Document:

EXHIBIT 10.5

 [LOGO]  BANK
         COMPENSATION
         STRATEGIESGROUP

                              MANAGEMENT RETENTION

                         SUPPLEMENTAL RETIREMENT INCOME

                            SALARY CONTINUATION PLAN

                                      FOR

                             KEVIN CLARK, PRESIDENT

                              HERITAGE BANK, F.S.B.

                                 REVISED 1-10-96

                                  Presented by:

                                 Timothy L. Voth
                                Regional Director

            B.C.S. FINANCIAL INSTITUTION ASSOCIATIONS ENDORSEMENTS

AMERICAN BANKERS ASSOCIATION - ALABAMA BANKERS ASSOCIATION - CALIFORNIA BANKERS
ASSOCIATION - COLORADO BANKERS ASSOCIATION - CONNECTICUT BANKERS ASSOCIATION -
FLORIDA BANKERS ASSOCIATION - FLORIDA LEAGUE OF FINANCIAL INSTITUTIONS - GEORGIA
BANKERS ASSOCIATION - ILLINOIS COMMUNITY BANKERS ASSOCIATION - INDIANA BANKERS
ASSOCIATION - IOWA INDEPENDENT BANKERS ASSOCIATION - IOWA LEAGUE OF SAVINGS
INSTITUTIONS - KANSAS BANKERS ASSOCIATION - LOUISIANA BANKERS ASSOCIATION -
MINNESOTA BANKERS ASSOCIATION - MINNESOTA LEAGUE OF SAVINGS AND COMMUNITY
BANKERS - MISSISSIPPI BANKERS ASSOCIATION - MISSOURI BANKERS ASSOCIATION -
MISSOURI LEAGUE OF SAVINGS INSTITUTIONS - MONTANA BANKERS ASSOCIATION - NEBRASKA
BANKERS ASSOCIATION - NEW MEXICO BANKERS ASSOCIATION - NORTH DAKOTA BANKERS
ASSOCIATION - OKLAHOMA BANKERS ASSOCIATION - PENNSYLVANIA BANKERS ASSOCIATION -
SOUTH CAROLINA BANKERS ASSOCIATION - SOUTH DAKOTA BANKERS ASSOCIATION -
TENNESSEE BANKERS ASSOCIATION - TEXAS BANKERS ASSOCIATION - UTAH BANKERS
ASSOCIATION - VERMONT BANKERS ASSOCIATION - WASHINGTON BANKERS ASSOCIATION -
WISCONSIN INDEPENDENT COMMUNITY BANKERS ASSOCIATION - WYOMING BANKERS
ASSOCIATION

[LOGO] P.O. Box 5428
       Bend, OR 97708
       (503) 389-6662 * Fax: (503) 389-6663

<PAGE>

                         SUMMARY OF BENEFIT PLAN DESIGN
                            SALARY CONTINUATION PLAN
                               HERITAGE BANK, FSB

           Plan benefits:

              * Retirement income benefits are provided for selected key
                decision makers.

              * Family income protection is provided for participant's
                beneficiary.

              * Individual agreements specify:

                                 - Vesting

                                 - Incentives

                                 - Early retirement benefits

                                 - Disability benefits

                                 - Change of control provisions

       The following chart summarizes the retirement benefits for each plan
participant.

<TABLE>
<CAPTION>

                             CURRENT     PRE   RETIRE-      PROJECTED    DURATION      TOTAL
                CURRENT      ANNUAL      RET     MENT         ANNUAL         OF       BENEFITS
DIRECTOR           AGE       BENEFIT    INFLTR    AGE         BENEFIT     BENEFITS      PAID
-----------------------------------------------------------------------------------------------
<S>                <C>       <C>         <C>       <C>        <C>         <C>         <C>
Kevin Clark        40        24,220      5.00%     62         67,476      15 years    1,012,140

</TABLE>

<PAGE>

                           ACCRUAL & VESTING SCHEDULE

                       MANAGEMENT SUPPLEMENTAL RETIREMENT
                            SALARY CONTINUATION PLAN

              PARTICIPANT:                                       KEVIN CLARK
              BEGINNING AGE:                                     40
              RETIREMENT  AGE:                                   62
              LENGTH OF BENEFIT:                                 15 YEARS
              BENEFIT AMOUNT:                                    $24,220
              PRE-RETIREMENT INFLATOR                            5%
              RETIREMENT BENEFIT AT AGE 62                       $67,476

<TABLE>
<CAPTION>
                                      PRE-RETIREMENT BENEFIT ACCRUAL/VESTING SCHEDULE
         A              B                   C                D                E                F                G
      END OF                             CURRENT        IMMEDIATE        IMMEDIATE         LUMP SUM          ANNUAL
       PLAN          VESTING              YEAR          LUMP SUM           ANNUAL           BENEFIT         BENEFIT
       YEAR         PERCENTAGE           ACCRUAL         BENEFIT           BENEFIT           AGE 62          AGE 63
---------------------------------------------------------------------------------------------------------------------
<S>                    <C>                <C>              <C>                <C>            <C>              <C>
         1             100                3,327            3,327              393            19,702           2,328
---------------------------------------------------------------------------------------------------------------------
         2             100                3,805            7,132              843            38,805           4,586
---------------------------------------------------------------------------------------------------------------------
         3             100                4,355           11,487            1,357           571,428           6,786
---------------------------------------------------------------------------------------------------------------------
         4             100                4,990           16,477            1,947            75,685           8,944
---------------------------------------------------------------------------------------------------------------------
         5             100                5,723           22,200            2,623           937,691          11,071
---------------------------------------------------------------------------------------------------------------------
         6             100                6,571           28,771            3,400           111,561          13,183
---------------------------------------------------------------------------------------------------------------------
         7             100                7,553           36,324            4,292           129,410          15,292
---------------------------------------------------------------------------------------------------------------------
         8             100                8,695           45,019            5,320           147,361          17,413
---------------------------------------------------------------------------------------------------------------------
         9             100               10,024           55,043            6,504           165,540          19,562
---------------------------------------------------------------------------------------------------------------------
        10             100               11,577           66,619            7,872           184,085          21,753
---------------------------------------------------------------------------------------------------------------------
        11             100               13,397           80,016            9,455           203,147          24,006
---------------------------------------------------------------------------------------------------------------------
        12             100               15,540           95,556           11,292           222,897          26,340
---------------------------------------------------------------------------------------------------------------------
        13             100               18,076          113,631           13,428           243,536          28,778
---------------------------------------------------------------------------------------------------------------------
        14             100               21,097          134,728           15,921           265,300          31,350
---------------------------------------------------------------------------------------------------------------------
        15             100               24,724          159,452           18,842           288,485          34,090
---------------------------------------------------------------------------------------------------------------------
        16             100               29,125          188,577           22,284           313,472          37,043
---------------------------------------------------------------------------------------------------------------------
        17             100               34,543          223,120           26,366           340,772          40,269
---------------------------------------------------------------------------------------------------------------------
        18             100               41,346          264,467           31,252           371,117          43,854
---------------------------------------------------------------------------------------------------------------------
        19             100               50,150          314,616           37,178           405,636          47,933
---------------------------------------------------------------------------------------------------------------------
        20             100               62,118          376,734           44,518           446,277          52,736
---------------------------------------------------------------------------------------------------------------------
        21             100               80,008          456,742           53,973           497,114          58,743
---------------------------------------------------------------------------------------------------------------------
        22             100              114,272          571,014           67,476           571,014          67,476
---------------------------------------------------------------------------------------------------------------------

</TABLE>

                          (c) Copyright 1996 BCS Group

<PAGE>

                           INDIVIDUAL PLAN ACCOUNTING
                            SALARY CONTINUATION PLAN
                               HERITAGE BANK, Fsb

Kevin Clark
-----------------------------------------------------    --------Annual---------
Birth date:     09/16/55    Current salary:    24,220    Years of benefit:   15
Retirement age:       62    Curr annl benefit: 24,220    Benefit incr:     5.00%
Age/Ins.age:       40/40    Projected salary:  67,476    Discount rate:    8.50%
Years of accrual:     22    Proj annl benefit: 67,476    Corp. tax rate:  37.00%

<TABLE>
<CAPTION>
                                      ACCRUED                                                                       CUMULATIVE
         PLAN    ANNUAL               BENEFIT              ----PRE-TAX PLAN EXPENSE-----         CUMULATIVE          AFTER-TAX
 AGE     YEAR    BENEFIT             LIABILITY             ANNUAL             CUMULATIVE         TAX CREDIT           EXPENSE
-------------------------------------------------------------------------------------------------------------------------------
<S>       <C>     <C>                   <C>                 <C>                   <C>                <C>               <C>
  40      1       24,220                3,327               3,327                 3,327              1,231             2,096
  41      2       25,431                7,132               3,805                 7,132              2,639             4,493
  42      3       26,703               11,487               4,355                11,487              4,250             7,237
  43      4       28,038               16,477               4,990                16,477              6,096            10,381
  44      5       29,440               22,200               5,723                22,200              8,213            13,986
  45      6       30,912               28,771               6,571                28,771             10,644            18,126
  46      7       32,457               36,324               7,553                36,324             13,439            22,885
  47      8       34,080               45,019               8,695                45,019             16,656            28,363
  48      9       35,784               55,043              10,024                55,043             20,365            34,678
  49     10       37,573               66,620              11,577                66,620             24,648            41,971
  50     11       39,452               80,017              13,397                80,017             29,605            50,411
  51     12       41,424               95,557              15,540                95,557             35,355            60,201
  52     13       43,496              113,633              18,076               113,633             42,043            71,589
  53     14       45,670              134,730              21,097               134,730             49,849            84,880
  54     15       47,954              159,454              24,724               159,454             58,997           100,456
  55     16       50,352              188,579              29,125               188,579             69,773           118,805
  56     17       52,869              223,122              34,543               223,122             82,554           140,567
  57     18       55,513              264,468              41,346               264,468             97,852           166,615
  58     19       58,288              314,618              50,150               314,618            116,407           198,209
  59     20       61,203              376,736              62,118               376,736            139,391           237,343
  60     21       64,263              456,744              80,008               456,744            168,994           287,748
  61     22       67,476              571,016             114,272               571,016            211,274           359,739

  62     23       67,476              551,321              47,781               618,797            228,953           389,841
  63     24       67,476              529,885              46,040               664,837            245,988           418,846
  64     25       67,476              506,554              44,145               708,982            262,322           446,657
  65     26       67,476              481,161              42,083               751,065            277,893           473,169
  66     27       67,476              453,523              39,838               790,903            292,633           498,267
  67     28       67,476              423,442              37,395               828,298            306,469           521,826
  68     29       67,476              390,703              34,737               863,035            319,322           543,710
  69     30       67,476              355,070              31,843               894,878            331,104           563,771
  70     31       67,476              316,287              28,693               923,571            341,720           581,848
  71     32       67,476              274,076              25,265               948,836            351,068           597,765
  72     33       67,476              228,134              21,534               970,370            359,036           611,331
  73     34       67,476              178,131              17,473               987,843            365,501           622,339
  74     35       67,476              123,708              13,053             1,000,896            370,331           630,563
  75     36       67,476               64,475               8,243             1,009,139            373,381           635,756
  76     37       67,476                    0               3,007             1,012,146            374,494           637,651

</TABLE>

                       (c) Copyright 1996, BCS Group Inc.EXHIBIT 10.6

                                  HERITAGE BANK
                        SUPPLEMENTAL RETIREMENT AGREEMENT

       THIS AGREEMENT is made this 25th day of October, 1999 by and between
HERITAGE BANK, a Montana corporation located in Great Falls, Montana (the
"Company"), and STEVE L. FEURT (the "Executive"). This agreement is effective
November 1, 1999 for vesting and accrual computation purposes.

                                  INTRODUCTION

       To encourage the Executive to remain an employee of the Company, the
Company is willing to provide salary continuation benefits to the Executive. The
Company will pay the benefits from its general assets.

                                    AGREEMENT

       The Executive and the Company agree as follows:

                                    ARTICLE 1

                                   DEFINITIONS

       1.1 Definitions. Whenever used in this Agreement, the following words and
phrases shall have the meanings specified:

              1.1.1 "CHANGE OF CONTROL" means the transfer of 51% or more of the
       Company's outstanding voting common stock.

              1.1.2 "CODE" means the Internal Revenue Code of 1986, as amended.

              1.1.3 "DISABILITY" means, if the Executive is covered by a Company
       sponsored disability insurance policy, total disability as defined in
       such policy without regard to any waiting period. If the Executive is not
       covered by such a policy, Disability means the Executive suffering a
       sickness, accident or injury which, in the judgment of a physician
       satisfactory to the Company, prevents the Executive from performing
       substantially all of the Executive's normal duties for the Company. As

<PAGE>

       a condition to any benefits, the Company may require the Executive to
       submit to such physical or mental evaluations and tests as the Company's
       Board of Directors deems appropriate.

              1.1.4 "NORMAL RETIREMENT AGE" means the Executive's 65th birthday.

              1.1.5 "NORMAL RETIREMENT DATE" means the later of the Normal
       Retirement Age or the date of the Executive's Termination of Employment.

               1.1.6 "PLAN YEAR" means the plan's accounting year of twelve
        consecutive months commencing on the effective date of this Agreement
        and ending on each anniversary date thereafter.

               1.1.7 "TERMINATION OF EMPLOYMENT" Means the Executive ceasing to
        be employed by the Company for any reason whatsoever, voluntary or
        involuntary, other than by reason of an approved leave of absence.

                                    ARTICLE 2

                                LIFETIME BENEFITS

       2.1 NORMAL RETIREMENT BENEFIT. If the Executive terminates employment on
or after the Normal Retirement Age for reasons other than death, the Company
shall pay to the Executive the benefit described in this Section 2.1.

              2.1.1. AMOUNT OF BENEFIT. The benefit under this Section 2.1 is
       either a lump sum payment of the amount on Schedule A, or at the election
       of the Executive, an annuity with a term acceptable to the Executive,
       shall be purchased using all available accrued amounts. The payment or
       annuity purchase shall begin or be made within 60 days from the date of
       retirement.

       2.2 EARLY TERMINATION BENEFIT. If the Executive terminates employment
before the Normal Retirement Age for reasons other than death, Disability or
Change of Control, the Company shall pay to the Executive the benefit described
in this Section 2.2.

              2.2.1. AMOUNT OF BENEFIT. The amount of the benefit shall be the
       vested amount accrued on the books of the employer, in accordance with
       Schedule A, attached. The benefit shall be the accrued balance at the
       date of Termination of Employment.

              2.2.2 PAYMENT OF BENEFIT. The payment shall be in a lump sum, made
       within 60 days of Termination of Employment.

       2.3 DISABILITY BENEFIT. If the Executive terminates employment for
Disability prior to the Normal Retirement Age, the Company shall pay to the
Executive the benefit described in this Section 2.3.

              2.3.1 AMOUNT OF BENEFIT. The amount of the benefit shall be the
       vested amount accrued on the books of the employer, in accordance with
       Schedule A, attached. The employee will be considered 100% vested upon a
       determination of full or partial disability.
<PAGE>

              2.3.2 PAYMENT OF BENEFIT. The payment shall be made in a lump sum
       within 60 days of Termination of Employment as a result of disability.

       2.4 CHANGE OF CONTROL BENEFIT. Upon a Change of Control while the
Executive is in the active service of the Company, the Company shall pay to the
Executive the benefit described in this Section 2.4 in lieu of any other benefit
under this Agreement.

              2.4.1 AMOUNT OF BENEFIT. The amount of the benefit shall be the
       vested amount accrued on the books of the employer, in accordance with
       Schedule A, attached. The employee will be considered 100% vested upon a
       change in control.

              2.4.2 PAYMENT OF BENEFIT. The payment shall be made in a lump sum
       within 60 days of Termination of Employment as a result of a change in
       control.

       2.5 VESTING OF BENEFIT. The Executive shall vest 10% for every Plan Year
he is employed and 100% vested after 10 Plan Years. The effective date for
vesting is January 1, 1997.

                                    ARTICLE 3

                                 DEATH BENEFITS

       3.1 DEATH DURING ACTIVE SERVICE. If the Executive dies while in the
active service of the Company, the Company shall pay to the Executive's
beneficiary the benefit described in this Section 3.1.

              3.1.1 AMOUNT OF BENEFIT. The amount of the benefit shall be the
       vested amount accrued on the books of the employer, in accordance with
       Schedule A, attached. The Executive shall become fully vested if death is
       prior to the normal retirement date.

              3.1.2 PAYMENT OF BENEFIT. The payment shall be made in a lump sum
       within 60 days of death.

                                    ARTICLE 4

                                  BENEFICIARIES

      4.1 BENEFICIARY DESIGNATIONS. The Executive shall designate a beneficiary
by filing a written designation with the Company (See Schedule B). The Executive
may revoke or modify the designation at any time by filing a new designation.
However, designations will only be effective if signed by the Executive and
accepted by the Company during the Executive's lifetime. The Executive's
beneficiary designation shall be deemed automatically revoked if the beneficiary
predeceases the Executive, or if the Executive names a spouse as beneficiary and
the marriage is subsequently dissolved. If the Executive dies without a valid
beneficiary designation, all payments shall be made to the Executive's surviving
spouse, if any, and if none, to the Executive's surviving children and the
descendants of any deceased child by right of representation, and if no children
or descendants survive, to the Executive's estate.

<PAGE>

      4.2 FACILITY OF PAYMENT. If a benefit is payable to a minor, to a person
declared incompetent, or to a person incapable of handling the disposition of
his or her property, the Company may pay such benefit to the guardian, legal
representative or person having the care or custody of such minor, incompetent
person or incapable person. The Company may require proof of incompetence,
minority or guardianship as it may deem appropriate prior to distribution of the
benefit. Such distribution shall completely discharge the Company from all
liability with respect to such benefit.

                                    ARTICLE 5

                               GENERAL LIMITATIONS

      Notwithstanding any provision of this Agreement to the contrary, the
Company shall not pay any benefit under this Agreement:

       5.1 EXCESS PARACHUTE PAYMENT. To the extent the benefit would be an
excess parachute payment under Section 28OG of the Code.

       5.2 TERMINATION FOR CAUSE. If the Company terminates the Executive's
employment for:

              5.2.1 Gross negligence or gross neglect of duties;

              5.2.2 Commission of a felony or of a gross misdemeanor involving
       moral turpitude;

        or

              5.2.3 Fraud, disloyalty, dishonesty or willful violation of any
       law or significant Company policy committed in connection with the
       Executive's employment and resulting in an adverse effect on the Company.

                                    ARTICLE 6

                          CLAIMS AND REVIEW PROCEDURES

         6.1 CLAIMS PROCEDURE. The Company shall notify the Executive, the
Executive's beneficiary, or any other party who claims a right to an interest
under the Agreement (the "Claimant") in writing, within sixty (60) days of his
or her written application for benefits, of his or her eligibility or
ineligibility for benefits under the Agreement. If the Company determines that
the Claimant is not eligible for benefits or full benefits, the notice shall
set forth (1) the specific reasons for such denial, (2) a specific reference to
the provisions of the Agreement on which the denial is based, (3) a description
of any additional information or material necessary for the claimant to perfect
his or her claim, and a description of why it is needed, and (4) an explanation
of the Agreement's claims review procedure and other appropriate information as
to the steps to be taken if the Claimant wishes to have the claim reviewed. If
the Company determines that there are special circumstances requiring additional
time to make a decision, the Company shall notify the Claimant of the special
circumstances and the date by which a decision is expected to be made, and may
extend the time for up to an additional ninety-day period.

<PAGE>

                                    ARTICLE 7

                           AMENDMENTS AND TERMINATION

      This Agreement may be amended or terminated only by a written agreement
signed by the Company and the Executive except that the Company, in its sole
discretion, may amend or terminate this Agreement at any time if, pursuant to
legislative, judicial or regulatory action, continuation of the Agreement would
(i) cause benefits to be taxable to the Executive prior to actual receipt, or
(ii) result in significant financial penalties or other significantly
detrimental ramifications to the Company (other than the financial impact of
paying the benefits). In the event of any termination, the Executive shall be
treated as if the date of termination of the Agreement were his Termination of
Employment under Section 2.2.

                                    ARTICLE 8

                                  MISCELLANEOUS

       8.1 BINDING EFFECT. This Agreement shall bind the Executive and the
Company, and their beneficiaries, survivors, executors, administrators and
transferees.

       8.2 NO GUARANTEE OF EMPLOYMENT. This Agreement is not an employment
policy or contract. It does not give the Executive the right to remain an
employee of the Company, nor does it interfere with the Company's right to
discharge the Executive. It also does not require the Executive to remain an
employee nor interfere with the Executive's right to terminate employment at any
time.

       8.3 NON-TRANSFERABILITY. Benefits under this Agreement cannot be sold,
transferred, assigned, pledged, attached or encumbered in any manner.

       8.4 TAX WITHHOLDING. The Company shall withhold any taxes that are
required to be withheld from the benefits provided under this Agreement.

       8.5 APPLICABLE LAW. The Agreement and all rights hereunder shall be
governed by the laws of the State of Montana, except to the extent preempted by
the laws of the United States of America.

       8.6 UNFUNDED ARRANGEMENT. The Executive and beneficiary are general
unsecured creditors of the Company for the payment of benefits under this
Agreement. The benefits represent the mere promise by the Company to pay such
benefits. The rights to benefits are not subject in any manner to anticipation,
alienation, sale, transfer, assignment, pledge, encumbrance, attachment, or
garnishment by creditors.

       8.7 REORGANIZATION. The Company shall merge or consolidate into or with
another company, or reorganize, or sell substantially all of its assets to
another company, firm, or person unless such succeeding or continuing company,
firm, or person agrees to assume and discharge the obligations of the Company
under this Agreement. Upon the occurrence of such event, the term "Company" as
used in this Agreement shall be deemed to refer to the successor or survivor
company.

<PAGE>

       8.8 ENTIRE AGREEMENT. This Agreement is the entire agreement between the
parties and it contains all of the covenants and agreements between the
Executive and the Company.

      IN WITNESS WHEREOF, the Executive and a duly authorized Company officer
have signed this Agreement.

EXECUTIVE:                              COMPANY:

                                        HERITAGE BANK

/s/ Steve L. Feurt                      /s/ Kevin P. Clark
______________________________          ________________________________
EXECUTIVE                               BY

                                        Pres
                                        ________________________________
                                        TITLE

                                        10/25/99
                                        ________________________________
                                        DATE

                                        /s/ Kurt R. Weise
                                        ________________________________
                                        WITNESS

<PAGE>

                                   SCHEDULE A

Supplemental Retirement Agreement
By and between Steve Feurt and Heritage Bank
Dated October 25, 1999

Benefit Accrual

Plan Year                 Annual         Total Accrued
                          Accrual           Benefit

      1                    5,823              5,823
      2                    6,277             12,100
      3                    6,767             18,867
      4                    7,295             26,162
      5                    7,864             34,025
      6                    8,477             42,502
      7                    9,138             51,640
      8                    9,851             61,491
      9                   10,619             72,111
      10                  11,448             83,558
      11                  12,341             95,899
      12                  13,303            109,202
      13                  14,341            123,543
      14                  15,459            139,002
      15                  16,665            155,667
      16                  17,965            173,632
      17                  19,366            192,999
      18                  20,877            213,875
      19                  22,505            236,381
      20                  24,261            260,641
      21                  26,153            286,794
      22                  28,193            314,987

<PAGE>

Schedule B

Designation of Beneficiary
Supplemental Retirement Agreement
By and between Steve Feurt and Heritage Bank

Beneficiary Designation:

/s/ Rhonda K. Feurt             Primary
________________________________________________________________________________

/s/ Shannon R. Feurt            }
________________________________}_______________________________________________
                                } Secondary - contingent
                                }       each at 50%
/s/ Scott M. Feurt              }
________________________________________________________________________________

Signed:   /s/ Steve L. Feurt                               Date:   10/25/99
        --------------------------------------                   ---------------

This Beneficiary Designation only refers to that Supplemental Retirement
Agreement between Steve Feurt and Heritage Bank signed on 10/25, 1999.

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00042-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00042-of-00352.parquet"}]]