Document:

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                                EXHIBIT 10.14(a)

     THIS LEASE AGREEMENT (hereinafter called the "Lease"), made this 22nd day
of September, 1987, by and between CHESTERFIELD PLAZA JOINT VENTURE thereinafter
called "Landlord") and CHESAPEAKE FEDERAL SAVINGS & LOAN ASSOCIATION
(hereinafter called "Tenant").

     WITNESSESTH: That in consideration of the rents, covenants and agreements
contained herein, Landlord hereby leases to Tenant and Tenant hereby rents from
Landlord the premises containing approximately 1,260 square feet, which premises
are outlined in red on Schedule "A" attached hereto and made a part hereof
(hereinafter called the "Premises"), located within that Shopping Center known
as Chesterfield Plaza (thereinafter called the "Shopping Center") located at
8095 G Edwin Raynor Boulevard, Pasadena, Maryland 21122, for the term, upon the
rentals, and subject to the terms and conditions hereinafter set forth as
follows, namely:

Plans and             SECTION 1. The premises leased, hereinafter called the
Specifications   "Premises" shall be erected by Landlord in accordance with the
                 aforesaid plans and outline specifications attached hereto and
                 hereby made a part hereof. All work over and above that set
                 forth in said plans and specifications which may be necessary
                 to outfit the Premises for Tenant's occupancy or for the
                 operation of Tenant's business therein is the responsibility of
                 Tenant, and shall be performed by Tenant at its own costs and
                 expense.

                      Tenant covenants and agrees to submit to Landlord within
                 thirty days from the date of this Lease, for Landlord's
                 approval, plans and specifications describing the fixtures to
                 be installed by Tenant and the other work to be performed by
                 Tenant in outfitting the Premises for the conduct of its
                 business therein. Tenant covenants and agrees not to do any
                 fixturing or other work in or to the Premises except as set
                 forth in such plans and specifications as may be approved by
                 Landlord in writing upon submission thereof by Tenant, as
                 heretofore provided, or such as may be approved by Landlord in
                 writing from time to time thereafter. Landlord covenants and
                 agrees that its approval of the plans and specifications to be
                 submitted by Tenant will not be unreasonably withheld.

Term                  SECTION 2.(a) The term of this Lease shall commence on the
                 earlier to occur of (1) the thirtieth day following the day
                 Landlord served upon Tenant a certificate of a Partner of
                 Landlord certifying that the premises are substantially
                 completed, or (2) the opening by Tenant of its business in the
                 Premises; and shall be for a period of Five (5) years, plus the
                 part of the month, if any, from the date of the commencement of
                 the term to the first day of the first full calendar month of
                 the term. Each of the parties hereto agrees, upon the request
                 of either made on or after the commencement of the term,
                 promptly to execute, acknowledge and deliver an instrument in
                 recordable form setting forth the dates of commencement and the
                 end of the term.

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                           (b) Tenant's occupancy of the Premises shall
                 constitute acceptance of said Premises by it and an
                 acknowledgement by it that said Premises are in the condition
                 called for in said plans and specifications.

                           (c) During the thirty day period following the
                 mailing of the certificate of Landlord that said Premises are
                 substantially completed (and prior thereto, provided Landlord's
                 construction activities are not thereby impeded or hindered),
                 Tenant shall at its own risk be permitted to enter the Premises
                 without payment of rent for the purpose of installing its store
                 fixtures and stock of merchandise within said Premises.

                           (d) If the Premises shall not be substantially
                 completed by the later of the two following dates, that is, (i)
                 December 31, 1987, (the "outside completion date"), or (ii) the
                 expiration of such period after the outside completion date as
                 shall equal the aggregate period of delay, if any, in
                 construction of the Premises due to any labor dispute,
                 inability to obtain material or labor on reasonable terms, or
                 any cause whatever (including Tenant's failure to supply
                 necessary data or instructions) not due to the fault of
                 Landlord, the Tenant shall have the right to cancel this Lease
                 by giving written notice of cancellation to Landlord within
                 twenty days after such later date, but in no event after
                 substantial completion of the Premises, which notice shall be
                 effective when given. Landlord agrees that it will give written
                 notice to Tenant not later than thirty days prior to such
                 outside completion date of the aggregate period of delay, as
                 aforesaid, encountered to the date of such notice. Under no
                 circumstances shall Landlord be liable to Tenant in damages for
                 any delay in commencing or completing the Premises, or for a
                 total failure to complete the same; and in the event of
                 cancellation of this Lease in accordance with the foregoing
                 provisions of this subparagraph (d), neither party shall
                 thereafter be under any liability to the other with respect to
                 this Lease and the relations of the parties shall be the same
                 as if this Lease had never been made.

Use Of                SECTION 3. (a) The Premises shall be used and occupied for
Premises         the following purposes and none other:

                      For all of the normal activities of a Federal savings and
                 loan association.

                           (b) As one of the inducements for making this Lease,
                 Tenant hereby covenants and agrees to occupy the Premises
                 promptly after the commencement of the term of this Lease and
                 thereafter continuously during the said term, to conduct in
                 said Premises the business permitted in paragraph (a) during
                 hours recognized in the trade as normal and customary for such
                 type of business, to keep in stock in the Premises a full and
                 ample line of merchandise for the purpose of carrying on the
                 business permitted in

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                 paragraph (a), to maintain an adequate sales force at all times
                 to serve properly all customers, and to generally take all such
                 action in good faith and in such manner as will assure the
                 transaction of the maximum volume of business in the Premises.
                 Tenant will not use, permit suffer the use of the Premises for
                 any other business than that hereinabove stated or for
                 residential purposes and will not use or permit any use of the
                 Premises except in a manner consistent with general high
                 standards of merchandising. Tenant will not permit, allow or
                 cause any public or private auction sales to be conducted on or
                 from the Premises. Tenant will conduct business on the Premises
                 only in the name of "Chesapeake Federal Savings & Loan
                 Association" and under no other name or trade name unless and
                 until the use of some other name is approved in writing by
                 Landlord.

Rent                  SECTION 4. (a)  Tenant covenants and agrees to pay to
                 Landlord, as rental for the Premises, the following namely:

                      (1) A minimum rental at the rate of Eighteen Thousand Nine
                 Hundred ($18,900) Dollars for/year one of this Lease, payable
                 in equal monthly installments of One Thousand Five Hundred
                 Seventy Five ($1,575) Dollars each*, in advance on the first
                 day of each calendar month without any set-off or deduction
                 whatsoever. If the term of this Lease shall commence on a date
                 other than the first day of a month, the minimum rental for the
                 period from the date of commencement of the term to the first
                 day of the first full calendar month of the term shall be
                 prorated and shall be payable on the first day of the term.
                 Landlord hereby acknowledges receipt from Tenant of the sum of
                 $1,575 Dollars representing prepaid rent for the first month of
                 the lease term.

                      The minimum rental for year two of this Lease shall be
                 Nineteen Thousand Eight Hundred Forty Five Dollars ($19,845)
                 payable in equal monthly installments of One Thousand Six
                 Hundred Fifty Three Dollars and Seventy Five Cents ($1,653.75),
                 the minimum rental for year three of this Lease shall be Twenty
                 Thousand Eight Hundred Thirty Seven Dollars Twenty Five Cents
                 ($20,837.25) payable in equal monthly installments of One
                 Thousand Seven Hundred Thirty Six Dollars and Forty Four Cents
                 ($1,736.44), the minimum rental for year four of this Lease
                 shall be Twenty One Thousand Eight Hundred Seventy Nine Dollars
                 and Eleven Cents ($21,879.11) payable in equal monthly
                 installments of One Thousand Eight Hundred Twenty Three Dollars
                 and Twenty Six Cents ($1,823.26), the minimum rental for year
                 five of this Lease shall be Twenty Two Thousand Nine Hundred
                 Seventy Three Dollars and Six Cents ($22,973.06) payable in
                 equal monthly installments of One Thousand Nine Hundred
                 Fourteen Dollars and Forty Two Cents ($1,914.42).

Quiet                 SECTION 5. (a) Landlord hereby covenants and agrees that
Enjoyment        so long as Tenant complies with all the terms, covenants, and
                 provisions of this Lease,

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                 Tenant shall have the peaceful and quiet use of the Premises
                 without let or hindrance on the part of Landlord and Landlord
                 shall warrant and defend Tenant in such peaceful and quiet use
                 and possession against the claims of all persons claiming by,
                 through or under Landlord.

Subordination              (b) Tenant's rights under this Lease are, however,
                 and shall always be subordinate to the operation and effect of
                 any ground lease or mortgage, deed or trust or similar security
                 instrument (thereinafter collectively called "Security
                 Instrument") now or hereafter placed upon the land or buildings
                 of which the Premises are a part, or any part thereof, by
                 Landlord or any renewal, modification, consolidation,
                 replacement or extension of any such Security Instrument,
                 unless such secured party elects to have Tenant's interest
                 hereunder superior to the lien of such Security Instrument;
                 this clause shall be self-operative and no further instrument
                 of subordination shall be required. In confirmation of such
                 subordination, Tenant shall execute promptly any certificate
                 that Landlord may request. Tenant hereby constitutes and
                 appoints Landlord as Tenant's attorney-in-fact to execute any
                 such certificate or certificates for and on behalf of Tenant.

                           (c) Tenant agrees, at any time, and from time to
                 time, upon not less than ten days' prior written request by
                 Landlord, to execute, acknowledge and deliver to Landlord a
                 statement in writing certifying the commencement and
                 termination dates of the term of this Lease, that this Lease is
                 unmodified and in full force and effect (or if there have been
                 modifications, that this Lease is in full force and effect as
                 modified and stating the modifications), and the dates to which
                 rent and other charges have been paid, it being intended that
                 any such statement delivered pursuant to this provision may be
                 relied upon by any prospective purchaser of Landlord's interest
                 or holder of a Security Instrument or assignee of any Security
                 Interest upon Landlord's estate in the Premises.

Parking Areas         SECTION 6. (a) During the term of this Lease, customers of
                 Tenant shall be entitled to the non-exclusive use, free of
                 charge, but in common with others, of the driveways, footways
                 and parking areas from time to time existing within the
                 Shopping Center, provided that such use shall be subject to
                 such rules and regulations as Landlord may from time to time
                 prescribe governing the same; and provided further that
                 Landlord shall at all times have full and exclusive control,
                 management and direction of said driveways, footways and
                 parking areas. Landlord shall further have the right to police
                 the same and from time to time to change the arrangement,
                 location, layout and arrangement thereof; to restrict parking
                 by tenants, their officers, agents and employees; to designate
                 employee parking areas; to construct surface, subterranean or
                 elevated parking areas and facilities; to establish and from
                 time to time change the level of said parking areas and
                 facilities; to close temporarily all or any portion of the
                 parking areas or facilities; to discourage non-customer
                 parking; and to do and perform such other acts in and to such

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                 areas as, in the use of good business judgment, Landlord shall
                 determine to be advisable in order to improve or make more
                 convenient the use thereof by tenants, their officers, agents,
                 employees and customers. It is furthermore understood and
                 agreed that Landlord may from time to time reduce such parking
                 areas, driveways and footways by erecting thereon store
                 buildings or other structures or improvements of any kind,
                 including, but not limited to, extensions to any buildings
                 erected in the Shopping Center; provided that there shall at
                 all times be provided parking space for not less than 285
                 passenger automobiles.

                           (b) Tenant agrees to require its officers, employees
                 and agents to park their automobiles only in the area within
                 the Shopping Center parking lot which is designated by Landlord
                 for employee parking. In the event Tenant or Tenant's officers,
                 employees or agents park in an area other than such designated
                 employee parking area, Landlord shall have the right to tow
                 away any such automobile and to charge Tenant with the towing,
                 storage and all other costs incurred, payable within five days
                 after submission of a written statement by Landlord to Tenant
                 setting forth such costs.

                           (c) Landlord covenants and agrees that it will at its
                 own cost provide reasonable illumination for the aforesaid
                 driveways, footways and parking areas, and that it will keep
                 the same in reasonable repair and reasonably free of litter and
                 snow.

Assignment            SECTION 7. (a) Tenant covenants and agrees not to assign
And Subletting   this Lease in whole or in part, nor to sublease all or any part
                 of the Premises nor permit other persons to occupy the Premises
                 or any part thereof, nor to grant any license or concession for
                 all or any part of the Premises, without the written consent of
                 Landlord in each instance first had and obtained. Any consent
                 by Landlord to an assignment or subletting of this Lease shall
                 not constitute a waiver of the necessity of such consent as to
                 any subsequent assignment or subletting. An assignment for the
                 benefit of Tenant's creditors or otherwise by operation of law
                 shall not be effective to transfer or assign Tenant's interest
                 under this Lease unless Landlord shall have first consented
                 thereto in writing.

                           (b) In the event Tenant desires to assign this Lease
                 or to sublease all or any substantial portion of the Premises,
                 Landlord shall have the right and option to terminate this
                 Lease, which right or option shall be exercisable by written
                 notice from Landlord to Tenant within thirty (30) days from the
                 date Tenant gives Landlord written notice of its desire to
                 assign or sublease.

Repairs               SECTION 8. (a) Landlord covenants and agrees to keep and
                 maintain the roof and other exterior portions of the Premises
                 (exclusive of doors, windows, glass and other portions of the
                 store front of the premises) in repair,

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                 provided that Tenant shall give Landlord written notice of the
                 necessity for such repairs, and provided that the damage
                 thereto shall not have been caused by Tenant, its agents,
                 employees, invitees or customers, in which event Tenant shall
                 be responsible therefor and shall promptly repair the same.
                 Except as expressly set forth in this subparagraph, Landlord
                 shall be under no liability for repair or maintenance of the
                 Premises, or any part thereof, nor shall Landlord be under any
                 liability to repair or maintain any electrical, plumbing,
                 heating, air-conditioning or other mechanical installation.

                           (b) Tenant covenats and agrees to keep the exterior
                 store front of the Premises and the entire interior of the
                 Premises, together with all electrical, plumbing, heating,
                 air-conditioning and other mechanical installations and
                 equipment used by, or in connection with, the Premises, in good
                 order and repair at its own expense and to promptly replace at
                 its own expense, any exterior or interior plate glass doors,
                 windows and mirrors which may be broken or damaged; and to
                 surrender the Premises at the expiration of the term in as good
                 condition as when received, ordinary wear and tear excepted.
                 Tenant will not overload the electrical wiring or plumbing and
                 will not install any additional electrical wiring or plumbing
                 unless it has first obtained Landlord's written consent thereto
                 and, if such consent is given, Tenant will install the same at
                 its own cost and expense. Tenant will repair promptly at its
                 own expense any damage to the Premises caused by bringing into
                 the Premises any property for Tenant's use, or by the
                 installation or removal of such property, regardless of fault
                 or by whom such damage shall be caused by Landlord, its agents,
                 employees, or contractors.

                           (c) In the event Tenant shall not proceed promptly
                 and diligently to make any repairs or perform any obligation
                 imposed upon it by the preceding subparagraph hereof within
                 forty-eight hours after receiving written notice from Landlord
                 to make such repairs or perform such obligation, then and in
                 such event, Landlord may it its option, enter the Premises and
                 do and perform the things specified in said notice, without
                 liability on the part of Landlord for any loss or damage
                 resulting from any such action by Landlord and Tenant agrees to
                 pay promptly upon demand any cost or expense incurred by
                 Landlord in taking such action.

                           (d) Tenant covenants and agrees to keep in force at
                 its own expense, at all times during the term of this lease,
                 plate glass insurance insuring the plate glass and mirrors, if
                 any, on the premises at their full insurable value in a policy
                 (the form of which is satisfactory to Landlord) issued by a
                 company aceptable to Landlord, amd covering both Tenant and
                 Landlord; Tenant further covenants and agrees to deposit said
                 policy of insurance, or a certificate thereof, with Landlord on
                 or before the commencement of the term of this Lease. If at any
                 time, Tenant does not comply with the covenants made in this
                 subparagraph (d), Landlord may, at its option, cause insurance
                 as aforesaid to be issued, and in such event, Tenant

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                 agrees to pay all premiums for such insurance promptly upon
                 Landlord's demand.

Utilities             SECTION 9. Tenant covenants and agrees to pay promptly
                 when due the charges for all utility services rendered or
                 furnished to the Premises, including but without limitation,
                 heat, Metropolitan District Charges, water, gas, electricity
                 and telephone, together with all taxes, levies or other charges
                 on such utilities. Tenant also agrees to pay promptly when due
                 all minor privilege taxes or charges or other similar taxes or
                 charges, levied or assessed against the Premises. If Tenant
                 defualts in the payment of any such charges or taxes, Landlord
                 may, at its option, pay the same for and on Tenant's account,
                 in which event Tenant shall promptly riemburse Landlord
                 therefor.

Tenant's              SECTION 10. (a) Tenant covenants and agrees (1) that it
Operations       will use, maintain and occupy the Premises, in a careful, safe
                 and proper manner, and will keep the appurtenances, including
                 adjoining sidewalks, in a clean and safe condition, and will
                 promptly clean the snow, ice and debris from said sidewalks and
                 appurtenances during the term of this Lease at its own expense;
                 (2) to keep the inside and outside of all glass in the doors
                 and windows of the Premises clean; (3) that it will not, withou
                 the prior written consent of Landlord, place or maintain any
                 merchandise or other articles in any vestibule or entry to the
                 Premises, on the sidewalks adjacent thereto, or elsewhere on
                 the exterior thereof; (4) that it will maintain the Premises at
                 its own expense in a clean, orderly and sanitary condition,
                 free of insects, rodents, vermin and other pests; (5) that it
                 will not permit undue accumulations of garbage, trash, rubbish
                 and other refuse, but will remove the same at its own expense,
                 and will keep such refuse in proper containers within the
                 interior of the Premises until called for to be removed; (6)
                 that it will not use, nor permit nor suffer the use of any
                 apparatus or instruments for musical or other sound
                 reproduction or transmission in such manner that the sounds
                 emanating therefrom or caused thereby shall be audible beyond
                 the interior of the demised premises; (7) that it will not
                 receive or ship articles, fixutres, or merchandise of any kind,
                 except from that portion of the Premises which Landlord
                 designates for such purposes; (8) that it will light the show
                 windows of the Premises and Tenant's exterior signs each and
                 every day during the term of this Lease to the extent which
                 Landlord shall require until 10 o'clock P.M.; and (9) that it
                 will conduct its business in the Premises in all respects in a
                 dignified manner and in accordance with high standards of store
                 operation.

                           (b) Tenant covenants and agrees not to make any
                 alterations, additions or improvements to the store front of
                 the Premises and not to make any structural alterations to the
                 Premises, or any part thereof, without Landlord's prior written
                 consent in each instance first had and obtained; and Tenant
                 agrees that any alterations, additions or improvements made by
                 it shall immediately become the property of Landlord and shall
                 remain upon the premises in the absence of any agreement to the
                 contrary;

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                 provided, however, that Landlord shall have the right to
                 require the restoration of the Premises to their original
                 condition, in which event Tenant agrees to comply with such
                 requirement prior to the expiration of other termination of
                 this Lease. Tenant further agrees that it will not cut or drill
                 into or secure any fixtures, apparatus or equipment of any kind
                 in or to any part of the Premises without first obtaining
                 Landlord's written consent.

                           (c) Tenant covenants and agrees not to place, or
                 suffer to be placed, or maintain, any sign, billboard, marquee,
                 awning, decoration, placard, lettering, advertising matter or
                 other thing of any kind, whether permanent or temporary, on the
                 exterior of the Premises or on the glass or any window or door
                 of the Premises, without first obtaining Landlord's written
                 approval thereof. Tenant further agrees to maintain any sign,
                 billboard, marquee, awning, decoration, placard, lettering or
                 advertising matter or other thing of any kind as may be
                 approved by Landlord in good condition and repair at all times.

                           (d) Tenant will install and maintain at all times,
                 subject to the other provisions of this subparagraph, displays
                 or merchandise in the show windows (if any) of the Premises.
                 Tenant covenants and agrees that all articles and the
                 arrangement, style, color and general appearance thereof in the
                 show windows and in the interior of the Premises, which shall
                 be visible from the exterior thereof, including, but not
                 limited to, window displays, advertising matter, signs,
                 merchandise, store fixtures, painting and decorations, shall be
                 maintained subject to the approval of Landlord.

                           (e) Tenant covenants and agrees to execute and comply
                 with all laws, rules, orders, directions and requirements of
                 all governmental departments, bodies, bureaus, agencies and
                 officers, and with all rules, directions, requirementions and
                 recommendations of the local board of fire underwriters and the
                 fire insurance rating organizations having jurisdiction over
                 the area in which the Premises are situated, in any way
                 pertaining to the Premises or the use and occupancy thereof. In
                 the event Tenant shall fail or neglect to comply with any of
                 the aforesaid laws, rules, orders, directions, requirements or
                 recommendations, Landlord or its agents may enter the Premises
                 and take all such action and do all such work in or to the
                 Premises as may be necessary in order to cause compliance with
                 such laws, rules, orders, directions, requirements or
                 recommendations, and and Tenant covenants and agrees to
                 reimburse Landlord promptly upon demand for the expense
                 incurred by Landlord in taking such action and performing such
                 work. Tenant further covenants and agrees not to do or suffer
                 to be done, or keep or suffer to be kept anything in, upon or
                 about the Premises which will contravene Landlord's policies
                 insuring against loss or damage by fire or other hazards,
                 including, but not limited to, public liability or which will
                 prevent Landlord from procuring such policies in companies
                 reasonably acceptable to Landlord; and if anything done,
                 omitted to be done or suffered to be done by Tenant, or

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                 kept, or suffered by Tenant to be kept, in, upon or about the
                 Premises shall cause the rate of fire or other insurance on the
                 Premises, or other property of Landlord, in companies
                 reasonably acceptable to Landlord, to be increased beyond the
                 minimum rate from time to time applicable to the Premises, or
                 any adjoining stores or to other property of Landlord for the
                 use or uses made thereof, Tenant will pay the amount of such
                 increase promptly upon Landlord's demand.

                           (f) Tenant covenants and agrees that if any
                 mechanics' or materialmen's lien or orther lien shall be filed
                 against the Premises, or any other part of the Shopping Center,
                 by reason of or arising out of any labor or material furnished
                 or alledged to have been furnished, to or for the Premises or
                 any occupant thereof, or for or by reason of any change,
                 alteration or addition made by Tenant thereto, Tenant shall in
                 any such events, cause the same to be cancelled and discharged
                 of record by bond or otherwise as allowed by law, at Tenant's
                 expense, within five days after the filing thereof; and Tenant
                 shall also defend on Landlord's behalf, at Tenant's sole cost
                 and expense, any action, suit or proceeding which may be
                 brought thereon or for the enforcement of any such lien, and
                 Tenant will pay any damages and satisfy and discharge any
                 judgment entered thereon and save Landlord harmless from any
                 claim or damage resulting therefrom. If at any time Tenant does
                 not comply with the covenants made in this subparagraph,
                 Landlord may, at its option, after giving Tenant three (3) days
                 prior written notice of its intention to do so, cause such lien
                 to be cancelled and discharged of record by bond or otherwise
                 as allowed by law, and Tenant shall pay all costs thereof,
                 including reasonable attorneys' fees, as additional rent,
                 payable with the next ensuing installment of minimum rent.

Roof and Walls        SECTION 11. Landlord shall have the exclusive right to use
                 all or any part of the roof and rear and side walls of the
                 Premises for any purpose (except to advertise the business of a
                 particular tenant or a particular product); to erect additional
                 stores or other structures over all or any part of the
                 Premises; and to erect and maintain in connection with the
                 construction thereof, temporary scaffolds and other aids to
                 construction on the exterior of the premises, provided that
                 access to the interior of the Premises shall not be denied and
                 that there shall be no encroachment upon the Premises.

Radius                SECTION 12. Tenant covenants and agrees that so long as
Restriction      this Lease shall remain in effect, Tenant will not within a
                 radius of two miles of the Premises, either either directly or
                 indirectly own, operate or be financially interested in, either
                 by itself or with others, a business like, or similar to, or
                 bearing the name of, the business permitted to be conducted
                 under this Lease.

Public                SECTION 13. (a) Tenant covenants and agrees to indemnify
Liability        Landlord and and save it harmless from and against any and all
                 claims, actions, damages, liablity and expenses in connection
                 with loss of life,

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                 personal injury or damage to property arising from or out of
                 Tenant's occupancy or use of the Premises or any part thereof,
                 or any other part of Landlord's property, or occasioned wholly
                 or in part by any act or omission of Tenant, its agents,
                 contractors or employees.

                           (b) Tenant will keep in force at its own expense
                 during the term of this Lease, public liability insurance with
                 respect to the Premises in companies acceptable to Landlord and
                 in a policy or policies, the form of which is or are
                 satisfactory to Landlord, covering both Landlord and Tenant,
                 with minimum limitations of Five Hundred Thousand Dollars
                 ($500,000) on account of bodily injury to or on death of more
                 than one person as the result of any one accident or disaster,
                 and property damage insurance with minimum limitations of
                 Twenty-Five Thousand Dollars ($25,000.00); Tenant will deposit
                 the policy or policies of such insurance or certificates
                 thereof with Landlord on or before the commencement of the term
                 of this Lease. If at any time Tenant does not comply with the
                 covenants made in this subparagraph, Landlord may, at its
                 option, cause insurance as aforesaid to be issued, and in such
                 event. Tenant agrees to pay the premiums for such insurance
                 promptly upon Landlord's demand.

Taxes                 SECTION 14  (a)  As used herein the following terms have
                 the following meanings:

                           (i) "Taxes" means all taxes, assessments (special or
                 otherwise), water or sewer service charges and other
                 governmental levies and charges of any and every kind, nature
                 and type whatsoever, ordinary and extraordinary, foreseen and
                 unforeseen, and substitutes therefore on the land and buildings
                 comprising the Shopping Center, including the levy, assessment
                 or imposition or any tax on real estate as such not now levied,
                 assessed or imposed.

Operating                  (ii) "Operating Costs" means all costs and expenses
Costs            of every kind and nature incurred in connection with the
                 management, operation, maintenance, repair, redecorating or
                 refurbishing of the Shopping Center, including but not limited
                 to, costs and expenses incurred by Landlord in gardening,
                 landscaping, storm drainage and other utility systems, fire
                 protection and security services, if any, traffic control
                 equipment, repairs, parking lot striping, lighting, sanitary
                 control, removal of snow, trash, rubbish, garbage and other
                 refuse, depreciation on or rentals of machinery and equipment
                 used in such maintenance, the cost of personnel, if any, to
                 implement such services, and fifteen (15%) percent of all of
                 the aforegoing costs to cover Landlord's administrative and
                 overhead costs.

Insurance             (iii) "Insurance" means the total premium cost of all
                 insurance carried by Landlord with respect to the shopping
                 center or any portion thereof, including but not limited to all
                 insurance insuring against loss

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                 or damage due to fire or other casualty or cause, including but
                 not limited to, those risks covered under so-called extended
                 coverage endorsements or difference in risk endorsements, as
                 well as loss of rent insurance following a fire or other
                 insurable casulty covered by such policy or policies and public
                 liability and property damage insurance.

                           (b) Tenant covenants and agrees to pay as additional
                 rent Two and Four Tenths (2.4%) percent of Taxes, Operating
                 Costs and Insurance (as hereinabove defined) throughout the
                 entire term of this lease and any renewal term hereof.

                           (c) Landlord shall notify Tenant from time to time of
                 the amount which Landlord estimates will be the amount payable
                 by Tenant in accordance with paragraph (b) hereof; and Tenant
                 shall pay such amount to Landlord in equal monthly installments
                 in advance on or before the first day of each month. Such
                 payments shall not be added to the minimum rental payable
                 hereunder by Tenant for purposes of computing Tenant's
                 liability, if any, for percentage rental under this Lease.
                 Within a reasonable period of time following the end of each
                 rental year, Landlord shall submit to Tenant a statement
                 showing the Operating Costs, Taxes, and Insurance to be paid by
                 Tenant with respect to such year, the amount thereof
                 theretofore paid by Tenant, and the amount of the resulting
                 balance due thereon, or overpayment thereof, as the case may
                 be. Each such statement shall be final and conclusive between
                 the parties hereto, their successors and assigns, as to the
                 matters therein set forth if no objection is raised with
                 respect thereto within ninety (90) days after submission of
                 each such statement.

                           (d) Notwithstanding the foregoing provisions of this
                 Section 14, Landlord may require Tenant to pay the sums
                 referred to in paragraph (b) hereof in lump sum payments or in
                 quarterly or semiannual payments, provided Landlord gives
                 Tenant written notice that it has elected that Tenant shall
                 make such payments in such manner rather than on a monthly
                 basis as provided above.

Trade Fixtures        SECTION 15. All trade fixtures installed by Tenant in the
                 Premises, other than improvements made by Tenant to the
                 Premises, shall remain the property of Tenant and shall be
                 removable from time to time and also at the expiration of the
                 term of this Lease or other termination thereof, provided
                 Tenant shall not at such time be in default under any covenant
                 or agreement contained in this Lease; otherwise such property
                 shall not be removable and Landlord shall have a lien on said
                 fixtures to secure itself against loss and damage resulting
                 from said default or defaults by Tenant.

Inspection of         SECTION 16. Tenant covenants and agrees to permit
Premises         Landlord, its agents, employees and contractors to enter the
                 Premises and all parts thereof at all reasonable times to
                 inspect the Premises and to enforce and carry out

                                       11

<PAGE>

                 any provision or provisions of this Lease.

Termination of        SECTION 17. (a) The parties hereto covenant and agree that
Term             this Lease and the tenancy hereby created shall cease and
                 determine at the end of the original term hereof without the
                 necessity of any notice from either Landlord or Tenant to
                 terminate the same, and Tenant hereby waives notice to remove
                 and agrees that Landlord shall be entitled to the benefit of
                 all provisions of law respecting the summary recovery of
                 possession of premises from a Tenant holding over to the same
                 extent as if statutory notice were given.

                           (b) Tenant covenants and agrees that for the period
                 of six months prior to the expiration of the term of this
                 Lease, Landlord shall have the right to display on the exterior
                 of the Premises the customary sign "For Rent" and that during
                 such period Landlord may show the Premises and all parts
                 thereof to prospective tenants between the hours of 9:00 A.M.
                 and 5:00 P.M. on any day except Sunday or any legal holiday on
                 which Tenant shall not be open for business.

Fire or Other         SECTION 18. If the Premises shall be damaged by fire, the
Casualty         elements, unavoidable accident or other casualty, but are not
                 thereby rendered untenantable in whole or in part, Landlord
                 shall promptly at its own expense cause such damage to be
                 repaired, and the rent shall not be abated; if by reason of
                 such occurrence, the Premises shall be rendered untenantable
                 only in part, Landlord shall promptly at its own expense cause
                 the damage to be repaired, and the minimum rent meanwhile shall
                 be abated proportionately to the portion of the Premises
                 rendered untenantable; if by reason of such occurrence the
                 Premises shall be renderd wholly untenantable: Landlord shall
                 promptly at its own expense cause such damage to be repaired,
                 and the minimum annual rent meanwhile shall be abated in whole,
                 unless within sixty days after said occurrence, Landlord shall
                 give Tenant written notice that it has elected not to
                 reconstruct the destroyed Premises, in which event this Lease
                 and the tenancy hereby created shall cease as of the date of
                 said occurrence, the minimum rental and the percentage rental
                 (if any) to be adjusted as of such date.

Eminent Domain        SECTION 19. If the whole or any part of the Premises shall
                 be taken under the power of eminent domain, then this Lease
                 shall terminate as to the part so taken on the day when Tenant
                 is required to yield possession thereof, and Landlord shall
                 make such repairs and alterations as may be necessary in order
                 to restore the part not taken to useful condition; pending the
                 restoration by Landlord of the portion of the Premises so
                 taken, the minimum rental shall be reduced proportionately to
                 the portion of the Premises so taken. If the amount of the
                 Premises so taken is such as to substantially impair the
                 usefulness of said Premises for the purposes of which the same
                 are hereby leased, then either party shall have the option to
                 terminate this Lease as of the

                                       12

<PAGE>

                 date when Tenant is required to yield possession. The
                 compensation awarded for such taking, both as to Landlord's
                 reversionary interest and Tenant's interest under this Lease,
                 shall belong to and be the property of the Landlord; provided,
                 however, that the Landlord shall not be entitled to any portion
                 of the award made to Tenant for loss of Tenant's business or
                 for the cost of removal of its stock and Tenant's fixtures.

Additional            SECTION 20. Whenever under the terms of this Lease any sum
Rent             of money is required to be paid by Tenant in addition to the
                 rental herein reserved, whether such payment is to be made to
                 Landlord or to any other party, and such additional amount
                 which Tenant is to pay is not designated as "addtitional rent,"
                 or provision is not made for the collection of said amount as
                 "additional rent", then said amount shall nevertheless, at
                 Landlord's option, if not paid when due, be deemed "additional
                 rent", and shall be collectible as such with the first
                 insallment of minimum rent thereafter falling due hereunder.

Bankruptcy or         SECTION 21. If any sale of Tenant's interest in the
Insolvency       Premises shall be made under execution, or similar legal
                 process, or if Tenant shall be adjudicated a bankrupt or
                 insolvent, and such adjudication is not vacated within 10 days,
                 or if a corporate reorganization of Tenant or an arrangement
                 with its creditors shall be approved by a court under the
                 Federal Bankruptcy Act, or if Tenant shall make an assignment
                 for the benefit of creditors, or in any other manner, Tenant's
                 interest under this Lease shall pass to another by operation of
                 law, then and in any of said events, Landlord may, at its
                 option, reenter the Premises and declare this Lease and the
                 tenancy hereby created terminated.

Defaults and          SECTION 22. (a) If the rent agreed to be paid, including
Remedies         all other sums of money which under the provisions hereof may
                 be considered as additional rent, shall be in arrears in whole
                 or in part for five or more days, Landlord may distrain
                 therefor. If Tenant shall violate any covenant, including the
                 covenant to pay rent, made by it in this Lease and shall fail
                 to comply with said covenant within 15 days after being sent
                 written notice of such violation by Landlord, Landlord may, at
                 its option, reenter the premises and declare this Lease and the
                 tenancy hereby created terminated; and Landlord shall be
                 entitled to the benefit of all provisions of law respecting the
                 speedy recovery of lands and tenements held over by tenants or
                 proceedings in forcible entry and detainer. Tenant further
                 agrees, that notwithstanding such reentry, Tenant shall remain
                 liable for any rent or damages which may be due or sustained
                 prior thereto, and Tenant shall further be liable, at the
                 option of Landlord, for sums of money as liquidated damages for
                 the breach of any covenant to be calculated in one of the
                 following two methods which may be designated by Landlord in or
                 after said notice of termination: (i) Tenant shall pay to
                 Landlord the difference between the rent reserved under this
                 Lease for the balance of the term and the fair rental value of
                 the Premises for the

                                       13

<PAGE>

                 balance of the term to be determined as of the date of reentry;
                 or (ii) Tenant shall pay the amount of the rent reserved under
                 this Lease at the times herein stipulated for payment of rent
                 for the balance of the term, less any amount received by
                 Landlord during such period from others to whom the Premises
                 may be rented on such terms and conditions and at such rentals
                 as Landlord, in its sole discretion, shall deem proper.

                           (b) In the event Tenant fails to pay Landlord any
                 minimum or percentage rental payment due hereunder within ten
                 days from the date on which any such payment was due, Landlord
                 may at its option charge Tenant a late charge equal to 15% of
                 the rental payment in question, which late charge shall be
                 collectible as additional rent and shall be payable by Tenant
                 to Landlord within 10 days after written notice from Landlord
                 to Tenant assessing the same.

Remedies              SECTION 23. No mention in this Lease of any specific right
Cumulative       or remedy shall preclude Landlord from exercising any other
                 right or from having any other remedy or from maintaining any
                 action to which it may otherwise be entitled either at law or
                 in equity; and the failure of Landlord to insist in any one or
                 more instances upon a strict performance of any covenant of
                 Tenant under this Lease or to exercise any option or right
                 herein contained shall not be construed as a waiver or
                 relinquishment for the future of such covenant, right or
                 option, but the same shall remain in full force and effect
                 unless the contrary is expressly waived in writing by Landlord.

Injury From           SECTION 24. Landlord shall not be liable for any injury or
Leakage, Etc.    damage to persons or property resulting from falling plaster,
                 steam, gas, electricity, water, rain or snow which may leak or
                 issue from any part of the Premises or from pipes, appliances
                 or plumbing, or from sewers or the street or subsurface, or
                 from any other place, by dampness or other cause of whatsoever
                 nature.

Recording             SECTION 25. In the event Landlord elects to record this
                 Lease or a Memorandum of this Lease, Tenant agrees to execute
                 said Memorandum of Lease, if Landlord so requests, and to pay
                 Landlord one-half the cost of all recording charges, including
                 revenue stamps and any transfer tax assessed at the time this
                 Lease or such Memorandum is recorded.

Taxes on              SECTION 26. Tenant shall be responsible for and shall pay
Leasehold        any taxes or assessments levied or assessed during the term of
                 this Lease against any leasehold interest of Tenant or personal
                 property or trade fixtures of Tenant of any kind, owned by
                 Tenant or placed in, upon or about the Premises by Tenant.

Successors And        SECTION 27. Except as herein provided, this Lease and the
Assigns          covenants and conditions herein contained shall inure to the
                 benefit of and be binding

                                       14

<PAGE>

                 upon Landlord, its successors and assigns, and shall be binding
                 upon Tenant, its successors and assigns, and shall inure to the
                 benefit of Tenant and only such assignees of Tenant to whom an
                 assignment by Tenant has been consented to in writing by
                 Landlord. In the event more than one person, firm or
                 corporation is named herein as Tenant, the liablity of all
                 parties named herein as Tenant shall be joint and several.

                      In the event Landlord's interest under this Lease is
                 transferred or assigned and written notice thereof is given to
                 Tenant, the Landlord herein named (or any subsequent assignee
                 or transferee of Landlord's interest under this Lease who gives
                 such notice to Tenant) shall automatically be relieved and
                 released from and after the date of such transfer or conveyance
                 from all liability hereunder except with respect to liability
                 to refund or return to Tenant any security deposit deposited by
                 Tenant with Landlord hereunder. Further, the liability of
                 Landlord, its successors and assigns, under this Lease shall at
                 all times be limited solely to Landlord's interset in the land
                 and improvements comprising the Shopping Center and in the
                 event the owner of Landlord's interest in this Lease is at any
                 time a partnership, joint venture or unincorporated
                 association, Tenant agrees that the members or partners of such
                 partnership, joint venture or unincorporated association shall
                 not be personally or individually liable or responsible for the
                 performance of any of Landlord's obligations hereunder.

Entire                SECTION 28. This Lease contains the entire agreement
Agreement        between the parteis hereto; and any agreement hereafter or
                 heretofore made shall not operate to change, modify, terminate
                 or discharge this Lease in whole or in part unless such
                 agreement is in writing and signed by each of the parties
                 hereto. Landlord has made no representations or promises with
                 respect to the Premises except as are herein expressly set
                 forth.

Security              Section 29. [deleted]
Deposit

Notices               Section 30. All notices from Tenant to Landlord, including
                 the payment of rent and other charges, required or permitted by
                 any provision in this Lease, shall be hand delivered or sent by
                 registered or certified mail, return reciept requested, to
                 Landlord at: 1100 Blaustein Bldg., Baltimore, MD 21201

                      All notices from Landlord to Tenant so required or
                 permitted shall be hand delivered or sent by registered or
                 certified mail, return receipt requested, to Tenant at the
                 demised premises.

                      Either party may, at any time, or from time to time,
                 designate in writing a substitute address for that above set
                 forth, and thereafter all notices to such party shall be sent
                 in accordance with the above.

                                       15

<PAGE>

Captions              Section 31. The captions in the margins of this Lease are
                 for convenience only and are not a part of this Lease.

                      Section 32. Renewal Option

                      Section 33. Commencement Date Agreement

                      Section 34. Sign Regulations

                      Exhibit A - Site Plan

                      Exhibit B - Specifications

                      Exhibit C - Floor Plan

                                       16

<PAGE>

     IN WINTNESS WHEREOF, the parties hereto have executed this Lease under
their respective seals the day and year first above written.

WITNESS:                           CHESTERFIELD PLAZA JOINT VENTURE

/s/ Catherine H. Smith             By: /s/ Robert R. Neilson             (Seal)
-----------------------               -----------------------------------
                                                                 Landlord

                                                                         (Seal)
-----------------------            --------------------------------------

                                   CHESAPEAKE FEDERAL SAVINGS & LOAN ASSOCIATION

/s/ Catherine H. Smith             By: /s/ Howard Burton                 (Seal)
-----------------------               -----------------------------------
                                                                 Tenant

STATE OF MARYLAND, CITY OF BALTIMORE, to wit:

     I HEREBY CERTIFY that on this 22nd day of September, 1987, before me, the
undersigned, a Notary Public of the State and City aforesaid, personally
appeared Robert R. Neilson the above named landloard, and the acknowledged that
he executed the foregoing Lease on behalf of said Joint Venture, being
authorized so to do, for the purpose therin contained.

     As Witness my Hand and Notarial Seal.

                                   /s/ Catherine H. Smith
                                   --------------------------------------
                                                Notary Public

My Commission Expires:
7-1-90

STATE OF MARYLAND COUNTY OF BALTIMORE, to wit:

     I HEREBY CERTIFY that on this 22nd day of September, 1987, before me, the
undersigned, a Notary Public of the State and County aforesaid, personally
appeared ILLEGIBLE the above named Tenant, and he acknowledged that he executed
the foregoing Lease on behalf of said Association, being authorized so to do,
for the purposes therein contained.

     As Witness my Hand and Notarial Seal.

                                   /s/ Catherine H. Smith
                                   --------------------------------------
                                                Notary Public

My Commission Expires:
7-1-90

                                       17

<PAGE>

                                   SECTION 32

                    RIDER TO LEASE DATED September 22nd, 1987

             BETWEEN CHESTERFIELD PLAZA JOINT VENTURE, LANDLORD, AND

                 CHESAPEAKE FEDERAL SAVINGS AND LOAN ASSOCIATION

     The following new Section is hereby added to the Lease:

     32. Renewal Options. If Tenant is not then in default under this Lease or
any of the provisions hereof, Tenant may extend the term of this Lease for two
(2) additional successive periods of five (5) years each, by notifying the
Landlord in writing of its intention to do so at least one hundred eighty (180)
days prior to the expiration of the then current term. Each such renewal term
shall be under the same terms and conditions as are herein set forth except that
the annual rental for each succeeding renewal term shall be adjusted as follows:

     During the first year of the first option period, the minimum rental shall
be Twenty Four Thousand One Hundred Twenty One Dollars and Seventy One Cents
($24,121.71) payable in equal monthly installments of Two Thousand Ten Dollars
and Fourteen Cents ($2,010.14), the minimum rental for the second year of the
first option period shall be Twenty Five Thousand Three Hundred Twenty Seven
Dollars and Seventy Nine Cents ($25,327.79) payable in equal monthly
installments of Two Thousand One Hundred Ten Dollars and Sixty Five Cents
($2,110.65), the minimum rental for the third year of the first option period
shall be Twenty Six Thousand Five Hundred Ninety Four Dollars and Eighteen Cents
($26,594.18) payable in equal monthly installments of Two Thousand Two Hundred
Sixteen Dollars and Eighteen Cents ($2,216.18), the minimum rental for the
fourth year of the first option period shall be Twenty Seven Thousand Nine
Hundred Twenty Three Dollars and Eighty Nine Cents ($27,923.89) payable in equal
monthly installments of Two Thousand Three Hundred Twenty Six Dollars and

                                       18

<PAGE>

Ninety Nine Cents ($2,326.99), the minimum rental for the fifth year of the
option period shall be Twenty Nine Thousand Three Hundred Twenty Dollars and
Eight Cents ($29,320.08) payable in equal monthly installments of Two Thousand
Four Hundred Forty Three Dollars and Thirty Four Cents ($2,443.34); and,
provided, Tenant has exercised its option for the first five (5) year option
period, the minimum rental for the first year of the second option period shall
be Thirty Thousand Seven Hundred Eighty Six Dollars and Eight Cents ($30,786.08)
payable in equal monthly installments of Two Thousand Five Hundred Sixty Five
Dollars and Fifty One Cents ($2,565.51), the minimum rental for the second year
of the second option period shall be Thirty Two Thousand Three Hundred Twenty
Five Dollars and Thirty Eight Cents ($32,325.38) payable in equal monthly
installments of Two Thousand Six Hundred Ninety Three Dollars and Seventy Eight
Cents ($2,693.78), the minimum rental for the third year of the second option
period shall be Thirty Three Thousand Nine Hundred Forty One Dollars and Sixty
Five Cents ($33,941.65) payable in equal monthly installments of Two Thousand
Eight Hundred Twenty Eight Dollars and Forty Seven Cents ($2,828.47), the
minimum rental for the fourth year of the second option period shall be Thirty
Five Thousand Six Hundred Thirty Eight Dollars and Seventy Three Cents
($35,638.73) payable in equal monthly installments of Two Thousand Nine Hundred
Sixty Nine Dollars and Eighty Nine Cents ($2,969.89), the minimum rental for the
fifth year of the second option period shall be Thirty Seven Thousand Four
Hundred Twenty Dollars and Sixty Seven Cents ($37,420.67) payable in equal
monthly installments of Three Thousand One Hundred Eighteen Dollars and Thirty
Nine Cents ($3,118.39).

     There shall be no additional right to renew or extend this Lease except as
provided herein.

     The provisions of the foregoing Rider are hereby approved and accepted.

                                       19

<PAGE>

WITNESS                            CHESTERFIELD PLAZA JOINT VENTURE

/s/ Catherine H. Smith             By: /s/ Robert R. Neilson             (SEAL)
-----------------------                ----------------------------------

                                   CHESAPEAKE FEDERAL SAVINGS & LOAN ASSOCIATION

/s/ Catherine H. Smith             By: /s/ Howard Burton                 (SEAL)
-----------------------                ----------------------------------

                                       20

<PAGE>

                                   SECTION 33

     THIS AGREEMENT made and entered into this                 day of
                                               ---------------
                 , 198  , by and between
-----------------     --                 ---------------------------------------
(herein called "Landlord") and
                                ------------------------------------------------
(hereinafter called "Tenant").

     WHEREAS, Landlord and Tenant entered into a Lease ("Lease") dated
                  , 198   pursuant to which Landlord demised and leased to
------------------     --
Tenant, and the latter rented from the former certain premises within the
                            Shopping Center located on
---------------------------                            -------------------------
, as more particularly described

in the Lease and a plat attached thereto as Schedule A;

     AND WHEREAS, pursuant to the provisions of the Lease, the parties agreed to
execute an Agreement in recordable form setting forth the exact commencement and
termination dates of the Lease term when said dates were ascertained.

     NOW, THEREFORE, THIS AGREEMETN WITNESSETH, that pursuant to the provisions
of the Lease relating to the commencement of the Lease term, Landlord and
Tenant, for themselves, their heirs, successors and assigns, intending to be
legally bound hereby agree and stipulate as follows:

     1. The Lease term commenced on the         day of             , 198  , and
                                        -------        ------------     --
the Lease term will terminate (unless sooner terminated or extended as in said
Lease provided) on the            day of                    , 19  .
                       ----------        -------------------    --

     2. This Agreement is solely intended to constitute a confirmation by the
parties hereto of the commencement and termination dates of the Lease term as
provided in the Lease,

                                       21

<PAGE>

and is not intended to amend or otherwise modify the Lease except as herein
expressly set forth.

The parties hereto acknowledge that the Lease is in full force and effect.

     IN WITNESS WHEREOF, the parties hereto have duly executed this Agreement
for the purpose set forth above.

WITNESS:                          CHESTERFIELD PLAZA JOINT VENTURE

-----------------------           By:                               (SEAL)
                                     -------------------------------
                                               Landlord

                                                                    (SEAL)
-----------------------           ----------------------------------
                                  CHEASAPEAKE FEDERAL SAVINGS & LOAN ASSOCIATION

                                   /s/ Howard Burton         (SEAL)
-----------------------           ----------------------------------
                                               Tenant

STATE OF MARYLAND, COUNTY OF                       , to-wit:
                             ----------------------

     I HEREBY CERTIFY that on this               day of                        ,
                                   -------------        -----------------------
198  , personally appeared before me, the undersigned a Notary Public in and for
   --
the State and County aforesaid,                                        who
                                --------------------------------------
acknowledged himself to be                                               , the
                           ----------------------------------------------
Landlord named in the aforesaid Lease, and he further acknowledged that he
executed the within instrument on behalf of said Landlord for the purposes
therein contained.

     IN WITNESS WHEREOF I hereunto set my hand and Notorial Seal.

                                           -------------------------------------
                                                       Notary Public

My Commission expires:

--------------------------------------

STATE OF MARYLAND COUNTY OF                    , to-wit;
                            ------------------

     I HEREBY CERTIFY that on this              day of                       ,
                                   ------------        ----------------------
199  , personally appeared before me, the undersigned, a Notary Public of the
   --
State and County aforesaid,                                       the Tenant
                            -------------------------------------
named in the aforesaid Lease and he acknowledged on behalf of said
                                        that he executed the within instrument
---------------------------------------
for the puproses therein contained.

     IN WITNESS WHEREOF I hereunto set my hand and Notarial Seal.

                                           -------------------------------------
                                                       Notary Public

My Commission expires:

--------------------------------------

                                       22

<PAGE>

                                   SECTION 34

                             CANOPY SIGN REGULATIONS

                               CHESTERFIELD PLAZA

1.   It is the Landlord's intent to achieve suitable identification for the
     Tenant consistent with the overall design concept of the center, therefore
     each Tenant shall be permitted to install one (1) sign conforming to the
     attached guidelines.

2.   All designs shall be submitted to the Landlord for approval. Submit three
     (3) copies/two (2) will be returned with approval and/or comments.

3.   Each sign shall be comprised of illuminated letters and/or logo (maximum
     height 18") within the area outlined on the elevation and mounted on a rail
     as shown on the section.

4.   Logo or trade marks shall be permitted provided the logo or trade mark
     shall be that of the Tenant occupying the store. Brand names advertising
     national suppliers will not be permitted.

5.   All signs must bear a "UL Label" and an Anne Arundel County permit for both
     structural and electrical regulations.

6.   All designs shall specify the color, size, materials, including attachments
     and transformer locations.

7.   Landlord shall provide a feeder for each sign. Tenant shall provide a
     disconnect exterior switch and shall be responsible for connection of sign.
     Tenant shall assume total cost of sign and it shall be the property of
     Tenant.

8.   Any additional signs desired by Tenant on the face of the store or in/on
     the windows or doors must be approved in writing by the Landlord.

9.   All signs must be lighted until 10:00 p.m. Signs will be turned on in the
     evening not later than: (1) Daylight savings time - 6:30 p.m., (2) Standard
     time - 5:00 p.m., it being the intent hereto to have all signs illuminated
     before dusk.

ACCEPTED BY:

CHESTERFIELD PLAZA JOINT VENTURE

By: /s/ Robert R. Neilson (Landloard)
    ----------------------

CHESAPEAKE FEDERAL SAVINGS & LOAN ASSOCIATION

By: /s/ Howard Burton     (Tenant)
    ----------------------

                                       23

<PAGE>

                                   [GRAPHIC]

                                       24

<PAGE>

                                   [GRAPHIC]

                                       25<PAGE>

                                EXHIBIT 10.14(b)

                         ASSIGNMENT OF RENTS AND LEASES

     This Assignment made this 28th day of June, 1988 (together with all
amendments and supplements hereto, hereinafter called this "Assignment"), by
CHESTERFIELD PLAZA JOINT VENTURE, a Maryland general partnership (hereinafter
called the "Assignor") to American United Life Insurance Company, an Indiana
corporation, having its principal offices at Indianapolis, Indiana and an
address at Post Office Box 368, Indianapolis, Indiana 46206 (hereinafter called
the "Assignee"), WITNESSETH, that:

     FOR VALUE RECEIVED, the Assignor hereby conveys, assigns, transfers and
sets over to the Assignee all right, title and interest of the Assignor in and
to certain Leases described on Exhibit B hereto, leasing real estate and
improvements lying and being in the County of Anne Arundel, State of Maryland,
more particularly described follows, to-wit: Being the Chesterfield Plaza
Shopping Center described on Exhibit A attached hereto and hereby made a part
hereof:

(hereinafter called the "Premises"); together with all rents, income and other
sums payable thereunder or otherwise for the use and occupation of the Premises
and without limitation, all options, amendments, extensions or renewals thereof
and guarantees of lessee's obligations under the Lease.

     This Assignment is given as security for (a) payment of all sums due under
a certain promissory note and all amendments, extensions or renewals thereof, in
the principal sum of $3,800,000.00 made by the Assignor to the Assignee,
(hereinafter called the "Note") and secured by a Deed of Trust dated August 19,
1986, as amended by a Consolidation, Modification and Extension Agreement of
even date herewith on the Premises (hereinafter called the "Mortgage"); (b)
payment of all other sums with interest becoming due and payable to the Assignee
under the provisions of this Assignment or the Note or the Mortgage; and (c)
performance and discharge of each obligation, covenant and agreement of the
Assignor contained herein or in the Note and the Mortgage. Acceptance of this
Assignment shal1 not impair, affect or modify any of the terms or conditions of
the Note or the Mortgage.

     The Assignor covenants and agrees with the Assignee as follows:

     1.   The Assignor will:

          (a)  fulfill and perform each and every obligation, condition and
               covenant of the Lease by lessor to be fulfilled and performed;

          (b)  give prompt notice to the Assignee of any notice of default in
               the Lease received by the Assignor, together with a complete copy
               of any such notice;

<PAGE>

          (c)  at the sole cost and expense of the Assignor, enforce, short of
               termination of the Lease, the performance or observance of each
               and every covenant and condition of the Lease and of any
               guarantee of lessee's obligations thereunder by the lessee or
               guarantor to be performed or observed; and

          (d)  from time to time, execute any and all instruments requested by
               the Assignee to carry this Assignment into effect or to

*Whenever used herein, "Lease" shall refer to all Leases listed on Exhibit B and
all amendments thereto.

               accomplish any other purposes deemed by the Assignee to be
               necessary or appropriate in connection with this Assignment or
               the Premises, including, without limitation, specific assignments
               of the Lease and any guarantee thereof or any agreement relating
               to use or occupancy of the Premises or any part thereof now or
               hereafter in effect.

     2.   The Assignor will not, without first securing the written consent of
          the Assignee:

          (a)  reduce rents and otherwise modify or in any way alter the terms
               of the Lease or of any guarantee of lessee's obligations
               thereunder;

          (b)  cancel or terminate the term of the Lease or accept a surrender
               thereof or permit to be done anything to impair the security
               thereof or of any guarantee of lessee's obligations thereunder;

          (c)  waive or release the lessee in the Lease or any guarantor thereof
               from any obligation or condition by the lessee or guarantor to be
               performed;

          (d)  exercise options or give consent to assignment or subletting or
               other requests of lessee under terms of the Lease;

          (e)  execute any other assignment of lessor's interest in the Lease or
               any guarantee of lessee's obligations thereunder or assignment of
               rents arising or accruing from the Lease or from the Premises; or

          (f)  enter into any settlements for breach of obligations by lessee or
               any guarantor under the Lease.

     3.   The rights assigned hereunder include, without limitation, all the
          rights and powers of the Assignor to exercise options under the Lease
          or give consents thereunder, or to reduce rents or otherwise modify or
          alter the Lease or any guarantee thereof, or to cancel or terminate
          the term of the Lease or accept a surrender thereof, or to accept or
          reject an offer or option to purchase made by lessee under terms of
          the Lease, if any, or to waive, or release the lessee from, the
          performance or observance by lessee of any obligation or condition of
          the Lease

                                        2

<PAGE>

          or any guarantee thereof, or to collect rents and other sums payable
          by lessee under the Lease, and to sue lessee or any guarantor of
          lessee's obligations for all such unpaid rents and other sums or to
          collect sums payable by lessee as the purchase price for the Premises
          under terms of the Lease, or to enter into any settlements with leasee
          or any guarantor for breach of obligations in the Lease by lessee. And
          the Assignor hereby irrevocably appoints the Assignee his
          attorney-in-fact to indorse all checks, money orders or other paper
          evidencing rents under the Lease herein assigned, on which the
          Assignor appears as a payee thereof.

     4.   At the sole cost and expense of the Assignor, the Assignor will appear
          in and defend any action growing out of or in any manner connected
          with the Lease or the obligations or liabilities of the lessor, the
          lessee, or any guarantor thereunder.

     5.   Should the Assignor fail to do any act as herein provided, then the
          Assignee, but without obligation so to do and without notice to or
          demand on the Assignor and without releasing the Assignor from any
          obligation herein, may make or do the same, including specifically,
          without limiting its general powers, appearing in and defending any
          action purporting to affect the security hereof or the rights or
          powers of the Assignee and performing any obligation of the lessor in
          the Lease contained, and in exercising any such powers paying
          necessary costs and expenses, employing counsel and incurring and
          paying reasonable attorney's fees; and the Assignor will pay
          immediately upon demand all sums expended by the Assignee under the
          authority hereof, together with interest from date of any such
          expenditure at the rate of e1even percent (11%) per annum (or at such
          lesser rate of interest as may be the maximum not prohibited by
          applicable law), and the same shall be so much additional indebtedness
          secured hereby and by the Mortgage.

     6.   This Assignment is effective immediately but Assignor shall have the
          privilege of collecting rents until the existence of a default or
          event of default in the Note or the Mortgage. As such, the Assignor
          hereby directs the tenants named in the Leases to pay all rentals and
          other sums that may hereafter become due in respect of the Lease to
          the Assignee, or to such of the representatives of the Assignee as it
          shall designate by written request to the lessee, commencing with
          rental next due and payable and continuing until the Mortgage
          indebtedness is paid in full or until the Assignee shall have notified
          the lessee, in writing, to discontinue such payments. All rentals
          shall be held without allowance of interest, and shall be applied to
          the following purposes, but not necessarily in the order named,
          priority and application of such funds being within the sole
          discretion of the Assignee:

          (a)  to the payment of installments of principal and interest on the
               Note as and when the same become due and payable;

          (b)  to the payment of all other sums due the Assignee or otherwise
               payable by the Assignor under the Note and the Mortgage or under
               the provisions of this Assignment; and

                                        3

<PAGE>

          (c)  any amounts not applied as above provided will be refunded by
               Assignee to the Assignor, provided no default then exists in any
               term or condition of the Note or the Mortgage or this Assignment.

          The Assignor shall have no right or claim of any nature against the
          lessee in the Lease for any rents or other sums so paid by lessee to
          the Assignee or to the representatives of the Assignee under this
          Assignment.

     7.   Upon or at any time after default in the payment of any indebtedness
          evidenced by the Note or secured hereby or by the Mortgage, or in the
          performance of any term, provision, condition, obligation, covenant or
          agreement herein or in the Note or the Mortgage contained, and the
          expiration of the period of grace, if any, with respect to any such
          default as provided for in the Note or the Mortgage, the Assignee may,
          at its option, without notice, either in person or by agent, with or
          without bringing any action or proceeding, or by a receiver to be
          appointed by a court, enter upon, take possession of, and manage and
          operate the Premises and each and every part and parcel thereof; and
          in connection therewith, the Assignee may make, cancel, enforce or
          modify the Lease or any guarantee thereof, fix or modify rents,
          repair, maintain and improve the Premises, employ contractors,
          subcontractars and workmen in and about the Premises, obtain and evict
          tenants, in its own name, sue for or otherwise continue to collect or
          reserve any and all rents, issues and profits, including those past
          due and unpaid, employ leasing agents, managing agents, attorneys and
          accountants in connection with the enforcement of the rights of the
          Assignee hereunder and pay the reasonable fees and expenses thereof,
          and otherwise do and perform any and all acts and things which the
          Assignee may deem necessary or appropriate in and about the Premises
          or the protection thereafter or the enforcement of the rights of the
          Assignee hereunder or under the Note or the Mortgage; and any and all
          amounts expended by the Assignee in connection with the foregoing
          together with interest thereon from date of payment of any such
          expense at the rate of eleven percent (11%) per annum (or at such
          lesser rate of interest as may be the maximum not prohibited by
          applicable law), shall constitute so much additional indebtedness
          secured hereby and by the Mortgage. The Assignee shall apply any
          movies collected by the Assignee, as aforesaid, less costs and
          expenses incurred, as aforesaid, upon any indebtedness secured hereby
          in such order and manner as the Assignee may determine. The entering
          upon and taking possession of the Premises, the collection of rents,
          issues and profits, the exercise of any of the rights hereinabove
          specified and the application of collections, as aforesaid, shall not
          cure, waive, modify or affect any default or notice of default
          hereunder or under the Note or the Mortgage.

     8.   The Assignee shall not be liable for failure to collect rents or other
          sums assigned hereunder or to enforce performance by lessee or any
          guarantor under the Lease or for any act or omission of the Assignee
          in managing the Premises after default unless such loss is caused by
          the willful misconduct and bad faith of the Assignee.

                                        4

<PAGE>

          Nor shall the Assignee be obligated to perform or discharge, nor does
          the Assignee undertake to perform or discharge, any obligation, duty
          or liability under the Lease or any guarantee thereof or under or by
          reason of this Assignment. The Assignor hereby agrees to indemnify the
          Assignee against and hold it harmless from any and all liability, loss
          or damage which it may incur under the Lease or any guarantee thereof,
          or under or by reason of this Assignment and of and from any and all
          claims and demands whatsoever which may be asserted against it by
          reason of any alleged obligation or undertaking on its part to perform
          or discharge any of the terms of the Lease or any such guaranty.
          Should the Assignee incur any such liability, loss or damage under the
          Lease or any guarantee thereof or any guarantee thereof, or under or
          by reason of this Assignment, or in defense against any such claims or
          demands, the amount thereof, including costs, expenses and reasonable
          attorneys' fees, together with interest thereon from date of any such
          payment at the rate of eleven percent (11%) per annum (or at such
          lesser rate of interest as may be the maximum not prohibited by
          applicable law), shall be secured hereby and by the Mortgage, and the
          Assignor shall reimburse the Assignee therefor immediately upon
          demand. And it is further understood that this Assignment shall not
          operate to place responsibility for the control, care, management, or
          repair of said Premises upon the Assignee, nor for the carrying out of
          any of the terms and conditions of the Lease or any guarantee thereof;
          nor shall it operate to make the Assignee responsible or liable for
          any waste committed on the Premises by any lessee or any other party
          or for any dangerous or defective condition of the Premises, nor for
          any negligence (other than willful negligence of the Assignee) in the
          management, upkeep, repair, or control of the Premises resulting in
          loss or injury or death to any lessee, licensee, employee, or
          stranger,

     9.   The Assignor represents and warrants that: (a) the Assignor has not
          executed any prior assignment of any of its rights under the Lease or
          any guarantee thereof; (b) the Lease and any guarantee of lessee's
          obligations thereunder are valid and enforceable and the Assignor has
          not done anything which might prevent the Assignee from or limit the
          Assignee in operating under any of the provisions of this Assignment;
          (c) rent under the Lease has not been collected in advance of the time
          when the same became due under terms of the Lease; (d) there is no
          present default by the lessee or lessor under the Lease or by any
          guarantor thereof; (e) the Assignor is the sole owner of the entire
          lessor's interest in the Lease and the guaranty, if any; and (f) the
          Lease and any guarantee thereof are in full force and effect and have
          not been altered, amended or modified except such amendments as may be
          set out in the Mortgage.

     10.  The Assignee may take or release other security for the payment of the
          indebtedness hereby secured; may release any party primarily or
          secondarily liable therefor; and may apply any other security held by
          it to the satisfaction of such indebtedness without prejudice to any
          of its rights under this Assignment.

                                        5

<PAGE>

     11.  Nothing contained in this Assignment and no act done or omitted by the
          Assignee pursuant to the powers and rights granted it hereunder shall
          be deemed to be a waiver by the Assignee of its rights and remedies
          hereunder or under the Note and the Mortgage, and this Assignment is
          made and accepted without prejudice to any of the rights and remedies
          possessed by the Assignee under the terms of the Note and the
          Mortgage. The right of the Assignee to collect said indebtedness
          hereby secured and to enforce any other security therefor held by it
          may be exercised by the Assignee either prior to, simultaneously with,
          or subsequent to any action taken by it hereunder.

     12.  In case of any conflict between the terms of this Assignment and the
          terms of the Mortgage, the terms of the Mortgage shall prevail.

     13.  This Assignment embodies the entire agreement and understanding
          between the parties relating to the subject matter hereof and may not
          be amended or waived except by an instrument in writing executed by
          the party against whom enforcement of such amendment or waiver is
          sought. If any clauses or provisions herein contained would invalidate
          this Assignment in whole or in part, such clauses or provisions only
          shall be invalid, and the remainder of this Assignment will remain in
          full force and effect.

     14.  All notices or demands which are required or permitted to be given or
          served hereunder shall be in writing and sent by certified or
          registered or first class mail at the address first above set out or
          to such other address as any party hereto shall designate to the other
          in writing.

     15.  The term "Lease" as used herein means the Lease heretofore defined and
          hereby assigned and any amendment, extension or renewal thereof now or
          hereafter executed and, at the option of the Assignee, any written or
          oral lease subsequently executed during the term of this Assignment
          covering the Premises or any part thereof.

     16.  This Assignment, together with the covenants and warranties herein
          contained, shall inure to the benefit of the Assignee and any
          subsequent holder of the Note and the Mortgage and shall be binding
          upon the Assignor, his heirs, executors, administrators, successors,
          and assigns and any subsequent owner of the Premises. If more than one
          person or entity has executed this Assignment as the Assignor, the
          term "Assignor" shall include all such persons and the obligations of
          all such persons shall be joint and several. In this Assignment,
          whenever the context so requires, the masculine, feminine or neuter
          genders shall include the other genders and the singular number
          includes the plural and the plural the singular.

     17.  This Assignment may be executed in any number of counterparts, each of
          which shall be an original but all of which shall constitute one
          instrument.

                                        6

<PAGE>

     18.  The Assignor shall not be personally liable for payment of the Note
          and other indebtedness herein and in the Mortgage secured nor for
          performance of obligations hereunder and the Assignee agrees to look
          solely to the Premises and other security herein for the repayment of
          such indebtedness. Nothing in this clause shall be construed in any
          way as limiting the obligations of the Assignor as lessor under the
          Lease or as relieving the Assignor from liability for any materially
          untrue representation or warranty herein or in the Note or the
          Mortgage or any other document securing the Note.

Upon the payment in full of the Note and all indebtedness secured hereby and by
the Mortgage, as evidenced by the recording or filing of an instrument of
conveyance, satisfaction or full release of the Mortgage, this Assignment shall
automatically become and be void and of not effect.

IN WITNESS WHEREOF, the Assignor has executed this Assignment on the day and
year first above written.

                                          CHESTERFIELD PLAZA JOINT VENTURE

                                          By: /s/ Robert R. Neilson
                                              ----------------------------
                                          Printed: Robert R. Neilson
                                          Title: Managing Partner

(Seal)

WITNESS:

/s/ Neil Tabor
----------------------------
Printed: Neil Tabor
Title:
       ---------------------

                                        7

<PAGE>

                                    EXHIBIT A

                              PROPERTY DISCRIPTION

     ALL that tract or parcel of land located in Anne Arundel County, State of
Maryland, and more particularly described as follows:

     BEGINNING for the same at point no. 4097 on the Southernmost right-of-way
line of Old Crown Drive (60 feet wide right-of-way) as shown on an un-recorded
plat entitled Phase One, "Chesterfield 4" (sheet 3 of 7), intended to be
recorded among the Plat Records of Anne Arundel County, Maryland, running thence
with and binding on said right-of-way line, and referring the courses of the
description contained herein to the Maryland State Grid Meridian,

     (1) North 56 degrees 54 minutes 09 seconds East 35.26 feet,

     (2) South 77 degrees 56 minutes 45 seconds East 45.00 feet,

     (3) 220.92 feet along the arc of a curve to the right, having a radius of
3660.18, and being subtended by a chord of South 76 degrees 13 minutes 00
seconds East 220.89 feet, and

     (4) South 74 degrees 29 minutes 15 seconds East 381.22 feet, thence leaving
the right-of-way line of Old Crown Drive and running with and binding on the
division line between the parcel now being described and a plat entitled
preliminary plan of "Jacobsville", recorded among the Plat Records of Anne
Arundel County, Maryland in Plat Book 2, Page 2, Plat No. 252,

     (5) South 12 degrees 55 minutes 56 seconds West 492.06 feet, thence leaving
the outline of the aforementioned plat of Jacobsville and running with and
binding on the division line between the parcel now being described and the
property of Herbert M. Weaver, recorded among the Land Records of Anne Arundel
County, Maryland in Liber F.S.R. 42, Folio 292,

<PAGE>

     (6) North 67 degrees 38 minutes 48 seconds West 117.59 feet, thence leaving
said Weaver Property and running with and binding on the division line between
the parcel now being described and an un-recorded plat entitled "R. Harry Arnold
Subdivision",

     (7) North 69 degrees 54 minutes 30 seconds West 529.13 feet to a point on
the Easternmost right-of-way line of Tick Neck Road - Phase II as shown on the
Anne Arundel County Department of Public Works Right-of-Way Plat No. 14977-1,
thence running with and binding on said right-of-way line as shown on the
aforementioned plat and plat no. 14978,

     (8) 158.09 feet along the arc of a curve to the right, having a radius of
11409.20 feet, and being subtended by a chord of North 10 degrees 09 minutes 26
seconds East 158.09 feet,

     (9) North 06 degrees 44 minutes 57 seconds East 199.82 feet, and

     (10) 44.69 feet along the arc of a curve to the right, having a radius of
11424.20 feet, and being subtended by a chord of North 11 degrees 39 minutes 59
seconds East 44.69 feet to the place of beginning,

     CONTAINING 6.920 acres of land, more or less.

     BEING part of that parcel of land which by deed dated March 20, 1978, and
recorded among the Land Records of Anne Arundel County, Maryland in Liber W.G.L.
3062 at Folio 888, was granted and conveyed by Oriole Homes Corp. to the
Chatterleigh Limited Partnership.

                                        2

<PAGE>

                                    EXHIBIT B

                   CHESTERFIELD PLAZA SHOPPING CENTER TENANTS

Morley Enterprises, Inc. t/a Little Ceasars

Rite-Aid of Maryland, Inc.

Bach Enterprises, Inc. t/a Village Cleaners

Saunders Florist, Inc.

Casablanca Hair Ltd.

P. A. & S. Small Company

Chesapeake Federal Savings and Loan Association

T100:TENANTS
060788

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