Document:

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                                                                    EXHIBIT 10.1

                            FORM OF VOTING AGREEMENT

     This Voting Agreement, dated as of January 6, 2004 (this "Agreement"), is
by and among Community Bank System, Inc., a Delaware corporation ("CBSI"),
Community Bank, N.A., a national banking association ("CBNA"), and the
undersigned shareholder (the "Shareholder") of First Heritage Bank, a
Pennsylvania chartered bank ("First Heritage").

                                    RECITALS

     A. Concurrently with the execution of this Agreement, CBSI, CBNA and First
Heritage entered into an Agreement and Plan of Merger (the "Merger Agreement")
which provides for the merger (the "Merger") of First Heritage with and into
CBNA. Pursuant to the Merger, shares of capital stock of First Heritage will be
converted into merger consideration, consisting of shares of common stock of
CBSI and cash in lieu of fractional shares, on the basis set forth in the Merger
Agreement.

     B. The Shareholder has the legal power to vote, or to direct the voting of
(by law, contract or otherwise), such number of shares of the outstanding common
stock of First Heritage as is indicated on the final page of this Agreement (the
"Shares").

     C. As a material inducement to enter into the Merger Agreement, CBSI
desires the Shareholder to agree, and the Shareholder is willing to agree, to
vote or cause to be voted, as the case may be, the Shares and any other such
shares of capital stock of First Heritage subsequently acquired by the
Shareholder so as to facilitate consummation of the Merger as provided in this
Agreement.

     NOW, THEREFORE, intending to be legally bound, the parties agree as
follows:

     1. Agreement to Vote Shares; Additional Purchases.

          1.1 Agreement to Vote Shares. At every meeting of the shareholders of
First Heritage called with respect to the approval of the Merger Agreement
and/or the Merger, and at every adjournment thereof, and on every action or
approval by written consent of the shareholders of First Heritage with respect
to the approval of the Merger Agreement and/or the Merger, the Shareholder shall
vote, or cause to be voted, the Shares and any New Shares (as defined below) in
favor of adoption and approval of the Merger Agreement and the Merger.

          1.2 Agreement to Retain Shares. The Shareholder shall not transfer,
sell, exchange, pledge or otherwise dispose of or encumber the Shares or any New
Shares; provided, however, that the Shareholder may transfer the Shares if the
transferee, prior to such transfer, executes a voting agreement with respect to
the Shares to be transferred, substantially in the form of this Agreement, and
provides such executed agreement to CBSI.

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          1.3 Additional Purchases. The Shareholder agrees that any shares ("New
Shares") of capital stock of First Heritage that the Shareholder purchases or
with respect to which the Shareholder otherwise acquires the power to vote, or
to direct the voting, after the execution of this Agreement and prior to the
Expiration Date (as defined below) shall be subject to the terms and conditions
of this Agreement to the same extent as if they constituted Shares.

     2. Representations and Warranties of the Shareholder. The Shareholder (i)
has the legal power and authority to vote, or to direct the voting of, the
Shares, which at the date hereof are (except to the extent set forth in a
schedule delivered herewith) free and clear of any liens, options, security
interests or other similar encumbrances; (ii) does not possess the right to
vote, or to direct the voting of, any shares of capital stock of First Heritage
other than the Shares; and (iii) has full power and authority to make, enter
into and carry out the terms of this Agreement.

     3. Additional Documents. The Shareholder hereby covenants and agrees to
execute and deliver any additional documents necessary, including a proxy, in
the reasonable opinion of CBSI, to carry out the purpose of this Agreement. In
the event that the Shareholder grants a proxy to CBSI to vote the Shares and the
New Shares, if any, pursuant to CBSI's request in accordance with the foregoing
sentence, the Shareholder's obligation under this Agreement to vote such shares
in favor of the Merger and/or the Merger Agreement shall be deemed fully
satisfied, unless and until at such time as such proxy is revoked or otherwise
becomes invalid or defective (provided that in each case CBSI notifies the
Shareholder in writing of such revocation, invalidity or defect and provides
instructions to Shareholder consistent with this Agreement).

     4. Termination. This Agreement shall terminate and shall have no further
force or effect as of the earlier to occur of (i) such date and time as the
Merger shall become effective in accordance with the terms and provisions of the
Merger Agreement, or (ii) such date and time as the Merger Agreement shall have
been terminated pursuant to Article VII thereof (the "Expiration Date").

     5. Miscellaneous.

          5.1 Severability. If any term, provision, covenant or restriction of
this Agreement is held by a court of competent jurisdiction to be invalid, void
or unenforceable, then the remainder of the terms, provisions, covenants and
restrictions of this Agreement shall remain in full force and effect and shall
in no way be affected, impaired or invalidated.

          5.2 Binding Effect and Assignment. This Agreement and all of the
provisions hereof shall be binding upon and inure to the benefit of the parties
hereto and their respective successors and permitted assigns, but, except as
otherwise specifically provided herein, neither this Agreement nor any of the
rights, interests or obligations of the parties hereto may be assigned by any of
the parties without prior written consent of the other parties.

          5.3 Amendments and Modification. This Agreement may not be modified,
amended, altered or supplemented except upon the execution and delivery of a
written agreement executed by the parties hereto.

          5.4 Specific Performance; Injunctive Relief. The parties hereto
acknowledge

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that CBSI will be irreparably harmed and that there will be no adequate remedy
at law for a violation of any of the covenants or agreements of the Shareholder
set forth herein. Therefore, it is agreed that, in addition to any other
remedies that may be available to CBSI upon any such violation, CBSI shall have
the right to enforce such covenants and agreements by specific performance,
injunctive relief or by any other means available to CBSI at law or in equity.

          5.5 Notices. All notices, requests, claims, demands and other
communications hereunder shall be in writing and shall be effective (i) when
delivered, if delivered by hand, (ii) the next business day, if sent by
nationally recognized overnight delivery specifying next day delivery, or (iii)
three business days after depositing in the United States mails, if sent by
certified mail, postage prepaid, receipt requested, in each case, addressed to a
party's address set forth below:

     If to CBSI or CBNA:

          Community Bank System, Inc.
          5790 Widewaters Parkway
          DeWitt, New York 13214
          Attention: President and Chief Executive Officer

     With a required copy to:

          Bond, Schoeneck & King, PLLC
          One Lincoln Center
          Syracuse, New York 13202
          Attention: George J. Getman, Esq.

     If to the Shareholder: To the address for notice set forth on the last page
hereof.

     With a required copy to:

          Cozen O'Connor
          1900 Market Street
          Philadelphia, Pennsylvania 19103
          Attention: John J. Cunningham, III, Esq.

or to such other address as any party may have furnished to the other in writing
in accordance herewith.

          5.6 Governing Law. This Agreement shall be governed by, and construed
and enforced in accordance with, the laws of the State of New York (without
regard to the principles of conflict of laws thereof).

          5.7 Entire Agreement. This Agreement contains the entire understanding
of the parties in respect of the subject matter hereof, and supersedes all prior
negotiations and understandings between the parties with respect to such subject
matter.

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          5.8 Counterparts. This Agreement may be executed in several
counterparts, each of which shall be an original, but all of which together
shall constitute one and the same agreement.

          5.9 Effect of Headings. The section headings herein are for
convenience only and shall not affect the construction or interpretation of this
Agreement.

          5.10 Securities Law Matters. CBSI acknowledges and agrees that neither
the execution and delivery of this Agreement by the Shareholder, nor any of the
provisions of this Agreement, shall extinguish, limit or restrict any rights or
remedies under the Securities Act of 1933, as amended, or any applicable state
securities laws that the Shareholder would have had if he entered into this
Agreement in reliance upon the registration/proxy statement filed with the SEC
in connection with the Merger.

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     IN WITNESS WHEREOF, the parties have caused this Voting Agreement to be
duly executed on the date and year first above written.

                            COMMUNITY BANK SYSTEM, INC.

                            By:  _______________________________________________

                            Title: _____________________________________________

                            COMMUNITY BANK, N.A.

                            By:  _______________________________________________

                            Title: _____________________________________________

                            SHAREHOLDER:

                            By: ________________________________________________

                            By: ________________________________________________
                              (All owners must sign if shares are jointly owned)

                            Shareholder's Address for Notice:

                            ____________________________________________________

                            ____________________________________________________

                            ____________________________________________________

                            ________ Shares of First Heritage Common Stock over
                            which the Shareholder has the legal power to vote or
                            direct the voting.

                                        5<PAGE>
                                                                    EXHIBIT 10.2
                                                    FORM OF AFFILIATES AGREEMENT

                                 January 6, 2004

Community Bank System, Inc.
5790 Widewaters Parkway
DeWitt, New York 13214

Dear Ladies and Gentlemen:

     The undersigned is a director, executive officer and/or 10%-or-greater
shareholder of First Heritage Bank, a Pennsylvania chartered bank (the
"Company"), and is the beneficial owner (as defined in Rule 13d-3 under the
Securities Exchange Act of 1934, as amended) of such number of shares (the
"Shares") of common stock, par value $10.00 per share, of the Company ("Company
Common Stock") as is indicated on the last page hereof.

     The undersigned has been made aware that the Company, Community Bank
System, Inc., a Delaware corporation ("CBSI"), and Community Bank, N.A., a
national banking association and a wholly-owned banking subsidiary of CBSI
("CBNA"), have entered into an Agreement and Plan of Merger (the "Merger
Agreement"), providing for the merger of the Company with and into CBNA (the
"Merger"). In order to induce CBSI and CBNA to consummate the Merger, the
undersigned agrees and undertakes, in his or her capacity as a shareholder of
the Company, as follows:

     1. Covenants under Rule 145.

          (a) The undersigned has been advised that the issuance of shares of
common stock, no par value, of CBSI issuable to the undersigned pursuant to the
Merger ("CBSI Common Shares") will be registered under the Securities Act of
1933, as amended (the "Securities Act"), pursuant to a registration statement on
Form S-4 (the "Registration Statement"). The undersigned has also been advised
that the undersigned may be deemed an "affiliate" of the Company at the time the
Merger is submitted to a vote of the shareholders of the Company, as the term
"affiliate" is used in Rule 145 under the Securities Act, and as such, will be
subject to Rule 145 promulgated under the Securities Act. Accordingly, the
undersigned agrees that, subject to CBSI's compliance with its obligations
herein, he or she will not sell or otherwise dispose of any CBSI Common Shares,
except (i) in accordance with Rule 145(d) promulgated under the Securities Act,
(ii) at such time as a registration statement under the Securities Act covering
resales of such CBSI Common Shares is effective, or (iii) in a transaction
which, in the opinion of counsel reasonably satisfactory to CBSI (which opinion
may, but need not, be based upon a "no-action" or interpretative letter from the
staff of the SEC), is not required to be registered under the Securities Act.

          Generally speaking, this means that, in any given three month period
the undersigned may not sell or otherwise dispose of a number of CBSI Common
Shares which exceeds the greater of (i) 1% of the then outstanding number of
CBSI Common Shares, or (ii) the

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average weekly trading volume of CBSI Common Shares during the four weeks
preceding the sale. In addition, any CBSI Common Shares must be sold in a
brokers' transaction or in a direct transaction with a market maker. The
restrictions discussed in this paragraph are only applicable for a one year
period following the closing of the Merger, unless the undersigned becomes an
"affiliate" of CBSI as a result of the Merger or otherwise, in which case the
undersigned will continue to be subject to similar restrictions under Rule 144
promulgated under the Securities Act until at such time as Rule 144(k) becomes
applicable.

          (b) The undersigned understands and agrees that: (i) CBSI is under no
obligation to register the sale, transfer or other disposition of the CBSI
Common Shares under the Securities Act and any applicable state securities laws,
except pursuant to the Registration Statement which will cover only the primary
issuance of the CBSI Common Shares in the Merger; (ii) stop transfer
instructions will be given to the transfer agent of CBSI with respect to the
CBSI Common Shares and there will be placed on the certificate(s) representing
such stock, or any certificate(s) delivered in substitution therefor, a legend
stating in substance:

          "THE SECURITIES REPRESENTED BY THIS CERTIFICATE WERE ISSUED IN A
          TRANSACTION TO WHICH RULE 145 UNDER THE SECURITIES ACT OF 1933 (THE
          "ACT") APPLIES. THE SECURITIES REPRESENTED BY THIS CERTIFICATE MAY BE
          TRANSFERRED ONLY IN ACCORDANCE WITH RULE 145(d) OR PURSUANT TO AN
          EFFECTIVE REGISTRATION STATEMENT OR EXEMPTION FROM REGISTRATION UNDER
          THE ACT."

Unless the transfer by the undersigned is a sale made in conformity with the
provisions of Rule 145(d), or is made pursuant to a registration statement under
the Securities Act or the stop transfer instructions or legends have previously
been terminated or removed, CBSI reserves the right to put an appropriate
Securities Act legend on the certificate issued to a transferee of the
undersigned. CBSI agrees that the stop transfer instructions shall be promptly
terminated and the legend referred to above removed by delivery of substitute
certificates without such legend and the issuance of a letter to CBSI's transfer
agent removing such stop transfer instructions, and the above restrictions on
sale will cease to apply, if (i) two years (or such other period as may be
required by Rule 145(d)(3) under the Securities Act or any successor thereto)
shall have elapsed from the date on which the Effective Time occurs, and the
provisions of such Rule are then available to the undersigned; or (ii) the
undersigned shall have delivered to CBSI (A) a copy of a letter from the staff
of the Commission, or an opinion of counsel experienced in securities law
matters, in form and substance reasonably satisfactory to CBSI or other evidence
reasonably satisfactory to CBSI, to the effect that such legend and/or stop
transfer instructions are not required for purposes of the Securities Act or (B)
reasonably satisfactory evidence or representations that the securities
represented by such certificates are being or have been transferred in a
transaction made in conformity with the provisions of Rule 145 under the
Securities Act or pursuant to an effective registration statement under the
Securities Act.

     Until such time as the stop transfer instructions and legends contemplated
by this Agreement have been terminated and removed, CBSI shall, at its sole
expense, cause to be provided to the transfer agent, upon written request by and
on behalf of the undersigned, an

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opinion of counsel, within 48 hours after all documents and representations
reasonably requested as necessary or appropriate have been delivered to counsel,
confirming the ability of the undersigned to sell, assign or otherwise dispose
of any CBSI Common Shares without registration under the Securities Act in
reliance upon Rule 145 or pursuant to an effective registration statement under
the Securities Act (or if such opinion of counsel is not provided within such
time period, then CBSI shall promptly reimburse the undersigned for the
reasonable cost of the undersigned's obtaining such an opinion from its own
counsel), provided that (i) such proposed transaction can in fact be effected in
compliance with Rule 145 or pursuant to an effective registration statement, and
(ii) the undersigned provides to such counsel any representations reasonably
deemed necessary or appropriate by such counsel to render such an opinion.

     2. Termination. This Agreement shall terminate and shall have no further
force or effect only as of such date and time as the Merger Agreement shall have
been terminated pursuant to its terms.

     3. Remedies. The undersigned acknowledges and agrees that any remedy at law
for breach of the foregoing provisions shall be inadequate and that, in addition
to any other relief which may be available, CBSI shall be entitled to seek
temporary and permanent injunctive relieve without the necessity of proving
monetary damages or posting a bond.

     4. Enforcement. The undersigned represents that he or she has the capacity
to enter into this Agreement and that it is a valid and binding obligation
enforceable against the undersigned in accordance with its terms, subject to
bankruptcy, insolvency and other laws affecting creditor's rights and general
equitable principles.

     5. Severability. If any term, provision, covenant or restriction of this
Agreement is held by a court of competent jurisdiction to be invalid, void or
unenforceable, then the remainder of the terms, provisions, covenants and
restrictions of this Agreement shall remain in full force and effect and shall
in no way be affected, impaired or invalidated.

     6. Current Public Information. CBSI agrees, by accepting this letter, that
for a period of two years after the Effective Time of the Merger (or such other
period as may be required by Rule 145) and thereafter three months after the
undersigned ceases to be an affiliate of CBSI (if applicable) CBSI will make
publicly available with respect to itself "adequate current public information"
as defined in paragraph (c) of Rule 144 under the Securities Act.

     7. No Admission. Execution of this letter shall not be construed as an
admission on the undersigned's part that he or she is an "affiliate" of the
Company as described in this letter or as a waiver of any rights that
undersigned may have to object to any claim that the undersigned is such an
affiliate on or after the date of this letter.

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     IN WITNESS WHEREOF, the undersigned has executed this Agreement as of the
date of first above written.

                                             Very truly yours,

                                             ___________________________________

                                             Name:______________________________

                                             ________ shares of the Company
                                             Common Stock Owned.

Accepted and agreed to as of
the date first above written:

COMMUNITY BANK SYSTEM, INC.

By:___________________________________
   Name:  Sanford A. Belden
   Title: President and Chief Executive Officer

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