Document:

<PAGE>

                                                                   Exhibit 10.30

                   RETIREMENT AGREEMENT AND GENERAL RELEASE

     This Retirement Agreement and General Release is made and entered into on
this ____ day of ____________, 2000, by and between Harris Financial, M.H.C.,
Harris Financial, Inc., Harris Savings Bank, and New Harris Financial, Inc., its
successors, assigns, subsidiaries, and affiliates (collectively "Harris") and
James L. Durrell ("Executive").

     WHEREAS, Executive has been employed by Harris since January 11, 1988, and
is currently employed as Executive Vice President, Chief Financial Officer of
Harris Savings Bank; and

     WHEREAS, Executive has indicated his desire to retire as an employee and
officer of Harris; and

     WHEREAS, in recognition of the valuable services and contributions to
Harris made by Executive, Harris is willing to provide certain salary
continuation benefits to Executive for a limited period upon his retirement.

     NOW THEREFORE, in consideration of the foregoing, the promises and
covenants contained herein and other good and valuable consideration, the
parties hereto, intending to be legally bound, hereby agree as follows:

     1.  Retirement.  Executive and Harris hereby agree that Executive will
         ----------
retire (terminate his employment) as an employee and officer of Harris effective
on the later of (a) December 31, 2000; or (b) the effective date of the merger
of York Financial, Inc. into New Harris Financial, Inc. (the later of (a) or (b)
referred to as the "Retirement Date).  Provided that Executive has not revoked
this Agreement, once executed by him, within the revocation period set forth in
Paragraph 11(e), Executive's last day of employment with Harris will be his
Retirement Date, and following such date Harris will pay or commence paying to
Executive the benefits described in the following Paragraphs.

     2.  Salary Continuation and Continuation of Health Benefits.  Commencing
         -------------------------------------------------------
with the first payroll date following Executive's Retirement Date, Harris
agrees:  (a) to pay to Executive a monthly salary continuation benefit equal to
$__________ commencing as of the date set forth above and continuing for a
period of thirty-six (36) months; (b) to pay for the period commencing on
Executive's Retirement Date and continuing up through July 31, 2001, a
percentage of Executive's health plan continuation coverage ("COBRA") premium
(provided Executive elects COBRA) in an amount equal to the employer paid
percentage then paid by Harris for active employees under its group health plan.
<PAGE>

     3.  Bonus.  Executive shall be entitled to a calendar year 2000 bonus of
         -----
$50,000 payable March, 2001.  Further, Executive will be eligible to receive an
additional  bonus for calendar year 2000 based on the level of achievement of
corporate calendar year 2000 Major Business Objectives ("MBO").  The parties
hereby agree that Harris must meet minimum thresholds for ROE and EPS, as set
forth in the Harris bonus plan for 2000, before he may be eligible to receive
any additional bonus for calendar year 2000.  The parties acknowledge that
Durrell's personal calendar year 2000 MBO could not be achieved because of
structural changes occurring within Harris in calendar year 2000.  Accordingly,
Executive's calendar year 2000 bonus will be determined fully on corporate
performance. If Executive's Retirement Date occurs after December 31, 2000,
Executive shall be eligible to participate in Harris' year 2001 bonus plan for
similarly situated employees.  Executive's participation in Harris' year 2001
bonus plan shall be determined only on corporate goals under the plan.
Executive's bonus, if any, shall be based on his base salary in effect as of his
Retirement Date.  Provided however, Executive's bonus, if any, for year 2001
shall be calculated on a pro rated method based on the number of full months
worked in year 2001.

     4.  Automobile.  As soon as administratively feasible after Executive's
         ----------
Retirement Date, Harris shall cause title to the automobile currently provided
to Executive by Harris to be transferred to Executive.

     5.  Life Insurance.  Harris confirms to Executive that Executive has the
         --------------
option to convert existing life insurance coverages maintained by Harris for
Executive for a period of thirty-one (31) days following Executive's Retirement
Date.  To the extent Executive does not elect to convert said life insurance
coverages to private policy coverages, all life insurance maintained by Harris
covering Executive shall cease as of Executive's Retirement Date.

     6.  Retirement Plans.  Executive's participation in the qualified
         ----------------
retirement plans maintained by Harris shall cease as of his Retirement Date.
Provided however, Executive may elect to commence distributions from the
retirement plans as of his Retirement Date or as of any date thereafter subject
however to the required minimum distribution rules and any other qualified plan
rules applicable to the Harris qualified retirement plans.

     7.  Stock Options.  The parties hereby confirm that Executive's termination
         -------------
of employment constitutes a retirement and pursuant to Executive's outstanding
stock option agreements, Executive shall become vested in any outstanding stock
options to which he is not otherwise vested as of his Retirement Date.

     8.  Death of Executive.  If Executive should die after benefits have
         ------------------
commenced under this Agreement but before receiving all such payments, Harris
shall pay the remaining benefits to the Executive's surviving spouse

                                      -2-
<PAGE>

up to the earlier of either date: (a) the date which is the end of the thirty-
six (36) month payment term described in Paragraph 2; or (b) the death of the
surviving spouse.

     9.   Tax Withholding.  Harris shall withhold any and all taxes which are
          ---------------
required to be withheld from any benefits paid under this Agreement to
Executive.

     10.  Non-Competition/Non-Solicitation Confidential Information.  In
          ---------------------------------------------------------
consideration of Harris entering into this Agreement and agreeing to make
payments to Executive pursuant hereto, such payments to which Executive is
otherwise not entitled to receive, Executive covenants and agrees that from the
date of execution of this Agreement and up through the end of the thirty-six
(36) month payment term described in Paragraph 1, he shall not directly or
indirectly, either as an individual or as a proprietor, stockholder, partner,
officer, director, employee, agent, consultant or independent contractor of any
individual, partnership, corporation or other entity (excluding an ownership
interest of one percent (1%) or less in the stock of a publicly traded company):

          (a) become employed by, participate in, or become connected in any
     manner with the ownership, management, operation or control of any bank,
     savings and loan or other similar financial institution which provides
     banking or other financial services within thirty (30) miles of any office
     now or in the future maintained by Harris; or

          (b) participate in any way in hiring or otherwise engaging, or
     assisting any other person or entity in hiring or otherwise engaging, on a
     temporary, part-time, or permanent basis, any individual who was employed
     by Harris during the three (3) year period immediately prior to Executive's
     Retirement Date. Notwithstanding any other provisions of this Agreement to
     the contrary, the terms of this subparagraph (b) shall not be limited to
     the thirty-six (36) month restriction set forth above; or

          (c) assist, advise, or serve in any capacity, representative or
     otherwise, any third party in any action against Harris or transaction
     involving Harris. Notwithstanding any other provisions of this Agreement to
     the contrary, the terms of this subparagraph (c) shall not be limited to
     the thirty-six (36) month restriction set forth above; or

          (d) divulge, disclose, or communicate to others in any manner
     whatsoever, any confidential information of Harris, including, but not
     limited to, the names and addresses of customers of Harris, as they may
     have existed from time to time or of any of Harris' prospective customers,
     work performed or services rendered for any customer, any method and/or
     procedures relating to projects or other work developed by or for Harris,
     information relating to audits, strategic planning, acquisition strategies,
     employment information, and all other similar information.  The
     restrictions contained in this subparagraph (d) apply to all information
     regarding Harris, regardless of the source who provided or compiled such
     information.  Notwithstanding any other provisions of this Agreement to the
     contrary, the terms of this subparagraph (d) shall not be limited to the
     thirty-six (36) month restriction set forth above and all information
     referred to herein shall not be disclosed unless and until it becomes known
     to the general public from sources other than the Executive.

                                      -3-
<PAGE>

     Executive understands and agrees that Harris will suffer irreparable harm
in the event that Executive breaches any of Executive's obligations under this
Paragraph 10, and that Executive's forfeiture of remaining payments under this
Agreement will be inadequate to compensate Harris for such breach.  Accordingly,
Executive agrees that, in the event of a breach or threatened breach by
Executive of this Paragraph 10, Harris, in addition to and not in limitation of
any other rights, remedies or damages available to Harris at law or in equity,
shall be entitled to a temporary restraining order, preliminary injunction and
permanent injunction in order to prevent or to restrain any such breach by
Executive, or by any representatives and any and all persons directly or
indirectly acting for, on behalf of or with Executive.

     11.  Release of Claims.  In consideration of the benefits to be provided by
          -----------------
Harris to Executive, such benefits to which Executive is not otherwise entitled
to receive, Executive hereby agrees as follows:

          (a) Executive knowingly and voluntarily releases and forever
     discharges Harris, of and from any and all claims, known and unknown, which
     Executive, his heirs, executors, administrators, successors, and assigns
     have or may have against Harris that accrued or arose at any time prior to
     the execution of this Retirement Agreement and General Release, including,
     but not limited to, any alleged violations of Title VII of the Civil Rights
     Act; the Employee Retirement Income Security Act; the Americans with
     Disabilities Act; the Family and Medical Leave Act; the Fair Labor
     Standards Act; the Age Discrimination in Employment Act; the Older Workers
     Benefit Protection Act; the Pennsylvania Human Relations Act; the
     Pennsylvania Wage Payment and Collection Law; (S)(S) 1981-1988 of Title 42
     of the U.S.C.; the Immigration Reform and Control Act; the National Labor
     Relations Act; any amendments to the foregoing statutes; any other federal,
     state, or local civil rights or employment-related law, regulation, or
     ordinance; any public policy, contract, tort, or common law, including
     wrongful discharge, reliance, or promissory estoppel; and any allegations
     for costs, fees, or other expenses, including attorneys' fees.

          (b) Executive waives his right to file any action, charge, or
     complaint on his own behalf, and to participate in any action, charge, or
     complaint which may be made by any other person or organization on his
     behalf, with any federal, state, or local judicial body, court, or
     administrative agency against Harris, except where such waiver is
     prohibited by law.  Should any such action, charge, or complaint be filed,
     Executive agrees that he will not accept any relief or recovery therefrom.
     Executive shall reimburse Harris for the fees and costs, including
     attorneys' fees, of defending such action, charge, or complaint.

          (c) Executive agrees that neither this Retirement Agreement and
     General Release nor the furnishing of the consideration for this Release
     shall be deemed or construed at any time for any purpose as an admission by
     Harris of any liability or unlawful conduct of any kind.

          (d) In the event that Executive breaches or attempts to breach any
     provision of this Paragraph 11, Executive agrees that Harris will be
     entitled to proceed in any court of law or equity to stop or prevent such
     breach, and will be entitled to any and all forms of relief, including
     injunctive relief.  Executive further agrees to reimburse Harris for all
     fees and costs, including attorneys' fees, incurred as a result thereof.

                                      -4-
<PAGE>

          (e)  By signing this Agreement, Executive represents and agrees that:

               (1) this Agreement is entered into knowingly and voluntarily;

               (2) that he is receiving consideration from Harris in addition to
          anything of value to which he is already entitled;

               (3) that he has been given at least twenty-one (21) days to
          consider this Agreement and has chosen to execute it on the date set
          forth above;

               (4) that he knowingly and voluntarily intends to be legally bound
          by this Agreement;

               (5) that he has been advised to consult with an attorney; and

               (6) that he has seven (7) days following the execution of this
          Agreement to revoke the same, in which case the obligations of the
          parties to this Agreement shall be null and void.

     12.  Property.  Executive shall, no later than his Retirement Date, return
          --------
to Harris all property and documents of Harris then in his possession.

     13.  Severability.  Executive and Harris acknowledge that any restrictions
          ------------
contained in this Agreement are reasonable and that consideration for this
Agreement has been exchanged.  In the event that any provision of this Agreement
shall be held to be void, voidable, or unenforceable, the remaining portions
hereof shall remain in force and effect.

     14.  Construction.  This Agreement shall be construed in accordance with
          ------------
the laws of the Commonwealth of Pennsylvania

     15.  Captions.  The captions used herein are for convenience and reference
          --------
only and are in no way to be construed as defining, limiting or modifying the
scope or intent of the various provisions that they introduce.

     16.  Entire Agreement.  This Agreement contains the entire understanding
          ----------------
between the parties hereto and supersedes and renders null and void and of no
force and effect any prior written or oral agreements between them including a
Change in Control Agreement effective August 10, 1998, by and between Executive
and Harris.  There are no representations, agreements, arrangements or
understandings, oral or written, between the parties hereto relating to the
subject matter of this Agreement which are not fully expressed herein.

     17.  Binding Effect.  It is the intention of the parties hereto to be
          --------------
legally bound by the terms hereof and it is further intended that this Agreement
be binding upon the respective heirs, successors, assigns, executors and
administrators of the parties.

                                      -5-
<PAGE>

     18.  Amendment.  No amendment to this Agreement shall be binding unless in
          ---------
writing and signed by the parties hereto.

ATTEST:                                 HARRIS FINANCIAL, M.H.C.

__________________________________      By:________________________________
(Asst.) Secretary

(SEAL)

ATTEST:                                 HARRIS FINANCIAL, INC.

__________________________________      By:________________________________
(Asst.) Secretary

(SEAL)

ATTEST:                                 HARRIS SAVINGS BANK

__________________________________      By:________________________________
(Asst.) Secretary

(SEAL)

ATTEST:                                 NEW HARRIS FINANCIAL, INC.

__________________________________      By:________________________________
(Asst.) Secretary

(SEAL)

WITNESS:                                EXECUTIVE

__________________________________      ___________________________________
                                        James L. Durrell

                                      -6-<PAGE>

                                                                   Exhibit 10.31

                   SEPARATION AGREEMENT AND GENERAL RELEASE

     This Separation Agreement and General Release is made and entered into on
this ____ day of ____________, 2000, by and between Harris Financial, M.H.C.,
Harris Financial, Inc., Harris Savings Bank, and New Harris Financial, Inc., its
successors, assigns, subsidiaries, and affiliates (collectively "Harris") and
William M. Long ("Executive").

     WHEREAS, Executive is currently employed as Senior Vice President, Lending
Division of Harris Savings Bank; and

     WHEREAS, Executive has indicated his desire to voluntarily terminate his
employment as an employee and officer of Harris; and

     WHEREAS, pursuant to Executive's voluntary termination of employment,
Harris is willing to provide certain salary continuation benefits to Executive.

     NOW THEREFORE, in consideration of the foregoing, the promises and
covenants contained herein and other good and valuable consideration, the
parties hereto, intending to be legally bound, hereby agree as follows:

     1.  Termination of Employment.  Executive and Harris hereby agree that
         -------------------------
Executive will voluntarily terminate his employment as an employee and officer
of Harris effective on the date which is the earlier of (a) sixty (60) days
after the effective date of the merger of York Financial, Inc. into New Harris
Financial, Inc. ("Merger"), or (b) the date, as selected by Harris and
communicated to Executive which is after the Merger but prior to the date
described in (a) above (the "Termination Date").  Provided that Executive has
not revoked this Agreement, once executed by him, within the revocation period
set forth in Paragraph 10(f), Executive's last day
<PAGE>

of employment with Harris will be the Termination Date and following such date
Harris will pay or commence paying to Executive the benefits described in the
following Paragraphs.

     2.  Salary Continuation and Health Benefits.  Commencing with the first
         ---------------------------------------
payroll date following Executive's Termination Date, as described in Paragraph 1
above, Harris agrees:  (a) to pay to Executive a monthly benefit equal to
$__________ commencing as of the date set forth above and continuing for a
period of twenty-four (24) months; (b) to pay a percentage of Executive's health
plan continuation coverage premium ("COBRA"), provided Employee elects COBRA
coverage, for the first twelve (12) months following Executive's Termination
Date, in an amount equal to the employer paid percentage then paid by Harris for
active employees under its group health plan.  Provided however, Harris shall
cease making payments on behalf of Executive pursuant to this subparagraph 2(b)
if, prior to the expiration of the twelve (12) month period, Executive becomes
eligible to participate under any other group health plan.

     3.  References and Employer Property.  All requests for references directed
         --------------------------------
to Harris by third parties shall be directed to Vice President of Human
Resources of Harris.  Upon Executive's termination of employment, Executive
agrees to return to Harris all property and documents of Harris then in his
possession.

     4.  Out-placement Services  Harris agrees to provide up to $ 7,500 on
         ------------------------
behalf of Executive payable to an outplacement service of his/her choice.

     5.  Life Insurance.  Harris confirms to Executive that Executive has the
         --------------
option to convert existing life insurance coverages maintained by Harris for
Executive for a period of thirty-one (31) days following Executive's termination
of employment.  To the extent Executive does not elect to convert said life
insurance coverages to private policy coverages, all life

                                      -2-
<PAGE>

insurance maintained by Harris covering Executive shall cease as of Executive's
termination of employment.

     6.  Death of Executive.  If Executive should die after benefits have
         ------------------
commenced under this Agreement but before receiving all such payments, Harris
shall pay the remaining benefits to the Executive's designated beneficiary.

     7.  Tax Withholding.  Harris shall withhold any and all taxes which are
         ---------------
required to be withheld from any benefits paid under this Agreement to
Executive.

     8.  Non-Solicitation Confidential Information.  In consideration of Harris
         -----------------------------------------
entering into this Agreement and agreeing to make payments to Executive pursuant
hereto, such payments to which Executive is otherwise not entitled to receive,
Executive covenants and agrees that from the date of execution of this Agreement
and at all times following Executive's Termination Date, he shall not directly
or indirectly, either as an individual or as a proprietor, stockholder, partner,
officer, director, employee, agent, consultant or independent contractor of any
individual, partnership, corporation or other entity (excluding an ownership
interest of one percent (1%) or less in the stock of a publicly traded company):

          (a) participate in any way in hiring or otherwise engaging, or
     assisting any other person or entity in hiring or otherwise engaging, on a
     temporary, part-time, or permanent basis, any individual who was employed
     by Harris during the two (2) year period immediately prior to Executive's
     Termination Date; or

          (b) assist, advise, or serve in any capacity, representative or
     otherwise, any third party in any action against Harris or transaction
     involving Harris; or

          (c) divulge, disclose, or communicate to others in any manner
     whatsoever, any confidential information of Harris, including, but not
     limited to, the names and addresses of customers of Harris, as they may
     have existed from time to time or of any of Harris' prospective customers,
     work performed or services rendered for any customer, any method and/or
     procedures relating to

                                      -3-
<PAGE>

     projects or other work developed by or for Harris, information relating to
     audits, strategic planning, acquisition strategies, employment information,
     and all other similar information. The restrictions contained in this
     subparagraph (c) apply to all information regarding Harris, regardless of
     the source who provided or compiled such information.

     Executive understands and agrees that Harris will suffer irreparable harm
in the event that Executive breaches any of Executive's obligations under this
Paragraph 8, and that Executive's forfeiture of remaining payments under this
Agreement will be inadequate to compensate Harris for such breach.  Accordingly,
Executive agrees that, in the event of a breach or threatened breach by
Executive of this Paragraph 8, Harris, in addition to and not in limitation of
any other rights, remedies or damages available to Harris at law or in equity,
shall be entitled to a temporary restraining order, preliminary injunction and
permanent injunction in order to prevent or to restrain any such breach by
Executive, or by any representatives and any and all persons directly or
indirectly acting for, on behalf of or with Executive.

     9.  Release of Claims.  In consideration of the benefits to be provided by
         -----------------
Harris to Executive, such benefits to which Executive is not otherwise entitled
to receive, Executive hereby agrees as follows:

         (a) Executive knowingly and voluntarily releases and forever
     discharges Harris, of and from any and all claims, known and unknown, which
     Executive, his heirs, executors, administrators, successors, and assigns
     have or may have against Harris that accrued or arose at any time prior to
     the execution of this Separation Agreement and General Release, including,
     but not limited to, any alleged violations of Title VII of the Civil Rights
     Act; the Employee Retirement Income Security Act; the Americans with
     Disabilities Act; the Family and Medical Leave Act; the Fair Labor
     Standards Act; the Age Discrimination in Employment Act; the Older Workers
     Benefit Protection Act; the Pennsylvania Human Relations Act; the
     Pennsylvania Wage Payment and Collection Law; (S)(S) 1981-1988 of Title 42
     of the U.S.C.; the Immigration Reform and Control Act; the National Labor
     Relations Act; any amendments to the foregoing statutes; any other federal,
     state, or local civil rights or employment-related law, regulation, or

                                      -4-
<PAGE>

     ordinance; any public policy, contract, tort, or common law, including
     wrongful discharge, reliance, or promissory estoppel; and any allegations
     for costs, fees, or other expenses, including attorneys' fees.

          (b) Executive waives his right to file any action, charge, or
     complaint on his own behalf, and to participate in any action, charge, or
     complaint which may be made by any other person or organization on his
     behalf, with any federal, state, or local judicial body, court, or
     administrative agency against Harris, except where such waiver is
     prohibited by law.  Should any such action, charge, or complaint be filed,
     Executive agrees that he will not accept any relief or recovery therefrom.
     Executive shall reimburse Harris for the fees and costs, including
     attorneys' fees, of defending such action, charge, or complaint.

          (c) Executive agrees not to disclose any information regarding the
     existence or substance of this Separation Agreement and General Release,
     except to any attorney with whom Executive chooses to consult regarding
     this Agreement, tax advisors, immediate family members, or where such
     disclosure is required by law.

          (d) Executive agrees that neither this Separation Agreement and
     General Release nor the furnishing of the consideration for this Release
     shall be deemed or construed at any time for any purpose as an admission by
     Harris of any liability or unlawful conduct of any kind.

          (e) In the event that Executive breaches or attempts to breach any
     provision of this Paragraph 10, Executive agrees that Harris will be
     entitled to proceed in any court of law or equity to stop or prevent such
     breach, and will be entitled to any and all forms of relief, including
     injunctive relief.  Executive further agrees to reimburse Harris for all
     fees and costs, including attorneys' fees, incurred as a result thereof.

          (f) By signing this Agreement, Executive represents and agrees that:

              (1) this Agreement is entered into knowingly and voluntarily;

              (2) that he is receiving consideration from Harris in addition to
          anything of value to which he is already entitled;

              (3) that he has been given at least forty-five (45) days to
          consider this Agreement and has chosen to execute it on the date set
          forth above;

              (4) that he knowingly and voluntarily intends to be legally bound
          by this Agreement;

                                      -5-
<PAGE>

               (5) that even though Harris contends that it is not legally
          required to do so, he has been provided with the job titles and ages
          of all individuals within the same organizational unit who have not
          terminated and who have not been offered benefits upon termination
          (Exhibit "A");

               (6) that he has been advised to consult with an attorney; and

               (7) that he has seven (7) days following the execution of this
          Agreement to revoke the same, in which case the obligations of the
          parties to this Agreement shall be null and void.

     10.  Severability.  Executive and Harris acknowledge that any restrictions
          ------------
contained in this Agreement are reasonable and that consideration for this
Agreement has been exchanged.  In the event that any provision of this Agreement
shall be held to be void, voidable, or unenforceable, the remaining portions
hereof shall remain in force and effect.

     11.  Construction.  This Agreement shall be construed in accordance with
          ------------
the laws of the Commonwealth of Pennsylvania

     12.  Captions.  The captions used herein are for convenience and reference
          --------
only and are in no way to be construed as defining, limiting or modifying the
scope or intent of the various provisions that they introduce.

     13.  Entire Agreement.  This Agreement contains the entire understanding
          ----------------
between the parties hereto and supersedes and renders null and void and of no
force and effect any prior written or oral agreements between them including a
Change in Control Agreement effective August 10, 1998, by and between Executive
and Harris.  There are no representations, agreements, arrangements or
understandings, oral or written, between the parties hereto relating to the
subject matter of this Agreement which are not fully expressed herein.

                                      -6-
<PAGE>

     14.  Binding Effect.  It is the intention of the parties hereto to be
          --------------
legally bound by the terms hereof and it is further intended that this Agreement
be binding upon the respective heirs, successors, assigns, executors and
administrators of the parties.

     15.  Amendment.  No amendment to this Agreement shall be binding unless in
          ---------
writing and signed by the parties hereto.

ATTEST:                                 HARRIS FINANCIAL, M.H.C.

______________________________          By:_________________________________
(Asst.) Secretary

(SEAL)

ATTEST:                                 HARRIS FINANCIAL, INC.

______________________________          By:_________________________________
(Asst.) Secretary

(SEAL)

ATTEST:                                 HARRIS SAVINGS BANK

______________________________          By:_________________________________
(Asst.) Secretary

(SEAL)

                                      -7-
<PAGE>

ATTEST:                                 NEW HARRIS FINANCIAL, INC.

_________________________________       By:____________________________________
(Asst.) Secretary

(SEAL)

WITNESS:                                EXECUTIVE

_________________________________       _______________________________________
                                        William M. Long

                                      -8-

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