Document:

Doc Number374050.2

                                  EXHIBIT 10.4

                          WINTON FINANCIAL CORPORATION

                   STOCK OPTION AND INCENTIVE PLAN, AS AMENDED

                  1. Purpose of the Plan. The purpose of the Winton Financial
Corporation Stock Option and Incentive Plan, as amended (hereinafter referred to
as the "Plan"), is to attract and retain the best available personnel as
employees of Winton Financial Corporation (hereinafter referred to as "Winton")
and to provide additional incentives to the employees of Winton or any present
or future parent or subsidiary of Winton. The Plan is intended to provide for
the grant of both "Incentive Stock Options", as defined in Section 422A of the
Internal Revenue Code of 1986, as amended, and non-qualified stock options.

                  2.  Definitions. As used in the Plan, the following terms have
the corresponding meaning:

                           (a) "Award" means the grant by the Committee of an
                  Incentive Stock Option, a Non-incentive Stock Option or a
                  Stock Appreciation Right, or any combination thereof, as
                  provided in the Plan.

                           (b) "Board" means the Board of Directors of Winton.

                           (c) "Code" means the Internal Revenue Code of 1986,
                  as amended.

                           (d) "Common Stock" means the common shares, without
                  par value, of Winton.

                           (e) "Committee" means the Stock Option Committee
                  appointed by the Board in accordance with paragraph 4(a) of
                  the Plan.

                           (f) "Continuous Employment" or "Continuous Status as
                  an Employee" means the absence of any interruption or
                  termination of employment by Winton or any present or future
                  Parent or Subsidiary of Winton. Employment shall not be
                  considered interrupted in the case of sick leave, military
                  leave or any other leave of absence approved by Winton or in
                  the case of transfers between payroll locations of Winton or
                  between Winton, its Parent, its Subsidiaries or a successor.

                           (g) "Effective Date" means the date specified in
                  Section 15 of the Plan.

                           (h) "Employee" means any person employed on a full-
                  time basis by Winton or any present or future Parent or
                  Subsidiary of Winton.

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                           (i) "Incentive Stock Option" means an Option to
                  purchase Shares which is granted by the Committee pursuant to
                  Section 7 hereof and which is intended to qualify as an
                  incentive stock option under Section 422A of the Code. Each
                  and every one of the provisions of the Plan relating to
                  Incentive Stock Options shall be interpreted to conform to the
                  requirements of Section 422A of the Code.

                           (j) "Non-incentive Stock Option" means an Option to
                  purchase Shares which is granted by the Committee pursuant to
                  Section 8 of this Plan or granted by the Board pursuant to
                  Section 4 of this Plan and which is not intended to qualify
                  under Section 422A of the Code.

                           (k) "Option" means an Incentive Stock Option or Non-
                  incentive Stock Option granted pursuant to this Plan.

                           (l) "Optioned Stock" means Common Stock subject to an
                  Option granted pursuant to the Plan.

                           (m) "Optionee" means any person who receives an
                  Option.

                           (n) "Parent" means any present or future corporation
                  which would be a "Parent Corporation" as defined in
                  Subsections 425(e) and (g) of the Code.

                           (o) "Participant" means any director, officer or key
                  employee of Winton or of any Parent or Subsidiary of Winton or
                  any other person providing a service to Winton who is selected
                  by the Committee to receive an Award.

                           (p) "Plan" means this Winton Financial Corporation
                  Stock Option and Incentive Plan, as amended.

                           (q) "Related" means (i) in the case of a Stock
                  Appreciation Right, a Stock Appreciation Right which is
                  granted in connection with, and to the extent exercisable, in
                  whole or in part, in lieu of, an Option and (ii) in the case
                  of an Option, an Option with respect to which and to the
                  extent to which a Stock Appreciation Right is exercisable, in
                  whole or in part, in lieu thereof has been granted.

                           (r) "Repurchase Right" means the right defined in
                  Section 11 of this Plan.

                           (s) "Share" or "Shares" means one or more shares of
                  the Common Stock.

                           (t) "Stock Appreciation Right" means a Stock
                  Appreciation Right with respect to Shares granted by the
                  Committee pursuant to Section 12 hereof.

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                           (u) "Subsidiary" means any present or future
                  corporation which would be a "Subsidiary Corporation" as
                  defined in Subsections 425(f) and (g) of the Code.

                           (v) "Winton" means Winton Financial Corporation.

                  3. Shares Subject to the Plan. Except as otherwise required by
the provisions of Section 13 hereof, the aggregate number of Shares with respect
to which Awards may be made pursuant to the Plan shall not exceed 324,840
authorized and unissued or treasury Shares. Shares which are subject to Stock
Appreciation Rights and Related Options shall be counted only once in
determining whether the maximum number of Shares with respect to which Awards
may be granted under the Plan has been exceeded. An Award shall not be
considered to have been made under the Plan with respect to and Option or Stock
Appreciation Right which terminates and new Awards may be granted under the Plan
with respect to the number of Shares as to which such termination has occurred.

                  4.   Administration of the Plan.

                       (a)  Powers  of  the Committee.  The Plan shall be
administered  by the  Committee,  the members of which shall be appointed by the
Board.  The Committee is  authorized to interpret the Plan; to prescribe,  amend
and rescind  rules and  regulations  relating to the Plan; to determine the form
and  content  of  Awards  to be  issued  under  the  Plan;  and  to  make  other
determinations  necessary or advisable for the  administration  of the Plan. The
Committee  shall have and may exercise  such other power and authority as may be
delegated  to it by the  Board  from  time to time.  A  majority  of the  entire
Committee shall constitute a quorum, and the action of a majority of the members
present at any  meeting at which a quorum is present  shall be deemed the action
of the  Committee.  In no event shall the Committee  revoke  outstanding  Awards
without the consent of the  Participant.  The president of Winton and such other
officers  as shall be  designated  by the  Committee  are hereby  authorized  to
execute  instruments  evidencing Awards on behalf of Winton and to cause them to
be delivered to Participants.

                       (b)  Effect of Committee Decisions. All decisions,
determinations and interpretations of the Plan by the Committee shall be final
and conclusive on all persons affected thereby.

                  5.   Eligibility.

                       (a)  Optionees. The Committee shall from time to time
determine  the  officers,  directors,  key  employees  and other persons to whom
Options or Awards shall be granted under the Plan,  the number of Shares subject
to granted  Options and the  designation of granted  Options as Incentive  Stock
Options and/or Non-incentive Stock Options. In selecting the Participants and in
determining  the  number of Shares of Common  Stock to be  granted  to each such
Participant  pursuant to each Award  granted  under the Plan,  the Committee may
consider the nature of the services rendered by each such Participant, each such
Participant's  current  and  potential  contribution  to Winton  and such  other
factors as the Committee may, in its sole discretion,  deem relevant.  Officers,
directors, key employees or other persons who have been granted an Award may, if
otherwise eligible, be granted additional Options or Awards.

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                       (b)  Limitations.   The  aggregate fair market value
(determined  as of the date the Option is granted) of the Shares with respect to
which  Incentive  Stock  Options  are  exercisable  for the  first  time by each
Employee  during any calendar year (under all Incentive  Stock Option Plans,  as
defined in Section 422A of the Code,  of Winton or any present or future  Parent
or  Subsidiary  of  Winton)  shall  not  exceed  $100,000.  Notwithstanding  the
preceding  provisions  of this  Section 5, the  Committee  may grant  Options in
excess of the foregoing limitations; provided, however, that such excess Options
shall be  clearly  and  specifically  designated  as not being  Incentive  Stock
Options.

                  6. Term of Plan. The Plan shall continue in effect for a term
of ten (10) years from the Effective Date, unless earlier terminated pursuant to
Section 18. No Option shall be granted under the Plan after ten (10) years from
the Effective Date.

                  7. Terms and Conditions of Incentive Stock Options. Incentive
Stock Options may be granted only to Participants who are Employees. Each
Incentive Stock Option granted pursuant to the Plan shall be evidenced by an
instrument in such form as the Committee shall from time to time approve. Each
and every Incentive Stock Option granted pursuant to the Plan shall comply with,
and be subject to, the following terms and conditions:

                           (a)      Option Price.

                                    (i) The price per Share at which each
                  Incentive Stock Option granted under the Plan may be exercised
                  shall not, as to any Particular Incentive Stock Option, be
                  less than the fair market value of the Common Stock at the
                  time such Incentive Stock Option is granted. For such
                  purposes, if the Common Stock is traded otherwise than on a
                  national securities exchange at the time of the granting of an
                  Option, then the price per share of the Optioned Stock shall
                  be not less than the mean between the bid and asked price on
                  the date the incentive Stock Option is granted or, if there is
                  no bid and asked price on such date, then on the next prior
                  business day on which there was a bid and asked price.

                                    (ii) If no such bid and asked price is
                  available, then the price per Share shall be determined by the
                  Committee. If the Common Stock is listed on a national
                  securities exchange at the time of the granting of an
                  Incentive Stock Option, then the price per Share shall be not
                  less than the average of the highest and lowest selling price
                  on such exchange on the date such Incentive Stock Option is
                  granted or, if there were no sales on such date, then the
                  option price shall be not less than the mean between the bid
                  and asked price on such date.

                                    (iii) In the case of an Employee who owns
                  Common Stock representing more than ten percent (10%) of the
                  Outstanding Common Stock at the time the Incentive Stock
                  Option is granted, the Incentive Stock Option price shall not
                  be less than one hundred and ten percent (110%) of the fair
                  market value of the Common Stock at the time the Incentive
                  Stock Option is granted

                           (b)    Payment. Full payment for each Share of Common
Stock  purchased  upon the exercise of any Incentive  Stock Option granted under
the Plan  shall be made at the time of  exercise  of each such  Incentive  Stock
Option  and shall be paid in cash,  Common  Stock or a  combination  of cash and

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Common Stock.  Common Stock utilized in full or partial  payment of the exercise
price shall be valued at its fair market value at the date of  exercise.  Winton
shall  accept  full or  partial  payment  in  Common  Stock  only to the  extent
permitted  by  applicable  law. No Shares of Common  Stock shall be issued until
full payment therefor has been received by Winton and no Optionee shall have any
of the rights of a Shareholder of Winton until Shares of Common Stock are issued
to such Optionee.

                           (c)   Term of Incentive Stock Option. The term of
each Incentive Stock Option granted  pursuant to the Plan shall be not more than
ten (10)  years  from the date  each such  Incentive  Stock  Option is  granted;
provided,  however,  that in the case of an Employee who owns a number of Shares
representing  more  than 10% of the  Common  Stock  outstanding  at the time the
Incentive  Stock Option is granted the term of the Incentive  Stock Option shall
not exceed five (5) years.

                           (d)   Exercise Generally. Except as otherwise
provided in Section 9 hereof,  no Incentive Stock Option may be exercised unless
the  Optionee  shall have been in the  employ of Winton at all times  during the
period  beginning with the date of grant of any such Incentive  Stock Option and
ending on the date which is three (3) months  before the date of exercise of any
such Incentive Stock Option. The Committee may impose additional conditions upon
the  right of an  Optionee  to  exercise  any  Incentive  Stock  Option  granted
hereunder as long as such conditions are not inconsistent  with the terms of the
Plan or the  requirements  for  qualification as an Incentive Stock Option under
Section 422A of the Code.

                           (e)   Transferability. Any Incentive Stock Option
granted pursuant to the Plan shall be exercised  during any Optionee's  lifetime
only by the Optionee to whom such Option is granted and shall not be  assignable
or  transferable  otherwise  than  by  will  or  by  the  laws  of  descent  and
distribution.

                  8. Terms and Conditions of Non-incentive Stock Options. Each
Non- incentive Stock Option granted pursuant to the Plan shall be evidenced by
an instrument in such form as the Committee shall from time to time approve.
Each and every Non-incentive Stock Option granted pursuant to the Plan shall
comply with and be subject to the following terms and conditions:

                           (a)  Option Price. The exercise price per Share of
Common Stock for each  Non-incentive  Stock Option granted  pursuant to the Plan
shall be such price as the Committee may determine in its sole discretion.

                           (b)  Payment. Full payment for each Share of Common
Stock  purchased  upon the exercise of any  Non-incentive  Stock Option  granted
under the Plan shall be made at the time of exercise of each such  Non-incentive
Stock Option and shall be paid in cash,  Common Stock or a  combination  of cash
and Common  Stock.  Common  Stock  utilized  in full or  partial  payment of the
exercise price shall be valued at its fair market value at the date of exercise.
Winton shall  accept full or partial  payment in Common Stock only to the extent
permitted  by  applicable  law. No Shares of Common  Stock shall be issued until
full payment therefor has been received by Winton and no Optionee shall have any
of the rights of a  shareholder  of Winton  until the Shares of Common Stock are
issued to such Optionee.

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                           (c)  Term of Non-incentive Stock Option. The term of
each  Non-incentive  Stock Option granted pursuant to the Plan shall not be more
than ten (10)  years  from the date  each  such  Non-incentive  Stock  Option is
granted;  provided,  however, that, in the case of an Employee who owns a number
of Shares representing more than 10% of the Common Stock outstanding at the time
the Non-incentive  Stock Option is granted,  the term of the Non-incentive Stock
Option shall not exceed five (5) years.

                           (d)  Exercise Generally. The Committee may impose
such conditions upon the right of any participant to exercise any  Non-incentive
Stock Option granted  hereunder as long as such conditions are not  inconsistent
with the terms of the Plan.

                           (e)  Transferability. Any Non-incentive Stock Option
granted pursuant to the Plan shall be exercised  during any Optionee's  lifetime
only by the Optionee to whom such Option is granted and shall not be  assignable
or  transferable  otherwise  than  by  will  or  by  the  laws  of  descent  and
distribution.

                  9.       Effect of Termination of Employment. Disability or
Death on Incentive Stock Options.

                           (a)   Termination of Employment In the event that any
Optionee's  employment  by Winton  shall  terminate  for any reason,  other than
permanent and total  disability (as such term is defined in Section  22(e)(3) of
the Code) or death all of any such Optionee's Incentive Stock Options and all of
any such  Optionee's  rights to  purchase  or  receive  Shares  of Common  Stock
pursuant thereto shall  automatically  terminate on the date of such termination
of employment; provided, however, that no termination of an Optionee's Incentive
Stock  Options shall occur in the event that (i) the  Committee  authorizes  the
Optionee to exercise  any such  Incentive  Stock  Options at any time before the
earlier  of (I) the  respective  expiration  dates of any such  Incentive  Stock
Options or (II) the  expiration of not more than three (3) months after the date
of such termination of employment and (ii) the Optionee was entitled to exercise
any such Incentive Stock Options at the date of such  termination of employment.
In the  event  that a  Subsidiary  ceases  to be a  Subsidiary  of  Winton,  the
employment of all of its Employees who are not immediately  thereafter Employees
of Winton shall be deemed to terminate  upon the date such  Subsidiary so ceases
to be a Subsidiary of Winton.

                           (b)   Disability.  In the event that any Optionee's
employment  by Winton shall  terminate as the result of the  permanent and total
disability of such Optionee and the Optionee was entitled to exercise  Incentive
Stock Options at the date of such  termination of employment,  such Optionee may
exercise any Incentive  Stock Options granted to him pursuant to the Plan at any
time prior to the  earlier of (i) the  respective  expiration  dates of any such
Incentive Stock Options or (ii) the date of which is one (1) year after the date
of such termination of employment.

                           (c)    Death.   In the event of the death of any
Optionee on a date on which the  Optionee  was  entitled  to  exercise  any such
Incentive  Stock  Options,  any  Incentive  Stock  Options  granted  to any such
Optionee may be exercised by the person or persons to whom the Optionee's rights
under any such  Incentive  Stock  Options pass by will or by the laws of descent
and  distribution   (including  the  Optionee's  estate  during  the  period  of

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administration)  at  any  time  prior  to the  earlier  of  (i)  the  respective
expiration  dates of any such Incentive  Stock Options or (ii) the date which is
six (6) months  after the date of death of such  Optionee  (or such later period
not exceeding one (1) year to which the Committee may, in its discretion, extend
such period). For purposes of this Section 9(c), any Incentive Stock Option held
by an Optionee  shall be considered  exercisable at the date of his death if the
only unsatisfied  condition  precedent to the  exercisability  of such Incentive
Stock Option at the date of death is the passage of a specified period of time.

                           (d)   Termination of Incentive Stock Options. To the
extent that any  Incentive  Stock Option  granted under the Plan to any Optionee
whose  employment by Winton  terminates shall not have been exercised within the
applicable  period set forth in this Section 9, any such Incentive Stock Option,
and all rights to purchase or receive  shares of Common Stock  pursuant  thereto
shall terminate on the last date of the applicable period.

                  10.      Effect of Termination of Employment. Disability or
Death on Non- incentive Stock Options. The terms and conditions of Non-incentive
Stock  Options  relating  to the  effect  of the  termination  of an  Optionee's
employment,  disability  of an  Optionee  or his death  shall be such  terms and
conditions as the Committee shall, in its sole discretion, determine at the time
of termination.

                  11.      Right of Repurchase and Restrictions on Disposition.
The Committee,  in its sole discretion,  may include, as a term of any Incentive
Stock Option or Non-incentive Stock Option, the right (herein referred to as the
"Repurchase Right"), but not the obligation,  to repurchase all or any amount of
the Shares acquired by an Optionee pursuant to the exercise of any such Options.
The intent of the Repurchase  Right is to encourage the continued  employment of
the  Optionee.  The  Repurchase  Right shall provide for,  among other terms,  a
specified  duration of the Repurchase  Right, a specified  price per Share to be
paid  upon  the  exercise  of the  Repurchase  Right  and a  restriction  on the
disposition  of the Shares by the Optionee  during the period of the  Repurchase
Right.  The Repurchase  Right may permit Winton to transfer or assign such right
to another party.  Winton may exercise the  Repurchase  Right only to the extent
permitted by applicable law.

                  12.      Stock Appreciation Rights. A Stock Appreciation Right
shall, upon its exercise, entitle the Participant to whom such Stock
Appreciation Right is granted, to receive a number of Shares or cash or
combination thereof, as the Committee in its discretion shall determine, the
aggregate value of which (i.e., the sum of the amount of cash and/or the fair
market value of such Shares on the date of exercise) shall equal (as nearly as
possible) the amount by which the fair market value per Share on the date of
such exercise shall exceed the exercise price of such Stock Appreciation Right,
multiplied by the number of Shares with respect to which such Stock Appreciation
Right shall have been exercised. A Stock Appreciation Right may be Related to an
Option or may be granted independently of any Option and the Committee shall
determine whether and to what extent a Related Stock Appreciation Right shall be
granted with respect thereto; provided, however, that notwithstanding any other
provision of the Plan, in the event that the Related Option is an Incentive
Stock Option, the Related Stock Appreciation right shall satisfy all the
restrictions and limitations of Section 7 hereof as if such Related Stock
Appreciation Right were an Incentive Stock Option. In the case of a Related

<PAGE>

Option, such Related Option shall cease to be exercisable to the extent of the
Shares with respect to which the Related Stock Appreciation Right was exercised.
Upon the exercise or termination of a Related Option, any Related Stock
Appreciation Right shall terminate to the extent of the Shares with respect to
which the Related Option was exercised or terminated.

                  13.      Recapitalization. Merger. Consolidations Change in
Control and Similar Transactions.

                           (a)   Adjustment. Subject to any required action by
the  Shareholders of Winton,  the aggregate number of Shares of Common Stock for
which  Stock  Options may be granted  hereunder,  the number of Shares of Common
Stock  covered by each  outstanding  Option and the exercise  price per Share of
Common Stock of each such Stock Option shall all be proportionately adjusted for
any  increase  or  decrease  in the number of issued and  outstanding  Shares of
Common Stock  resulting  from a subdivision  or  consolidation  of Shares or the
payment of a stock dividend (but only on the Common Stock) or any other increase
or decrease in the number of such Shares of Common  Stock  effected  without the
receipt of consideration by Winton.

                           (b)   Change in Control. All Outstanding Options
shall  become  immediately  exercisable  in the event of a change in  control or
imminent  change in control of  Winton,  as  determined  by the  Committee.  For
purposes of this Section,  change in control shall mean: (i) the execution of an
agreement for the sale of all, or a material  portion,  of the assets of Winton;
(ii) the execution of an agreement for a merger or recapitalization of Winton or
any merger or recapitalization whereby Winton is not the surviving entity; (iii)
a change of control of Winton,  as defined or determined by the Office of Thrift
Supervision  in the  United  States  Department  of the  Treasury;  or (iv)  the
acquisition,  directly or indirectly,  of the beneficial  ownership  (within the
meaning of the term "beneficial ownership" as defined under Section 13(d) of the
Securities  Exchange  Act of  1934  and the  rules  promulgated  thereunder)  of
twenty-five percent (25%) or more of the outstanding voting securities of Winton
by any person,  trust, entity or group. For purposes of this Section,  "imminent
change in control" shall refer to any offer or announcement, oral or written, by
any person or any persons acting as a group, to acquire control of Winton.

                           (c)   Extraordinary Corporate Action. Subject to any
required  action by the  shareholders  of Winton,  in the event of any change in
control, recapitalization,  merger, consolidation, exchange of shares, spin-off,
reorganization,  tender  offer,  liquidation  or other  extraordinary  corporate
action or event, the Committee,  in its sole  discretion,  shall have the power,
before or subsequent to such action or event, to:

                                    (i) Adjust as appropriate the number of
                  Shares of Common Stock subject to each Option, the exercise
                  price per Share of Common Stock and the consideration to be
                  given or received by Winton upon the exercise of any
                  outstanding Option;

                                    (ii) Cancel any or all previously granted
                  Options; provided, however, that appropriate consideration is
                  paid to the Optionee in connection therewith; and/or

                                    (iii) Make such other adjustments in
                  connection with the Plan as the Committee, in its sole

<PAGE>
                  discretion, deems necessary, desirable, appropriate or
                  advisable; provided, however, that no action shall be taken by
                  the Committee which would cause Incentive Stop Options granted
                  pursuant to the Plan to fail to meet the requirements of
                  Section 422A of the Code.

Except as expressly provided in Section 13(a) and 13(b) hereof, no Optionee
shall have any rights by reason of the occurrence of any of the events described
in this Section 13.

                           (d)   Acceleration. The Committee shall at all times
have the power to  accelerate  the exercise date of Options  previously  granted
under the Plan.

                  14.      Time of Granting Options. The date of grant of an
Option  under  the Plan  shall,  for all  purposes,  be the  date on  which  the
Committee  makes  the  determination  to  grant  such  Option.   Notice  of  the
determination  shall be given to each  employee  to whom an Option is so granted
within a reasonable time after the date of such grant.

                  15.      Effective Date. The Plan shall become effective upon
the  completion of the  conversion  of The Winton  Savings and Loan Company from
mutual to stock form.

                  16.      Approval by Shareholders. The Plan shall be approved
by the  Shareholders  of The Winton  Savings and Loan Company within twelve (12)
months before or after the date it becomes effective.

                  17.      Modification of Options. At any time and from time to
time, the Board may authorize the Committee to direct the execution of an
instrument providing for the modification of any outstanding Option; provided,
however, that no such modification, extension or renewal shall confer on the
holder of such Option any right or benefit which could not be conferred on him
by the grant of a new Option at such time and shall not materially decrease the
Optionee's benefits under the Option without the consent of the holder of the
Option, except as otherwise permitted under Section 18 hereof.

                  18.      Amendment and Termination of the Plan.

                           (a)    Action by the Board. The Board may alter
suspend or discontinue the Plan, except that no action of the Board may increase
(other than as provided in Section 13) the maximum number of Shares permitted to
be  optioned  under the Plan,  materially  increase  the  benefits  accruing  to
Participants under the Plan or materially modify the requirement for eligibility
for  participation  in the Plan unless such action of the Board shall be subject
to approval or ratification by the shareholders of Winton.

                           (b)    Change in Applicable Law. Notwithstanding any
other  provision  contained in the Plan, in the event of a change in any federal
or state law, rule or regulation which would make the exercise of all or part of
any previously granted Incentive Stock Option and/or  Non-incentive Stock Option
unlawful or subject  Winton to any penalty,  the Committee may restrict any such
exercise without the consent of the Optionee or other holder thereof in order to
comply with any such law, rule or regulation or to avoid any such penalty.

                  19.     Conditions upon Issuance of Shares. Shares shall not
be issued with respect to any Option  granted under the Plan unless the issuance
and delivery of such Shares shall comply with all relevant provisions of law,

<PAGE>

including, without limitation, the Securities Act of 1933, as amended, the rules
and regulations promulgated thereunder, any applicable state securities law and
the requirements of any stock exchange upon which the Shares may then be listed.
The inability of Winton to obtain from any regulatory body or authority deemed
by Winton's counsel to be necessary for the lawful issuance and sale of any
Shares hereunder shall relieve Winton of any liability in respect of the
non-issuance or sale of such Shares. As a condition to the exercise of an
Option, Winton may require the person exercising the Option to make such
representations and warranties as may be necessary to assure the availability of
an exemption from the registration requirement of federal or state securities
law.

                  20.      Reservation of Shares. During the term of the Plan,
Winton will reserve and keep available a number of Shares  sufficient to satisfy
the requirements of the Plan.

                  21.      Unsecured Obligation. No Participant under the Plan
shall have any interest in any fund or special  asset of Winton by reason of the
Plan or the grant of any Incentive Stock Option or Non-incentive Stock Option to
him under the Plan. No trust fund shall be created in  connection  with the Plan
or any  grant of any  Incentive  Stock  Option  or  Non-Incentive  Stock  Option
hereunder  and there  shall be no required  funding of amounts  which may become
payable to any Participant.

                  22.      Withholding Tax.  Winton shall have the right to
deduct from all  amounts  paid in cash with  respect to the  exercise of a Stock
Appreciation  Right under the Plan any taxes required by law to be withheld with
respect to such cash  payments.  Where a Participant or other person is entitled
to receive  Shares  pursuant to the exercise of an Option or Stock  Appreciation
Right  pursuant  to the  Plan,  Winton  shall  have  the  right to  require  the
Participant  or such other  person to pay  Winton the amount of any taxes  which
Winton is required to withhold with respect to such Shares, or, in lieu thereof,
to sell without  notice a number of such Shares  sufficient  to cover the amount
required to be withheld.

                  23.      Governing Law. The Plan shall be governed by and
construed in accordance with the laws of the State of Ohio, except to the extent
that Federal law shall be deemed to apply.EXHIBIT 10.6

                              EMPLOYMENT AGREEMENT

         THIS EMPLOYMENT AGREEMENT (hereinafter referred to as this
"AGREEMENT"), entered into this 1st day of June, 2001, by and among Winton
Financial Corporation, a savings and loan holding company incorporated under
Ohio law (hereinafter referred to as "WFC"), The Winton Savings and Loan Co., a
savings and loan association incorporated under Ohio law and a wholly-owned
subsidiary of WFC (hereinafter referred to as "WINTON"), and Robert L. Bollin,
an individual (hereinafter referred to as the "EMPLOYEE");

                                   WITNESSETH:

         WHEREAS,  the EMPLOYEE is currently  employed as  President  of WFC and
WINTON  (hereinafter  collectively referred to as the "EMPLOYERS");

         WHEREAS, as a result of the skill, knowledge and experience of the
EMPLOYEE, the Boards of Directors of the EMPLOYERS desire to retain the services
of the EMPLOYEE as the President of WINTON and of WFC;

         WHEREAS, the EMPLOYEE desires to continue to serve as the President of
WINTON and of WFC; and

         WHEREAS, the EMPLOYEE and the EMPLOYERS desire to enter into this
Agreement to set forth the terms and conditions of the employment relationship
between the EMPLOYERS and the EMPLOYEE;

         NOW, THEREFORE, in consideration of the premises and mutual covenants
herein contained, the EMPLOYERS and the EMPLOYEE hereby agree as follows:

         Section l. Employment and Term. Upon the terms and subject to the
conditions of this AGREEMENT, the EMPLOYERS hereby employ the EMPLOYEE, and the
EMPLOYEE hereby accepts employment, as the President of WINTON and of WFC. The
term of this AGREEMENT shall commence on June 1, 2001 and shall end on June 1,
2004 (hereinafter referred to as the "TERM'').

         Section 2.        Duties of EMPLOYEE.

         (a) General Duties and Responsibilities. As an officer of each of the
EMPLOYERS, the EMPLOYEE shall perform the duties and responsibilities customary
for such office to the best of his ability and in accordance with the policies
established by the Boards of Directors of the EMPLOYERS and all applicable laws
and regulations. The EMPLOYEE shall perform such other duties not inconsistent
with his position as may be assigned to him from time to time by the Boards of

<PAGE>

Directors of the EMPLOYERS; provided, however, that the EMPLOYERS shall employ
the EMPLOYEE during the TERM in a senior executive capacity without diminishment
of the importance or prestige of his position.

         (b) Devotion of Entire Time to the Business of the EMPLOYERS. The
EMPLOYEE shall devote his entire productive time, ability and attention during
normal business hours throughout the TERM to the faithful performance of his
duties under this AGREEMENT. The EMPLOYEE shall not directly or indirectly
render any services of a business, commercial or professional nature to any
person or organization without the prior written consent of the Boards of
Directors of the EMPLOYERS; provided, however, that the EMPLOYEE shall not be
precluded from (i) vacations and other leave time in accordance with Section
3(e) hereof; (ii) reasonable participation in community, civic, charitable or
similar organizations; or (iii) the pursuit of personal investments which do not
interfere or conflict with the performance of the EMPLOYEE'S duties to the
EMPLOYERS.

         Section 3.        Compensation, Benefits and Reimbursements.

         (a) Salary. The EMPLOYEE shall receive during the TERM an annual salary
payable in equal installments not less often than monthly. The amount of such
annual salary shall be $208,500 until changed by the Boards of Directors of the
EMPLOYERS in accordance with Section 3(b) of this AGREEMENT.

         (b) Annual Salary Review. In December of each year throughout the TERM,
the annual salary of the EMPLOYEE shall be reviewed by the Boards of Directors
of the EMPLOYERS and shall be set, effective January l of the following year, at
an amount not less than $208,500, based upon the EMPLOYEE'S individual
performance and the overall profitability and financial condition of the
EMPLOYERS (hereinafter referred to as the "ANNUAL REVIEW"). The results of the
ANNUAL REVIEW shall be reflected in the minutes of the Boards of Directors of
the EMPLOYERS.

         (c) Expenses. In addition to any compensation received under Section
3(a) or (b) of this AGREEMENT, the EMPLOYERS shall pay or reimburse the EMPLOYEE
for all reasonable travel, entertainment and miscellaneous expenses incurred in
connection with the performance of his duties under this AGREEMENT. Such
reimbursement shall be made in accordance with the existing policies and
procedures of the EMPLOYERS pertaining to reimbursement of expenses to senior
management officials.

         (d)      Employee Benefit Program.

                 (i) During the TERM, the EMPLOYEE shall be entitled to
         participate in all formally established employee benefit, bonus,
         pension and profit-sharing plans and similar programs that are
         maintained by the EMPLOYERS from time to time, including programs in
         respect of group health, disability or life insurance, reimbursement of
         membership fees in civic, social and professional organizations and all
         employee benefit plans or programs hereafter adopted in writing by the
         Boards of Directors of the EMPLOYERS, for which senior management
         personnel are eligible, including any employee stock ownership plan,
         stock option plan or other stock benefit plan (hereinafter collectively
         referred to as the "BENEFIT PLANS"). Notwithstanding the foregoing

<PAGE>

         sentence, the EMPLOYERS may discontinue or terminate at any time any
         such BENEFIT PLANS, now existing or hereafter adopted, to the extent
         permitted by the terms of such plans and shall not be required to
         compensate the EMPLOYEE for such discontinuance or termination.

                  (ii) After the expiration of the TERM or the termination of
         the employment of the EMPLOYEE for any reason other than JUST CAUSE (as
         defined hereinafter), the EMPLOYERS shall provide a group health
         insurance program in which the EMPLOYEE and his spouse will be eligible
         to participate until both the EMPLOYEE and his spouse become 65 years
         of age; provided, however that all premiums for such program shall be
         paid by the EMPLOYEE and/or his spouse after the EMPLOYEE'S retirement;
         provided further, however, that the EMPLOYEE and his spouse may only
         participate in such program for as long as the EMPLOYERS make available
         an employee group health insurance program which permits the EMPLOYERS
         to make coverage available for similarly situated retirees.

         (e)      Vacation  and Sick Leave.  The  EMPLOYEE  shall be  entitled,
without loss of pay, to be absent voluntarily from the performance of his duties
under this AGREEMENT, subject to the following conditions:

                  (i) The EMPLOYEE shall be entitled to an annual vacation in
         accordance with the policies periodically established by the Boards of
         Directors of the EMPLOYERS for senior management officials of the
         EMPLOYERS, the duration of which shall not be less than four weeks each
         calendar year;

                  (ii) Vacation time shall be scheduled by the EMPLOYEE in a
         reasonable manner and shall be subject to approval by the Boards of
         Directors of the EMPLOYERS. The EMPLOYEE shall not be entitled to
         receive any additional compensation from the EMPLOYERS in the event of
         his failure to take the full allotment of vacation time in any calendar
         year; provided, however, that a maximum of one week of unused vacation
         time in any calendar year may be carried over into any succeeding
         calendar year; and

                  (iii) The EMPLOYEE shall be entitled to annual sick leave as
         established by the Boards of Directors of the EMPLOYERS for senior
         management officials of the EMPLOYERS. In the event that any sick leave
         time shall not have been used during any calendar year, such leave
         shall accrue to subsequent calendar years, only to the extent
         authorized by the Boards of Directors of the EMPLOYERS. Upon
         termination of employment, the EMPLOYEE shall not be entitled to
         receive any additional compensation from the EMPLOYERS for unused sick
         leave.

<PAGE>
         Section 4.        Termination of Employment.

         (a) General. The employment of the EMPLOYEE shall terminate at any time
during the TERM (i) at the option of the EMPLOYERS, upon the delivery by the
EMPLOYERS of written notice of termination to the EMPLOYEE, or (ii) at the
option of the EMPLOYEE, upon delivery by the EMPLOYEE of written notice of
termination to the EMPLOYERS if the present capacity or circumstances in which
the EMPLOYEE is employed are materially adversely changed, including, but not
limited to, a material reduction in responsibilities or authority, the
assignment of duties or responsibilities substantially inconsistent with those
normally associated with the EMPLOYEE'S position described in Section 2(a) of
this AGREEMENT, a change of title, the requirement that the EMPLOYEE regularly
perform his principal executive functions more than thirty-five (35) miles from
his primary office as of the date of this AGREEMENT or the reduction of the
EMPLOYEE'S benefits provided under this AGREEMENT, unless the benefit reductions
are part of a company-wide reduction. The following subsections (I), (II) and
(III) of this Section 4(a) shall govern the obligations of the EMPLOYERS to the
EMPLOYEE upon the occurrence of the events described in such subparagraphs:

                  (I) Termination for JUST CAUSE. In the event that the
         EMPLOYERS terminate the employment of the EMPLOYEE during the TERM
         because of the EMPLOYEE'S personal dishonesty, incompetence, willful
         misconduct, breach of fiduciary duty involving personal profit,
         intentional failure or refusal to perform the duties and
         responsibilities assigned in this AGREEMENT, willful violation of any
         law, rule, regulation or final cease-and-desist order (other than
         traffic violations or similar offenses), conviction of a felony or for
         fraud or embezzlement, or material breach of any provision of this
         AGREEMENT (hereinafter collectively referred to as "JUST CAUSE"), the
         EMPLOYEE shall not receive, and shall have no right to receive, any
         compensation or other benefits for any period after such termination.

                  (II) Termination after CHANGE OF CONTROL. In the event that,
         before the expiration of the TERM and in connection with or within one
         year of a CHANGE OF CONTROL (as defined hereinafter) of either one of
         the EMPLOYERS, the employment of the EMPLOYEE is terminated for any
         reason other than JUST CAUSE or is terminated by the EMPLOYEE as
         provided in Section 4(a)(ii) above, then the following shall occur:

                           (A) The EMPLOYERS shall promptly pay to the EMPLOYEE
                  or to his dependents, beneficiaries or estate an amount equal
                  to the sum of (l) the amount of compensation to which the
                  EMPLOYEE would be entitled for the remainder of the TERM under
                  this AGREEMENT, plus (2) the difference between (x) the
                  product of three, multiplied by the greater of the annual
                  salary set forth in Section 3(a) of this AGREEMENT or the
                  annual salary payable to the EMPLOYEE as a result of any
                  ANNUAL REVIEW, less (xx) the amount paid to the EMPLOYEE
                  pursuant to clause (l) of this subparagraph (A);

         (B) The EMPLOYEE, his dependents, beneficiaries and estate shall
     continue to be covered under all BENEFIT PLANS of the EMPLOYERS at the
     EMPLOYERS' expense as if the EMPLOYEE were still employed under this
     AGREEMENT until the earliest of the expiration of the TERM or the date on
     which the EMPLOYEE is included in another employer's benefit plans as a
     full-time employee; and

<PAGE>

         (C) The EMPLOYEE shall not be required to mitigate the amount of any
     payment  provided for in this  AGREEMENT  by seeking  other  employment  or
     otherwise,  nor  shall  any  amounts  received  from  other  employment  or
     otherwise  by the  EMPLOYEE  offset in any  manner the  obligations  of the
     EMPLOYERS  hereunder,  except as specifically  stated in  subparagraph  (B)
     above.

         In the event that payments pursuant to this subsection (II) would
         result in the imposition of a penalty tax pursuant to Section
         280G(b)(3) of the Internal Revenue Code of 1986, as amended, and the
         regulations promulgated thereunder (hereinafter collectively referred
         to as "SECTION 280G"), such payments shall be reduced to the maximum
         amount which may be paid under SECTION 280G without exceeding such
         limits.

                  (III) Termination Without CHANGE OF CONTROL. In the event that
         the employment of the EMPLOYEE is terminated before the expiration of
         the TERM for any reason other than death, JUST CAUSE or in connection
         with or within one year of a CHANGE OF CONTROL, the EMPLOYERS shall be
         obligated to continue (A) to pay on a monthly basis to the EMPLOYEE,
         his dependents, beneficiaries or estate his annual salary provided
         pursuant to Section 3(a) or (b) of this AGREEMENT until the expiration
         of the TERM and (B) to provide to the EMPLOYEE, his dependents,
         beneficiaries and estate at the EMPLOYERS' expense, health, life,
         disability, and other benefits substantially equal to those being
         provided to the EMPLOYEE at the date of termination of his employment
         until the earliest to occur of the expiration of the TERM or the date
         the EMPLOYEE becomes employed full-time by another employer. In the
         event that payments pursuant to this subsection (III) would result in
         the imposition of a penalty tax pursuant to SECTION 280G, such payments
         shall be reduced to the maximum amount which may be paid under SECTION
         280G without exceeding those limits. The EMPLOYEE shall not be required
         to mitigate the amount of any payment provided for in this AGREEMENT by
         seeking other employment or otherwise, nor shall any amounts received
         from other employment or otherwise by the EMPLOYEE offset in any manner
         the obligations of the EMPLOYERS hereunder, except as specifically
         stated in subparagraph (III)(B) above.

         (b) Death of the EMPLOYEE. The TERM automatically terminates upon the
death of the EMPLOYEE. In the event of such death, the EMPLOYEE'S estate shall
be entitled to receive the compensation due the EMPLOYEE through the last day of
the calendar month in which the death occurred, except as otherwise specified
herein.

         (c) "Golden Parachute"  Provision.  Any payments made to the EMPLOYEE
pursuant to this AGREEMENT,  or otherwise,  are subject to and conditioned  upon
their  compliance with 12  U.S.C.ss.1828(k)  and FDIC regulation 12 C.F.R.  Part
359, Golden Parachute and Indemnification Payments.

         (d) Definition of "CHANGE OF CONTROL". A "CHANGE OF CONTROL" shall mean
any one of the following  events:  (i) the  acquisition of ownership or power to
vote more than 25% of the  voting  stock of  either of the  EMPLOYERS;  (ii) the
acquisition  of the  ability  to  control  the  election  of a  majority  of the
directors of either of the EMPLOYERS; (iii) during any period of two consecutive

<PAGE>

years,  individuals who at the beginning of such period  constitute the Board of
Directors  of WFC or  WINTON  cease  for any  reason  to  constitute  at least a
majority  thereof;  provided,  however,  that any  individual  whose election or
nomination  for  election as a member of the Board of Directors of WFC or WINTON
was approved by a vote of at least  two-thirds of the  directors  then in office
shall be considered  to have  continued to be a member of the Board of Directors
of WFC or WINTON; or (iv) the acquisition by any person or entity of "conclusive
control"  of  WINTON  within  the  meaning  of 12  C.F.R.  ss.574.4(a),  or  the
acquisition by any person or entity of "rebuttable  control"  within the meaning
of 12 C.F.R. ss.574.4(b) that has not been rebutted in accordance with 12 C.F.R.
ss.574.4(c).  For purposes of this  paragraph,  the term  "person"  refers to an
individual  or   corporation,   partnership,   trust,   association,   or  other
organization,  but does not include the  EMPLOYEE and any person or persons with
whom the  EMPLOYEE is "acting in concert"  within the meaning of 12 C.F.R.  Part
574.

         Section 5.    Special Regulatory  Events.   Notwithstanding  Section 4
of this AGREEMENT,  the obligations of the EMPLOYERS to the EMPLOYEE shall be as
follows in the event of the following circumstances:

         (a) If the EMPLOYEE is suspended and/or temporarily prohibited from
participating in the conduct of the EMPLOYERS' affairs by a notice served under
Section 8(e)(3) or (g)(1) of the Federal Deposit Insurance Act (hereinafter
referred to as the "FDIA"), the EMPLOYERS' obligations under this AGREEMENT
shall be suspended as of the date of service of such notice, unless stayed by
appropriate proceedings. If the charges in the notice are dismissed, the
EMPLOYERS may, in their discretion, pay the EMPLOYEE all or part of the
compensation withheld while the obligations in this AGREEMENT were suspended and
reinstate, in whole or in part, any of the obligations that were suspended.

         (b) If the EMPLOYEE is removed and/or permanently prohibited from
participating in the conduct of the EMPLOYERS' affairs by an order issued under
Section 8(e)(4) or (g)(l) of the FDIA, all obligations of the EMPLOYERS under
this AGREEMENT shall terminate as of the effective date of such order; provided,
however, that vested rights of the EMPLOYEE shall not be affected by such
termination.

         (c) If the EMPLOYERS are in default, as defined in Section 3(x)(1) of
the FDIA, all obligations under this AGREEMENT shall terminate as of the date of
default; provided, however, that vested rights of the EMPLOYEE shall not be
affected.

         (d) All obligations under this AGREEMENT shall be terminated, except to
the extent of a determination that the continuation of this AGREEMENT is
necessary for the continued operation of the EMPLOYERS, (i) by the Director of
the Office of Thrift Supervision (hereinafter referred to as the "OTS"), or his
or her designee, at the time that the Federal Deposit Insurance Corporation
enters into an agreement to provide assistance to or on behalf of the EMPLOYERS
under the authority contained in Section 13(c) of the FDIA; or (ii) by the
Director of the OTS, or his or her designee, at any time the Director of the
OTS, or his or her designee, approves a supervisory merger to resolve problems
related to the operation of the EMPLOYERS or when the EMPLOYERS are determined
by the Director of the OTS to be in an unsafe or unsound condition. No vested
rights of the EMPLOYEE shall be affected by any such action.

         Section 6. Consolidation, Merger or Sale of Assets. Nothing in this
AGREEMENT shall preclude the EMPLOYERS from consolidating with, merging into, or

<PAGE>

transferring all, or substantially all, of their assets to another corporation
that assumes all of the EMPLOYERS' obligations and undertakings hereunder. Upon
such a consolidation, merger or transfer of assets, the term "EMPLOYERS" as used
herein, shall mean such other corporation or entity, and this AGREEMENT shall
continue in full force and effect.

         Section 7. Confidential Information. The EMPLOYEE acknowledges that
during his employment he will learn and have access to confidential information
regarding the EMPLOYERS and their customers and businesses. The EMPLOYEE agrees
and covenants not to disclose or use for his own benefit, or the benefit of any
other person or entity, any confidential information, unless or until the
EMPLOYERS consent to such disclosure or use or such information becomes common
knowledge in the industry or is otherwise legally in the public domain. The
EMPLOYEE shall not knowingly disclose or reveal to any unauthorized person any
confidential information relating to the EMPLOYERS, their subsidiaries or
affiliates, or to any of the businesses operated by them, and the EMPLOYEE
confirms that such information constitutes the exclusive property of the
EMPLOYERS. The EMPLOYEE shall not otherwise knowingly act or conduct himself (a)
to the material detriment of the EMPLOYERS, their subsidiaries, or affiliates,
or (b) in a manner which is inimical or contrary to the interests of the
EMPLOYERS.

         Section 8. Nonassignability. Neither this AGREEMENT nor any right or
interest hereunder shall be assignable by the EMPLOYEE, his beneficiaries, or
legal representatives without the EMPLOYERS' prior written consent; provided,
however, that nothing in this Section 8 shall preclude (a) the EMPLOYEE from
designating a beneficiary to receive any benefits payable hereunder upon his
death, or (b) the executors, administrators, or other legal representatives of
the EMPLOYEE or his estate from assigning any rights hereunder to the person or
persons entitled thereto.

         Section 9. No Attachment. Except as required by law, no right to
receive payment under this AGREEMENT shall be subject to anticipation,
commutation, alienation, sale, assignment, encumbrance, charge, pledge or
hypothecation or to execution, attachment, levy, or similar process of
assignment by operation of law, and any attempt, voluntary or involuntary, to
effect any such action shall be null, void and of no effect.

         Section l0.  Binding  Agreement.  This AGREEMENT  shall be binding
upon,  and inure to the benefit of, the  EMPLOYEE  and the  EMPLOYERS  and their
respective permitted successors and assigns.

         Section 11.  Amendment of  AGREEMENT.  This  AGREEMENT  may not be
modified or amended,  except by an instrument  in writing  signed by the parties
hereto.

         Section 12.  Waiver. No term or condition of this AGREEMENT shall be
deemed to have been waived, nor shall there be an estoppel against the
enforcement of any provision of this AGREEMENT, except by written instrument of
the party charged with such waiver or estoppel. No such written waiver shall be
deemed a continuing waiver, unless specifically stated therein, and each waiver
shall operate only as to the specific term or condition waived and shall not
constitute a waiver of such term or condition for the future or as to any act
other than the act specifically waived.

<PAGE>

         Section 13.  Severability. If, for any reason, any provision of this
AGREEMENT is held invalid, such invalidity shall not affect the other provisions
of this AGREEMENT not held so invalid, and each such other provision shall, to
the full extent consistent with applicable law, continue in full force and
effect. If this AGREEMENT is held invalid or cannot be enforced, then any prior
AGREEMENT between the EMPLOYERS (or any predecessor thereof) and the EMPLOYEE
shall be deemed reinstated to the full extent permitted by law, as if this
AGREEMENT had not been executed.

         Section 14.  Headings.  The headings of the  paragraphs  herein are
included  solely for  convenience of reference and shall not control the meaning
or interpretation of any of the provisions of this AGREEMENT.

         Section 15.  Governing Law. This AGREEMENT has been executed and
delivered in the State of Ohio and its validity, interpretation, performance,
and enforcement shall be governed by the laws of this State of Ohio, except to
the extent that federal law is governing.

         Section 16.  Effect of Prior Agreements. This AGREEMENT contains the
entire understanding between the parties hereto and supersedes any prior
employment agreement between the EMPLOYERS and the EMPLOYEE, each of which is
hereby terminated and is of no further force or effect.

         Section 17.  Notices. Any notice or other communication required or
permitted pursuant to this AGREEMENT shall be deemed delivered if such notice or
communication is in writing and is delivered personally or by facsimile
transmission or is deposited in the United States mail, postage prepaid,
addressed as follows:

  If to Winton Financial Corporation and/or The Winton Savings & Loan Company:

                           Winton Financial Corporation
                           5511 Cheviot Road
                           Cincinnati, Ohio  45247-7095

         With copies to:

                           John C. Vorys, Esq.
                           Vorys, Sater, Seymour and Pease LLP
                           Suite 2100, Atrium Two
                           221 East Fourth Street
                           Cincinnati, Ohio  45202

         If to the EMPLOYEE to:

                           Robert L. Bollin
                           3358 Kuliga Park Drive
                           Cincinnati, Ohio  45248

<PAGE>

         IN WITNESS WHEREOF, the EMPLOYERS have caused this AGREEMENT to be
executed by their duly authorized officers, and the EMPLOYEE has signed this
AGREEMENT, each as of the day and year first above written.

Attest:                                          WINTON FINANCIAL CORPORATION

/s/ Jennifer L. Reuter                           By  /s/ William J. Parchman

                                                     its Chairman of the Board

Attest:                                          THE WINTON SAVINGS AND LOAN
CO.

/s/ Kathleen B. Mueller                          By  /s/ William J. Parchman

                                                     its Chairman of the Board

Attest:

/s/ Joe Dowd                                         /s/ Robert L. Bollin
                                                     Robert L. Bollin

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