Document:

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                                                                   Exhibit 10(x)
                                                                   -------------

                       Amemdment to Employment Agreement
                              between Susquehanna
                  and Drew K.Hostetter, dated February 28,2002

<PAGE>

                               FIRST AMENDMENT TO
                              EMPLOYMENT AGREEMENT

     The Employment Agreement effective as of February 28, 2001, by and between
SUSQUEHANNA BANCSHARES, INC., a Pennsylvania corporation organized as a
financial holding company under the Bank Holding Company Act of 1956, as amended
(the "Company"), and DREW K. HOSTETTER, an adult individual whose principal
residence is at 812 Westminster Drive, Lancaster, Pennsylvania 17601 (the
"Employee"), is hereby amended as follows:

1. Paragraph 10.4 is amended by adding the following sentence to the end
thereof:

     "The qualifying event under COBRA shall be the date on which the Employee
     terminates employment or suffers a reduction of hours that would otherwise
     cause him to lose coverage under the applicable group health plan but for
     the extension of benefits hereunder."

2. Paragraph 10.5 is amended by adding the following sentence to the end
thereof:

     "In the event of and in consideration for all amounts and benefits payable
     hereunder by reason of a Change in Control, the Employee acknowledges that
     the provisions of paragraph 14 hereof shall extend to any offices or
     facilities of any business that becomes an affiliate of or successor to the
     Company on account of such Change in Control."

3. Paragraph 10.6 is amended by deleting said Section in its entirety and by
substituting therefor:

          10.6 (i) Anything in this Agreement to the contrary notwithstanding,
     in the event that it shall be determined that any payment or distribution
     by the Company to or for the benefit of the Employee, whether paid or
     payable or distributed or distributable pursuant to the terms of this
     Agreement or otherwise (each such payment, a "Parachute Payment"), would
     constitute an "excess parachute payment" within the meaning of Section 280G
     of the Internal Revenue Code of 1986, as amended (the "Code") (whether or
     not under an existing plan, arrangement or other agreement) and would
     result in the imposition on the Employee of an excise tax under Section
     4999 of the Code, then, in addition to any other benefits to which the
     Employee is entitled under this Agreement or otherwise, the Employee shall
     be paid an amount in cash equal to the sum of the excise taxes payable by
     the Employee by reason of receiving Parachute Payments plus the amount
     necessary to place the Employee in the same after-tax position (taking into
     account any and all applicable federal, state and local excise, income or
     other taxes at the highest possible applicable rates on such Parachute
     Payments (including, without limitation, any payments under this
     subparagraph 10.6(i)) as if no excise taxes had been imposed with respect
     to Parachute Payments (the "Parachute Gross-up"). Any Parachute Gross-up
     otherwise required by this subparagraph 10.6(i) shall not be made later
     than the time of the corresponding payment or benefit hereunder giving rise
     to the underlying Section 4999 excise tax (to the extent such determination
     has been made prior to such time), even if the payment of the excise tax is
     not required under the Code until a later

<PAGE>

     time. Any Parachute Gross-up otherwise required under this subparagraph
     10.6(i) shall be made whether or not there is a Change in Control, whether
     or not payments or benefits are payable under this Agreement, whether or
     not the payments or benefits giving rise to the Parachute Gross-up are made
     in respect of a Change in Control and whether or not the Employee's
     employment with the Employer shall have been terminated.

          (ii) All determinations to be made under this subparagraph 10.6 shall
     be made by the Company's independent public accountant (the "Accounting
     Firm"), which firm shall provide its determinations and any supporting
     calculations both to the Company and the Employee within 10 days of his
     termination of employment.

          (iii) In the event the Internal Revenue Service notifies the Employee
     of an inquiry with respect to the applicability of Code ss.280G or Code
     ss.4999 to any payment by the Company, or assessment of tax under Code
     ss.4999 with respect to any payment by the Company, the Employee shall
     provide notice to the Company of such inquiry or assessment within 10 days,
     and shall take no action with respect to such inquiry or assessment until
     the Company has responded thereto (provided such response is timely with
     respect to the inquiry or assessment). The Company shall have the right to
     appoint an attorney or accountant to represent the Employee with respect to
     such inquiry or assessment, and the Employee shall fully cooperate with
     such representative as a condition of receiving a Parachute Gross-up with
     respect to such inquiry or assessment.

          (iv) All of the fees and expenses of the Accounting Firm in performing
     the determinations referred to in subsections (i) and (ii) above, or of the
     representative appointed pursuant to subsection (iii) above, shall be borne
     solely by the Company.

As so amended, said Employment Agreement is hereby confirmed, this 18th day of
January, 2002.

                                             SUSQUEHANNA BANCSHARES, INC.

Attest:/s/ Lisa M. Cavage                    By:/s/ William J. Reuter
       -----------------------------            --------------------------------
Secretary                                    Name:  William J. Reuter
                                             Title: President and CEO

Witness:                                     EMPLOYEE

/s/ Edward Balderston, Jr.                   /s/ Drew K. Hostetter
---------------------------                  -----------------------------------
Name: Edward Balderston, Jr.                 Drew K. Hostetter<PAGE>

                                                                  Exhibit 10(xi)
                                                                  --------------

                        Amendment to Employment Agreement
                 between Susquehanna, Williamsport National Bank
                 and Charles W. Luppert, dated February 28, 2002

<PAGE>

                               FIRST AMENDMENT TO
                              EMPLOYMENT AGREEMENT

     The Employment Agreement effective as of February 28, 2001, by and between
SUSQUEHANNA BANCSHARES, INC., a Pennsylvania corporation organized as a
financial holding company under the Bank Holding Company Act of 1956, as amended
(the "Company"), WNB BANK, a Pennsylvania state-chartered bank and the successor
in interest to Williamsport National Bank (the "Bank"), on the one side, and
CHARLES W. LUPPERT, an adult individual whose principal residence is at 1618
Heather Lane, Williamsport, Pennsylvania 17701 (the "Employee"), is hereby
amended as follows:

1. Paragraph 10.4 is amended by adding the following sentence to the end
thereof:

     "The qualifying event under COBRA shall be the date on which the Employee
     terminates employment or suffers a reduction of hours that would otherwise
     cause him to lose coverage under the applicable group health plan but for
     the extension of benefits hereunder."

2. Paragraph 10.5 is amended by adding the following sentence to the end
thereof:

     "In the event of and in consideration for all amounts and benefits payable
     hereunder by reason of a Change in Control, the Employee acknowledges that
     the provisions of paragraph 14 hereof shall extend to any offices or
     facilities of any business that becomes an affiliate of or successor to the
     Company on account of such Change in Control."

3. Paragraph 10.6 is amended by deleting said Section in its entirety and by
substituting therefor:

          10.6 (i) Anything in this Agreement to the contrary notwithstanding,
     in the event that it shall be determined that any payment or distribution
     by the Company to or for the benefit of the Employee, whether paid or
     payable or distributed or distributable pursuant to the terms of this
     Agreement or otherwise (each such payment, a "Parachute Payment"), would
     constitute an "excess parachute payment" within the meaning of Section 280G
     of the Internal Revenue Code of 1986, as amended (the "Code") (whether or
     not under an existing plan, arrangement or other agreement) and would
     result in the imposition on the Employee of an excise tax under Section
     4999 of the Code, then, in addition to any other benefits to which the
     Employee is entitled under this Agreement or otherwise, the Employee shall
     be paid an amount in cash equal to the sum of the excise taxes payable by
     the Employee by reason of receiving Parachute Payments plus the amount
     necessary to place the Employee in the same after-tax position (taking into
     account any and all applicable federal, state and local excise, income or
     other taxes at the highest possible applicable rates on such Parachute
     Payments (including, without limitation, any payments under this
     subparagraph 10.6(i)) as if no excise taxes had been imposed with respect
     to Parachute Payments (the "Parachute Gross-up"). Any Parachute Gross-up
     otherwise required by this subparagraph 10.6(i) shall not be made later
     than the time of the corresponding payment or benefit hereunder giving rise
     to the underlying Section 4999 excise tax (to the extent such determination
     has been made prior to such

<PAGE>

     time), even if the payment of the excise tax is not required under the Code
     until a later time. Any Parachute Gross-up otherwise required under this
     subparagraph 10.6(i) shall be made whether or not there is a Change in
     Control, whether or not payments or benefits are payable under this
     Agreement, whether or not the payments or benefits giving rise to the
     Parachute Gross-up are made in respect of a Change in Control and whether
     or not the Employee's employment with the Employer shall have been
     terminated.

          (ii) All determinations to be made under this subparagraph 10.6 shall
     be made by the Company's independent public accountant (the "Accounting
     Firm"), which firm shall provide its determinations and any supporting
     calculations both to the Company and the Employee within 10 days of his
     termination of employment.

          (iii) In the event the Internal Revenue Service notifies the Employee
     of an inquiry with respect to the applicability of Code ss.280G or Code
     ss.4999 to any payment by the Company, or assessment of tax under Code
     ss.4999 with respect to any payment by the Company, the Employee shall
     provide notice to the Company of such inquiry or assessment within 10 days,
     and shall take no action with respect to such inquiry or assessment until
     the Company has responded thereto (provided such response is timely with
     respect to the inquiry or assessment). The Company shall have the right to
     appoint an attorney or accountant to represent the Employee with respect to
     such inquiry or assessment, and the Employee shall fully cooperate with
     such representative as a condition of receiving a Parachute Gross-up with
     respect to such inquiry or assessment.

          (iv) All of the fees and expenses of the Accounting Firm in performing
     the determinations referred to in subsections (i) and (ii) above, or of the
     representative appointed pursuant to subsection (iii) above, shall be borne
     solely by the Company.

                      [THIS SPACE INTENTIONALLY LEFT BLANK]

<PAGE>

As so amended, said Employment Agreement is hereby confirmed, this 28th day of
January, 2002.

                                            SUSQUEHANNA BANCSHARES, INC.

Attest:/s/ Lisa M. Cavage                   By:/s/ William J. Reuter
       ----------------------                  ---------------------------------
Secretary                                   Name:  William J. Reuter
                                            Title:  President and CEO

                                            WNB BANK

Witness:/s/ Rexford B. Hilton               By:/s/ Chris W. Rager
        ---------------------                  ---------------------------------
                                            Name:  Chris W. Rager
                                            Title: Vice President and Secretary

                                            EMPLOYEE
Witness:

/s/ Hallie Luppert                          /s/ Charles W. Luppert
-----------------------------               ------------------------------------
Name:  Hallie Luppert                       Charles W. Luppert

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