Document:

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                                                                    EXHIBIT 10.2

                              EMPLOYMENT AGREEMENT

      THIS EMPLOYMENT AGREEMENT (this "Agreement"), is made and entered into and
effective as of August 1, 2005 by and among Richard D. Guinter, a resident of
the State of Georgia ("Employee"), Northside Bank, a proposed Georgia state
banking corporation ("Employer") and Northside Bancshares, Inc., a Georgia
corporation and sole shareholder of Employer (the "Company").

                                   WITNESSETH:

      WHEREAS, Employer and Employee each deem it necessary and desirable, for
their mutual protection, to execute a written document setting forth the terms
and conditions of their employment relationship;

      NOW, THEREFORE, in consideration of the employment of Employee by
Employer, of the premises and the mutual promises and covenants contained
herein, and of other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties hereto, intending to
be legally bound, agree as follows:

      1. Employment and Duties. Employer hereby employs Employee to serve as
Senior Vice President and Chief Lending Officer of Employer and to perform such
other duties and responsibilities as customarily performed by persons acting in
such capacity. During the term of this Agreement, Employee will devote all of
his business time, skill and energies on a full-time exclusive basis to his
duties hereunder.

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      2. Term. Subject to the provisions of Section 12 of this Agreement, the
period of Employee's employment under this Agreement shall be deemed to have
commenced as of August 1, 2005 and shall continue for a period of 36 calendar
months thereafter (i) unless Employee dies before the end of such 36 months,
(ii) Employer is not successful in obtaining final opening approvals (the "Final
Approvals") from the Department of Banking and Finance of the State of Georgia
(the "Georgia Department") and the Federal Deposit Insurance Corporation (the
"FDIC") or (iii) the Company is unable to raise at least Ten Million Dollars in
equity (the "Minimum Capital") in order to capitalize Employer. In any such
event, the period of employment shall continue until the earlier of the end of
the month during which Employee dies or it becomes evident that the Final
Approvals will not be obtained or the Minimum Capital will not be raised. The
period of employment shall automatically be extended for additional one year
terms on each anniversary without further action by the parties, commencing on
August 1, 2008 and each August 1 thereafter. No such automatic extension shall
occur if either party shall, within 90 days prior to any said anniversary,
deliver written notice to the other of its intention that this Agreement shall
not be so extended.

      3. Compensation. For all services to be rendered by Employee during the
term of this Agreement, Employer shall pay Employee in accordance with the terms
set forth in Exhibit A, net of applicable withholdings, payable in semi-monthly
installments or such other compensation payment schedule as may be adopted by
Employer for its full time Employees.

      4. Expenses. So long as Employee is employed hereunder, Employee is
entitled to receive reimbursement for, or seek payment directly by Employer of,
all reasonable expenses which are consistent with the normal policy of Employer
in the performance of Employee's duties hereunder, provided that Employee
accounts for such expenses in writing.

      5. Employee Benefits. So long as Employee is employed hereunder, Employee
shall be entitled to participate in the various employee benefit programs
adopted by Employer and the Company from time to time on the most favorable
basis as may be available to other Officers and Executive management of the
Employer and Company.

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      6. Vacation. For the period beginning as of the date of this Agreement and
ending December 31, 2005, Employee shall be entitled to two weeks vacation.
Thereafter, Employee shall be entitled to four weeks annual vacation, provided
that no more than two weeks of such vacation shall be used in any 60 day period.

      7. Confidentiality. In Employee's position as an employee of Employer,
Employee has had and will have access to confidential information, trade secrets
and other proprietary information of vital importance to Employer and the
Company and has and will also develop relationships with customers, employees
and others who deal with Employer or the Company which are of value to Employer
and the Company. Employer requires, as a condition to Employee's employment with
Employer, that Employee agree to certain restrictions on Employee's use of the
proprietary information and valuable relationships developed during Employee's
employment with Employer. In consideration of the terms and conditions contained
herein, the parties hereby agree as follows:

      7.1 Employer and Employee mutually agree and acknowledge that Employer and
the Company may entrust Employee with highly sensitive, confidential, restricted
and proprietary information concerning various Business Opportunities (as
hereinafter defined), customer lists, and personnel matters. Employee
acknowledges that he shall bear a fiduciary responsibility to Employer and the
Company to protect such information from use or disclosure that is not necessary
for the performance of Employee's duties hereunder, as an essential incident of
Employee's employment with Employer.

      7.2 For the purposes of this Section 7, the following definitions shall
apply:

            7.2.1 "Trade Secret" shall mean the identity and addresses of
      customers of Employer or the Company, the whole or any portion or phase of
      any scientific or technical information, design, process, procedure,
      formula or improvement that is valuable and secret (in the sense that it
      is not generally known to competitors of Employer or the Company) and
      which is defined as a "trade secret" under Georgia law pursuant to the
      Georgia Trade Secrets Act.

            7.2.2 "Confidential Information" shall mean any data or information,
      other than Trade Secrets, which is material to Employer or the Company and
      not generally known by the public. Confidential Information shall include,
      but not be limited to, Business Opportunities of Employer or the Company
      (as hereinafter defined), the details of this Agreement, Employer's or the
      Company's business plans and

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      financial statements and projections, information as to the capabilities
      of Employer's or the Company's employees, their respective salaries and
      benefits and any other terms of their employment and the costs of the
      services Employer or the Company may offer or provide to the customers it
      serves, to the extent such information is material to Employer or the
      Company and not generally known by the public.

            7.2.3 "Business Opportunities" shall mean any specialized
      information or plans of Employer or the Company concerning the provision
      of financial services to the public, together with all related information
      concerning the specifics of any contemplated financial services regardless
      of whether Employer has contacted or communicated with such target person
      or business.

            7.2.4 Notwithstanding the definitions of Trade Secrets, Confidential
      Information, and Business Opportunities set forth above, Trade Secrets,
      Confidential Information, and Business Opportunities shall not include any
      information:

            (i) that is or becomes generally known to the public;

            (ii) that is already known by Employee or is developed by Employee
      after termination of employment through entirely independent efforts;

            (iii) that Employee obtains from an independent source having a bona
      fide right to use and disclose such information;

            (iv) that is required to be disclosed by law, except to the extent
      eligible for special treatment under an appropriate protective order; or

            (v) that Employer's or the Company's Board of Directors approves for
      release.

      7.3 Employee shall not, without the prior approval of Employer's or the
Company's Board of Directors, during his employment with Employer and for so
long thereafter as the information or data remain Trade Secrets, use or
disclose, or negligently permit any unauthorized person who is not an employee
of Employer or the Company to use, disclose, or gain access to, any Trade
Secrets.

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      7.4 Employee shall not, without the prior written consent of Employer or
the Company, during his employment with Employer and for a period of two years
thereafter as long as the information or data remain competitively sensitive,
use or disclose, or negligently permit any unauthorized person who is not
employed by Employer or the Company to use, disclose, or gain access to, any
Confidential Information to which the Employee obtained access by virtue of his
employment with Employer, except as provided in Section 7.2 of this Agreement.

      8. Observance of Security Measures. During Employee's employment with
Employer, Employee is required to observe all security measures adopted to
protect Trade Secrets, Confidential Information and Business Opportunities.

      9. Return of Materials. Upon the request of Employer or the Company and,
in any event, upon the termination of his employment with Employer, Employee
shall deliver to Employer all memoranda, notes, records, manuals or other
documents, including all copies of such materials containing Trade Secrets or
Confidential Information, whether made or compiled by Employee or furnished to
him from any source by virtue of his employment with Employer.

      10. Severability. Employee acknowledges and agrees that the covenants
contained in Sections 7 through 9 and Section 14 of this Agreement shall be
construed as covenants independent of one another and distinct from the
remaining terms and conditions of this Agreement, and severable from every other
contract and course of business by and among Employer, the Company and Employee,
and that the existence of any claim, suit or action by Employee against Employer
and/or the Company, whether predicated upon this Agreement or any other
agreement, shall not constitute a defense to Employer's or the Company's
enforcement of any covenant contained in Sections 7 through 9 and Section 14 of
this Agreement.

      11. Specific Performance. Employee acknowledges and agrees that the
covenants contained in Sections 7 through 9 and Section 14 of this Agreement
shall survive any termination of employment, as applicable, with or without
Cause (as hereinafter defined), at the instigation or upon the initiative of any
party. Employee further acknowledges and agrees that the ascertainment of
damages in the event of Employee's breach of any covenant contained in Sections
7 through 9 and Section 14 of this Agreement would be difficult, if at all
possible. Employee therefore acknowledges and agrees that Employer and the
Company shall be entitled in addition to and

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not in limitation of any other rights, remedies, or damages available to
Employer and the Company in arbitration, at law or in equity, upon submitting
whatever affidavit the law may require, and posting any necessary bond, to have
a court of competent jurisdiction enjoin Employee from committing any such
breach.

      12. Termination.

      12.1 During the term of this Agreement, Employee's employment, including
without limitation, all compensation, salary, expenses reimbursement, and
employee benefits may be terminated (i) at the election of Employer for Cause or
without Cause; (ii) at Employee's election upon Employer's breach of any
material provision of this Agreement; (iii) upon Employee's death; or (iv) at
the election of either party, upon Employee's disability resulting in an
inability to perform the duties described in Section 1 of this Agreement for a
period of 90 consecutive days, as determined by Employer's Board of Directors in
its sole discretion.

      12.2 As used in this Agreement, "Cause" shall mean (i) conduct by Employee
that amounts to fraud, material dishonesty, gross negligence or willful
misconduct in the performance of his duties hereunder; (ii) the conviction (from
which no appeal may be, or is, timely taken) of Employee of a felony; (iii)
initiation of suspension or removal proceedings against Employee by federal or
state regulatory authorities acting under lawful authority pursuant to
provisions of federal or state law or regulation which may be in effect from
time to time; (iv) knowing violation of federal or state banking laws or
regulations which are likely to have a material adverse effect on the Company;
(v) refusal to perform a duly authorized directive of Employer's Board of
Directors unless Employee in good faith believes that such act would cause
Employee to breach his fiduciary duties to the Company or Employer, or (vi)
breach by Employee of Section 15.7 of this Agreement.

      12.3 No termination by Employer shall be effective unless it is approved
by a majority vote of Employer's Board of Directors, excluding the vote, if any,
of Employee.

      12.4 If this Agreement is terminated either pursuant to Cause, Employee's
death or Employee's disability, Employee shall receive no further compensation
or benefits other than six weeks' severance pay based on Employee's then current
Base Salary plus any accrued but unused vacation computed on a daily basis
payable in a lump-sum payment on the date of notice of such termination. All
unvested stock options as well as any other benefits to which Employee would
otherwise be entitled will be forfeited.

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      12.5 If Employee is terminated by Employer without Cause, then Employee
shall receive an amount equal to one year's severance pay equal to Employee's
then current Base Salary plus any accrued but unused vacation computed on a
daily basis, both payable in 12 equal monthly payments commencing two weeks
after notice of such termination is delivered to Employee. Employee shall
receive no further compensation or benefits and all unvested stock options as
well as any other benefits to which he would otherwise be entitled will be
forfeited. Employer shall be required to provide Employee no less than two
weeks' notice of termination of this Agreement without Cause, pursuant to this
Section 12.5.

      12.6 If Employee is terminated by Employer prior to the receipt of Final
Approvals or if the Company abandons its efforts to raise the Minimum Capital,
Employee shall receive an amount equal to six months' severance pay based on
Employee's then current Base Salary payable in six equal monthly payments
commencing on the date of notice of such termination. Employee shall receive no
further compensation or benefits.

      12.7 If Employee is terminated by Employer because it did not receive
Final Approvals or the Company failed to raise the Minimum Capital, Employee
shall receive an amount equal to three months' severance pay based on Employee's
then current Base Salary payable in three equal monthly payments commencing on
the date of such termination. Employee shall receive no further compensation or
benefits.

      13. Notices. All notice provided for herein shall be in writing and shall
be deemed to be given when delivered in person or deposited in the United States
Mail, registered or certified, return receipt requested, with proper postage
prepaid and addressed as follows:

      Employer and Company: Northside Bancshares, Inc.
                            Post Office Box 283
                            Adairsville, Georgia 30103
                            Attn: Orlando Wilson, Chairman

      Employee:             Richard D. Guinter
                            148 Timber Ridge Lane
                            Calhoun, Georgia 30701

      14. Covenant Not to Compete, Not to Solicit and Not to Hire.

            14.1 For purposes of this Section 14, Employer and Employee conduct
the following business in the following geographic areas:

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                  14.1.1 Upon receipt of the Final Approvals, Employer will
            engage in the business of transacting business as a bank which
            accepts deposits, makes loans, cashes checks and otherwise engages
            in the business of banking and such other business as may lawfully
            be engaged in by a Georgia financial institution (collectively, the
            "Business of Employer").

                  14.1.2 Employee will establish business relationships and
            perform the duties described in Section 1 of this Agreement in the
            geographic area covered by the "primary service area" of Employer,
            as such term is defined from time to time in regulatory filings by
            Employer with the Georgia Department and/or the FDIC, and will work
            primarily in such area while in the employ of Employer.

      14.2 Employee covenants and agrees that, for a period of one year
following the termination of this Agreement by Employee for any reason, he will
not, directly or indirectly, as principal, agent, trustee, consultant or through
the agency of any financial institution, corporation, partnership, association,
trust or other entity or person, on Employee's own behalf or for others, provide
the duties described in Section 1 of this Agreement for any entity or person
conducting the Business of Employer within Employer's primary service area.

      15. Miscellaneous.

      15.1 This Agreement, together with Exhibit A, constitutes and expresses
the whole agreement of the parties in reference to the employment of Employee by
Employer, and there are no representations, inducements, promises, agreements,
arrangements, or undertakings oral or written, between the parties other than
those set forth herein.

      15.2 This Agreement shall be governed by the laws of the State of Georgia.

      15.3 Should any clause or any other provision of this Agreement be
determined to be void or unenforceable for any reason, such determination shall
not affect the validity or enforceability of any clause or provision of this
Agreement, all of which shall remain in full force and effect.

      15.4 Time is of the essence in this Agreement.

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      15.5 This Agreement shall be binding upon and inure to the benefit of the
parties hereto and their successors and assigns. This Agreement shall not be
assignable by Employee without the prior written consent of Employer.

      15.6 This Agreement may be executed in multiple counterparts, each of
which shall be deemed an original and all of which taken together shall
constitute but a single instrument.

      15.7 Employee represents and warrants that (i) no restrictions or
covenants exist with his current employer which would restrict or prohibit his
performance hereunder and (ii) his employment by the Employer or the Company is
not prohibited or restricted in any way under the terms of any employment
contract, past or present. Employee will indemnify and hold harmless Employer,
including Employer's attorneys' fees, for any breach of this representation and
warranty.

      15.8 Upon acceptance by all parties, this Agreement shall be contingent
upon a work history, criminal and academic background check of Employee by
Employer, the FDIC and the Georgia Department. In the event that in the
subjective determination of Employer, the FDIC or the Georgia Department,
Employee has been less than forthright in his disclosure of such information to
Employer or that either the FDIC or the Georgia Department object to Employee's
service as Senior Vice President and Chief Lending Officer, without conditions,
then this Agreement shall be null and void.

      IN WITNESS WHEREOF, the parties have executed this Agreement as of the day
and year first written above.

                                "EMPLOYEE"

                                /s/ Richard D. Guinter
                                ------------------------------------------------
                                Richard D. Guinter

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                                "EMPLOYER"

                                NORTHSIDE BANK, a proposed Georgia State Banking
                                Corporation

                                /s/ Gregory F. Patton
                                ------------------------------------------------
                                By:  Gregory F. Patton
                                Title: President

                                "COMPANY"

                                NORTHSIDE BANCSHARES, INC., a Georgia
                                corporation

                                /s/ Orlando Wilson
                                ------------------------------------------------
                                By: Orlando Wilson
                                Title: Chairman

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                                    EXHIBIT A
                      TO EMPLOYMENT AGREEMENT BY AND AMONG
                               RICHARD D. GUINTER,
                          NORTHSIDE BANK (PROPOSED) AND
                           NORTHSIDE BANCSHARES, INC.

                              Employee Compensation

Capitalized terms used herein and not defined shall have the meanings set forth
in the Employment Agreement.

BASE SALARY: $125,000 per year subject to annual increases in an amount equal to
such amount as the Board of Directors in its discretion shall determine to be
appropriate under the circumstances.

STOCK OPTIONS: Stock options to acquire 30,000 shares at the initial offering
price of the Company's common stock, are granted to Employee and vest 33.3% per
year on each anniversary of the opening of Employer.

AUTOMOBILE ALLOWANCE: $550 per month.

GROUP INSURANCE: Such health, hospitalization, dental, and any other insurance
plans as may be adopted by Employer's Board of Directors for employees of
Employer and their dependents.

CLUB: Employee will be permitted to use Employer's corporate membership at
Barnsley Gardens and all of Employee's reasonable business expenses incurred at
such club will be reimbursed in accordance with the entertainment expense
policies of Employer.

TRADE AND CIVIC ASSOCIATIONS: Employer will pay Employee's membership dues in a
reasonable number of trade and civic associations, the specific associations and
total number of memberships to be determined by Employer's Board of Directors in
its sole discretion.<PAGE>

                                                                   Exhibit 10.16

                              EMPLOYMENT AGREEMENT

     THIS AGREEMENT, made this 31st day of March, 2006 (the "Agreement"), by and
between FIRST FEDERAL SAVINGS BANK, a federally-chartered savings bank (the
"Bank"), FEDFIRST FINANCIAL CORPORATION (the "Company") and ROBERT C. BARRY, JR.
("Executive").

                                   WITNESSETH

     WHEREAS, Executive has accepted employment with the Bank in a position of
substantial responsibility;

     WHEREAS, the Bank and Executive wish to set forth the terms and conditions
of Executive's employment;

     NOW, THEREFORE, in consideration of the mutual covenants contained in this
Agreement, and upon the other terms and conditions provided for in this
Agreement, the parties hereby agree as follows:

     1. EMPLOYMENT. The Bank and the Company will employ Executive as Chief
Financial Officer. Executive will perform all duties and shall have all powers
commonly incident to such offices or which, consistent with those offices, the
Chief Executive Officer or Boards of Directors of the Bank and the Company (the
"Board") delegates to Executive. Executive shall report to the Chief Executive
Officer.

     2. LOCATION AND FACILITIES. The Bank will furnish Executive with the
working facilities and staff customary for the positions held by Executive. The
Bank will locate the office and staff of Executive at the principal
administrative offices of the Bank.

     3. TERM.

     a.   The term of this Agreement shall include (i) the initial term,
          consisting of the period commencing on March 31, 2006 (the "Effective
          Date") and ending on September 19, 2007, plus (ii) any and all
          extensions of the initial term made pursuant to this Section 3.

     b.   Not later than September 19, 2006, and prior to each September 19th
          thereafter, the Board may extend the term of this Agreement for an
          additional twelve months so that the remaining term of the Agreement
          becomes twenty-four months, unless Executive elects not to extend the
          term of this Agreement by giving written notice of his intentions in
          accordance with Section 17 of this Agreement. Each year, the Board
          will review Executive's performance for purposes of determining
          whether to extend the term of this Agreement and will include the
          rationale and results of its review in the minutes of its meeting.
          Executive shall receive notice as soon as possible after such review
          as to whether the Agreement will be extended for an additional year.

     4. BASE COMPENSATION.

     a.   The Bank agrees to pay the Executive an annual base salary of
          $150,000, payable in accordance with the customary payroll practices
          of the Bank. Executive may have part of his compensation deferred if
          he chooses.

     b.   Each year, the Board will review the level of Executive's base salary,
          based upon factors they deem relevant, in order to determine whether
          to maintain or increase Executive's base salary.

<PAGE>

     5. BONUSES. Executive will participate in discretionary bonuses or other
incentive compensation programs the Bank may sponsor or award from time to time
to other senior management employees on such terms as the Board may establish.

     6. BENEFIT PLANS.

     a.   Executive will participate in the employee welfare benefit plans the
          Bank maintains for the benefit of its employees on the same terms as
          other employees. As of the effective date of this Agreement, those
          benefits include health insurance, group-term life insurance, dental
          insurance, and group short- and long-term disability insurance. During
          the term of this Agreement, Executive may also participate in the
          employee stock ownership plan and retirement savings plan (i.e.,
          401(k) plan) sponsored by the Bank on the same terms as other
          employees.

     b.   In connection with the implementation of any shareholder-approved
          equity incentive plan, the Compensation Committee of the Company Board
          will consider Executive for participation in the plan.

     7. VACATION AND LEAVE. Executive may take up to four weeks paid vacation
and three paid personal days annually. Any other leave may be taken in
accordance with the Bank's general personnel policies. Executive shall not be
charged leave of any kind for attendance at professional meetings, seminars or
continuing education programs.

     8. EXPENSE PAYMENTS AND REIMBURSEMENTS. The Bank will reimburse Executive
for all reasonable and documented out-of-pocket business expenses (including,
but not limited to, business cell phone use, parking, business entertainment,
seminars, membership fees for organizations approved by the Board and dues for
such organizations) incurred in connection with his services under this
Agreement. Executive must substantiate the payment of all expenses in accordance
with applicable policies of the Bank.

     9. LOYALTY AND CONFIDENTIALITY.

     a.   During the term of this Agreement, Executive shall: (i) devote all his
          business time, attention, skill, and efforts to the faithful
          performance of his duties as President and Chief Executive Officer of
          the Bank and the Company; provided, however, that from time to time,
          Executive may serve on the board of directors of, and hold any other
          offices or positions in, companies or organizations that will not
          present any conflict of interest with the Bank or any of their
          affiliates, and that will not unfavorably affect the performance of
          Executive's employment duties, and that will not violate any
          applicable statute or regulation. Executive shall not engage in any
          business or activity contrary to the business affairs or interests of
          the Bank and Company.

     b.   Nothing contained in this Agreement prevents or limits Executive's
          right to invest in the capital stock or other securities of any
          business dissimilar from that of the Bank and Company, or, solely as a
          passive, minority investor, in any business.

     c.   Executive agrees to maintain the confidentiality of any and all
          information concerning the operation or financial status of the Bank
          or the Company; the names or addresses of any borrowers, depositors
          and other customers; any information concerning or obtained from such
          customers; and any other information concerning the Bank or the
          Company which he gains or of which he becomes aware during the course
          of his employment with the Bank or the Company. Executive further
          agrees that, unless required by law or specifically

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          permitted by the Board in writing, he will not disclose to any person
          or entity, either during or subsequent to his employment, any of the
          above-mentioned information not generally known to the public, nor
          shall he use the information in any way other than for the benefit of
          the Bank or the Company.

     10. TERMINATION AND TERMINATION PAY. Executive, the Bank or the Company may
terminate Executive's employment under the following circumstances:

     a.   Death. Executive's employment under this Agreement shall terminate
          upon his death during the term of this Agreement, in which event
          Executive's estate shall receive the compensation due to Executive
          through the last day of the calendar month in which his death
          occurred.

     b.   Retirement. This Agreement shall terminate upon Executive's retirement
          under the retirement benefit plan or plans in which he participates
          pursuant to Section 6 of this Agreement or otherwise.

     c.   Disability.

          i.   The Board or Executive may terminate Executive's employment after
               having determined Executive has suffered a Disability. For
               purposes of this Agreement, "Disability" means a physical or
               mental infirmity that impairs Executive's ability to
               substantially perform his duties under this Agreement and results
               in Executive becoming eligible for long-term disability benefits
               under any long-term disability plans of the Bank (or, if no such
               benefits exist, that impairs Executive's ability to substantially
               perform his duties under this Agreement for a period of at least
               one hundred eighty (180) consecutive days). The Board, in good
               faith, shall determine whether or not Executive becomes and
               continues to be permanently disabled for purposes of this
               Agreement, based upon competent medical advice and other factors
               that the Board reasonably believes to be relevant. As a condition
               to any benefits, the Board may require Executive to submit to
               physical or mental evaluations and tests as the Board or its
               medical experts deem reasonably appropriate (copies of which
               shall promptly be provided to Executive and/or his designated
               representative).

          ii.  In the event of his Disability, Executive shall no longer be
               obligated to perform services under this Agreement. The Bank will
               pay Executive, as Disability pay, an amount equal to two-thirds
               (2/3) of Executive's weekly rate of base salary in effect as of
               the date of his termination of employment due to Disability. The
               Bank will make Disability payments on a monthly basis commencing
               on the first day of the month following the effective date of
               Executive's termination of employment due to Disability and
               ending on the earlier of: (A) the date he returns to full-time
               employment at the Bank in the same capacity as he was employed
               prior to his termination for Disability; (B) his death; (C) his
               attainment of age 65; or (D) the date the Agreement would have
               expired had Executive's employment not terminated by reason of
               Disability. The Bank will reduce Disability pay otherwise due to
               Executive under this provision by the amount of any short- or
               long-term disability benefits payable to Executive under any
               other disability programs sponsored by the Bank. In addition,
               during any period of Executive's Disability, the Bank shall
               continue to provide Executive and his dependents, to the greatest
               extent possible, all benefits (including, without limitation,
               benefits under retirement plans and medical, dental and life
               insurance plans) provided to

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               Executive and his dependents prior to his Disability, on the same
               terms as if Executive remained actively employed by the Bank.

     d.   Termination for Cause.

          i.   The Board, by written notice to Executive in the form and manner
               specified in this paragraph, may immediately terminate
               Executive's employment at any time for "Cause". Executive shall
               have no rights to receive compensation or other benefits for any
               period after termination for Cause, except for already vested
               benefits. Termination for "Cause" shall mean termination because
               of, in the good faith determination of the Board, Executive's:

               (1)  Personal dishonesty;

               (2)  Incompetence;

               (3)  Willful misconduct;

               (4)  Breach of fiduciary duty involving personal profit;

               (5)  Intentional failure to perform duties under this Agreement;

               (6)  Willful violation of any law, rule or regulation (other than
                    traffic violations or similar offenses) that reflects
                    adversely on the reputation of the Bank, any felony
                    conviction, any violation of law involving moral turpitude,
                    or any violation of a final cease-and-desist order; or

               (7)  Material breach by Executive of any provision of this
                    Agreement.

          ii.  Notwithstanding the foregoing, Executive's termination for Cause
               will not become effective unless the Bank has delivered to
               Executive a copy of a resolution duly adopted by the affirmative
               vote of a majority of the entire membership of the Board, at a
               meeting of the Board called and held for the purpose of finding
               that, in the good faith opinion of the Board (after reasonable
               notice to Executive and an opportunity for Executive to be heard
               before the Board with counsel), Executive was guilty of the
               conduct described above and specifying the particulars of his
               conduct.

     e.   Voluntary Termination by Executive. In addition to his other rights to
          terminate employment under this Agreement, Executive may voluntarily
          terminate employment during the term of this Agreement upon at least
          sixty (60) days prior written notice to the Board. Upon Executive's
          voluntary termination, Executive will receive only his compensation,
          vested rights and employee benefits up to the date of his termination.

     f.   Without Cause.

          i.   In addition to termination pursuant to Sections 10(a) through
               10(e), the Board may, upon providing written notice to Executive,
               immediately terminate his employment at any time for a reason
               other than Cause (a termination "Without Cause").

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<PAGE>

          ii.  In the event of his termination of employment under this Section
               10(f), Executive shall continue to receive his base salary at the
               rate in effect at his termination date for the remaining term of
               the Agreement.

     g.   Change in Control. In the event that the employment of the Executive
          is involuntarily terminated within one (1) year of a Change in Control
          Executive shall be entitled to the following benefit:

          i.   a lump sum payment equal to three (3) times Executive's base
               salary as of the date of the Change in Control; and

          ii.  continuation of medical and dental coverage for Executive and his
               dependents at the Bank's expense, for a period not to exceed the
               earlier of (i) 36 months from Executive's termination date; (ii)
               Executive's employment with another employer; or (iii)
               Executive's death.

     h.   Definition of Change in Control. For purposes of this Agreement, a
          "Change in Control" means any of the following events:

          i.   Merger: The Company merges into or consolidates with another
               corporation, or merges another corporation into the Company, and
               as a result, less than a majority of the combined voting power of
               the resulting corporation immediately after the merger or
               consolidation is held by persons who were stockholders of the
               Company immediately before the merger or consolidation.

          ii.  Acquisition of Significant Share Ownership: There is filed, or
               required to be filed, a report on Schedule 13D or another form or
               schedule (other than Schedule 13G) required under Sections 13(d)
               or 14(d) of the Securities Exchange Act of 1934, if the schedule
               discloses that the filing person or persons acting in concert has
               or have become the beneficial owner(s) of 25% or more of a class
               of the Company's voting securities, but this clause (ii) shall
               not apply to beneficial ownership of Company voting shares held
               in a fiduciary capacity by an entity of which the Company
               directly or indirectly beneficially owns 50% or more of its
               outstanding voting securities.

          iii. Change in Board Composition: During any period of two consecutive
               years, individuals who constitute the Company's Board of
               Directors at the beginning of the two-year period cease for any
               reason to constitute at least a majority of the Company's Board
               of Directors; provided, however, that for purposes of this clause
               (iii), each director who is first elected by the board (or first
               nominated by the board for election by the stockholders) by a
               vote of at least two-thirds (2/3) of the directors who were
               directors at the beginning of the two-year period shall be deemed
               to have also been a director at the beginning of such period; or

          iv.  Sale of Assets: The Company sells to a third party all or
               substantially all of its assets.

     Notwithstanding anything in this Agreement to the contrary, in no event
shall the reorganization of the Bank from the mutual holding company form of
organization to the full stock holding company form of organization (including
the elimination of the mutual holding company) constitute a "Change in Control"
for purposes of this Agreement.

                                        5

<PAGE>

          i.   Limitation of Benefits Under Certain Circumstances. If the
               payments and benefits pursuant to Section 10 of this Agreement,
               either alone or together with other payments and benefits which
               Executive has the right to receive from the Company and the Bank,
               would constitute a "parachute payment" under Section 280G of the
               Code, the payments and benefits pursuant to Section 10 shall be
               reduced or revised, in the manner determined by Executive, by the
               amount, if any, which is the minimum necessary to result in no
               portion of the payments and benefits under Section 10 being
               non-deductible to the Company and the Bank pursuant to Section
               280G of the Code and subject to the excise tax imposed under
               Section 4999 of the Code. The determination of any reduction in
               the payments and benefits to be made pursuant to Section 10 shall
               be based upon the opinion of the Company and the Bank's
               independent public accountants and paid for by the Company and
               the Bank. In the event that the Company, the Bank and/or
               Executive do not agree with the opinion of such counsel, (i) the
               Company and the Bank shall pay to Executive the maximum amount of
               payments and benefits pursuant to Section 10, as selected by
               Executive, which such opinion indicates there is a high
               probability do not result in any of such payments and benefits
               being non-deductible to the Company and the Bank and subject to
               the imposition of the excise tax imposed under Section 4999 of
               the Code and (ii) the Company and the Bank may request, and
               Executive shall have the right to demand that they request, a
               ruling from the IRS as to whether the disputed payments and
               benefits pursuant to Section 10 have such consequences. Any such
               request for a ruling from the IRS shall be promptly prepared and
               filed by the Company and the Bank, but in no event later than
               thirty (30) days from the date of the opinion of counsel referred
               to above, and shall be subject to Executive's approval prior to
               filing, which shall not be unreasonably withheld. The Company,
               the Bank and Executive agree to be bound by any ruling received
               from the IRS and to make appropriate payments to each other to
               reflect any such rulings, together with interest at the
               applicable federal rate provided for in Section 7872(f)(2) of the
               Code. Nothing contained herein shall result in a reduction of any
               payments or benefits to which Executive may be entitled upon
               termination of employment other than pursuant to Section 10
               hereof, or a reduction in the payments and benefits specified in
               Section 10 below zero.

     11. INDEMNIFICATION AND LIABILITY INSURANCE.

          a.   Indemnification. The Bank and Company agree to indemnify
               Executive (and his heirs, executors, and administrators) under
               this Agreement, and to advance expenses related to this
               indemnification, to the fullest extent permitted under applicable
               law and regulations against any and all expenses and liabilities
               that Executive reasonably incurs in connection with or arising
               out of any action, suit, or proceeding in which he becomes
               involved by reason of his service as an Executive of the Bank and
               the Company (whether or not Executive continues to serve as an
               Executive at the time of incurring the expenses or liabilities).
               Covered expenses and liabilities include, without limitation,
               judgments, court costs, attorneys' fees and the costs of
               reasonable settlements (subject to Board approval), provided
               legal action is brought against Executive in his capacity as an
               Executive of the Bank, the Company or any of its subsidiaries.
               Indemnification for expenses shall not extend to matters related
               to Executive's termination for "Cause." Notwithstanding anything
               in this Section 11(a) to the contrary, the Bank and the Company
               shall not be required to provide any indemnification otherwise
               prohibited by applicable law or regulation. The obligations of
               this Section 11(a) shall survive the term of this Agreement
               (including extensions thereof) by a period of six (6) years.

          b.   Insurance. During the period in which the Bank and the Company
               must indemnify Executive, the Bank and the Company, at its
               expense, will arrange for

                                        6

<PAGE>

               Executive's coverage (and his heirs, executors, and
               administrators) under a directors' and executives' liability
               policy at least equivalent to the insurance coverage provided to
               directors and other senior executives of the Bank and the
               Company.

     12. REIMBURSEMENT OF EXECUTIVE'S EXPENSES TO ENFORCE THIS AGREEMENT. The
Bank will reimburse Executive for all out-of-pocket expenses, including, without
limitation, reasonable attorneys' fees, that Executive incurs in connection with
his successful enforcement of the Bank's obligations under this Agreement.
Successful enforcement shall mean the grant of an award of money or the
requirement that the Bank take some action specified by this Agreement: as a
result of court order; or otherwise following an initial failure by the Bank to
pay such money or take such action promptly following receipt of a written
demand from Executive stating the reason that the Bank must make payment or take
action under this Agreement.

     13. INJUNCTIVE RELIEF. Upon a breach or threatened breach of the
prohibitions upon disclosure contained in Section 9(c) of this Agreement, the
parties agree that there is no adequate remedy at law for such breach, and the
Bank shall be entitled to injunctive relief restraining Executive from such
breach or threatened breach, but such relief shall not be the exclusive remedy
for a breach of this Agreement. The parties to this Agreement further agree that
Executive, without limitation, may seek injunctive relief to enforce the Bank's
obligations under this Agreement.

     14. SOURCE OF PAYMENTS. All payments provided for in this Agreement shall
be timely paid in cash or check from the general funds of the Bank or the
Company.

     15. SUCCESSORS AND ASSIGNS. This Agreement shall inure to the benefit of
and be binding upon any corporate or other successor of the Bank and the Company
which shall acquire, directly or indirectly, by merger, consolidation, purchase
or otherwise, all or substantially all of the assets or stock of the Company.
Since the Bank and the Company have contracted for the unique and personal
skills of Executive, Executive shall not assign or delegate his rights or duties
hereunder without first obtaining the written consent of the Bank and the
Company.

     16. NO MITIGATION. Executive shall not be required to mitigate the amount
of any payment provided for in this Agreement by seeking other employment or
otherwise and no payment under this Agreement shall be offset or reduced by any
compensation or benefits provided to Executive in any subsequent employment.

     17. NOTICES. All notices, requests, demands and other communications made
in connection with this Agreement shall be made in writing and shall be deemed
to have been given when delivered by hand or 48 hours after mailing at any
general or branch United States Post Office, by registered or certified mail,
postage prepaid, addressed to the Bank at its principal business office and to
Executive at his home address as maintained in the records of the Bank.

     18. NO PLAN CREATED BY THIS AGREEMENT. Executive, the Bank and the Company
expressly declare and agree that this Agreement was negotiated between them and
that no provision or provisions of this Agreement are intended to, or shall be
deemed to, create any plan for purposes of the Employee Retirement Income
Security Act or any other law or regulation, and each party expressly waives any
right to assert the contrary. Any party who makes such an assertion in any
judicial or administrative filing, hearing, or process shall have materially
breached this Agreement upon making the assertion.

     19. AMENDMENTS. No amendments or additions to this Agreement will bind the
parties unless made in writing and signed by all of the parties, except as
herein otherwise specifically provided.

                                        7

<PAGE>

     20. APPLICABLE LAW. Except to the extent preempted by federal law,
Pennsylvania law shall govern this Agreement in all respects, whether as to its
validity, construction, capacity, performance or otherwise.

     21. SEVERABILITY. The provisions of this Agreement shall be deemed
severable and the invalidity or unenforceability of any provision shall not
affect the validity or enforceability of the other provisions of this Agreement.

     22. HEADINGS. Headings contained in this Agreement are for convenience of
reference only.

     23. ENTIRE AGREEMENT. This Agreement, together with any understanding or
modifications agreed to in writing by the parties, shall constitute the entire
agreement among the parties hereto with respect to the subject matter of this
Agreement, other than written agreements with respect to specific plans,
programs or arrangements described in Sections 5 and 6.

     24. REQUIRED PROVISIONS. In the event any of the foregoing provisions of
this Agreement are in conflict with the terms of this Section 24, this Section
24 shall prevail.

          a.   The Board may terminate Executive's employment at any time, but
               any termination by the Board, other than Termination for Cause,
               shall not prejudice Executive's right to compensation or other
               benefits under this Agreement. Executive shall not have the right
               to receive compensation or other benefits for any period after
               termination for Cause as defined in Section 10 of this Agreement.

          b.   If Executive is suspended from office and/or temporarily
               prohibited from participating in the conduct of the Bank's
               affairs by a notice served under Section 8(e)(3) or 8(g)(1) of
               the Federal Deposit Insurance Act, 12 U.S.C. Sec. 1818(e)(3) or
               (g)(1), the Bank's obligations under this Agreement shall be
               suspended as of the date of service, unless stayed by appropriate
               proceedings. If the charges in the notice are dismissed, the Bank
               may in its discretion: (i) pay Executive all or part of the
               compensation withheld while contract obligations were suspended;
               and (ii) reinstate (in whole or in part) any of the obligations
               which were suspended.

          c.   If Executive is removed and/or permanently prohibited from
               participating in the conduct of the Bank's affairs by an order
               issued under Section 8(e)(4) or 8(g)(1) of the Federal Deposit
               Insurance Act, 12 U.S.C. Sec. 1818(e)(4) or (g)(1), all
               obligations of the Bank under this Agreement shall terminate as
               of the effective date of the order, but vested rights of the
               contracting parties shall not be affected.

          d.   If the Bank is in default as defined in Section 3(x)(1) of the
               Federal Deposit Insurance Act, 12 U.S.C. Sec. 1813(x)(1), all
               obligations of the Bank under this Agreement shall terminate as
               of the date of default, but this paragraph shall not affect any
               vested rights of the contracting parties.

          e.   All obligations of the Bank under this Agreement shall be
               terminated, except to the extent determined that continuation of
               the Agreement is necessary for the continued operation of the
               institution: (i) by the Director of the OTS (or his designee) or
               the FDIC, at the time the FDIC enters into an agreement to
               provide assistance to or on behalf of the Bank under the
               authority contained in Section 13(c) of the Federal Deposit
               Insurance Act, 12 U.S.C. Sec. 1823(c); or (ii) by the Director of
               the OTS (or his designee) at the time the Director (or his
               designee) approves a supervisory merger to resolve problems
               related to the operations of the

                                        8

<PAGE>

               Bank or when the Bank is determined by the Director to be in an
               unsafe or unsound condition. Any rights of the parties that have
               already vested, however, shall not be affected by such action.

          f.   Any payments made to Executive pursuant to this Agreement, or
               otherwise, are subject to and conditioned upon compliance with 12
               U.S.C. Sec. 1828(k) and 12 C.F.R. Sec. 545.121 and any rules and
               regulations promulgated thereunder.

     IN WITNESS WHEREOF, the parties hereto have executed this Agreement on the
date first set forth above.

ATTEST:                                 FIRST FEDERAL SAVINGS BANK

 /s/ Beatrice Ciepley                   By: /s/ John G. Robinson
-------------------------------------       ------------------------------------

ATTEST:                                 FEDFIRST FINANCIAL CORPORATION

 /s/ Beatrice Ciepley                   By: /s/ John G. Robinson
-------------------------------------       ------------------------------------

 /s/ John G. Robinson                       /s/ Robert C. Barry, JR.
-------------------------------------   ----------------------------------------
WITNESS                                 ROBERT C. BARRY, JR.

                                       9

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