Document:

Exhibit 10.A(12) 2005 Director Stock Award Plan

    PATRIOT
      NATIONAL BANCORP, INC.

    2005
      DIRECTOR STOCK COMPENSATION AND OWNERSHIP POLICY

    (adopted
      February 16, 2005)

    

    The
      Board
      of Directors believes it is important to align the interests of its Directors
      with the interests of its shareholders and, to that end, adopt this Stock
      Compensation and Ownership Policy. The stock compensation described below is
      meant to supplement cash compensation to the Directors as determined by the
      Board of Directors from time to time.

    

    Outside
      directors will receive $ 5,000 in Patriot National Bancorp, Inc. stock annually
      as of the date of the annual meeting of shareholders, prorated for service
      of
      less than one year. The number of shares will be determined by dividing $5,000
      by the last reported sales price on the date preceeding the date of  the
      annual meeting, or such other date as may closely follow the end of any trading
      "blackout" period that coincides with the date preceeding the date of the annual
      meeting. 

    

    New
      directors are required to purchase at least $ 10,000 in common stock of Patriot
      National Bancorp, Inc. within the first 12 months of service.Exhibit 10.1

                            UNITED STATES OF AMERICA
                           DEPARTMENT OF THE TREASURY
                           COMPTROLLER OF THE CURRENCY

------------------------------------
In the Matter of:                    )
AMCORE Bank, N.A.                    )
Rockford, Illinois                   )
------------------------------------

                                  CONSENT ORDER

     The Comptroller of the Currency of the United States of America
("Comptroller"), through his National Bank Examiner, has supervisory authority
over AMCORE Bank, N.A., Rockford, Illinois ("Bank").

     The Bank, by and through its duly elected and acting Board of Directors
("Board"), has executed a "Stipulation and Consent to the Issuance of a Consent
Order," dated August 10, 2006, that is accepted by the Comptroller. By this
Stipulation and Consent, which is incorporated by reference, the Bank has
consented to the issuance of this Consent Order ("Order") by the Comptroller.

     Pursuant to the authority vested in it by the Federal Deposit Insurance
Act, as amended, 12 U.S.C. Section 1818, the Comptroller hereby orders that:

                                    ARTICLE I
                              COMPLIANCE COMMITTEE
                              --------------------

     (1) Within thirty (30) days of the date of this Order, the Board shall
appoint a Compliance Committee of at least three (3) directors. Upon
appointment, the names of the members of the Compliance Committee and, in the
event of a change of the membership, the name of any new member shall be
submitted in writing to the Assistant Deputy Comptroller. The Compliance
Committee shall be responsible for monitoring and coordinating the Bank's
adherence to the provisions of this Order.

     (2) The Compliance Committee shall meet at least monthly.

     (3) Within sixty (60) days of the date of this Order and quarterly
thereafter, the Compliance Committee shall submit a written progress report to
the Board setting forth in detail:

     (a)  a description of the action needed to achieve full compliance with
          each Article of this Order;

     (b)  actions taken to comply with each Article of this Order; and

     (c)  the results and status of those actions.

     (4) The Board shall forward a copy of the Compliance Committee's report,
including a written discussion of actions they have or will take in response to
the report, to the Assistant Deputy Comptroller within ten (10) days of
receiving such report.

     (5) The Board shall ensure that their actions are implemented, and shall
require the Compliance Committee to monitor and address accomplishment of those
actions in future reports.

<PAGE>

                                   ARTICLE II
             BANK SECRECY ACT INTERNAL CONTROLS AND RISK ASSESSMENT
             ------------------------------------------------------

     (1) Within ninety (90) days of the date of this Order, in response to the
risks assessed as set forth in this Article, the Board shall develop, implement,
and thereafter ensure Bank adherence to a written program of policies and
procedures to provide for compliance with Bank Secrecy Act ("BSA"), as amended
(31 U.S.C. Section Section 5311 et seq.), the regulations promulgated thereunder
at 31 C.F.R. Part 103, as amended, and 12 C.F.R. Part 21, Subparts B and C, and
the rules and regulations of the Office of Foreign Assets Control ("OFAC")
(collectively referred to as the "Bank Secrecy Act" or "BSA") and for the
appropriate identification and monitoring of transactions that pose greater than
normal risk for compliance with the BSA. This program shall include the
following:

     (a)  written criteria for identification of transactions that pose greater
          than normal risk for compliance with the BSA;

     (b)  formal evaluation of the knowledge of the Bank's operational and
          supervisory personnel of the Bank's policies and procedures for
          identifying transactions that pose greater than normal risk for
          compliance with the Bank Secrecy Act;

     (c)  enhanced policies and procedures for identifying and monitoring
          transactions that pose greater than normal risk for compliance with
          the Bank Secrecy Act;

     (d)  enhanced policies and procedures for recording, maintaining, and
          recalling information about transactions that pose greater than normal
          risk for compliance with the Bank Secrecy Act;

     (e)  well-defined policies and procedures for investigating and resolving
          the Bank's response to transactions that have been identified as
          posing greater than normal risk for compliance with the Bank Secrecy
          Act;

     (f)  adequate controls and procedures to ensure that all suspicious and
          large currency transactions are identified and reported;

     (g)  procedures to identify and report to appropriate management personnel
          and/or committee:

          (i)  frequent or large volume cash deposits or wire transfers or book
               entry transfers to or from offshore or domestic entities or
               individuals;

          (ii) wire transfers or book entry transfers that are deposited into
               several accounts;

          (iii) receipt and disbursement of wire transfers or book entry
               transfers without an apparent bona fide business reason;

          (iv) receipt and disbursement of wire transfers or book entry
               transfers that are suspicious or inconsistent with the customers'
               business;

          (v)  receipt and disbursement of currency or monetary instruments that
               are suspicious or inconsistent with the customers' business; and

          (vi) if applicable, accounts opened in the name of or for the benefit
               of a financial institution or foreign bank, as defined in 31
               C.F.R. Section 103.11; and

     (h)  a method for introducing new products and services that ensures that
          the policies and procedures governing new products and services are
          consistent with the Bank's program for compliance with the Bank
          Secrecy Act.

The Board shall submit within forty-five (45) days a copy of the written
criteria for identification of transactions that pose greater than normal risk
for compliance with the BSA required in paragraph (a) to the Assistant Deputy
Comptroller for review and prior determination of no supervisory objection.

                                       2
<PAGE>

     (2) Within ninety (90) days of the date of this Order, the Board shall
develop, implement, and thereafter ensure Bank adherence to a written program of
policies and procedures to provide for the Bank's monitoring of suspicious cash,
monetary instruments, wire transfers, and other activities for all types of
transactions, accounts, customers, products, services, and geographic areas. At
a minimum, this written program shall establish:

     (a)  reviews of transactions, accounts, customers, products, services, and
          geographic areas that pose greater than normal risk for compliance
          with the BSA; and

     (b)  submission of SARs based on these reviews and analyses.

     (3) Within ninety (90) days of the date of this Order, the Board shall
develop, implement, and thereafter ensure Bank adherence to a written program of
policies and procedures to provide for the application of appropriate thresholds
for monitoring all types of transactions, accounts, customers, products,
services, and geographic areas that pose greater than normal risk for compliance
with the Bank Secrecy Act. At a minimum, this written program shall establish:

     (a)  meaningful thresholds for filtering accounts and customers for further
          monitoring, review, and analyses;

     (b)  an analysis of the filtering thresholds established by the Bank; and

     (c)  periodic testing and monitoring of thresholds for their
          appropriateness to the Bank's customer base, products, services, and
          geographic area.

     (4) Within ninety (90) days of the date of this Order, the Board shall
develop, implement, and thereafter ensure Bank adherence to expanded
account-opening procedures for all accounts, including non-cash areas, that pose
greater than normal risk for compliance with the Bank Secrecy Act by requiring:

     (a)  identification of all account owners and beneficial owners in
          compliance with 31 C.F.R. Section 103.121;

     (b)  identification of the officers, directors, major shareholders or
          partners, as applicable;

     (c)  documentation of the following information for all customers:

          (i)  any relevant financial information concerning the customer;

          (ii) the type of business conducted by the customer;

          (iii) the customer's source of income or wealth; and

          (iv) any other due diligence required by this Order, the BSA Officer
               or the Bank.

     (5) The Bank shall obtain the information required in the preceding
paragraph (4) of this Article before renewing or modifying an existing
customer's account within the scope of the preceding paragraph (4).

     (6) The Bank shall have a policy describing when the Bank will not open an
account, the terms under which a customer may use an account while the Bank is
verifying a customer's identity or other risks, when the Bank will close an
account after attempts to obtain the information required by paragraph (4) by
the date the information is due have failed or if the Bank is not able to form a
reasonable belief that it knows the true identify of a customer; and when the
Bank will file a Suspicious Activity Report in accordance with applicable law
and regulation.

     (7) Within one hundred twenty (120) days of the date of this Order, the
Board shall develop, implement, and thereafter ensure Bank maintenance of an
integrated, accurate system for all Bank areas to produce periodic reports
designed to identify unusual or suspicious activity, including patterns of
activity, to monitor and evaluate unusual or suspicious activity, and to
maintain accurate information needed to produce these reports.

                                       3
<PAGE>

     (a)  The Bank's system shall be able to link related accounts, countries of
          origin, location of the customers' businesses and residences to
          evaluate patterns of activity;

     (b)  The Bank shall maintain, either manually or through the Bank's
          electronic information systems, a list of all accounts associated with
          a relationship, a country or politically exposed persons ("PEPs"),

     (c)  The periodic reports shall segregate transactions that pose a greater
          than normal risk for compliance with the Bank Secrecy Act;

     (d)  The periodic reports shall include reports on all high risk accounts
          that are newly-established, renewed or modified, including the
          following information:

          (i)  the name of the customer;

          (ii) the officers, directors and major shareholder of any corporate
               customer and the partners of any partnership customer;

          (iii) any other accounts maintained by the customer and, as
               applicable, its officers, directors, major shareholders or
               partners;

          (iv) a detailed analysis of the due diligence performed on the
               customer and, as applicable, its officers, directors, major
               shareholders or partners;

          (v)  any related accounts of the customer at the Bank;

          (vi) any action the Bank has taken on the account;

          (vii) the purpose and balance of the account; and

          (viii) any unusual activity for each account;

     (e)  The periodic reports shall include reports on any type of grand jury
          or law enforcement subpoena received by the Bank and on any law
          enforcement inquiry directed to the Bank and any action taken by the
          Bank on the affected account; and

     (f)  The periodic reports shall include reports deemed necessary or
          appropriate by the BSA Officer or the Bank.

     (8) The BSA Officer or his/her designee shall periodically review, not less
than each calendar year, all account documentation for all high risk accounts
and the related accounts of those customers at the Bank to determine whether the
account activity is consistent with the customer's business and the stated
purpose of the account.

     (9) The Bank shall develop an escalation process to decide whether the
customer relationship will continue with customers where the bank has determined
that suspicious or unusual activity is taking place. In addition, this
escalation process should address any potential customer relationships where the
bank's due diligence indicates the account poses greater than normal risk for
compliance with the BSA.

     (10) The Board shall ensure that the Bank has processes, personnel, and
control systems to implement and adhere to the program developed pursuant to
this Article.

                                   ARTICLE III
                      BANK SECRECY ACT COMPLIANCE FUNCTION
                      ------------------------------------

     (1) Within thirty (30) days of the date of this Order, the Board shall
determine whether any changes are needed regarding the Bank's BSA Officer,
including the responsibilities, authority, structure, independence or skills of
the BSA Officer. In particular, the Board shall ensure that the BSA Officer has
sufficient training, authority, and skill to perform his/her assigned
responsibilities.

     (2) Within one hundred eighty (180) days of the date of this Order, and
annually thereafter, the Board shall determine whether any additions and/or
changes are needed regarding the Bank's BSA Officer, and the BSA Officer's
supporting staff, including the responsibilities, authority, structure,
independence, competencies, or capabilities of the BSA Officer and BSA Officer's
supporting staff.

                                       4
<PAGE>

                                   ARTICLE IV
                             BANK SECRECY ACT AUDIT
                             ----------------------

     (1) Within one hundred eighty (180) days of the date of this Order, the
Board, or a designated committee of the Board, shall adopt, implement, and
thereafter ensure Bank adherence to an independent, internal audit program,
including its scope, testing, and documentation, sufficient to:

     (a)  detect irregularities in the Bank's operations;

     (b)  determine the Bank's level of compliance with all applicable laws,
          rules and regulations;

     (c)  evaluate the Bank's adherence to established policies and procedures;

     (d)  perform an appropriate level of testing to support the audit findings;

     (e)  ensure adequate audit coverage in all areas; and

     (f)  establish an annual audit plan using a risk based approach sufficient
          to achieve these objectives.

     (2) Within sixty (60) days of the date of this Order, the Board shall
expand the Bank's existing BSA audit procedures to include:

     (a)  development of a schedule, from which deviations of more than forty
          five (45) days will occur only with the Board approval, for the Bank's
          internal audits;

     (b)  development of a program to test periodically the adequacy of internal
          controls designed to ensure compliance with the provisions of OFAC and
          the Bank Secrecy Act in all areas of the Bank;

     (c)  prompt management response and follow-up to all exceptions or other
          recommendations of any Bank auditor for BSA matters or of the Office
          of the Comptroller of the Currency; and

     (d)  a risk-based approach to OFAC and Bank Secrecy Act compliance that
          includes transactional testing and verification of data for
          higher-risk accounts or geographic areas of specific concern.

     (3) Within one hundred eighty (180) days of the date of this Order, the
Board shall ensure that the auditor or compliance officer for BSA matters has
performed the following activities:

     (a)  develop findings, observations and recommendations on the Bank's
          internal controls addressing compliance with OFAC and the Bank Secrecy
          Act, including related regulatory reporting on those subjects.

     (b)  review prior account activity at the Bank, including cash, deposit
          accounts, wire activity, certified check activity, Currency
          Transaction Report activity (including structuring), traveler's check
          activity, for account types that pose greater than normal risk for
          compliance with the Bank Secrecy Act as determined by the bank's risk
          assessment, in order to ascertain any unusual or suspicious
          transactions that may have occurred at the Bank since October 1, 2004.

     (4) Upon completion of this review, the Board's findings shall be reported
to the Assistant Deputy Comptroller. The Bank shall immediately file SARs, in
accordance with 12 C.F.R. Section 21.11, for any previously unreported
suspicious activity identified during this review.

                                       5
<PAGE>

     (5) The Board, or a designated committee of the Board, shall ensure
appropriate oversight of the BSA audit function, with particular emphasis on an
adequately staffed department or outside firm with respect to both the
experience level and number of the individuals employed.

     (6) The Board, or a designated committee of the Board, shall ensure that
the audit program is independent. The persons responsible for implementing the
BSA audit program described above shall report directly to the Board, or a
designated committee of the Board, which shall have the sole power to direct
their activities. All reports prepared by the audit staff shall be filed
directly with the Board and not through any intervening party.

     (7) All audit reports shall be in writing and supported by adequate
workpapers, which must be provided to the Bank. The Board, or a designated
committee of the Board, shall ensure that immediate actions are undertaken to
remedy deficiencies cited in audit reports, and that auditors maintain a written
record describing those actions.

     (8) The Board, or a designated committee of the Board, shall evaluate the
audit reports of any party providing services to the Bank, and shall assess the
impact on the Bank of any audit deficiencies cited in such reports.

     (9) The audit staff shall have access to any records necessary for the
proper conduct of its activities. National bank examiners shall have access to
all reports and work papers of the audit staff and any other parties working on
its behalf.

     (10) The Board, or a designated committee of the Board, shall ensure that
the Bank has processes, personnel, and control systems to ensure implementation
of, and adherence to, the program developed pursuant to this Article.

     (11) Upon adoption, a copy of the internal audit program shall be promptly
submitted to the Assistant Deputy Comptroller.

                                   ARTICLE V
                            BANK SECRECY ACT TRAINING
                            -------------------------

     (1) Within one hundred eighty (180) days of the date of this Order, the
Board shall develop, implement, and thereafter ensure Bank adherence to a
comprehensive training program for all appropriate operational and supervisory
personnel to ensure their awareness of their responsibility for compliance with
the requirements of the OFAC and the Bank Secrecy Act, including the reporting
requirements associated with SARs pursuant to 12 C.F.R. Part 21, Subpart B,
regardless of the size of the relationship or type of customer involved.

     (2) This comprehensive training program shall include strategies for
mandatory attendance, the frequency of training, procedures and timing for
updating training programs and materials, and the method for delivering
training.

     (3) This training program shall be tailored to address the applicable BSA
risks and requirements for each job function. It shall also include a discussion
of AMCORE's specific BSA/AML procedures that apply to that job function.

                                   ARTICLE VI
                                     CLOSING
                                     -------

     (1) Although the Board is by this Order required to submit certain proposed
actions and programs for the review or prior written determination of no
supervisory objection of the Assistant Deputy Comptroller, the Board has the
ultimate responsibility for proper and sound management of the Bank.

     (2) It is expressly and clearly understood that if, at any time, the
Comptroller deems it appropriate in fulfilling the responsibilities placed upon
it by the several laws of the United States of America to undertake any action
affecting the Bank, nothing in this Order shall in any way inhibit, estop, bar
or otherwise prevent the Comptroller from so doing.

                                       6
<PAGE>

     (3) Any time limitations imposed by this Order shall begin to run from the
effective date of this Order. Such time limitations may be extended in writing
by the Assistant Deputy Comptroller for good cause upon written application by
the Board.

     (4) The provisions of this Order are effective upon issuance of this Order
by the Comptroller, through his authorized representative whose hand appears
below, and shall remain effective and enforceable, except to the extent that,
and until such time as, any provisions of this Order shall have been amended,
suspended, waived, or terminated in writing by the Comptroller.

     (5) In each instance in this Order in which the Board is required to ensure
adherence to, and undertake to perform certain obligations of the Bank, it is
intended to mean that the Board shall:

     (a)  authorize and adopt such actions on behalf of the Bank as may be
          necessary for the Bank to perform its obligations and undertakings
          under the terms of this Order;

     (b)  require the timely reporting by Bank management of such actions
          directed by the Board to be taken under the terms of this Order;

     (c)  follow-up on any non-compliance with such actions in a timely and
          appropriate manner; and

     (d)  require corrective action be taken in a timely manner of any
          non-compliance with such actions.

     (6) This Order is intended to be, and shall be construed to be, a final
order issued pursuant to 12 U.S.C. Section 1818(b), and expressly does not form,
and may not be construed to form, a contract binding on the Comptroller or the
United States.

     (7) The terms of this Order, including this paragraph, are not subject to
amendment or modification by any extraneous expression, prior agreements or
prior arrangements between the parties, whether oral or written. IT IS SO
ORDERED, this tenth day of August, 2006.

/S/ Jennifer Kelly
------------------------
Jennifer Kelly
Deputy Comptroller
Midsize Bank Supervision

                                       7
<PAGE>

                            UNITED STATES OF AMERICA
                           DEPARTMENT OF THE TREASURY
                           COMPTROLLER OF THE CURRENCY

---------------------------------------
In the Matter of:                       )
AMCORE Bank, N.A.                       )
Rockford, Illinois                      )
---------------------------------------

                     STIPULATION AND CONSENT TO THE ISSUANCE
                               OF A CONSENT ORDER

     The Comptroller of the Currency of the United States of America
("Comptroller") has initiated cease and desist proceedings against AMCORE Bank,
N.A., Rockford, Illinois ("Bank") pursuant to 12 U.S.C. Section 1818(b).

     The Bank, in the interest of compliance and cooperation, consents to the
issuance of a Consent Order, dated August 10, 2006 ("Order");

     In consideration of the above premises, the Comptroller, through his
authorized representative, and the Bank, through its duly elected and acting
Board of Directors, hereby stipulate and agree to the following:

                                   ARTICLE I
                                  Jurisdiction
                                  ------------

     (1) The Bank is a national banking association chartered and examined by
the Comptroller pursuant to the National Bank Act of 1864, as amended, 12 U.S.C.
Section 1 et seq.

     (2) The Comptroller is "the appropriate Federal banking agency" regarding
the Bank pursuant to 12 U.S.C. Section Section 1813(q) and 1818(b).

     (3) The Bank is an "insured depository institution" within the meaning of
12 U.S.C. Section 1818(b)(1).

     (4) As a result of this Order:

     (a)  Pursuant to 12 C.F.R. Section 5.51(c)(6), the Bank shall be designated
          as in "troubled condition," unless otherwise informed in writing by
          the Comptroller;

     (b)  Pursuant to 12 C.F.R. Section 5.3(g)(4), the Bank is not an eligible
          bank for the purposes of 12 C.F.R. Part 5 unless otherwise informed in
          writing by the Comptroller;

     (c)  For purposes of 12 C.F.R. Section 5.47, the Bank shall continue to be
          an eligible bank until December 31, 2006; and

     (d)  Pursuant to 12 C.F.R. Section 24.2(e)(4), the Bank shall continue to
          be an eligible bank for the purposes of 12 C.F.R. Part 24 unless
          otherwise informed in writing by the Comptroller.

<PAGE>

                                   ARTICLE II
                                    Agreement
                                    ---------

     (1) The Bank, without admitting or denying any wrongdoing, hereby consents
and agrees to the issuance of the Order by the Comptroller.

     (2) The Bank further agrees that said Order shall be deemed an "order
issued with the consent of the depository institution" as defined in 12 U.S.C.
Section 1818(h)(2), and consents and agrees that said Order shall become
effective upon its issuance and shall be fully enforceable by the Comptroller
under the provisions of 12 U.S.C. Section 1818(i). Notwithstanding the absence
of mutuality of obligation, or of consideration, or of a contract, the
Comptroller may enforce any of the commitments or obligations herein undertaken
by the Bank under his supervisory powers, including 12 U.S.C. Section 1818(i),
and not as a matter of contract law. The Bank expressly acknowledges that
neither the Bank nor the Comptroller has any intention to enter into a contract.

     (3) The Bank also expressly acknowledges that no officer or employee of the
Comptroller has statutory or other authority to bind the United States, the U.S.
Treasury Department, the Comptroller, or any other federal bank regulatory
agency or entity, or any officer or employee of any of those entities to a
contract affecting the Comptroller's exercise of his supervisory
responsibilities.

                                  ARTICLE III
                                     Waivers
                                     -------

     (1) The Bank, by signing this Stipulation and Consent, hereby waives:

     (a)  the issuance of a Notice of Charges pursuant to 12 U.S.C. Section
          1818(b);

     (b)  any and all procedural rights available in connection with the
          issuance of the Order;

     (c)  all rights to a hearing and a final agency decision pursuant to 12
          U.S.C. Section 1818(i), 12 C.F.R. Part 19

     (d)  all rights to seek any type of administrative or judicial review of
          the Order; and

     (e)  any and all rights to challenge or contest the validity of the Order.

                                       9
<PAGE>

                                   ARTICLE IV

                                  Other Action
                                  ------------

     (1) The Bank agrees that the provisions of this Stipulation and Consent
shall not inhibit, estop, bar, or otherwise prevent the Comptroller from taking
any other action affecting the Bank if, at any time, it deems it appropriate to
do so to fulfill the responsibilities placed upon it by the several laws of the
United States of America.

     (2) IN TESTIMONY WHEREOF, the undersigned, authorized by the Comptroller as
his representative, has hereunto set his hand on behalf of the Comptroller.

/s/ Jennifer Kelly                                      August 10, 2006
------------------------------                          ----------------------
Jennifer Kelly                                          Date
Deputy Comptroller
Midsize Bank Supervision

         IN TESTIMONY WHEREOF, the undersigned, as the duly elected and acting
Board of Directors of the Bank, have hereunto set their hands on behalf of the
Bank.

/s/ Patricia M. Bonavia                                 August 10, 2006
------------------------------                          ----------------------
Patricia M. Bonavia

/s/ Eleanor Doar                                        August 10, 2006
------------------------------                          ----------------------
Eleanor Doar

/s/ Kenneth E. Edge                                     August 10, 2006
------------------------------                          ----------------------
Kenneth E. Edge

/s/ John R. Hecht                                       August 14, 2006
------------------------------                          ----------------------
John R. Hecht

/s/ Donald H. Wilson                                    August 10, 2006
------------------------------                          ----------------------
Donald H. Wilson

/s/ James S. Waddell                                    August 10, 2006
------------------------------                          ----------------------
James S. Waddell

/s/ Thomas R. Szmanda                                   August 10, 2006
------------------------------                          ----------------------
Thomas R. Szmanda                                       Date

                                       10

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