Document:

Exhibit 10.1(c)
                                                                 --------------

                     THIRD AMENDMENT TO EMPLOYMENT AGREEMENT

         This Agreement (the "Amendment") is a Third Amendment to the Employment
Agreement dated September 1, 1999 and as amended by the First Amendment to the
Employment Agreement dated March 6, 2002 and by the Second Amendment dated May
1, 2003 (as amended, the "Agreement") by and between W.T. Wamberg (the
"Executive") and Clark, Inc. (the "Company") which the parties have made and
entered into as of the 1st day of October, 2003.

                                  INTRODUCTION

         WHEREAS, the Executive and the Company are parties to the Agreement
pursuant to which the Company offered employment to the Executive and the
Executive accepted such offer of employment on the terms set forth in the
Agreement;
         WHEREAS, the Company and the Executive have mutually agreed on certain
changes in the Executive's perquisites and other benefits;

         WHEREAS, prior to November 1, 2003, the Company provided the Executive
with participation in a split-dollar life insurance policy under the
C1arklBardes, Inc. Execu-flex Benefit Plan (the "Execu-flex Plan");

         WHEREAS, due to tax and regulatory issues, the Company will no longer
sponsor such split-dollar life insurance as part of the Execu-flex Plan; and

         WHEREAS, in exchange for the split-dollar life insurance benefit under
the Execu-flex Plan, the Company will pay an annual sum to the Executive of
$6,250.

         NOW, THEREFORE, BE IT RESOLVED, in consideration of the mutual
covenants set forth herein, the Company and the Executive hereby agree as
follows:

                               TERMS OF AMENDMENT

         1.       Section 5 shall be amended by adding the following subsection
                  (e):

                  The Company shall pay the Executive during the remaining term
                  of this Agreement, an annual amount of Six Thousand Two
                  Hundred and Fifty dollars ($6,250) payable on or about
                  November 1 of each year to be used to fund employee benefits
                  at the Executive's discretion.

         2.       This Amendment shall be attached to and form a part of the
                  Agreement between the Executive and the Company. Except as
                  modified by the Amendment, the Agreement shall remain in full
                  force and effect without modification. This Amendment may be
                  executed in one or more counterparts, all of which taken
                  together shall constitute one and the same instrument.

<PAGE>

         IN WITNESS WHEREOF, W.T. WAMBERG AND CLARK, INC. HAVE DULY ACKNOWLEDGED
THIS AMENDMENT TO THE EMPLOYMENT AGREEMENT DATED SEPTEMBER 1, 1999, AS AMENDED,
AND ACKNOWLEDGE THAT EACH PARTY HAS READ, UNDERSTANDS AND ACCEPTS THE CONTENTS
OF THIS AMENDMENT, AND THAT EACH PARTY HAS EXECUTED THIS AMENDMENT EFFECTIVE AS
OF THE DATE FIRST WRITTEN ABOVE.

W.T. WAMBERG                                 CLARK, INC.

/s/ W.T. Wamberg                             By: /s/ Thomas M. Pyra
--------------------------------                 -------------------------------
W.T. WAMBERG

                                             Its: Chief Operating Officer
-------------------------------                   ------------------------------
Date
                                             10/23/03
                                             -----------------------------------
                                             Date

                                       2Exhibit 10.2
                                                                   ------------

                         [CLARK CONSULTING LETTERHEAD]

August 29, 2003

Jeffrey W. Lemajeur
[Home address intentionally omitted]

Dear Jeff:

We are pleased to offer you the position of Corporate Controller and Chief
Accounting and Financial Officer with both Clark Consulting Inc. and Clark,
Inc., reporting to the Chief Operating Officer of Clark, Inc. This letter will
summarize the offer of employment.

COMPENSATION
------------

Your bi-weekly salary will be $6,730.76. The position is full-time, and exempt
from overtime. In addition, you may be eligible to receive an annual bonus of up
to 75% of your base salary. The bonus amount is based upon company financial
performance and is in no way guaranteed. The bonus amount, if awarded, will be
prorated based on salary earned during each calendar year. Actual bonus payments
are typically made in March of the year following the year in which the bonus is
earned. You must be an active employee of Clark Consulting at the time of the
bonus payment to receive such payment.

You will receive a stock option grant to purchase 10,000 shares of the Common
Stock of Clark, Inc. at an exercise price per share equal to the fair market
value of such common stock on the date of the grant subject to final approval by
the Company's Board of Directors. The date of the grant will be a date
determined by the Company's Board of Directors. This grant shall be made under
Clark, Inc.'s 1998 Stock Option Plan or a substantially equivalent stock option
plan which will be an Incentive Stock Option (ISO) Plan. Twenty percent (20%) of
these options will be vested on the one year anniversary of the date of grant
with the remaining 80% vesting ratably over the following 4 years, subject to
your continued employment with Clark Consulting.

BENEFITS
--------

Clark Consulting offers a very competitive benefits package and includes among
other things: medical, dental, life, short term and long term disability and
paid time-off (PTO) for vacation and/or sickness. You will receive 17 days of
paid time off (PTO) which will accrue at a monthly rate of 11.33 hours each
month beginning on the first day of the

<PAGE>

month following your date of hire. You may eventually receive higher vacation
accruals based on your years of service with Clark Consulting. Please note that
medical and dental benefits do not commence until the first day of the month
after your hire date. You will also be eligible to participate in the Clark,
Inc. 401(k) Savings Plan. Upon joining our company you will attend a new
employee orientation which will provide you with additional information
regarding our benefits and their respective eligibility requirements,

Additionally, beginning in 2004, you will also be eligible for participation in
the Clark Consulting Execu-flex plan in which the company contributes $15,000
annually to you to allocate according to the current plan options available
which are: tax-deferred accumulation, long-term disability and long-term care
insurance.

CONDITIONS OF OFFER
-------------------

This offer has been based in part on information which you have provided in the
Employment Application and through the interview process. As a condition of
employment, you will be asked to sign the following:

o        Intellectual Property and Confidentiality Agreement

o        W-4 (Federal Income Tax Statement)

o        1-9 (INS Employment Eligibility Verification)

o        Employee Handbook Acknowledgement (Company Policies)

o        Insider Trading Document Acknowledgement

o        The non-qualified stock option agreement which details the 10,000 share
         grant specified on page 1 of this offer letter

On your first day of employment, you will need to bring two forms of
identification for the Employment Eligibility Verification. Please contact the
Human Resources department if you have any questions regarding the proper
identification required.

You will also need to bring a HIPAA (Health Insurance Portability and
Accountability Act) certificate from your former employer.

SUMMARY
-------

Consistent with Clark Consulting's longstanding policy, and notwithstanding
anything that may be interpreted to the contrary, the offer is for at-will
employment meaning that your employment may be terminated by you or Clark
Consulting at any time, without notice and without cause.

<PAGE>

The terms of this offer of employment may not be amended or modified in any
respects without the written agreement of the Chief Operating Officer of Clark,
Inc.

ACCEPTANCE OF OFFER AND START DATE
----------------------------------

We would like to have you start as Corporate Controller and Chief Accounting and
Financial Officer of both Clark Consulting, Inc. and Clark, Inc. on August 29,
2003 or as soon thereafter as possible.

I look forward to a productive and rewarding employment relationship.

Sincerely,

Thomas M. Pyra
Chief Operating OfficerHERITAGE BANCSHARES, INC. AND SUBSIDIARY

                                                                    EXHIBIT 10.1

                           CHANGE OF CONTROL AGREEMENT

      CHANGE OF CONTROL AGREEMENT, dated this 30th day of October, 2003, between
Heritage Bancshares, Inc., a Delaware corporation (the "Corporation"), Heritage
Bank, SSB, a Texas chartered and a wholly owned subsidiary of the Corporation
(the "Bank"), and John H. Mackey (the "Executive").

WITNESSETH

      WHEREAS, the Executive is presently an officer of the Corporation and the
Bank (together the "Employers");

      WHEREAS, the Employers desire to be ensured of the Executive's continued
active participation in the business of the Employers; and

      WHEREAS, in order to induce the Executive to remain in the employ of the
Corporation and Bank (the "Employers") and in consideration of the Executive's
agreeing to remain in the employ of the Employers, the parties desire to specify
the severance benefits which shall be due the Executive in the event that his
employment with the Employers is terminated under specified circumstances;

      NOW THEREFORE, in consideration of the premises and the mutual agreements
herein contained, the parties hereby agree as follows:

      1. Definitions. The following words and terms shall have the meanings set
      forth below for the purposes of this Agreement:

      (a) Base Salary. "Base Salary" shall have the meaning set forth in Section
      3 hereof.

      (b) Change in Control of the Corporation. "Change in Control of the
      Corporation " shall mean the occurrence of any of the following: (i) any
      "person" (as such term is used in Sections 13(d) and 14(d) of the Exchange
      Act) is or becomes the "beneficial owner" (as defined in Rule 13d- under
      the Exchange Act), directly or indirectly, of securities of the
      Corporation representing 25% or more of the combined voting power of the
      Corporation's then outstanding securities; or (ii) a merger,
      consolidation, share exchange, division or other reorganization or
      transaction involving the Corporation is consummated and the voting
      securities of the Corporation outstanding immediately prior thereto do not
      continue to represent (either by remaining outstanding or by being
      converted into voting securities of the surviving entity) at least 50% of
      the combined voting power of the surviving entity immediately after such
      transaction.

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

      (d) Date of Termination. "Date of Termination" shall mean the later of (i)
      the date on which a Notice of Termination is given or (ii) the date
      specified in such Notice.

<PAGE>

                    HERITAGE BANCSHARES, INC. AND SUBSIDIARY

      (e) Good Reason. Termination by the Executive of the Executive's
      employment for "Good Reason" shall mean termination by the Executive
      within two years following a Change in Control of the Corporation where:

            (i)   Without the Executive's express written consent, the failure
                  to elect or to re- elect or to appoint or to re-appoint the
                  Executive to the office of President and Chief Executive
                  Officer of the Employers or a material adverse change made by
                  the Employers in the Executive's functions, duties or
                  responsibilities as President and Chief Executive Officer of
                  the Employers;

            (ii)  Without the Executive's express written consent, a reduction
                  by either of the Employers in the Executive's Base Salary as
                  the same may be increased from time to time;

            (iii) Relocation of the principal executive office of either of the
                  Employers more than 50 statute miles outside of the city
                  limits of Terrell, Texas or, without the Executive's express
                  written consent, either of the Employers requiring the
                  Executive to be based anywhere other than an area in which the
                  Employers' principal executive office is located, except for
                  required travel on business of the Employers to an extent
                  substantially consistent with the Executive's present business
                  travel obligations;

            (iv)  Any purported termination of the Executive's employment which
                  is not effected pursuant to a Notice of Termination satisfying
                  the requirements of paragraph (g) below; or

            (v)   The failure by the Employers to obtain the assumption of and
                  agreement to perform this Agreement by any successor as
                  contemplated in Section 8 hereof.

      (f) IRS. IRS shall mean the Internal Revenue Service.

      (g) Notice of Termination. Any purported termination of the Executive's
      employment by the Employers for any reason shall be communicated by
      written "Notice of Termination" to the other party hereto. For purposes of
      this Agreement, a "Notice of Termination" shall mean a dated notice which
      (i) indicates the specific termination provision in this Agreement relied
      upon, (ii) specifies a Date of Termination, and (iii) is given in the
      manner specified in Section 9 hereof.

      2. Term of Agreement.

      This Agreement shall terminate two years after a Change in Control of the
      Corporation shall have occurred.

<PAGE>

                    HERITAGE BANCSHARES, INC. AND SUBSIDIARY

      3. Compensation.

      The Employers shall compensate and pay the Executive for his services
      during the term of this Agreement at a minimum base salary of $95,000 per
      year, which may be increased from time to time in such amounts as may be
      determined by the Boards of Directors of the Employers ("Base Salary") and
      may not be decreased without the Executive's express written consent.

      4. Termination.

      (a) The Employers shall have the right, at any time upon prior Notice of
      Termination, to terminate the Executive's employment for any reason.

      (b) In the event that:

            (i)   a Change in Control of the Corporation, as defined in Section
                  I (b) of this Agreement, shall occur, the Employers shall,
                  subject to the provisions of Section 5 hereof if applicable,
                  pay to the Executive a cash amount equal to $300,000, less the
                  Executive's balance, as determined on the date of the Change
                  in Control, in the Executive's Participant's Account (as such
                  term is defined in Section 1.39 of the Heritage Bancshares,
                  Inc., Employee Stock Ownership Plan), but in no event less
                  than zero, such payment to be made in either twenty-four (24)
                  equal monthly installments beginning with the first business
                  day of the month following the Change in Control of the
                  Corporation or in a lump sum within five business days of the
                  Change in Control of the Corporation and

            (ii)  within two years following a Change in Control of the
                  Corporation, as defined in Section 1 (b) of this Agreement,
                  the Executive's employment is terminated either (A) by the
                  Employers, or either of them, or (B) by the Executive for Good
                  Reason, then in either such case, and in addition to the
                  payment provided by Section 4(b)(i) above, the Employers
                  shall, subject to the provisions of Section 5 hereof, if
                  applicable, pay to the Executive, in either twenty-four (24)
                  equal monthly installments beginning with the first business
                  day of the month following the Date of Termination or in a
                  lump sum within five business days of the Date of Termination
                  (at the Executive's election), a cash severance amount equal
                  to twice the Executive's Base Salary paid by the Employers.

      5. Limitation of Benefits under Certain Circumstances. If the payments and
      benefits pursuant to Section 4 hereof, either alone or together with other
      payments and benefits which the Executive has the right to receive from
      the Employers, would constitute a "parachute payment" under Section 280G
      of the Code, the payments and benefits payable by the Employers pursuant
      to Section 4(b) hereof shall be reduced, in the manner determined by the
      Executive, by the amount, if any, which is the minimum necessary to result
      in no portion of the payments and benefits under Section 4(b) being
      non-deductible

<PAGE>

                    HERITAGE BANCSHARES, INC. AND SUBSIDIARY

      to either of the Employers pursuant to Section 280G of the Code and
      subject to the excise tax imposed under Section 4999 of the Code. The
      determination of any reduction in the payments and benefits to be made
      pursuant to Section 4(b) shall be based upon the opinion of independent
      tax counsel selected by the Employers and paid by the Employers. Such
      counsel shall be reasonably acceptable to the Employers and the Executive;
      shall promptly prepare the foregoing opinion, but in no event later than
      thirty (30) days from the Date of Termination; and may use such actuaries
      as such counsel deems necessary or advisable for the purpose. Nothing
      contained herein shall result in a reduction of any payments or benefits
      to which the Executive may be entitled upon termination of employment
      under any circumstances other than as specified in this Section 5, or a
      reduction in the payments and benefits specified in Section 4 below zero.

      6. Mitigation; Exclusivity of Benefits.

      (a) The Executive shall not be required to mitigate the amount of any
      benefits hereunder by seeking other employment or otherwise, nor shall the
      amount of any such benefits be reduced by any compensation earned by the
      Executive as a result of employment by another employer after the Date of
      Termination or otherwise.

      (b) The specific arrangements referred to herein are not intended to
      exclude any other benefits which may be available to the Executive upon a
      termination of employment with the Employers pursuant to employee benefit
      plans of the Employers or otherwise.

      7. Withholding. All payments required to be made by the Employers
      hereunder to the Executive shall be subject to the withholding of such
      amounts, if any, relating to tax and other payroll deductions as the
      Employers may reasonably determine should be withheld pursuant to any
      applicable law or regulation.

      8. Assignability. The Employers may assign this Agreement and their rights
      and obligations hereunder in whole, but not in part, to any corporation,
      bank or other entity with or into which the Employers may hereafter merge
      or consolidate or to which the Employers may transfer all or substantially
      all of their assets, if in any such case said corporation, bank or other
      entity shall by operation of law or expressly in writing assume all
      obligations of the Employers hereunder as fully as if it had been
      originally made a party hereto, but may not otherwise assign this
      Agreement or its rights and obligations hereunder. The Executive may not
      assign or transfer this Agreement or any rights or obligations hereunder.

      9. Notice. For the purposes of this Agreement, notices and all other
      communications provided for in this Agreement shall be in writing and
      shall be deemed to have been duly given when delivered or mailed by
      certified or registered mail, return receipt requested, postage prepaid,
      addressed to the respective addresses set forth below:

<PAGE>

                    HERITAGE BANCSHARES, INC. AND SUBSIDIARY

      To the Employers:  Board of Directors
                         Heritage Bancshares, Inc.
                         102 West High Street
                         Terrell, Texas 75160

                         Board of Directors
                         Heritage Bank, SSB
                         102 West High Street
                         Terrell, Texas 75160

      To the Executive:  John H. Mackey
                         1420 Meandering Way
                         Rockwall, Texas 75087

      10. Amendment; Waiver. No provisions of this Agreement may be modified,
      waived or discharged unless such waiver, modification or discharge is
      agreed to in writing and signed by the Executive and such officer or
      officers as may be specifically designated by the Boards of Directors of
      the Employers to sign on their behalf. No waiver by any party hereto at
      any time of any breach by any other party hereto of, or compliance with,
      any condition or provision of this Agreement to be performed by such other
      party shall be deemed a waiver of similar or dissimilar provisions or
      conditions at the same or at any prior or subsequent time.

      11. Governing Law. The validity, interpretation, construction and
      performance of this Agreement shall be governed by the laws of the United
      States where applicable and otherwise by the substantive laws of the State
      of Texas.

      12. Nature of Obligations. Nothing contained herein shall create or
      require the Employers to create a trust of any kind to fund any benefits
      which may be payable hereunder, and to the extent that the Executive
      acquires a right to receive benefits from the Employers hereunder, such
      right shall be no greater than the right of any unsecured general creditor
      of the Employers.

      13. Headings. The section headings contained in this Agreement are for
      reference purposes only and shall not affect in any way the meaning or
      interpretation of this Agreement.

      14. Validity. The invalidity or unenforceability of any provision of this
      Agreement shall not affect the validity or enforceability of any other
      provisions of this Agreement, which shall remain in full force and effect.

      15. Counterparts. This Agreement may be executed in one or more
      counterparts, each of which shall be deemed to be an original but all of
      which together will constitute one and the same instrument.

<PAGE>

                    HERITAGE BANCSHARES, INC. AND SUBSIDIARY

      16. Regulatory Prohibition. Notwithstanding any other provision of this
      Agreement to the contrary, any payments made to the Executive pursuant to
      this Agreement, or otherwise, are subject to and conditioned upon their
      compliance with Section 18(k) of the FDIA (12 V.S.C. ss.1828(k)) and the
      regulations promulgated thereunder, including 12 C.F.R. Part 359.

      17. Payment of Costs and Legal Fees and Reinstatement of Benefits. In the
      event any dispute or controversy arising under or in connection with the
      Executive's termination is resolved in favor of the Executive, whether by
      judgment, arbitration or settlement, the Executive shall be entitled to
      the payment of (a) all legal fees incurred by the Executive in resolving
      such dispute or controversy, and (2) any back-pay, including Base Salary.

      18. Entire Agreement. This Agreement embodies the entire agreement between
      the Employers and the Executive with respect to the matters agreed to
      herein. All prior agreements between the Employers and the Executive with
      respect to the matters agreed to herein are hereby superseded and shall
      have no force or effect.

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

Attest:                                           HERITAGE BANCSHARES, INC.

/s/ Lisa Stuart                                   By: /s/ J. Pat Baker
---------------                                       --------------------------
Lisa Stuart                                       J. Pat Baker
Assistant Secretary                               Chairman

Attest:                                           HERITAGE BANK, SSB

/s/ Lisa Stuart                                   By: /s/ J. Pat Baker
---------------                                       --------------------------
Lisa Stuart                                       J. Pat Baker
Assistant Secretary                               Chairman

                                    EXECUTIVE

                                                   By: /s/ John H. Mackey
                                                      --------------------------
                                                      John H. Mackey

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