Document:

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                                                                    Exhibit 10.6

                        FIRST AMENDMENT TO BUILDING LEASE
                        ---------------------------------

         This FIRST AMENDMENT TO BUILDING LEASE is entered into this 1/st/ day
of January, 2002, by and between the TOWNE SQUARE REALTY, L.L.C., an Illinois
Limited Liability Company, (the "Landlord") and PRIVATE BANK AND TRUST COMPANY,
(the "Tenant") who hereby mutually covenant and agree as follows:

                                    RECITALS:

         WHEREAS, Landlord and Tenant entered into a Building Lease Agreement
(hereinafter the "Building Lease") on August 6, 1999 for the first floor of the
building located on the property commonly known as 24 S. 2/nd/ Street, St.
Charles, Illinois 60174; and,

         WHEREAS, Landlord and Tenant desire to amend said Lease to provide that
the Lease shall cover the entire building in accordance with the terms
hereinafter set forth.

         NOW THEREFORE in exchange for good and valuable consideration, the
receipt of which is acknowledged by the parties, Landlord and Tenant agree that
effective November 1, 2001 the Building Lease is hereby amended as follows:

         1. That in Article 1.1 the definition of the "Leased Premises" is
amended from the "first floor of the building located on the property commonly
known as 24 S. 2/nd/ Street, in the City of St. Charles, Kane County, Illinois",
to "the entire building located on the property commonly known as 24 S. 2/nd/
Street, in the City of St. Charles, Kane County, Illinois.

         2. That in Article 3.2 the monthly Base Rent for the entire "Leased
Premises" (which includes the entire building shall be a total of $13,950.50
(i.e. $9,350.50 for the first floor under the original Building Lease, and
$4,600 for the additional leased space).

         3. That Article 3.3 is amended to provide that commencing November 1,
2001 Tenant shall be responsible for "100%" as opposed to "66.67%" of the
general real estate taxes and "100%" as opposed to "50% of the insurance and
common area maintenance and the utility expenses"

         4. That Articles 5.5, 5.6 and 5.7 are modified to provide that Tenant's
share of the expenses referenced therein shall be "100%" as opposed "50%".

         5. That Tenant shall have the right to terminate this First Amendment
effective the first of any given month by providing 90-days' advanced written
notice to Landlord.

         6. In the event that Landlord elects to sell the building in which the
Leased Premises are located, Landlord shall first provide Tenant with 30-days
advanced written notice of its intent to sell. Within said written notice,
Landlord shall include the asking price for the subject property. Tenant shall
have 30 days from receipt of said notice to determine whether in fact it desires
to acquire the property at the stated price. If Tenant fails to provide Landlord
with written notice of its intent to purchase within said 30-day timeframe, then
Landlord shall be free to sell the property on the open market.

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     7. Landlord agrees to cooperate with Tenant in Tenant's application for a
facade grant from the City of St. Charles for the purpose of defraying the cost
of cosmetically improving the rear facade of the Leased Premises.

     Except as modified herein, the Building Lease shall remain in full force
and effect.

Executed this 1/st/ day of January, 2002

LANDLORD:                                         TENANT:
TOWNE SQUARE REALTY, L.L.C.                       PRIVATE BANK AND TRUST COMPANY

By:   /s/ John Hoscheit                           By: /s/ Gary Collins
   --------------------------------------             --------------------------
     Member and Authorized Agent                       Vice Chairman

                                       2<PAGE>
                                                                   EXHIBIT 10(g)

                                SANDY SPRING BANK
                   EXECUTIVE HEALTH EXPENSE REIMBURSEMENT PLAN
                                   AS AMENDED

                            Effective January 1, 2002

                                    ARTICLE I

1.01    Establishment. Sandy Spring Bank originally established this Executive
Health Expense Reimbursement Plan effective January 1, 1991, for the benefit of
all Eligible Employees, and has amended this Plan effective January 1, 2002.

1.02    Purpose. The Plan enables a Participant to receive reimbursement for
Health Expenses.

        This Plan is not intended to be a health plan within the meaning of
Section 105(e) of the Internal Revenue Code of 1986, as amended, and any
benefits provided hereunder will constitute ordinary income of the Participant.

1.03    Written Plan. This Plan shall serve as the written plan document
required under Section 102 of ERISA, and shall also serve as the summary plan
description required under Section 102 of ERISA.

                                   ARTICLE II

                                   Definitions

        Whenever used in the Plan, the following words and phrases shall have
the meanings set forth below unless the context plainly requires a difference
meaning, and when the defined meaning is intended, the term is capitalized:

2.01    Administrator means the Plan Administrator under Article V.

2.02    Beneficiary means that person, estate or trust designated by the
Participant, pursuant to Section 7.01 hereof.

2.03    Code means the Internal :Revenue Code of 1986, as amended from time to
time, and regulations promulgated thereunder.

2.04    Effective Date means January 1, 1991.

2.05    Employee means a common law employee of the Employer.

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2.06    Eligible Employee means an Employee whom the board of directors of the
Employer (the "Board") has by written resolution determined to be eligible to
participate in the Plan.

2.07    Employer means Sandy Spring Bank.

2.08    Entry Date means the Effective Date and the first day of any calendar
month thereafter.

2.09    ERISA means the Employee Retirement Income Security Act of 1974, as
amended, and regulations promulgated thereunder.

2.10    Health Expense means any expense which is (i), ,treated as a medical
expense under Sect1on 213(d) of the Code, (ii) incurred by the Participant, his
spouse or dependent, and (iii) not covered by insurance or otherwise subject to
indemnity

2.11    Participant means a person Who is an Eligible Employee on or after the
Effective Date and who satisfies the participation conditions of Article 3.

2.12    Plan means the Sandy Spring Bank Executive Health Expense Reimbursement
Plan, as amended from time to time.

2.13    Plan Year means the twelve consecutive month period beginning on January
1 and ending on December 31.

                                   ARTICLE III

                                  Participation

3.01    Eligibility and Participation. Each Eligible Employee who is employed as
of the Effective Date shall become a Participant upon the Effective Date. Each
eligible Employee hired thereafter shall become a Participant on the Entry Date
coincident with or following the commencement of his employment with the
Employer.

3.02    Termination of Participation. A Participant shall cease to be a
Participant as of the earliest of: (a) the date on which the Plan terminates, or
(b) the date on which the Board determines by written resolution that the
Participant is no longer an Eligible Employee. The Participant's retirement from
employment will not automatically terminate his participation in the Plan.

                                   ARTICLE IV

                                    BENEFITS

4.01    Reimbursements. The Employer shall reimburse the Participant for Health
Expenses in accordance with the terms of this Article.

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4.02    Maximum Reimbursable Amounts. The maximum amount of Health Expenses for
which the Employer shall reimburse a Participant shall be: (a) Five Thousand
Dollars ($5,000) in any Plan Year ending before January 1, 2002; and (b) Six
Thousand Five Hundred Dollars ($6,500) for any Plan Year ending after January 1,
2002, in each case reduced by any amounts paid in the Plan Year to the
Participant under the Sandy Spring Bank Executive Health Insurance Plan.

4.03    Reimbursement Procedure. A Participant shall be reimbursed on June 30th
and December 31st of each Plan Year (each such date hereinafter the "Semi-Annual
Reimbursement Date") for his Health Expenses, provided the Participant timely
returns the Semi-Annual Certification that the Administrator may require.

4.04    Form and Amount of Reimbursement. Reimbursement shall be made in the
form of a check payable to a Participant in an amount equal to that amount which
the Participant has demonstrated, through documentation required by the
Administrator pursuant to Section 4.05, to have paid in Health Expenses for the
Plan Year up to the applicable Semi-Annual Reimbursement Date.

4.05    Semi-Annual Certification Form. In order to receive reimbursement for
Health Expenses, a Participant must complete, within a reasonable period of time
prior to each Semi-Annual Reimbursement Date, the Semi-Annual Certification Form
provided to the Participant by the Administrator.

        Information to be provided on the Semi-Annual Certification Form shall
include, but not be limited to: (a) proof of payment during the Plan Year; (b)
the date payment(s) was/were made; (c) to whom the payment was paid; and (d) a
sworn statement that the Participant has not been reimbursed for such Health
Expenses from any other source. In addition, the Administrator may request that
the Participant submit any additional documentation which the Administrator may
require in making a determination that the Participant's claim constitutes a
Health Expense.

4.06    Review of Denials. If any claim under the Plan is wholly or partially
denied, the claimant shall be given notice in writing of such denial within a
reasonable period of time, but not later than 60 days after the claim is filed.
Such notice shall set forth the following information:

        (a)     The specific reason or reasons for the denial;

        (b)     Specific reference to pertinent Plan provisions on which the
                denial is based;

        (c)     A description of any additional material or information
                necessary for the claimant to perfect the claim and an
                explanation of why such material or information is necessary;

        (d)     An explanation that a full and fair review by the Administrator
                of the decision denying. the claim may be requested by the
                claimant or his authorized representative by filing with the
                Administrator, within 90 days after such notice of denial has
                been received, a written request for such review; and

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        (e)     If such request is so filed, the claimant or his authorized
                representative may review pertinent documents and submit issues
                and comments in writing within the same 90 day period specified
                in subsection 4.06 (d) above.

        The decision of the Administrator on review shall be made promptly, but
not later than 60 days after the Administrator's receipt of the request for
review, unless special circumstances require an extension of time for
processing, in which case a decision shall be rendered as soon as possible, but
not later than 120 days after receipt of the request for review. The decision on
review shall be made in writing and shall include specific reasons for the
denial, written in a manner calculated to be understood by the claimant, and
shall include specific references to the pertinent Plan provisions on which the
denial is based.

        Group health plans and health insurance issuers generally may not, under
Federal law, restrict benefits for any hospital length of stay in connection
with childbirth for the mother or newborn child to less than 48 hours following
a vaginal delivery, or less than 96 hours following a cesarean section. However,
Federal law generally does not prohibit the mother's or newborn's attending
provider, after consulting with the mother, from discharging the mother or the
newborn earlier than 48 hours (or 96 hours as applicable). In any case, plans
and issuers may not, under Federal law, require that a provider obtain
authorization from the plan or the issuer for prescribing a length of stay not
in excess of 48 hours (or 96 hours).

                                    ARTICLE V

                                 Administration

5.01    Administration. The Plan shall be administered by the Employer, who
shall be the Administrator and the "Named Fiduciary" for purposes of ERISA.

5.02    Powers of the Administrator. The Administrator shall have the powers
necessary to administer the Plan, including, without limitation:

        (a)     The discretionary power to interpret and enforce the provisions
                of the Plan for the purpose of determining eligibility and
                amount of benefits.

        (b)     The power to administer the Plan for the exclusive benefit of
                the Participants and without discrimination among similarly
                situated Participants.

        (c)     The power to establish and maintain records reflecting the
                reimbursement benefits paid to each Participant.

        (d)     The power to establish rules for administration of the Plan and
                to prescribe any forms required to administer the Plan.

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        (e)     The power to employ agents, attorneys, accountants or other
                persons (who may also be employed by or represent the Employer)
                for such purposes as the Administrator considers necessary
                hereunder.

5.03    Actions of the Administrator. All determinations, interpretations,
rules, and decisions of the Administrator shall be conclusive and binding upon
all persons having or claiming to have any interest or right under the Plan.

5.04    ERISA Employee Rights. Every Participant shall be entitled to certain
rights and protections under ERISA. ERISA provides that all Participants shall
be entitled to:

        (a)     Examine, without charge, at the Administrator's office and
                possibly at other specified locations (such as worksites), all
                Plan documents, including insurance contracts, collective
                bargaining agreements and copies of all documents filed by the
                Plan with the U.S. Department of Labor, such as detailed annual
                reports and Plan descriptions.

        (b)     Obtain copies of all Plan documents and other Plan information
                upon written request to the Administrator. The Administrator may
                require a reasonable charge for the copies.

        In addition to creating rights for Participants, ERISA imposes duties
upon the people who are responsible for the operation of the Plan. The people
who operate the Plan, called "fiduciaries" of the Plan, have a duty to do so
prudently and in the interest of all Plan Participants and beneficiaries. No
one, including the Employer, the Participant's union, if any, or any other
person, may terminate the Participant or otherwise discriminate against the
Participant in any way to prevent such Participant from obtaining a benefit or
exercising his rights under ERISA.

        If a Participant's claim for a benefit is denied in whole or part, the
Participant must receive a written explanation of the reason for the denial. The
participant has the right to have the Plan Administrator review and reconsider
the claim. Under ERISA, there are steps which the Participant can take to
enforce the above rights.

        For instance, if the Participant requests material from the Plan and
does not receive them within 30 days, he may file suit in a Federal court. In
such a case, the court may require the Administrator to provide the materials
and pay such Participant up to $100 a day until such Participant receives the
material, unless the materials were not sent because of reasons beyond the
control of the Administrator.

        If the Participant has a claim for Benefits which is denied or ignored,
in whole or in part, he may file suit in a State or Federal court. If it should
happen that the Participant is discriminated against for asserting his rights,
he may seek assistance from the U.S. Department of Labor, or he may file suit in
a Federal court. The court will decide who should pay court costs and legal
fees. If the Participant is successful, the court may order the person such
Participant has sued to pay these costs and fees. If the Participant loses, the
court may order such Participant to pay these costs and fees, for example, if it
finds the claim is frivolous.

<PAGE>

        If the Participant has any questions about this statement or about his
rights under ERISA, he should contact the nearest Area Office of the U.S. Labor
Management Services Administration, Department of Labor, listed in the telephone
directory or the Division of Technical Assistance and Inquiries, Pension and
Welfare Benefits Administration, U.S. Department of Labor, 200 Constitution
Avenue, NW, Washington, DC 20210.

                                   ARTICLE VI

                            Amendment and Termination

6.01    Amendment. The Employer shall have the right to modify, alter or amend
this Plan from time to time to the extent that it may deem advisable, by
resolution of its Board of Directors. The Board shall have the right to amend
the Plan, with or without retroactive effect, to ensure the compliance of the
Plan with ERISA and qualification of the Plan under the applicable Code
provisions of the appropriate provisions of any subsequent revenue law.

6.02    Termination. The Employer expects the Plan to be permanent, but reserves
the right to terminate the Plan at any time.

                                   ARTICLE VII

                            Miscellaneous Provisions

7.01    Designation of Beneficiaries. Each Participant may designate from time
to time in writing one or more Beneficiaries, who will receive the reimbursement
benefit which the Participant would have received but for his death. If the
Participant dies without having made a Beneficiary designation, the
Administrator shall distribute such reimbursement benefit in the following order
of priority to the deceased Participant's: (a) spouse, (b) lineal descendants,
(c) parents, or (d) estate.

7.02    Applicable Law. The plan and all rights hereunder shall be governed by
and construed according to the laws of the state of Maryland, except to the
extent such laws are preempted by federal law.

7.03    Limitation of Rights. Neither the establishment of the Plan nor any
amendment thereof nor the payment of any benefits shall be construed as giving a
Participant or any other person any legal or equitable right against the
Employer or the Administrator, except as provided herein. This Plan shall not be
deemed to constitute an employment contract between the Employer and any
Participant. Nothing contained, in this Plan shall be deemed to give any
Participant the right to be retained in the service of the Employer or to
interfere with the right of the Employer to discharge any Participant at any
time regardless of the effect such discharge will have upon him as a Participant
in this Plan.

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7.04    Gender and Number. Except as otherwise indicated by context, masculine
terminology used herein also includes the feminine and neuter, and terms used in
the singular may also include the plural.

7.05    Agent for Service of Process. The Administrator's agent for purposes of
service of legal process shall be Ronald E. Kuykendall.

7.06    Plan Information.

        Plan Name:                         Sandy Spring Bank Executive Health
                                           Expense Reimbursement Plan

        Plan Number:                       50__

        Plan Year End:                     December 31

        Method of Funding:                 Employer contributions

        Employer:                          Sandy Spring Bank

        Employer Identification
                 Number:                   _________________________________

Plan Administrator:                        Employer

Employer's Address:                        17801 Georgia Avenue
                                           Olney, Maryland  20832

Employer's Telephone
         Number:                           (301) 774-6400

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        WHEREFORE, the undersigned executes this Amended Plan as of the 1st day
of January, 2002.

                                        SANDY SPRING BANK

Corporate
Seal                                    By:
                                            --------------------------------

                                        Its:
                                            ---------------------------------
Attest:

-------------------------------
Secretary

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