Document:

Exhibit 10.3  

FIRST AMENDMENT TO
DEFERRED COMPENSATION AGREEMENT 

        This
First Amendment to the Deferred Compensation Agreement between City Savings Bank and
George Koehm effective as of November 1, 2003 (the “Agreement”) is hereby
adopted in accordance with the provisions of Section 10.08 of the Agreement as follows:

	A. 	  	Freezing
of the Agreement as of December 31, 2004.  

	

        With
respect to all benefits vested and earned as of December 31, 2004, under the Agreement by
George Koehm (“Employee”), those benefits shall be governed by the terms of the
Agreement in effect on December 31, 2004. 

	B. 	  	Amendment
of the Agreement Effective January 1, 2005.  

	

        With
respect to all benefits vested or earned on and after January 1, 2005, by Employee under
the Agreement on and after January 1, 2005, those benefits shall be governed by the terms
of the Agreement in effect on December 31, 2004, as amended by the following provisions: 

	  	1.  	  	The
definition of “Change in Control” in Section 1 of the Agreement
               shall be replaced with the following definition:  

	  	
“Change
in Control.” For purposes of this Agreement, the term “Change in Control” shall
mean a change in the ownership or effective control of the Employer, or in the ownership
of a substantial portion of the assets of the Employer, as shall be prescribed by
regulations adopted by the Internal Revenue Service under Section 409A(a)(2)(v) of the
Internal Revenue Code of 1986, as amended (the “Code”) (other than a change of
control resulting from a trustee or other fiduciary holding shares of the capital stock
of the Employer or of City Savings Financial Corporation (the “Holding Company”)
under an employee benefit plan maintained by the Holding Company or by the Employer).  

	  	2.  	  	The
definition of “Disabled” or “Disability” in Section 1 of
               the Agreement shall be replaced with the following definition:  

	  	
“Disabled”
or “Disability” means any medically determinable physical or mental impairment
which can be expected to result in death or to last for a continuous period of not less
than 12 months and which (1) renders Employee unable to engage in any substantial gainful
activity or (2) entitles Employee to income replacement benefits for a period of not less
than three months under an accident and health plan covering employees of the

	

	  	Employer, as
reasonably determined by a duly licensed physician acceptable to the Employer. 

	  	3. 	  	The
last sentence of Section 3.3 shall be amended to read in its entirety           as
follows:  

	  	
The
Retirement Benefit for each calendar year shall be paid within that calendar year in a
single installment or other mutually agreed upon installments. 

	  	4. 	  	A
new Section 3.5 shall be added to read in its entirety as follows:  

	  	
3.5
Reference to Controlled Group. With respect to any benefit payable as a result of
termination of or separation from employment, termination of or separation from employment
shall be determined by reference to the Employer and all members of any controlled group
(determined under Section 414(b) of the Code) or trades or businesses under common control
(determined under Section 414(c) of the Code) that includes the Employer. 

	  	5. 	  	A
new Section 3.6 shall be added to read in its entirety as follows:  

	  	
3.6
Restrictions on Payment to Key Employees. To the extent the Employee is a “key
employee” (as defined in Section 416(i) of the Code determined without regard to
paragraph (5) thereof) of a corporation whose stock is publicly traded on an established
securities market or otherwise, within the meaning of Section 409A(a)(2)(B)(i) of the
Code, no distribution of benefits may commence before the date which is six months after
the Employee’s date of separation from service (or, if earlier, the date of the
Employee’s death). 

	  	6. 	  	Section
5.1 shall be amended to read in its entirety as follows:  

	  	
5.1
Early Retirement Benefit. If a Change in Control of Employer occurs and
Employee’s employment is terminated within two years of the Change in Control, but
prior to January 1, 2027 or Employer directs that such payment be made in connection with
a Change in Control, or if the Employee either resigns or is terminated by Employer
without Cause prior to January 1, 2027, but not earlier than January 1, 2015, Employee
will be entitled to an Early Retirement Benefit consisting 15 annual installments. The
first installment will be 60% of prior 12 months W-2 income, as of the date of termination
or the Change in Control, as applicable. The second and each subsequent installment of
Early Retirement Benefit will be increased by a 3.0% per annum cost of living adjustment
in the same manner as described in Section 3.2. The Early Retirement Benefit will be
payable in annual or other 

	

2

	  	mutually agreed upon convenient installments. Payment of Early
Retirement Benefit will be in lieu of payment of Retirement Benefit or Disability Benefit. 

	

        IN
WITNESS  WHEREOF,  the parties have caused this First Amendment to Deferred  Compensation
 Agreement to be executed this 25th day of May, 2005. 

			CITY SAVINGS BANK

By:    /s/ Thomas F. Swirski
          ——————————————————

          Thomas F. Swirski

Title:  President and Chief Executive Officer

          ——————————————————

			"EMPLOYEE"

/s/ George L. Koehm
——————————————————
George L. Koehm

	

3Exhibit 10.1

                            AGREEMENT BY AND BETWEEN

                                AMCORE Bank, N.A.

                               Rockford, Illinois

                                       and

                  The Office of the Comptroller of the Currency

         AMCORE Bank, N.A., Rockford, Illinois ("Bank") and the Comptroller of
the Currency of the United States of America ("Comptroller") wish to protect the
interests of the depositors, other customers, and shareholders of the Bank, and,
toward that end, wish the Bank to operate safely and soundly and in accordance
with all applicable laws, rules and regulations.

         The Comptroller, through her National Bank Examiner, has examined the
Bank, and her findings are contained in the Report of Examination for the
examination that commenced on September 7, 2004 ("ROE").

         In consideration of the above premises, it is agreed, between the Bank,
by and through its duly elected and acting Board of Directors ("Board"), and the
Comptroller, through her authorized representative, that the Bank shall operate
at all times in compliance with the articles of this Agreement.

                                    ARTICLE I

                                  JURISDICTION
                                  ------------

         (1) This Agreement shall be construed to be a "written agreement
entered into with the agency" within the meaning of 12 U.S.C. Section
1818(b)(1).

         (2) This Agreement shall be construed to be a "written agreement
between such depository institution and such agency" within the meaning of 12
U.S.C. Section 1818(e)(1) and 12 U.S.C. Section 1818(i)(2).

<PAGE>

         (3) This Agreement shall be construed to be a "formal written
agreement" within the meaning of 12 C.F.R. Section 5.51(c)(6)(ii). See 12 U.S.C.
Section 1831i.

         (4) This Agreement shall be construed to be a "written agreement"
within the meaning of l2 U.S.C. Section 1818(u)(1)(A).

         (5) This Agreement shall not cause the Bank to be designated as in
"troubled condition," as set forth in 12 C.F.R. Section 5.51 (c)(6), unless
otherwise informed in writing by the OCC. In addition, this Agreement shall not
affect the Bank's designation as an "eligible bank" for purposes of 12 C.F.R.
Section 5.3(g), unless otherwise informed in writing by the 0CC.

         (6) All reports or plans which the Bank or Board has agreed to submit
to the Assistant Deputy Comptroller pursuant to this Agreement shall be
forwarded to the:

         Robert P. Sejnoha
         Assistant Deputy Comptroller
         Comptroller of the Currency
         Midsize Bank Supervision
         One Financial Place, Suite 2700
         440 South LaSalle Street
         Chicago, Illinois 60605

With copies to:

         Billy J. Lyons
         National Bank Examiner, Examiner In Charge
         Comptroller of the Currency
         Chicago-South Field Office
         7600 County Line Road, Unit 3
         Burr Ridge, Illinois 60527

                                   ARTICLE II

                           CONSUMER COMPLIANCE PROGRAM
                           ---------------------------

         (1) Within ninety (90) days, the Board shall adopt, implement, and
thereafter ensure adherence to a written Consumer Compliance Program designed to
ensure that the Bank is operating in compliance with all applicable consumer

<PAGE>

protection laws, rules and regulations.

This program shall include, but not be limited to:

     (a)  a written description of the duties and responsibilities of the
          compliance officer;

     (b)  adequate internal controls to ensure compliance with consumer
          protection laws, rules, and regulations;

     (c)  at least annual updates of the Bank' s written policies and procedures
          to ensure they remain current as laws and regulations and Bank
          processes and procedures change;

     (d)  a monitoring program to test for compliance with all applicable
          consumer protection laws, rules, and regulations

     (e)  an audit program to ensure that the compliance program is effectively
          implemented;

     (f)  procedures to ensure that exceptions noted in the monitoring and/or
          audit reports are responded to and corrected by the appropriate Bank
          personnel in a timely manner (monitoring and/or audit reports shall
          identify root causes of problems and corrective actions shall be
          directed at those root causes);

     (g)  a program to track and report the status of corrective actions,
          including periodic testing of completed corrective actions to ensure
          implementation and effectiveness;

     (h)  a program to identify and monitor new products and services, both pre-
          and post implementation;

<PAGE>

     (i)  periodic reporting of the results of the consumer compliance
          monitoring and audit to the Board or a committee thereof (reports
          shall include all significant issues even if corrected since the
          previous report and shall not be held pending completion of corrective
          action); and

     (j)  a written program to monitor suspicious activity in the lower risk
          non-cash areas of the Bank.

         (2) Upon adoption, a copy of the program shall be forwarded to the
Assistant Deputy Comptroller for review.

         (3) The Board shall ensure that the Bank has processes, personnel, and
control systems to ensure implementation of and adherence to the programs
developed pursuant to this Article.

                                   ARTICLE III

                               Compliance Staffing
                               -------------------

         (1) Within forty-five (45) days (and within forty-five (45) days of any
subsequent vacancy), the Board shall appoint or employ a capable person to serve
as Compliance Officer who shall be vested with sufficient authority to monitor
and ensure the Bank's compliance with its Consumer Compliance Program, and all
applicable consumer compliance laws and regulations. The Compliance Officer
shall make reports directly to the Board.

         (2) Prior to the appointment or employment of any individual to the
Compliance Officer position, the Board shall submit the name and qualifications
of the proposed officer to the Assistant Deputy Comptroller for a prior written
determination of no supervisory objection.

         (3) Within forty-five (45) days (and within forty-five (45) days of any
subsequent vacancy), the Board shall appoint or employ a capable person to serve

<PAGE>

as Community Reinvestment Act (CRA) Officer who shall be vested with sufficient
authority to monitor and ensure the Bank' s compliance with its Community
Reinvestment Act Program.

         (4) Prior to the appointment or employment of any individual to the CRA
Officer position, the Board shall submit the name and qualifications of the
proposed officer to the Assistant Deputy Comptroller for a prior written
determination of no supervisory objection.

         (5) The requirement to submit information and the provision for a prior
written determination of no supervisory objection in this Article are based on
the authority of 12 U.S.C. Section 1818(b) and do not require the Comptroller or
the Assistant Deputy Comptroller to complete their review and act on any such
information or authority within ninety (90) days.

                                   ARTICLE IV

                                VIOLATIONS OF LAW
                                -----------------

         (1) The Board shall immediately take all necessary steps to ensure that
Bank management corrects each violation of law, rule or regulation cited in the
ROE and in any subsequent Report of Examination. The Board shall provide
quarterly progress reports to the Assistant Deputy Comptroller detailing the
date and manner in which each correction has been effected during that reporting
period.

         (2) Within ninety (90) days, the Board shall adopt, implement, and
thereafter ensure Bank adherence to specific procedures to prevent future
violations as cited in the ROE and shall adopt, implement, and ensure Bank
adherence to general procedures addressing compliance management which
incorporate internal control systems and education of employees regarding laws,
rules and regulations applicable to their areas of responsibility.

         (3) Within ninety (90) days of receipt of any subsequent Report of
Examination which cites violations of law, rule, or regulation, the Board shall

<PAGE>

adopt, implement, and thereafter ensure Bank adherence to specific procedures to
prevent future violations as cited in the ROE and shall adopt, implement, and
ensure Bank adherence to general procedures addressing compliance management
which incorporate internal control systems and education of employees regarding
laws, rules and regulations applicable to their areas of responsibility.

         (4) Upon adoption, a copy of these procedures shall be promptly
forwarded to the Assistant Deputy Comptroller.

         (5) The Board shall ensure that the Bank has policies, processes,
personnel, and control systems to ensure implementation of and adherence to the
procedures developed pursuant to this Article.

                                    ARTICLE V

                                     CLOSING
                                     -------

         (1) Although the Board has agreed to submit certain programs and
reports to the Assistant Deputy Comptroller for review or prior written
determination of no supervisory objection, the Board has the ultimate
responsibility for proper and sound management of the Bank.

         (2) It is expressly and clearly understood that if, at any time, the
Comptroller deems it appropriate in fulfilling the responsibilities placed upon
her by the several laws of the United States of America to undertake any action
affecting the Bank, nothing in this Agreement shall in any way inhibit, estop,
bar, or otherwise prevent the Comptroller from so doing.

         (3) Any time limitations imposed by this Agreement shall begin to run
from the effective date of this Agreement. Such time requirements may be
extended in writing by the Assistant Deputy Comptroller for good cause upon
written application by the Board.

<PAGE>

         (4) The provisions of this Agreement shall be effective upon execution
by the parties hereto and its provisions shall continue in full force and effect
unless or until such provisions are amended in writing by mutual consent of the
parties to the Agreement or excepted, waived, or terminated in writing by the
Comptroller.

         (5) This Agreement is intended to be, and shall be construed to be, a
supervisory "written agreement entered into with the agency" as contemplated by
12 U.S.C. Section 1818(b)(1), and expressly does not form and may not be
construed to form, a contract binding on the OCC or the United States.
Notwithstanding the absence of mutuality of obligation, or of consideration, or
of a contract, the OCC may enforce any of the commitments or obligations herein
undertaken by the Bank under its supervisory powers, including 12 U.S.C. Section
1818(b)(1), and not as a matter of contract law. The Bank expressly acknowledges
that neither the Bank nor the OCC has any intention to enter into a contract.
The Bank also expressly acknowledges that no OCC officer or employee has
statutory or other authority to bind the United States, the U.S. Treasury
Department, the OCC, or any other federal bank regulatory agency or entity, or
any officer or employee of any of those entities to a contract affecting the
OCC's exercise of its supervisory responsibilities. The terms of this Agreement
including this paragraph, are not subject to amendment or modification by any
extraneous expression, prior agreements or prior arrangements between the
parties, whether oral or written.

<PAGE>

         IN TESTIMONY WHEREOF, the undersigned, authorized by the Comptroller,
has hereunto set his hand on behalf of the Comptroller.

/s/ Robert P. Sejnoha                           May 31, 2005
-------------------------------------------     -------------------------------
Robert P. Sejnoha                               Date
Assistant Deputy Comptroller
Midsize Bank Supervision

         IN TESTIMONY WHEREOF, the undersigned, as the duly elected and acting
Board of Directors of the Bank, have hereunto set their hands on behalf of the
Bank.

/s/ Patricia M. Bonavia                         May 31, 2005
-------------------------------------------     -------------------------------
Patricia M. Bonavia                             Date

/s/ Eleanor Doar                                May 31, 2005
-------------------------------------------     -------------------------------
Eleanor Doar                                    Date

/s/ Kenneth E. Edge                             May 31, 2005
-------------------------------------------     -------------------------------
Kenneth E. Edge                                 Date

/s/ John R. Hecht                               May 31, 2005
-------------------------------------------     -------------------------------
John R. Hecht                                   Date

/s/ Bruce W. Lammers                            May 31, 2005
-------------------------------------------     -------------------------------
Bruce W. Lammers                                Date

/s/ Joseph B. McGougan                          May 31, 2005
-------------------------------------------     -------------------------------
Joseph B. McGougan                              Date

/s/ James S. Waddell                            May 31, 2005
-------------------------------------------     -------------------------------
James S. Waddell                                Date

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