Document:

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                                                                    Exhibit 10.3

                                    AGREEMENT

        THIS AGREEMENT is entered into this ___ day of _________, 2001, between
Exchange National Bancshares, Inc., a Missouri corporation (the "Company"), and
__________________________ ("Employee").

                                   WITNESSETH:

        WHEREAS, Employee is a valued employee of the Company or a subsidiary of
the Company; and

        WHEREAS, the Board of Directors of the Company believes that it is in
the best interests of the Company and its shareholders (i) to provide assurance
that the Company and its subsidiaries will have the continued service of
Employee notwithstanding the possibility, threat or occurrence of a Change of
Control (as defined in Section 1), (ii) to diminish the distraction to Employee
that may arise by virtue of the personal uncertainties and risks created by a
threatened or pending Change of Control, and (iii) to encourage Employee's full
attention and dedication to the Company and its subsidiaries currently and in
the event of a threatened or pending Change of Control;

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

        1.      Certain Definitions. As used in this Agreement, unless otherwise
defined herein or unless the context otherwise requires, the following terms
shall have the following meanings:

        (a)     Cause. "Cause" means (i) Employee has failed materially to
devote reasonable attention and time during normal business hours to the
business and affairs of the Company or the subsidiary of the Company that is the
primary employer of Employee (the "Bank") and, to the extent necessary to
discharge the responsibilities assigned to Employee from time to time, to use
Employee's reasonable best efforts to faithfully and efficiently perform such
responsibilities (other than as a result of incapacity due to physical or mental
illness), which failure is demonstrably willful and deliberate on Employee's
part, is committed in bad faith or without reasonable belief that such breach is
in the best interests of the Company and is not remedied in a reasonable period
of time after receipt of a written notice from the Company specifying such
breach, (ii) Employee has been convicted of a felony or misdemeanor involving
moral turpitude, (iii) Employee has engaged in acts or omissions against the
Company or a subsidiary of the Company constituting dishonesty, intentional
breach of fiduciary obligation, or intentional wrongdoing or misfeasance, which
acts or omissions result in a material detriment to the assets, business or
prospects of the Company or such subsidiary, (iv) Employee has acted
intentionally and in bad faith in a manner which results in a material detriment
to the assets, business or prospects of the Company or a subsidiary of the
Company, or (v) Employee has been guilty of habitual absenteeism, chronic
alcoholism or other form of addiction.

        (b)     Change of Control. "Change of Control" means the occurrence of
any of the following events:

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                (i)     any "person" (as such term is used in Sections 13(d) and
        14(d) of the Securities Exchange Act of 1934, as in effect on the date
        hereof (the "Exchange Act")), other than the Company or any corporation
        owned, directly or indirectly by it, any trustee or other fiduciary
        holding securities under an employee benefit plan of the Company, or any
        corporation owned, directly or indirectly, by the shareholders of the
        Company in substantially the same proportions as their ownership of
        stock of the Company, becomes, after the date hereof, the beneficial
        owner, directly or indirectly, of securities of the Company representing
        50 percent or more of the total voting power of the Company's
        then-outstanding securities ("Interested Shareholder");

                (ii)    the shareholders of the Company approve a merger or
        consolidation of the Company with any other entity, other than a merger
        or consolidation which would result in the voting securities (which term
        means any securities which vote generally in the election of directors)
        of the Company outstanding immediately prior thereto continuing to
        represent (either by remaining outstanding or by being converted into
        voting securities of the surviving entity) at least 50 percent of the
        total voting power represented by the voting securities of the Company
        or such surviving entity outstanding immediately after such merger or
        consolidation; or

                (iii)   the shareholders of the Company approve a plan of
        complete liquidation of the Company or an agreement for the sale or
        disposition by the Company of all or substantially all of the Company's
        assets.

        (c)     Change of Control Period. "Change of Control Period" means the
period commencing on the date hereof and ending on the second anniversary of
such date; provided, however, that commencing on a date one year after the date
hereof, and on each annual anniversary of such date (such date and each annual
anniversary thereof being hereinafter referred to as the "Renewal Date"), the
Change of Control Period shall be automatically extended so as to terminate two
years from such Renewal Date, unless at least 60 days prior to the Renewal Date
the Company shall give notice to Employee that the Change of Control Period
shall not be so extended.

        (d)     Date of Termination. "Date of Termination" means (i) if
Employee's employment is terminated by the Company or the Bank, as applicable,
for Cause, or by Employee for Good Reason, the date of receipt of the Notice of
Termination or any later date permitted to be specified therein, as the case may
be, (ii) if Employee's employment is terminated by the Company or the Bank, as
applicable, other than for Cause or Disability, the Date of Termination shall be
the date on which the Company or the Bank notifies Employee of such termination,
(iii) if Employee's employment is terminated by reason of death or Disability,
the Date of Termination shall be the date of death of Employee or the Disability
Effective Date (as defined in Section 2(a)), as the case may be, and (iv) if
Employee's employment is terminated by Employee for other than Good Reason, the
Date of Termination shall be the date on which Employee notifies the Company in
writing of such termination or any later date permitted to be specified therein,
as the case may be.

        (e)     Disability. The "Disability" of Employee shall mean the
inability of Employee to perform Employee's duties hereunder by reason of any
medically determinable physical or

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mental impairment which can be expected to result in death or which has lasted
or can be expected to last for a continuous period of not less than six months,
as determined in writing by a qualified independent physician mutually
acceptable to Employee and the Company, which agreement as to acceptability
shall not be reasonably withheld.

        (f)     Effective Date. "Effective Date" means the first date on which a
Change of Control occurs during the Change of Control Period; provided, however,
if (i) a Change of Control occurs, (ii) Employee's employment is terminated by
the Company or the Bank, as applicable, other than for Cause or Employee
terminates his employment for Good Reason, in either case prior to the date on
which the Change of Control occurs, and (iii) it is reasonably demonstrated by
Employee that such termination of employment or such action by the Company or
the Bank triggering Employee's right to terminate Employee's employment for Good
Reason (A) was at the request or direction of a third party who has taken steps
reasonably calculated to effect the Change of Control, or (B) otherwise arose in
connection with or in anticipation of the Change of Control, then for purposes
of this Agreement "Effective Date" shall mean the date immediately prior to the
date of such termination of employment by the Company or the Bank, as
applicable, or by Employee for Good Reason.

        (g)     Good Reason. "Good Reason" means any of the following:

                (i)     Any reduction or diminution in Employee's position
        (including status, offices, titles and reporting requirements),
        authority, duties or responsibilities in any material respect from the
        most significant of those held, exercised or assigned at any time during
        the 90-day period immediately preceding the Effective Date; excluding
        for this purpose an isolated, insubstantial and inadvertent action not
        taken in bad faith and which is remedied by the Company or the Bank
        promptly after receipt of notice thereof given by Employee to the
        Company;

                (ii)    Any reduction in Employee's annual base salary to less
        than twelve times the highest monthly base salary paid or payable to
        Employee by the Company or the Bank, as applicable, in respect of the
        twelve-month period immediately preceding the month in which the
        Effective Date occurs; excluding for this purpose any isolated,
        insubstantial and inadvertent action not occurring in bad faith and
        which is remedied by the Company or the Bank promptly after receipt of
        notice thereof given by Employee to the Company;

                (iii)   Any reduction in benefits received by Employee under
        Company Plans (as defined below) to less than the most favorable
        benefits provided to Employee by the Company or the Bank, as applicable,
        under Company Plans at any time during the 90-day period immediately
        preceding the Effective Date; excluding for this purpose any isolated,
        insubstantial and inadvertent action not occurring in bad faith and
        which is remedied by the Company or the Bank promptly after receipt of
        notice thereof given by Employee to the Company. "Company Plans" means
        (1) all incentive, savings and retirement plans, practices, policies and
        programs, (2) all welfare benefit plans, practices, policies and
        programs (including medical, prescription, dental, disability, salary
        continuance, employee life, group life, accidental death and travel
        accident insurance plans and programs), (3) expense reimbursement for
        all reasonable employment expenses incurred

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        by Employee, (4) the provision of fringe benefits, (5) the provision of
        an office or offices of a certain size and with furnishings and other
        appointments, and personal secretarial and other assistance and (6) the
        provision of paid vacation time;

                (iv)    Employee being required by the Company or the Bank, as
        applicable, to be based at any office or location that is more than 35
        miles from the location where Employee was employed immediately
        preceding the Effective Date; and

                (v)     Any failure by the Company to require any successor
        (whether direct or indirect, by purchase, merger, consolidation or
        otherwise) to all or substantially all of the business and/or assets of
        the Company to assume expressly and agree to perform this Agreement in
        the same manner and to the same extent that the Company would be
        required to perform it if no such succession had taken place, or any
        failure by any such successor after ten days notice from Employee to so
        perform this Agreement.

        (h)     Notice of Termination. "Notice of Termination" means a written
notice of termination which (i) indicates the specific termination provision in
this Agreement relied upon, (ii) to the extent applicable, sets forth in
reasonable detail the facts and circumstances claimed to provide a basis for
termination of Employee's employment under the provision so indicated and (iii)
if the Date of Termination is other than the date of receipt of such notice,
specifies the termination date (which date shall be not more than 15 days after
the giving of such notice).

        (i)     Post-Effective Period. "Post-Effective Period" means the period
commencing on the Effective Date and ending on the second anniversary of such
date.

        2.      Termination of Employment During the Post-Effective Period.

        (a)     Death or Disability. Employee's employment shall terminate
automatically upon Employee's death during the Post-Effective Period. If the
Company determines in good faith that the Disability of Employee has occurred
during the Post-Effective Period, it may give Employee written notice in
accordance with Section 9(b) of its intention to terminate Employee's
employment. In such event, Employee's employment with the Company or the Bank,
as applicable, shall terminate effective on the 30th day after receipt of such
notice by Employee (the "Disability Effective Date"), provided that within the
30 days after such receipt Employee shall not have returned to full-time
performance of Employee's duties.

        (b)     Cause. The Company or the Bank, as applicable, may terminate
Employee's employment during the Post-Effective Period for Cause or without
Cause. Notwithstanding the foregoing, Employee shall not be deemed to have been
terminated for Cause without (i) reasonable notice to Employee setting forth the
reasons for the Company's or the Bank's intention to terminate for Cause, (ii)
an opportunity for Employee, together with his or her counsel, to be heard
before the Board of Directors of the Company, and (iii) delivery to Employee of
a Notice of Termination from the Board of Directors of the Company finding that
in the good faith opinion of the Board of Directors Employee was guilty of
conduct set forth in Section 1(a), and specifying the particulars thereof in
detail.

        (c)     Good Reason. Employee's employment may be terminated during the
Post-Effective Period by Employee for Good Reason or without Good Reason.

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        (d)     Notice of Termination. Any termination by the Company or the
Bank, as applicable, for Cause, or by Employee for Good Reason, shall be
communicated by Notice of Termination to the Company or Employee, as applicable,
in accordance with Section 9(b). The failure by Employee or by the Company or
the Bank, as applicable, to set forth in the Notice of Termination any fact or
circumstance which contributes to a showing of Good Reason or Cause shall not
waive any right of Employee or the Company hereunder or preclude Employee or the
Company from asserting such fact or circumstance in enforcing Employee's or the
Company's rights hereunder.

        3.      Obligations of the Company Upon Termination During the
Post-Effective Period.

        (a)     Terminations Other Than for Cause; Termination for Good Reason.
If, during the Post-Effective Period, the Company or the Bank, as applicable,
shall terminate Employee's employment other than for Cause or the Disability of
the Employee, or Employee shall terminate employment for Good Reason:

                (i)     the Company shall pay to Employee cash in an amount
        equal to the aggregate of the following amounts, which payment shall be
        made in a lump sum or in 12 consecutive monthly installments, as
        determined by the Company, commencing within five days after the Date of
        Termination: (A) an amount equal to ________ times the highest monthly
        base salary paid or payable to Employee by the Company and, if
        applicable, by the Bank in respect of the twelve-month period
        immediately preceding the month in which the Notice of Termination is
        given, (B) an amount equal to ________ times the amount of any incentive
        bonus paid or payable to Employee by the Company and, if applicable, by
        the Bank in respect of the year immediately preceding the year in which
        the Notice of Termination is given, (C) the proportionate amount of any
        incentive bonus and other compensation, payments and benefits which
        would otherwise have been received by Employee with respect to the year
        in which the Notice of Termination is given if Employee were employed on
        the last day of such year, and (D) any accrued vacation pay, to the
        extent not theretofore paid; and

                (ii)    Employee shall receive all amounts or benefits to which
        Employee is entitled for the period prior to the Date of Termination
        under any plan, program, policy, practice, contract or agreement of the
        Company and, if applicable, of the Bank (excluding amounts otherwise
        required to be paid under this Section 3(a)), at the time such amounts
        or benefits are due.

        (b)     Termination for Cause; Termination Other than for Good Reason If
Employee's employment shall be terminated for Cause during the Post-Effective
Period or if Employee terminates employment during the Post-Effective Period
other than for Good Reason, this Agreement shall terminate without further
obligation of the Company or the Bank, as applicable, to Employee other than (i)
the obligation to pay to Employee base salary through the Date of Termination,
any incentive bonus and other compensation, payments and benefits for the most
recently completed fiscal year and any accrued vacation pay, to the extent
theretofore unpaid, which amounts shall be paid to Employee in a lump sum in
cash within 30 days of the Date of Termination, and (ii) the obligation to pay
to Employee all amounts or benefits to which Employee is entitled for the period
prior to the Date of Termination under any plan, program,

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policy, practice, contract or agreement of the Company and, if applicable, of
the Bank (excluding amounts otherwise required to be paid under this Section
3(b)), at the time such amounts or benefits are due.

        (c)     Termination as a Result of Death or Disability. In the event of
the termination of Employee's employment during the Post-Effective Period as a
result of the death or Disability of Employee, Employee shall be entitled to
death or long-term disability benefits, as the case may be, from the Company, no
less favorable than those benefits to which Employee would have been entitled
had the death or termination for Disability occurred during the six-month period
prior to the Effective Date. If at any time during the Post-Effective Period but
prior to a termination for Disability, Employee is unable to perform his duties
due to a Disability, Employee shall continue to receive a monthly base salary in
an amount equal to Employee's monthly base salary in effect at the commencement
of such disability until Employee's employment is terminated as a result of
Disability or Employee is able to perform his duties; provided, however, that
the amount of any such payments shall be reduced by any payments to which
Employee may be entitled for the same period because of the disability under any
other disability or pension plan of the Company or any of its subsidiaries.

        (d)     Interest. Without limiting the rights of Employee at law or in
equity, if the Company fails to make any payment or provide any benefit required
to be made or provided under this Agreement on a timely basis, the Company will
pay interest on the amount or the value thereof at one hundred twenty percent
(120%) of the rate (the "Applicable Federal Rate") provided in section
1274(b)(2)(B) of the Internal Revenue Code of 1986, as amended (the "Code").

        (e)     Section 280G Gross-Up. Notwithstanding anything to the contrary
contained in this Agreement, in the event that the aggregate payments or
benefits to be made or afforded to Employee under this Section 3 (the
"Termination Benefits") cause Employee to be liable or obligated for the payment
of any Federal excise taxes under Section 4999(a) of the Code, and/or any state
or local excise taxes attributable to an "excess parachute payment" under
Section 280G of the Code, the Company promptly shall pay or reimburse Employee
for the amount of such Federal, state and local excise taxes and, in addition,
for the following additional tax liabilities:

                (i)     All Federal, state and local excise taxes attributable
        to the tax gross-up provided for under this Section 3(e); and

                (ii)    All Federal, state and local income taxes imposed on
        amounts paid pursuant to, and including all income taxes attributable
        to, this Section 3(e).

        (f)     Change of Control Payment Limitation. Notwithstanding anything
to the contrary contained in this Agreement, in the event that, within six
months after the Effective Date, the Aggregate Change of Control Payment (as
defined below) is more than the Total Payment Limit (as defined below), then the
aggregate payments or benefits to be made or afforded to Employee hereunder
shall be subject to reduction as follows:

                (i)     Employee and all other directors, officers or employees
        of the Company and its subsidiaries who would be entitled to payment or
        reimbursement for taxes and tax

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        gross-ups as a result of the occurrence of a Change of Control in
        substantially the manner contemplated by Section 3(e) of this Agreement,
        shall have such payments and reimbursements reduced to the extent
        necessary to cause the Aggregate Change of Control Payment to be not
        more than the Total Payment Limit. The reduction in the payment or
        reimbursement to which Employee would otherwise be entitled under
        Section 3(e) shall be made in the same proportion that the aggregate
        payments or benefits to be made or afforded to Employee under this
        Agreement (prior to the application of this Section 3(f)) would bear to
        the aggregate payments or benefits to be made or afforded to Employee
        and all such directors, officers or employees (prior to the application
        of this Section 3(f)). Any reduction or elimination in the payment or
        reimbursement under Section 3(e) pursuant to this Section 3(f)(i) shall
        be made before any other payment or benefit to be made or afforded to
        Employee hereunder shall be affected by this Section 3(f).

                (ii)    If, after the application of Section 3(f)(i), the
        Aggregate Change of Control Payment continues to be more than the Total
        Payment Limit, Employee and all other directors, officers or employees
        of the Company and its subsidiaries who would be entitled to payments or
        benefits as a result of the occurrence of a Change of Control in
        substantially the manner contemplated by Section 3(a) and (d) of this
        Agreement, shall have such payments or benefits reduced to the extent
        necessary to cause the Aggregate Change of Control Payment to be not
        more than the Total Payment Limit. The reduction in the payments or
        benefits to which Employee would otherwise be entitled under Section
        3(a) and (d) shall be made in the same proportion that the aggregate
        payments or benefits to be made or afforded to Employee under this
        Agreement (after the application of Section 3(f)(i) but prior to the
        application of this Section 3(f)(ii)) would bear to the aggregate
        payments or benefits to be made or afforded to Employee and all such
        directors, officers or employees (after the application of Section
        3(f)(i) but prior to the application of this Section 3(f)(ii)).

        As used in this Section 3(f), the following terms have the following
meanings:

        "Aggregate Change of Control Payment" means the sum of: (i) the
aggregate payments or benefits to be made or afforded to Employee under Section
3(a), (d) and (e) of this Agreement, plus (ii) the aggregate severance or other
similar payments or benefits to be made or afforded to Employee and all other
directors, officers or employees of the Company and its subsidiaries under any
other employment, severance, consulting and other compensation agreements, plans
or arrangements as a result of the occurrence of a Change of Control, including
amounts realizable from the accelerated vesting of stock options.

        "Total Payment Limit" means an amount equal to five percent (5%) of the
aggregate cash and other consideration that shareholders of the Company will
receive as a result of a Change of Control.

        4.      Non-exclusivity of Rights. Nothing in this Agreement shall
prevent or limit Employee's continuing or future participation in any plan,
program, policy or practice provided by the Company or any of its subsidiaries
and for which Employee may qualify, nor shall anything herein limit or otherwise
affect such rights as Employee may have under any contract

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or agreement with the Company or any of its subsidiaries. Amounts which are
vested benefits or which Employee is otherwise entitled to receive at or
subsequent to the Date of Termination under any plan, policy, practice or
program of or any contract or agreement with the Company or any of its
subsidiaries shall be payable in accordance with such plan, policy, practice or
program or contract or agreement, except as explicitly modified by this
Agreement.

        5.      Full Settlement; Resolution of Disputes.

        (a)     The Company's obligation to make the payments provided for in
this Agreement and otherwise to perform its obligations hereunder shall not be
affected by any set-off that the Company may have against Employee or others. In
no event shall Employee be obligated to seek other employment or take any other
action by way of mitigation of the amounts payable to Employee under any of the
provisions of this Agreement and such amounts shall not be reduced whether or
not Employee obtains other employment. The Company agrees to pay promptly as
incurred, to the full extent permitted by law, all legal fees and expenses which
Employee may reasonably incur as a result of any dispute or contest (regardless
of the outcome thereof) by the Company, Employee or others of the validity or
enforceability of, or the existence of liability under, any provision of this
Agreement or any guarantee of performance thereof (including as a result of any
contest by Employee about the amount of any payment pursuant to this Agreement),
plus in each case interest on any delayed payment at one hundred twenty percent
(120%) of the Applicable Federal Rate.

        (b)     If there shall be any dispute or contest between the Company and
Employee (i) in the event of any termination of Employee's employment by the
Company or the Bank, as applicable, whether such termination was for Cause, or
(ii) in the event of any termination of employment by Employee whether Good
Reason existed, then, unless a written opinion of independent legal counsel
selected by a majority of disinterested directors is furnished to the Company
opining that such termination was for Cause or that the determination by
Employee of the existence of Good Reason did not exist for termination of
employment by Employee, the Company shall pay all amounts, and provide all
benefits, to Employee and/or Employee's family or other beneficiaries, as the
case may be, that the Company would be required to pay or provide pursuant to
Section 3(a) as though such termination were by the Company or the Bank without
Cause or by Employee with Good Reason. If the Company does not promptly pay the
amounts and provide the benefits contemplated by this Agreement because it has
received a written opinion of independent legal counsel to the effect described
in the immediately preceding sentence, then (A) a notice to that effect shall be
promptly provided to Employee together with a copy of such legal opinion which
shall disclose the reasons for such legal opinion, (B) Employee may bring suit
in any court of competent jurisdiction against the Company to enforce Employee's
rights under this Agreement, (C) the burden of proving that Employee is not
entitled to receive the amounts and the benefits contemplated by this Agreement
shall be on the Company, (D) the Company shall advance to Employee all legal
fees and expenses which Employee may reasonably incur as a result of any such
action, if Employee undertakes to repay such fees and expenses in the event that
there is a final, nonappealable judgment by a court of competent jurisdiction
declaring that such termination was for Cause or that Good Reason did not exist
for termination of employment by Employee, and (E) if a court of competent
jurisdiction renders a final, nonappealable judgment declaring that such
termination was not for Cause or that Good Reason did exist for such termination
by Employee, then Employee shall receive all payments

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and benefits contemplated by this Agreement, plus interest on any delayed
payment or benefit at one hundred twenty percent (120%) of the Applicable
Federal Rate.

        6.      Confidential Information. The Employee shall hold in a fiduciary
capacity for the benefit of the Company and its subsidiaries all secret or
confidential information, knowledge or data relating to the Company or any of
its subsidiaries and their businesses which shall have been obtained by Employee
during Employee's employment by the Company or any of its subsidiaries and which
shall not be or become public knowledge (other than by acts by Employee in
violation of this Agreement). After termination of Employee's employment with
the Company or its subsidiaries, Employee shall not, without the prior written
consent of the Company or as may otherwise be required by law or legal process,
use, or communicate or divulge any such information, knowledge or data to anyone
other than the Company and those designated by it.

        7.      Successors.

        (a)     This Agreement is personal to Employee and shall not be
assignable by Employee without the prior written consent of the Company
otherwise than by will or the laws of descent and distribution. If Employee
should die while any amounts would still be payable to him hereunder if he had
continued to live, all such amounts, unless otherwise provided herein, shall be
paid in accordance with the terms of this Agreement to Employee's devisee,
legatee, or other designee or, if there be no such designee, to Employer's
estate.

        (b)     This Agreement shall inure to the benefit of and be binding upon
the Company and its successors and assigns.

        (c)     The Company will require any successor (whether direct or
indirect, by purchase, merger, consolidation or otherwise) to all or
substantially all of the business and/or assets of the Company to assume
expressly and agree to perform this Agreement in the same manner and to the same
extent that the Company would be required to perform it if no such succession
had taken place. As used in this Agreement, "Company" shall mean the Company as
hereinbefore defined and any successor to its business and/or assets as
aforesaid which assumes and agrees to perform this Agreement by operation of
law, or otherwise.

        8.      Prohibition of Payments by Regulatory Agencies. Notwithstanding
anything to the contrary contained in this Agreement, the Company shall not be
obligated to make any payment to Employee under this Agreement if the payment
would violate any rule, regulation or order of any regulatory agency having
jurisdiction over the Company or any of its subsidiaries; provided, however,
that the Company covenants to Employee that it will take all reasonable steps to
obtain any regulatory agency approvals that may be required in order to make
payments to Employee as provided herein.

        9.      Miscellaneous.

        (a)     This Agreement shall be governed by and construed in accordance
with the laws of the State of Missouri, without reference to principles of
conflict of laws. The captions of this Agreement are not part of the provisions
hereof and shall have no force or effect. This Agreement may not be amended or
modified otherwise than by a written agreement executed by the parties hereto or
their respective successors and legal representatives. This Agreement

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supersedes all previous agreements relating to the subject matter of this
Agreement, written or oral, between the parties hereto and contains the entire
understanding of the parties hereto.

        (b)     All notices and other communications hereunder shall be in
writing and shall be given by hand delivery to the other party or by registered
or certified mail, return receipt requested, postage prepaid, addressed as
follows:

<TABLE>
<CAPTION>
                If to the Company:                          If to the Employee:
<S>                                                         <C>
                Exchange National Bancshares, Inc.          ____________________
                132 E. High Street                          ____________________
                Jefferson City, MO  65101                   ____________________
                Attention:  Secretary                       ____________________
</TABLE>

or to such other address as either party shall have furnished to the other in
writing in accordance herewith. Notice and communications shall be effective
when actually received by the addressee.

        (c)     The invalidity or unenforceability of any provision of this
Agreement shall not affect the validity or enforceability of any other provision
of this Agreement.

        (d)     The Company may withhold from any amounts payable under this
Agreement such Federal, state or local taxes as shall be required to be withheld
pursuant to any applicable law or regulation.

        (e)     Employee's or the Company's failure to insist upon strict
compliance with any provision of this Agreement or the failure to assert any
right Employee or the Company may have hereunder, including, without limitation,
the right of Employee to terminate employment for Good Reason, shall not be
deemed to be a waiver of such provision or right or any other provision or right
of this Agreement.

        (f)     This Agreement is not an employment agreement and nothing herein
contained shall be construed as requiring the Company or any of its subsidiaries
to employ Employee for any specific period. Employee and the Company acknowledge
that, except as may otherwise be provided under any other written agreement
between Employee and the Company or any of its subsidiaries, as applicable, the
employment of Employee by the Company or any such subsidiary is "at will" and,
prior to the Effective Date, may be terminated by either Employee or the Company
and any such subsidiary, as applicable, at any time. Moreover, if prior to the
Effective Date, Employee's employment with the Company and its subsidiaries,
terminates, then Employee shall have no further rights under this Agreement.

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        IN WITNESS WHEREOF, Employee has hereunto set Employee's hand and
pursuant to the authorization from its Board of Directors the Company has caused
these presents to be executed in its name on its behalf, all as of the day and
year first above written.

                                                     Company:

                                                     EXCHANGE NATIONAL
                                                     BANCSHARES, INC.

                                                     By:
                                                         -----------------------
                                                         Name:
                                                         Title:

                                                     Employee:

                                                     ---------------------------
                                                     Name:

                                       11
<PAGE>   12

             Schedule of Parties to the Foregoing Form of Agreement

The following individuals each has entered into an agreement in the form of the
immediately preceding agreement form. Set forth opposite the name of each such
individual is the information that has been filled in the blanks set forth in
Section 3(a)(i)(A) and 3(a)(i)(B), respectively, of such agreement.

<TABLE>
<CAPTION>
---------------------------------------------------------------------------------------------------------------
                                                             Salary Multiple              Bonus Multiple
Name                                                       Section 3(a)(i)(A)           Section 3(a)(i)(B)
---------------------------------------------------------------------------------------------------------------
<S>                                                             <C>                          <C>
---------------------------------------------------------------------------------------------------------------
Donald L. Campbell                                              36 months                    3 years
---------------------------------------------------------------------------------------------------------------
David T. Turner*                                                36 months                    3 years
---------------------------------------------------------------------------------------------------------------
James E. Smith                                                  36 months                    3 years
---------------------------------------------------------------------------------------------------------------
Richard G. Rose                                                 12 months                     1 year
---------------------------------------------------------------------------------------------------------------
Kathleen L. Bruegenhemke                                        12 months                     1 year
---------------------------------------------------------------------------------------------------------------
</TABLE>

---------------
*       In Section 1(g)(iv) of Mr. Turner's agreement, the mile reference
        appearing therein is "20 miles" (as compared with "35 miles" in all
        other agreements)

                                       12
<PAGE>   13

<TABLE>
<CAPTION>
-------------------------------------------------------------------------------------------
             Change of Control Agreements
-------------------------------------------------------------------------------------------
Name                                                                Salary Multiple
-------------------------------------------------------------------------------------------
<S>                                                                        <C>
-------------------------------------------------------------------------------------------
Donald L. Campbell                                                         3
-------------------------------------------------------------------------------------------
David T. Turner                                                            3
-------------------------------------------------------------------------------------------
James E. Smith                                                             3
-------------------------------------------------------------------------------------------
James Vossen                                                               1
-------------------------------------------------------------------------------------------
Gary Collins                                                               1
-------------------------------------------------------------------------------------------
Richard G. Rose                                                            1
-------------------------------------------------------------------------------------------
Kathleen L. Bruegenhemke                                                   1
-------------------------------------------------------------------------------------------
Shirley Wilson                                                             1
-------------------------------------------------------------------------------------------
Cynthia Glasscock                                                          1
-------------------------------------------------------------------------------------------
Gene Henry                                                                 1
-------------------------------------------------------------------------------------------
Betty Beach                                                                1
-------------------------------------------------------------------------------------------
Shirley Boyd                                                               1
-------------------------------------------------------------------------------------------

-------------------------------------------------------------------------------------------
</TABLE><PAGE>   1
                                                                EXHIBIT 10(a)(2)

                         HOUSTON INDUSTRIES INCORPORATED
                             EXECUTIVE BENEFITS PLAN

                      (Established Effective June 1, 1982)

                                 Third Amendment

                  Houston Industries Incorporated, a Texas corporation (now
known as Reliant Energy, Incorporated and hereinafter referred to as the
"Company"), having established the Houston Industries Incorporated Executive
Benefits Plan, effective June 1, 1982 and as thereafter amended (the "Plan"),
and having reserved the right under Section 7.01 thereof to amend the Plan, does
hereby amend the Plan effective as of the dates specified herein, as follows:

         1. Effective as of May 5, 1999, Sections 1.02(a) and 1.02(b) of the
Plan are hereby amended to read as follows:

                  "(a) 'Plan' means the Reliant Energy, Incorporated Executive
         Benefits Plan set forth herein, effective June 1, 1982, as the same may
         be amended from time to time.

                  (b) 'Company' means Reliant Energy, Incorporated, a Texas
         corporation, or any successor."

         2. Effective as of January 1, 1999, Section 3.01 of the Plan is hereby
amended by adding the following sentence at the end thereof:

         "No Employee shall be eligible to commence participation in the Plan
         from and after January 1, 1999."

                                       -1-
<PAGE>   2

                  IN WITNESS WHEREOF, Reliant Energy, Incorporated has caused
these presents to be executed by its duly authorized officer in a number of
copies, all of which shall constitute one and the same instrument, which may be
sufficiently evidenced by any executed copy hereof, this 17th day of
September, 1999, but effective as of the dates stated herein.

                                      RELIANT ENERGY, INCORPORATED

                                      By /s/ Lee W. Hogan
                                        --------------------------

ATTEST:

/s/ Rufus Scott
--------------------------

                                       -2-

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