plans or stock  compensation plans of
                    the  Companies),   provided  that  in  the  event  that  the
                    Executive's   participation   in  any   plan,   program   or
                    arrangement as provided in this  subparagraph (2) is barred,
                    or during such period any such plan,  program or arrangement
                    is  discontinued  or the benefits  thereunder are materially
                    reduced,   the  Companies   shall  arrange  to  provide  the
                    Executive with benefits substantially similar to those which
                    the  Executive  was  entitled  to receive  under such plans,
                    programs and arrangements  immediately  prior to the Date of
                    Termination.

         6. Limitation of Benefits under Certain Circumstances.  If the payments
and benefits  pursuant to Section 5 hereof,  either alone or together with other
payments  and  benefits  which  Executive  has the  right  to  receive  from the
Companies,  would  constitute a "parachute  payment"  under  Section 280G of the
Code,  the payments and benefits  pursuant to Section 5 hereof shall be reduced,
in the manner  determined by the Executive,  by the amount, if any, which is the
minimum  necessary to result in no portion of the  payments  and benefits  under
Section 5 being  non-deductible  to either of the Companies  pursuant to Section
280G of the Code and subject to the excise tax imposed under Section 4999 of the
Code. The determination of any reduction in the payments and benefits to be made

                                       6
<PAGE>

pursuant to Section 5 shall be based upon the opinion of independent tax counsel
selected  by the  Companies'  independent  public  accountants  and  paid by the
Companies.  Such counsel  shall be  reasonably  acceptable  to the Companies and
Executive;  shall promptly prepare the foregoing opinion,  but in no event later
than thirty (30) days from the Date of  Termination;  and may use such actuaries
as such counsel deems necessary or advisable for the purpose.  In the event that
the  Companies  and/or  the  Executive  do not agree  with the  opinion  of such
counsel,  (i) the Companies  shall pay to the  Executive  the maximum  amount of
payments and benefits pursuant to Section 5, as selected by the Executive, which
such opinion  indicates that there is a high probability do not result in any of
such payments and benefits being  non-deductible to the Companies and subject to
the imposition of the excise tax imposed under Section 4999 of the Code and (ii)
the Companies may request, and Executive shall have the right to demand that the
Companies request, a ruling from the IRS as to whether the disputed payments and
benefits pursuant to Section 5 hereof have such  consequences.  Any such request
for a ruling from the IRS shall be promptly prepared and filed by the Companies,
but in no event  later  than  thirty  (30) days from the date of the  opinion of
counsel  referred  to above,  and shall be subject to the  Executive's  approval
prior to filing,  which shall not be  unreasonably  withheld.  The Companies and
Executive  agree  to be bound by any  ruling  received  from the IRS and to make
appropriate  payments to each other to reflect any such  rulings,  together with
interest at the  applicable  federal rate provided for in Section  7872(f)(2) of
the Code.  Nothing  contained herein shall result in a reduction of any payments
or  benefits  to  which  the  Executive  may be  entitled  upon  termination  of
employment under any circumstances other than as specified in this Section 6, or
a reduction in the payments and benefits specified in Section 5 below zero.

         7. Mitigation; Exclusivity of Benefits.

         (a) The  Executive  shall not be required to mitigate the amount of any
benefits  hereunder by seeking  other  employment  or  otherwise,  nor shall the
amount  of any such  benefits  be  reduced  by any  compensation  earned  by the
Executive  as a result  of  employment  by  another  employer  after the Date of
Termination or otherwise.

         (b) The  specific  arrangements  referred to herein are not intended to
exclude  any other  benefits  which may be  available  to the  Executive  upon a
termination of employment with the Companies  pursuant to employee benefit plans
of the Companies or otherwise.

         8.  Withholding.  All  payments  required  to be made by the  Companies
hereunder to the Executive  shall be subject to the withholding of such amounts,
if any,  relating  to tax and other  payroll  deductions  as the  Companies  may
reasonably  determine  should be  withheld  pursuant  to any  applicable  law or
regulation.

         9.Assignability.  The  Companies  may assign this  Agreement  and their
rights hereunder in whole,  but not in part, to any  corporation,  bank or other
entity  with or into  which  either  of the  Companies  may  hereafter  merge or
consolidate   or  to  which  either  of  the   Companies  may  transfer  all  or
substantially  all  of  their  respective  assets,  if in  any  such  case  said
corporation,  bank or other  entity  shall by  operation  of law or expressly in
writing assume all obligations of the Companies  hereunder as fully as if it had
been originally made a party hereto, but may not otherwise assign this Agreement
or its rights hereunder. The Executive may not assign or transfer this Agreement
or any rights or obligations hereunder.

                                       7
<PAGE>

         10. Notice.  For the purposes of this Agreement,  notices and all 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  certified  or
registered mail,  return receipt  requested,  postage prepaid,  addressed to the
respective address set forth below:

         To First Defiance:           First Federal Savings and Loan
                                                    601 Clinton Street
                                                    Defiance, Ohio 43512

         To First Federal:            First Federal Savings and Loan
                                                    601 Clinton Street
                                                    Defiance, Ohio 43512

         To the Executive:            William J. Small
                                                    301 W. First Street
                                                    Defiance, Ohio 43512

         11. Amendment; Waiver. No provisions of this Agreement may be modified,
waived or discharged unless such waiver,  modification or discharge is agreed to
in  writing  signed by the  Executive  and such  officer or  officers  as may be
specifically  designated  by the Boards of Directors of the Companies to sign on
their  behalf.  No waiver by any party  hereto at any time of any  breach by any
other party hereto of, or  compliance  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.

         12.  Governing  Law. The  validity,  interpretation,  construction  and
performance of this Agreement shall be governed by the laws of the United States
where applicable and otherwise by the substantive laws of the State of Ohio.

         13. Nature of  Obligations.  Nothing  contained  herein shall create or
require the  Companies to create a trust of any kind to fund any benefits  which
may be payable hereunder,  and to the extent that the Executive acquires a right
to receive benefits from the Companies hereunder, such right shall be no greater
than the right of any unsecured general creditor of the Companies.

         14. Headings.  The section headings contained in this Agreement are for
reference  purposes  only  and  shall  not  affect  in any  way the  meaning  or
interpretation of this Agreement.

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

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

                                       8
<PAGE>

         17. Regulatory Actions. The following provisions shall be applicable to
the  parties  to the  extent  that  they  are  required  to be  included  in the
employment  agreements between a savings  association and its employees pursuant
to Section 563.39 (b) of the Regulations Applicable to All Savings Associations,
12 C.F.R.  563.39(b),  or any successor thereto, and shall be controlling in the
event of a  conflict  with any  other  provision  of this  Agreement,  including
without limitation Section 5 hereof.

         (a) If Executive is suspended from office and/or temporarily prohibited
         from participating in the conduct of the Companies' affairs pursuant to
notice served under Section  8(e)(3) or Section  8(g)(1) of the Federal  Deposit
Insurance Act ("FDIA")(12  U.S.C.  1818 (e)(3) and  1818(g)(1)),  the Companies'
obligations  under this Agreement  shall be suspended as of the date of service,
unless  stayed by  appropriate  proceedings.  If the  charges  in the notice are
dismissed, the Companies may, in their discretion: (i) pay Executive all or part
of the  compensation  withheld while its  obligations  under this Agreement were
suspended, and (ii) reinstate (in whole or in part) any of its obligations which
were suspended.

         (b) If Executive is removed from office and/or  permanently  prohibited
from  participating in the conduct of the Companies'  affairs by an order issued
under Section 8(e)(4) or Section  8(g)(1) of the FDIA (12 U.S.C.  1818(e)(4) and
(g)(1)),  all  obligations of the Companies under this Agreement shall terminate
as of the  effective  date of the order,  but vested rights of Executive and the
Companies as of the date of termination shall not be affected.

         (c) If the Companies are in default,  as defined in Section  3(x)(1) of
the FDIA (12 U.S.C.  1813(x)(1)),  all  obligations  under this Agreement  shall
terminate  as of the date of default,  but vested  rights of  Executive  and the
Companies as of the date of termination shall not be affected.

         (d) All obligations  under this Agreement shall be terminated  pursuant
to 12 C.F.R.  563.39(b)(5)  (except to the  extent  that it is  determined  that
continuation  of the Agreement  for the continued  operation of the Companies is
necessary):  (i) by the Director of the Office of Thrift Supervision ("OTS"), or
his/her designee, at the time the Federal Deposit Insurance Corporation ("FDIC")
or Resolution Trust Corporation  enters into an agreement to provide  assistance
to or on behalf of First Federal under the authority contained in Section 13 (c)
of the FDIA (12 U.S.C.  1823(c)); or (ii) by the Director of the OTS, or his/her
designee,  at the time the Director or his/her  designee  approves a supervisory
merger to resolve  problems  related to operation  of the  Companies or when the
Companies  are  determined  by the  Director  of the OTS to be in an  unsafe  or
unsound  condition,  but vested  rights of Executive and the Companies as of the
date of termination shall not be affected.

         18. Regulatory Prohibition. Notwithstanding any other provision of this
Agreement to the contrary,  any payment made to the  Executive  pursuant to this
Agreement,  or otherwise,  are subject to and conditioned  upon their compliance
with 12 U.S.C. Section 1828(K) and any regulations promulgated thereunder.

                                       9
<PAGE>

         IN WITNESS  WHEREOF,  this  Agreement  has been executed as of the date
first above written.

Attest:                                  FIRST DEFIANCE FINANCIAL CORP.

                                         By:
-----------------------------                ----------------------------------
John W. Boesling, Secretary                  Don C. Van Brackel, Chairman of
                                             the Board of Directors

Attest:                                   FIRST FEDERAL SAVINGS & LOAN

                                         By:
-----------------------------                ----------------------------------
John W. Boesling, Secretary                  Don C. Van Brackel, Chairman of
                                             the Board of Directors

Witness:

-----------------------------                ---------------------------------
                                             William J. Small

                                       10Exhibit 10.9

                              EMPLOYMENT AGREEMENT

         THIS AGREEMENT ("Agreement") is made and entered into as of the 1st day
of December,  2000,  by and between NCRIC Group,  Inc.  ("Group"),  NCRIC,  Inc.
("NCRIC") and Stephen S. Fargis ("Executive").

                                    Recitals:

         A. Group desires to retain  Executive as its Senior Vice  President and
Chief Operating  Officer,  and NCRIC desires to retain Executive as President of
NCRIC MSO, Inc. ("MSO"), on the terms and conditions hereinafter set forth; and

         B.  Executive  desires to continue  such  employment,  on the terms and
conditions hereinafter set forth.

         NOW,  THEREFORE,  in  consideration  of the  promises  and  the  mutual
covenants set forth herein, the parties hereto agree as follows:

         1.  Employment.  NCRIC and Group each hereby agree that Executive shall
continue  to be  employed  for a term of three (3)  years  from the date of this
Agreement as: Senior Vice President and Chief Operating Officer of Group, and as
President  of MSO,  under the  conditions  hereinafter  specified.  During  said
period,  Executive also agrees to serve, if elected,  as an officer and director
of any  subsidiary  or  affiliate  of Group.  Failure  to reelect  Executive  as
President and Chief  Operating  Officer of Group and as President of MSO without
the consent of the Executive  during the term of this Agreement shall constitute
a  Termination  Without  Cause.  Executive  accepts  this  employment  under the
conditions hereinafter specified and agrees to devote his best efforts, energies
and abilities to the service of NCRIC and Group on a full-time basis.

         2. Duties.

         (a) Executive shall serve as President and Chief  Operating  Officer of
Group  and  as  President  of MSO  and  in  such  other  commensurate  executive
capacities  with NCRIC and Group,  and/or any one or more affiliates of Group or
NCRIC (collectively,  the "Affiliated  Companies) as he may from time to time be
assigned by the Board of  Directors.  Executive  shall perform all of his duties
diligently and faithfully.  However,  it is understood and agreed that Executive
shall not  receive  compensation  beyond  that  specified  herein  for  services
provided to the Affiliated Companies.

         (b)  Executive  shall at all times  devote  his  entire  working  time,
attention,  energies,  efforts and skills to the  business of Group and MSO, and
shall  not,  directly  or  indirectly,  engage in any other  business  activity,
whether or not for  profit,  gain or other
<PAGE>

pecuniary   advantages,   without  the  express  written  permission  of  Group.
Notwithstanding the foregoing,  Executive may serve on the board of directors of
any non-competing company and receive compensation therefore provided he obtains
the advance written approval of Group, which shall not be unreasonably withheld,
and provided that any such service does not adversely  affect his performance of
his duties for NCRIC or Group (it being  understood  that  membership in social,
religious,  charitable or similar  organizations does not require Board approval
pursuant to this Section 2(b)).  Group acknowledges that Executive is serving on
the boards of directors of the  companies  listed on Exhibit 2B attached  hereto
and hereby grants its approval to such service.  Executive  will not be required
to  account  to NCRIC or Group  for any  compensation  he may  receive  for such
approved service on the board of directors of a non-competing  company, and such
compensation shall not diminish in any way the compensation or benefits to which
he is entitled under this Agreement.

         3.  Compensation.  NCRIC shall pay Executive basic  compensation of One
Hundred Seventy Thousand Dollars ($170,000) per year ("Base Salary").  Such Base
Salary shall be payable  biweekly (or in such other  frequency as employees  are
paid).  During the period of this  Agreement,  Executive's  Base Salary shall be
reviewed  at least  annually;  the first such  review will be made no later than
January 31, 2002.  The Board may increase,  but not decrease,  Executive's  Base
Salary (any  increase in Base Salary shall become the "Base Salary" for purposes
of this  Agreement).  Any incentive  compensation  that may be paid to Executive
from time to time shall have no impact upon the Base Salary.

         4. Benefits.

         a. Retirement  and/or Pension  Plan(s).  Executive shall be entitled to
participate  in any  retirement  and/or  pension  plan(s)  offered to NCRIC's or
Group's  senior  executives  and/or  key  management  employees  as a  group  in
accordance with the terms of such plan(s), as they may be modified at NCRIC's or
Group's discretion from time to time.

         b. Automobile  Allowance.  Executive shall be entitled to an automobile
of the  Executive's  reasonable  selection  to be used by Executive in rendering
services to the NCRIC and Group,  together with  reimbursement for all gas, oil,
maintenance,  insurance  and repairs  required by reason of the  business use of
such  vehicle.  Executive  also shall  comply  with all  reporting  requirements
established by NCRIC regarding the use of such automobile.

         c.  Health  and  Medical  Insurance.  Executive  shall be  entitled  to
participate  in any  health and  medical  insurance  plan(s)  offered to NCRIC's
senior executives and/or key management  employees as a group in accordance with
the terms of such plan(s),  as they may be modified in their  application to all
employees at NCRIC's discretion from time to time.

<PAGE>

         d. Paid Sick  Leave.  Executive  shall  accrue one (1) day of paid sick
leave per month,  up to a maximum  of sixty  (60) days (or such other  number of
days as provided in the standard  sick leave policy of NCRIC) of paid sick leave
at any given time. All accrued,  but unused,  paid sick leave shall be forfeited
upon termination of employment.

         e. Paid  Vacation.  Executive  shall accrue four weeks of paid vacation
during each calendar year;  however,  in no event shall  Executive use more than
three weeks at any one time. Accrued, but unused, paid vacation in excess of ten
days shall expire on December 31st of the year in which it accrues. Accrued, but
unused,  paid  vacation  may be  carried  over  from  one  year  to the  next in
accordance  with the  policy  in effect  for NCRIC  employees  in  general.  All
accrued,  but unused,  paid vacation is forfeited upon termination of employment
by either party; provided, however, that if Executive provides advance notice of
his intent to terminate his  employment in accordance  with  paragraph 7 of this
Agreement,  NCRIC  shall  pay him  for  all of his  accrued,  but  unused,  paid
vacation, less standard withholdings and deductions.

         f. Life Insurance.  NCRIC shall procure a term life insurance policy in
a face amount of no less than twice the amount of Executive's Base Salary (as in
effect on the date  hereof)  provided  that  Executive  is insurable at standard
rates. Executive shall be entitled to designate the beneficiary or beneficiaries
of such  policy in his sole  discretion.  In the  event  that  Executive  is not
insurable  at standard  rates,  and desires to be  insured,  Executive  shall be
responsible  for  payment of any  premiums  or amounts  charged in excess of the
standard rates for such insurance.

         g. Disability Insurance.  Executive shall be entitled to participate in
any  disability  income  insurance  policy (both long and short term) offered to
NCRIC's  senior  executives  and/or  key  management  employees  as a  group  in
accordance  with the  terms of such  policies(s),  as they  may be  modified  at
NCRIC's discretion from time to time. NCRIC's disability income insurance policy
provides  for payments to covered  employees  commencing  after an  "elimination
period" of ninety (90) days.  If, and when,  Executive  should  begin to receive
monthly  disability  payments  under  the  terms of  NCRIC's  disability  income
insurance  policy  then  in  force  NCRIC  agrees  to  supplement  said  monthly
disability payments by paying to Executive the difference between such sums paid
by the disability  insurer and  Executive's  Base Salary for a maximum period of
twelve (12) consecutive months. Following expiration of said twelve (12) months,
the coverage and provisions of NCRIC's  disability income insurance policy shall
constitute  the entire wage  continuation  plan provided in this  Agreement and,
except for the  payment of the  premiums  on such  policy,  NCRIC  shall have no
further liability to Executive for wage  continuation.  It is further understood
that Executive's  employment with NCRIC and Group shall be terminated  following
twelve (12)  consecutive  months of  disability  (being  unable to carry out the
normal functions and requirements of his position with NCRIC)  regardless of how
and when the  aforementioned  disability income payments from NCRIC's disability
income insurance policy may be paid or due to Executive.

<PAGE>

         5. Expenses.

         a. Business Expenses.  NCRIC and/or Group shall reimburse Executive for
ordinary,  necessary and  reasonable  business  expenses  incurred by him in the
discharge of his duties hereunder,  including but not limited to travel, lodging
and   entertainment   expenses,   provided   Executive   furnishes   appropriate
documentation  for such expenses and that said  expenses are in accordance  with
the  company's  then   prevailing   policies  and   procedures   regarding  said
expenditures.

         b.  Continuing  Education  Expenses.  NCRIC shall pay the  ordinary and
necessary  costs  associated  with  continuing  education  classes or continuing
education programs Executive  participates in which are related to the company's
business interests,  provided Executive furnishes  appropriate  documentation to
NCRIC for such costs and gives the Chief Executive  Officer of NCRIC  reasonable
notice of any expenditures for continuing education. All such expenses in excess
of One Thousand Dollars ($1,000) must be approved by the Chief Executive Officer
in advance.

         c.  Country  Club  Dues.  NCRIC  shall pay up to Twenty  Five  Thousand
Dollars  ($25,000) in initiation fees and up to $3,300 in annual membership dues
as reimbursement for Executive's membership in one country club. NCRIC shall not
pay or reimburse  Executive for any  non-mandatory  costs  associated  with such
membership, including but not limited to food, beverage and entertainment costs,
greens  fees,  and  court  fees,  unless  Executive  is  otherwise  entitled  to
reimbursement of such costs pursuant to paragraph 5(a) of this Agreement.

         d. Professional  Dues. NCRIC agrees to pay the Executive's  annual dues
to  the  American  College  of  Healthcare   Executives  (the  "ACHE")  and  the
President's Circle of ACHE.

         e. Effect of Termination of Employment. All payment or reimbursement of
expenses authorized by Section 5 hereof shall cease upon Executive's termination
of  employment  regardless  of cause  for said  termination,  provided  that any
expenses incurred by Executive prior to termination shall be reimbursed.

<PAGE>

         6. Termination of Employment by NCRIC.

         a.  Termination  for Cause.  The  employment  of  Executive  under this
Agreement,  may be  terminated  for  "cause"  by NCRIC  and Group at any time by
action  of the Board  upon the  occurrence  of any one or more of the  following
events:

                  (i) Executive's fraud, dishonesty, gross negligence or willful
                  misconduct  in  the  performance  of  his  duties   hereunder,
                  including  willful  failure  to  perform  such  duties  as may
                  properly be assigned him hereunder; or

                  (ii)  Executive's  material  breach of any  provision  of this
                  Agreement,

and  Executive  shall  be  notified  in  writing  of  such  termination,   which
notification  shall specify the grounds cited by the Board for such  termination
for cause. Any termination by reason of the foregoing shall not be in limitation
of any right or remedy  which  NCRIC or Group may have under this  Agreement  or
otherwise.

         Should  Executive  dispute whether "cause" existed for his termination,
he shall notify NCRIC and Group of his dispute in writing  within  fourteen days
of the  receipt of the notice of  termination,  and the parties  shall  promptly
proceed to arbitration in accordance with paragraph 16 of this Agreement.  NCRIC
shall continue to pay the Executive his Base Salary,  and other compensation and
benefits in effect  immediately  prior to the  termination.  If it is determined
that termination was for cause, Executive shall return all cash amounts to NCRIC
promptly  following  the  date  of  resolution  by  arbitration,  with  interest
commencing as of the date of the  resolution of the dispute by  arbitration  (at
the prime rate as published in the Wall Street  Journal from time to time).  Any
cash  amounts  paid to  Executive  pending  the  resolution  of the  dispute  by
arbitration shall offset any amounts due Executive under paragraph (b) below.

         b. Termination Without Cause.

         (i) NCRIC and Group may terminate Executive's  employment without cause
and at any time.  Executive shall be notified in writing of such  termination on
or prior to the effective date of such termination.

         (ii)  If  Executive's  employment  is  terminated  without  cause,  and
Executive  waives all claims against Group,  NCRIC and the Affiliated  Companies
relating  to or  arising  out  of  his  employment  or  the  termination  of his
employment by executing a general release of such claims in the form attached to
the Agreement, Executive shall

<PAGE>

receive,  as severance  pay, an amount equal to two times the Base Salary,  plus
accrued vacation. Such amount shall represent agreed-upon liquidated damages for
any loss, cost, expense or damages suffered as a result of such termination,  as
well as  consideration  for  Executive's  execution of a General  Release of all
claims against NCRIC and the Affiliated  Companies.  NCRIC shall pay such amount
to Executive in a lump sum on the effective date of termination.

         (iii) If a "Change of Control" of Group's or NCRIC's  business  occurs,
Executive may elect, in writing within three months of the  effectiveness of the
Change in  Control,  to deem his  employment  terminated  without  cause for the
purposes  of this  paragraph.  Executive  shall  notify  Group,  NCRIC  or their
successor of his election.  "Change of Control" shall be deemed to have occurred
if: (1) Group or NCRIC merges with or consolidates  with, or sells,  leases,  or
otherwise  transfers all or  substantially  all of its assets to another  entity
(which for the purpose of this  agreement  shall include the sale or transfer of
fifty percent or more of the ownership of NCRIC or Group,  but only if such sale
shall be made to an entity not  affiliated  with  Group).  However,  in no event
shall it be deemed a "change of control"  solely because NCRIC, A Mutual Holding
Company, changes its business form by converting to a stock company.

         7. Termination of Employment By Executive.

         Executive may voluntarily terminate his employment with NCRIC and Group
provided  that he  gives  NCRIC  and  Group  sixty  days  prior  notice  of such
termination or pays NCRIC  liquidated  damages equal to the amount of two months
of Base Salary (Base  Salary  divided by twelve,  times two).  It is agreed that
such liquidated  damages are to compensate  NCRIC and Group for injury by reason
of Executive's  termination  of his  employment  and not as a penalty,  it being
impossible to ascertain or estimate the entire or exact cost,  damages or injury
that NCRIC and Group may sustain by reason of such termination.  Executive shall
have the right to terminate his  employment  hereunder  without paying NCRIC and
Group  liquidated  damages  and  without  in any  way  affecting  his  right  to
compensation  or  reimbursement  (including,  but not  limited  to, the right to
receive  severance  payments  set forth in this  Agreement),  or any other right
under this  Agreement,  if NCRIC or Group commits a material breach of the terms
and conditions of this Agreement and such breach is not cured within thirty (30)
days of NCRIC or Group  receiving  written notice of such breach from Executive.
Such termination shall be deemed a termination  without cause under Section 6 of
this Agreement.

         8. Protection of Group and NCRIC

         a. Confidential Information.  Executive shall not at any time during or
after his  employment  with NCRIC and Group  directly  or  indirectly  disclose,
discuss,  divulge,  copy or otherwise suffer confidential  information of Group,
NCRIC  or the  Affiliated  Companies  to be  used,  except  as  required  by the
performance  of his  duties  hereunder.  For the  purposes  of  this  Agreement,
"confidential  information" shall mean all information disclosed to Executive by

<PAGE>

Group, NCRIC or the Affiliated Companies, or known by him as a consequence of or
through  his  employment  with Group and NCRIC,  where such  information  is not
generally known in the trade or industry,  and where such information  refers or
relates in any manner whatsoever to the business activities, processes, services
or  products  of Group,  NCRIC or the  Affiliated  Companies.  Such  information
includes,  but is not  limited  to,  business  and  development  plans  (whether
contemplated,  initiated or completed),  development  sites,  business contacts,
customer lists,  actuarial  tables,  loss data,  marketing  information,  policy
forms,  contracts,  research  of any kind,  methods  of  operation,  results  of
analysis,  business  forecasts,  financial data,  costs,  revenues,  and similar
information.  Upon  termination of this Agreement,  Executive shall  immediately
return to Group and NCRIC all of its property, and all copies thereof, including
without  limitation  all  confidential  information  which has been  reduced  to
tangible form, in his possession, custody or control.

         b. Covenant Not to Compete.  Executive agrees that he shall not, during
his  employment  and for a period  of one (1) year  after  the date on which the
termination of Executive's employment (other than following a change in control)
is effective or the dispute relating  thereto is resolved  (whichever is later),
directly  or  indirectly,  either  as an  officer,  director,  employee,  agent,
adviser,  consultant,  principal,  stockholder,  partner,  owner  or in an other
capacity,  on his own behalf or otherwise,  in any way engage in, represent,  be
connected with or have a financial interest in, any other insurance company,  or
any corporation, firm, association, or other business entity which is, or to the
best of  Executive's  knowledge,  is about  to  become,  engaged  in the same or
similar  business as Group,  NCRIC or any of their affiliates or which otherwise
competes with or is about to compete with Group,  NCRIC or any of its affiliates
in the  District  of  Columbia of any states  where  Group,  NCRIC or any of its
Affiliated  Companies  may  operate  or are  licensed  to  operate.  Executive's
ownership of not more than one percent (1%) of the stock of any publicly  traded
corporation  shall not be deemed a violation of this covenant.  Executive agrees
that the  restrictions  imposed upon him by the provisions of this paragraph are
fair and reasonable  considering the nature of Group's and NCRIC's business, and
are

<PAGE>

reasonably  required  for the  protection  of Group and  NCRIC.  For a period of
twelve months from the effective date of the termination  Executive's employment
hereunder,  Executive  will not solicit the  employment  of any of then  current
officers or employees of Group or any  affiliate.  The term  "solicit to employ"
shall  not  be  deemed  to  include  general  solicitations  of  employment  not
specifically directed towards employees of either of the parties.

         c.   Remedies   and   Acknowledgment   of   Reasonableness.   Executive
acknowledges that compliance with this paragraph is necessary for the protection
of the goodwill and other  proprietary  interests of NCRIC and Group,  and that,
after  carefully  considering  the extent of the  restrictions  upon him and the
rights and  remedies  conferred  upon NCRIC under this  paragraph,  the same are
reasonable in time and territory,  are designed to eliminate  competition  which
otherwise  would be  unfair to  NCRIC,  do not  stifle  the  inherent  skill and
experience of Executive, would not operate as a bar to Executive's sole means of
support, are fully required to protect the legitimate interests of NCRIC, and do
not confer a benefit upon NCRIC disproportionate to the detriment to Executive.

         Executive further acknowledges and agrees that in the event of a breach
of this paragraph,  neither Group nor NCRIC would not have an adequate remedy at
law  because  the  damages  flowing  from  such  breach  would  not  be  readily
susceptible  of  measurement in monetary terms and that Group and NCRIC shall be
entitled to injunctive  relief and may obtain a temporary order  restraining any
threatened  breach or future breach in addition to any other  remedies which may
be  available  at law or equity.  Nothing in this  paragraph  shall be deemed to
limit Group's or NCRIC's  remedies at law or in equity for breach of this or any
other paragraph of this Agreement.

         9. Death or Incapacitation. In the event that Executive dies or, due to
a  physical  or mental  impairment,  becomes  unable to  perform  the  essential
functions  of his  position  with  or  without  reasonable  accommodation,  this
Agreement  shall be deemed  terminated and Executive or his estate,  as the case
may be,  shall be  entitled  to no  further  salary,  compensation  or  benefits
hereunder, except (i) any unpaid salary, incentive payments and vacation accrued
and earned by Executive up to and  including the date of such  termination,  and
(ii) any disability,  life insurance or other benefits to which Executive or-his
estate may be entitled on the date of such  termination  in accordance  with the
terms and conditions of any applicable  benefit plan(s) as set forth in official
plan documents.

<PAGE>

         10.  Assignment.  This  Agreement is a personal  service  agreement and
neither  party  shall have the right to assign this  Agreement  or any rights or
obligations hereunder without the prior written consent of the other party.

          11. Notices.  All notices required or permitted  hereunder shall be in
writing and shall be deemed  properly  given if delivered  personally or sent by
certified or registered mail,  postage  prepaid,  return receipt  requested.  If
mailed to Group or NCRIC, such notices shall be sent to their principal place of
business,  attention: Chief Executive Officer, or at such other address as NCRIC
or Group  may  hereafter  designate  in  writing  to  Executive.  If  mailed  to
Executive, such notices shall be addressed to him at his home address last known
on the records of Group and NCRIC,  or at such other  address as  Executive  may
hereafter designate in writing to Group and NCRIC.

         12.  Successors  Bound.  This  Agreement  shall  bind and  inure to the
benefit  of  the   parties   hereto  and  their   respective   heirs,   personal
representatives, estates and permitted successors and assigns.

         13.  Waiver.  No  provision  hereof may be waived,  except by a written
instrument  signed  by the  party  against  whom  such  waiver  is  sought to be
enforced. The failure or waiver of either party hereto at any time, or from time
to time,  to  require  performance  by the  other  party of such  other  party's
obligation  hereunder,  shall not deprive that party of the right to insist upon
strict  adherence to such  obligation at any subsequent  time. Each party hereto
agrees that any waiver of its rights arising out of any breach of this Agreement
by the other party shall not be construed as a waiver of any subsequent breach.

         14. Amendment. No provision hereof may be altered or amended, except by
a written  instrument  signed  by the party  against  whom  such  alteration  or
amendment is to be enforced.

         15.  Governing Law. The parties agree that this Agreement  shall in all
respects be construed,  interpreted and enforced in accordance with and governed
by the laws of the District of Columbia,  without  regard to the  principles  of
conflict of laws thereof.

          16.  Arbitration.  Whenever a  "dispute"  arises  between  the parties
concerning  this  Agreement  (other  than a dispute  arising  under  paragraph 8
hereof) or their  employment  relationship,  including  without  limitation  the
termination  thereof,

<PAGE>

the  parties  shall use their best  efforts to resolve the  "dispute"  by mutual
agreement.  If such a "dispute" cannot be so resolved,  it shall be submitted to
final and binding  arbitration  to the exclusion of all other avenues of relief.
For the purposes of this paragraph,  the term "dispute" means all  controversies
or claims relating to terms,  conditions or privileges of employment,  including
without  limitation claims for breach of contract,  discrimination,  harassment,
wrongful  discharge,  misrepresentation,  defamation,  emotional distress or any
other personal injury,  but excluding  claims for  unemployment  compensation or
worker's  compensation.  The dispute shall be submitted to the Washington,  D.C.
office of the  American  Arbitration  Association  ("AAA")  and  adjudicated  in
accordance  with AAA's  Rules for  Commercial  Arbitration  then in effect.  The
decision of the Arbitrator must be in writing and shall be final-and  binding on
the parties,  and judgment may be entered on the arbitrator's award in any court
having  jurisdiction  thereof.  The expenses of the  arbitration  shall be borne
equally by the parties,  and each party shall be responsible  for his or its own
costs and attorneys' fees; provided, that the Executive shall not be responsible
for  the  cost  of  arbitration  if  he  is  successful  in  whole  or  part  in
arbitration..  The  Arbitrator  shall be deemed to  possess  the powers to issue
mandatory  orders and restraining  orders in connection  with such  arbitration;
provided,  however,  that nothing in this paragraph  shall be construed so as to
deny NCRIC or Group the right and power to seek and obtain  injunctive relief in
a court of equity for any breach or threatened breach by Executive of any of the
provisions  contained in paragraph 8 of this  Agreement.  This  paragraph  shall
survive the termination of this Agreement.

         17.  Severability.  In the event that any  provision of this  Agreement
conflicts with the law under which this Agreement is to be construed,  or if any
such  provision  is  held  invalid  or  unenforceable  by a court  of  competent
jurisdiction  or an  arbitrator,  such  provision  shall be  deleted  from  this
Agreement  and the  Agreement  shall be  construed  to give  full  effect to the
remaining provisions thereof.

         18.  Headings  and  Captions.   The  paragraph  headings  and  captions
contained in this Agreement are for convenience  only and shall not be construed
to define, limit or affect the scope or meaning of the provisions hereof.

         19. Entire Agreement. This Agreement contains and represents the entire
agreement of the parties and supersedes all prior agreements, representations or
understandings,  oral or written, express or implied with respect to the subject
matter  hereof.  This Agreement may not be modified or amended in any way unless
in a writing signed by both Executive and the Chief  Executive  Officer of NCRIC
and Group.  No  representation,  promise or  inducement  has been made by either
party

<PAGE>

hereto that is not embodied in this Agreement,  and neither party shall be bound
or liable for any alleged representation, promise or inducement not specifically
set forth herein.

         IN WITNESS WHEREOF, the parties have executed this Employment Agreement
on the date and year first written above.

                                    NCRIC, Inc.

                                    By: /s/ R. Ray Pate, Jr.
                                        -------------------------------------
                                        R. Ray Pate, Jr.
                                        President and Chief Executive Officer

                                    NCRIC Group, Inc.

                                    By: /s/ R. Ray Pate, Jr.
                                        -------------------------------------
                                        R. Ray Pate, Jr.
                                        President and Chief Executive Officer

                                    Executive

                                    /s/ Stephen S. Fargis
                                    ---------------------------
                                    Stephen S. Fargis

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00021-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00021-of-00352.parquet"}]]