Document:

Exhibit 10.1
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                              UNITED COMMERCE BANK
                             2000 STOCK OPTION PLAN

     1. Purpose.  The purpose of the United Commerce Bank 2000 Stock Option Plan
(the "Plan") is to provide to  directors,  officers  and other key  employees of
United  Commerce  Bank (the  "Bank")  and its  majority-owned  and  wholly-owned
subsidiaries  (individually a "Subsidiary" and collectively the "Subsidiaries"),
who are materially  responsible  for the management or operation of the business
of the Bank or a Subsidiary and have provided valuable services to the Bank or a
Subsidiary,  a favorable  opportunity to acquire Common Stock, without par value
("Common  Stock"),  of the  Bank,  thereby  providing  them  with  an  increased
incentive  to work for the success of the Bank and its  Subsidiaries  and better
enabling each such entity to attract and retain capable  directors and executive
personnel.

     2.  Administration  of the Plan. The Plan shall be administered,  construed
and  interpreted  by a committee  (the  "Committee")  consisting of at least two
members of the Board of  Directors of the Bank.  If the Bank becomes  subject to
the Securities  Exchange Act of 1934, as amended (the "1934 Act"),  each of such
members shall be a "Non-Employee  Director" within the meaning of the definition
of that term  contained in Reg. ss.  16b-3  promulgated  under the 1934 Act. The
members of the Committee  shall be designated  from time to time by the Board of
Directors  of the  Bank.  The  decision  of a  majority  of the  members  of the
Committee shall constitute the decision of the Committee,  and the Committee may
act either at a meeting at which a majority of the members of the  Committee  is
present or by a written  consent  signed by all  members of the  Committee.  The
Committee  shall have the sole,  final and  conclusive  authority to  determine,
consistent with and subject to the provisions of the Plan:

          (a) the individuals to whom options (the  "Optionees")  and restricted
     share  awards  or  cash  awards  shall  be  granted  under  the  Plan  (the
     "Awardees");

          (b) the time when options or cash awards shall be granted hereunder;

          (c) the  number of shares of Common  Stock to be  covered  under  each
     option or restricted share grant and the amount of any cash awards;

          (d) the option price to be paid upon the exercise of each option;

          (e) the price to be paid, if any, for restricted shares;

          (f) the period within which each such option may be exercised;

          (g) the period of restriction for restricted share grants;

          (h) the extent to which an option is an  incentive  stock  option or a
     non-qualified stock option; and

          (i) the terms and  conditions  of the  respective  agreements by which
     options or restricted shares granted or cash awards shall be evidenced.

The Committee shall also have authority to prescribe,  amend, waive, and rescind
rules and  regulations  relating to the Plan, to  accelerate  the vesting of any
stock options or cash awards made hereunder, to make amendments or modifications
in the terms and conditions  (including  exercisability) of the options relating
to the effect of termination of employment of the optionee  (subject to the last
sentence  of  Section  12  hereof),  to waive  any  restrictions  or  conditions
applicable  to any  option  or the  exercise  thereof,  and to  make  all  other
determinations necessary or advisable in the administration of the Plan.

     3.  Eligibility.  The Committee  may,  consistent  with the purposes of the
Plan, grant options or restricted shares awards ("Awards") to officers and other
key employees and directors of the Bank or of a Subsidiary who in the opinion of
the Committee are from time to time materially responsible for the management or
operation  of the  business  of the Bank or of a  Subsidiary  and have  provided
valuable  services to the Bank or a Subsidiary;  provided,  however,  that in no
event may any employee who owns (after application of the ownership rules in ss.
425(d) of the Internal  Revenue Code of 1986, as amended (the "Code")) shares of
stock  possessing more than 10 percent of the total combined voting power of all
classes of stock of the Bank or any of its  Subsidiaries be granted an incentive
stock  option  hereunder  unless at the time such  option is granted  the option
price is at least  110% of the fair  market  value of the stock  subject  to the
option and such option by its terms is not  exercisable  after the expiration of
five (5) years from the date such option is granted.  No employee may be granted
options  under the Plan for more  than  45,000  shares  of  Common  Stock in any
calendar year. Subject to the foregoing  provisions,  an individual who has been
granted an Award under the Plan (an  "Optionee"),  if he is otherwise  eligible,
may be  granted  an  additional  Award  or  Awards  if the  Committee  shall  so
determine.

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     4. Stock Subject to the Plan. There shall be reserved for issuance upon the
exercise  of options  granted  under the Plan or for  restricted  share  awards,
90,000 shares of Common Stock of the Bank,  which may be authorized but unissued
shares or treasury shares of the Bank.  Subject to Section 7 hereof,  the shares
for which Awards may be granted under the Plan shall not exceed that number.  If
any option shall expire or terminate or be  surrendered  for any reason  without
having been  exercised  in full or if any  restricted  share grant is  forfeited
whole or in part, the unpurchased  shares subject thereto shall (unless the Plan
shall have terminated) become available for other Awards under the Plan.

     5. Terms of Options. Each option granted under the Plan shall be subject to
the following  terms and  conditions  and to such other terms and conditions not
inconsistent therewith as the Committee may deem appropriate in each case:

          (a)  Option  Price.  The price to be paid for shares of stock upon the
     exercise of each option shall be  determined  by the  Committee at the time
     such option is  granted,  but such price in no event shall be less than the
     fair market value,  as determined by the Committee  consistent  with Treas.
     Reg. ss.  20.2031-2 and any  requirements  of ss. 422A of the Code, of such
     stock on the date on which such option is granted.

          (b) Period for Exercise of Option.  An option shall not be exercisable
     after the  expiration  of such period as shall be fixed by the Committee at
     the time of the grant thereof, but such period in no event shall exceed ten
     (10) years from the date on which such  option is granted;  provided,  that
     incentive stock options and  non-qualified  stock options granted hereunder
     shall have terms not in excess of ten (10) years.  Options shall be subject
     to earlier termination as hereinafter provided.

          (c)  Exercise  of  Options.  The  option  price of each share of stock
     purchased  upon  exercise of an option shall be paid in full at the time of
     such exercise.  Payment must be made in cash. The Committee  shall have the
     authority  to grant  options  exercisable  in full at any time during their
     term, or exercisable in such  installments  at such times during their term
     as the Committee may determine;  provided,  however, that options shall not
     be exercisable  during the first six (6) months of their term, and provided
     further that options shall become  exercisable  no earlier than at the rate
     of one-third per year beginning on the  anniversary of the date of grant of
     such  options,  subject  to  earlier  vesting  in the  event  of  death  or
     disability.   Installments  not  purchased  in  earlier  periods  shall  be
     cumulated  and be available for purchase in later  periods.  Subject to the
     other  provisions  of this Plan,  an option may be exercised at any time or
     from  time to time  during  the term of the  option  as to any or all whole
     shares which have become  subject to purchase  pursuant to the terms of the
     option or the Plan,  but not at any time as to fewer than one hundred (100)
     shares  unless the remaining  shares which have become  subject to purchase
     are fewer than one hundred (100) shares. An option may be exercised only by
     written  notice to the  Bank,  mailed to the  attention  of its  Secretary,
     signed  by  the  Optionee  (or  such  other  person  or  persons  as  shall
     demonstrate  to the Bank  his or  their  right  to  exercise  the  option),
     specifying the number of shares in respect of which it is being  exercised,
     and accompanied by payment in full in either cash or by check in the amount
     of the aggregate purchase price therefor.

          (d)  Certificates.  The  certificate  or  certificates  for the shares
     issuable  upon an  exercise  of an option  shall be issued as  promptly  as
     practicable after such exercise. An Optionee shall not have any rights of a
     shareholder  in respect to the shares of stock  subject to an option  until
     the date of issuance of a stock  certificate to him for such shares.  In no
     case may a fraction of a share be purchased or issued under the Plan.

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          (e)  Termination  of Option.  Except as otherwise  provided in a stock
     option  agrement  between the Optionee and the Bank, if an Optionee  (other
     than a director of the Bank or a  Subsidiary  who is not an employee of the
     Bank or a Subsidiary (an "Outside  Director"))  ceases to be an employee of
     the  Bank  and the  Subsidiaries  for any  reason  other  than  retirement,
     permanent and total  disability  (within the meaning of ss. 22(e)(3) of the
     Code), or death, any option granted to him shall forthwith terminate. Leave
     of absence  approved by the  Committee  shall not  constitute  cessation of
     employment. If an Optionee (other than an Outside Director) ceases to be an
     employee  of the Bank and the  Subsidiaries  by reason of  retirement,  any
     option  granted to him may be  exercised  by him in whole or in part within
     ninety  (90) days  after  the date of his  retirement,  whether  or not the
     option was otherwise  exercisable at the date of his retirement;  provided,
     however,  that if such employee  remains a director of the Bank, the option
     granted to him may be  exercised  by him in whole or in part  until  ninety
     (90) days after his service as a director of the Bank terminates. (The term
     "retirement"  as used herein means such  termination of employment as shall
     entitle such  individual to early or normal  retirement  benefits under any
     then  existing  pension plan of the Bank or a  Subsidiary.)  If an Optionee
     (other than an Outside  Director)  ceases to be an employee of the Bank and
     the  Subsidiaries by reason of permanent and total  disability  (within the
     meaning  of ss.  22(e)(3)  of the Code),  any option  granted to him may be
     exercised by him in whole or in part within ninety (90) days after the date
     of his  termination of employment by reason of such  disability  whether or
     not the option was otherwise  exercisable at the date of such  termination.
     Options granted to Outside  Directors shall cease to be exercisable  ninety
     (90) days after the date such  Outside  Director is no longer a director of
     the Bank or a Subsidiary for any reason other than death or disability.  If
     an Optionee who is an Outside Director ceases to be a director by reason of
     disability,  any option granted to him may be exercised in whole or in part
     within ninety (90) days after the date the Optionee ceases to be a director
     by reason of such  disability,  whether  or not the  option  was  otherwise
     exercisable at such date. In the event of the death of an Optionee while in
     the employ or service as a director of the Bank or a Subsidiary, or, if the
     Optionee is not an Outside Director, within ninety (90) days after the date
     of his retirement (or, if later, ninety (90) days following his termination
     of service as a director of the Bank or a Subsidiary) or within ninety (90)
     days after the  termination  of his  employment  by reason of permanent and
     total  disability  (within the meaning of ss. 22(e)(3) of the Code), or, if
     the Optionee is an Outside Director, within ninety (90) days after he is no
     longer a  director  of the Bank or of  Subsidiary  for  reasons  other than
     disability or, within ninety (90) days after the termination of his service
     by reason of  disability,  any option  granted to him may be  exercised  in
     whole or in part at any time within ninety (90) days after the date of such
     death by the  executor or  administrator  of his estate or by the person or
     persons entitled to the option by will or by applicable laws of descent and
     distribution  until  the  expiration  of the  option  term as  fixed by the
     Committee,  whether or not the option was otherwise exercisable at the date
     of his death.  Notwithstanding the foregoing  provisions of this subsection
     (e), no option shall in any event be  exercisable  after the  expiration of
     the period fixed by the Committee in accordance with subsection (b) above.

          (f)  Nontransferability of Option. No option may be transferred by the
     Optionee  otherwise than by will or the laws of descent and distribution or
     pursuant to a qualified  domestic relations order as defined by the Code or
     Title I of the  Employee  Retirement  Income  Security  Act,  or the  rules
     thereunder,  and during  the  lifetime  of the  Optionee  options  shall be
     exercisable only by the Optionee or his guardian or legal representative.

          (g) No Right to  Continued  Service.  Nothing  in this  Plan or in any
     agreement entered into pursuant hereto shall confer on any person any right
     to  continue  in the employ or service of the Bank or its  Subsidiaries  or
     affect any rights the Bank, a Subsidiary,  or the  shareholders of the Bank
     may have to terminate his service at any time.

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          (h) Maximum  Incentive Stock Options.  The aggregate fair market value
     of stock with respect to which  incentive stock options (within the meaning
     of ss. 422A of the Code) are  exercisable for the first time by an Optionee
     during  any  calendar  year under the Plan or any other plan of the Bank or
     its  Subsidiaries  shall not exceed  $100,000.  For this purpose,  the fair
     market value of such shares shall be  determined  as of the date the option
     is granted and shall be computed in such manner as shall be  determined  by
     the Committee, consistent with the requirements of ss. 422A of the Code. If
     the  immediate  exercisability  of  incentive  stock  options  arising from
     retirement,  death  or  permanent  and  total  disability  of an  Optionee,
     pursuant to Section 5(e) above would cause this  $100,000  limitation to be
     exceeded for an Optionee,  the  Committee  shall  convert as of the date on
     which such incentive  stock options become  exercisable all or a portion of
     the   outstanding   incentive  stock  options  held  by  such  Optionee  to
     non-qualified  stock  options to the extent  necessary  to comply  with the
     $100,000 limitation in the Code.

          (i) Agreement.  Each option shall be evidenced by an agreement between
     the Optionee and the Bank which shall  provide,  among other things,  that,
     with respect to incentive stock options,  the Optionee will advise the Bank
     immediately  upon  any sale or  transfer  of the  shares  of  Common  Stock
     received  upon  exercise  of the option to the extent such sale or transfer
     takes  place prior to the later of (a) two (2) years from the date of grant
     or (b) one (1) year from the date of exercise.

     6. Incentive Stock Options and Non-Qualified Stock Options. Options granted
under the Plan may be  incentive  stock  options  under ss.  422A of the Code or
non-qualified stock options, provided,  however, that Outside Directors shall be
granted only non-qualified stock options.  All options granted hereunder will be
clearly  identified as either  incentive  stock options or  non-qualified  stock
options.  In no event will the exercise of an incentive  stock option affect the
right to exercise any non-qualified  stock option, nor shall the exercise of any
non-qualified  stock  option  affect the right to exercise any  incentive  stock
option.  Nothing  in this  Plan  shall be  construed  to  prohibit  the grant of
incentive  stock  options and  non-qualified  stock  options to the same person,
provided,  further, that incentive stock options and non-qualified stock options
shall not be granted in a manner whereby the exercise of one non-qualified stock
option or incentive stock option affects the exercisability of the other.

     7.  Adjustment  of Shares.  In the event of any change after the  effective
date  of the  Plan  in the  outstanding  stock  of the  Bank  by  reason  of any
reorganization,  recapitalization,  stock split, stock dividend,  combination of
shares, exchange of shares, merger or consolidation,  liquidation, extraordinary
distribution  (consisting of cash,  securities,  or other assets),  or any other
change after the effective date of the Plan in the nature of the shares of stock
of the Bank, the Committee shall determine what changes, if any, are appropriate
in the  number and kind of shares  reserved  under the Plan,  and the  Committee
shall  determine what changes,  if any, are  appropriate in the option price and
restricted  share  price  under and the  number  and kind of shares  covered  by
outstanding  Awards granted under the Plan. Any  determination  of the Committee
hereunder shall be conclusive.

     8. Restricted  Share Awards.  The Committee may also grant restricted share
awards of Common Stock which entitle Awardees to receive shares of Common Stock.
Each restricted  share award shall be evidenced by a Restricted  Share Agreement
between the Bank and the Awardee which  Agreement  shall set forth the terms and
conditions of the award to the extent not  inconsistent  with the  provisions of
the Plan. A restricted  share award may provide for the  crediting or payment to
the Awardee,  on each dividend payment date, of an amount equal to the dividends
on  awarded  shares.   A  restricted  share  award  may  also  provide  for  the
distribution of shares subject to the following conditions:

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          (a) the  shares  may not be  distributed  earlier  than six (6) months
     after grant;

          (b) the  shares  may  not be  transferred  until  the  lapsing  of the
     forfeiture provisions;

          (c) the shares shall be deposited with the Secretary of the Bank;

          (d) dividends on awarded  shares shall be distributed at such times as
     are determined by the Committee; and

          (e) the shares shall be subject to forfeiture under the  circumstances
     described  in the  Restricted  Share  Agreement  between  the  Bank and the
     Awardee.

Each  restricted  share award shall provide for the  distribution of the awarded
shares free of all  restrictions  at such time or times as the  Committee  shall
determine, and specify in the Restricted Share Agreement.

     9.  Replacement and Extension of the Terms of Options and Cash Awards.  The
Committee  from time to time may permit an Optionee  under the Plan or any other
stock option plan heretofore or hereafter  adopted by the Bank or any Subsidiary
to surrender  for  cancellation  any  unexercised  outstanding  stock option and
receive from his employing  corporation in exchange  therefor an option for such
number of shares of Common Stock as may be designated by the Committee.

     10.  Corporate  Reorganization.  Upon the dissolution or liquidation of the
Bank, or upon a reorganization,  merger or consolidation of the Bank as a result
of which  the  outstanding  securities  of the  class  then  subject  to  Awards
hereunder are changed into or exchanged  for cash or property or securities  not
of the Bank's  issue,  or upon a sale of  substantially  all the property of the
Bank to  another  corporation  or  person,  the  Plan  shall  terminate,  unless
provision shall be made in writing in connection  with such  transaction for the
continuance of the Plan and/or for the assumption of Awards theretofore granted,
or the  substitution  for such  Awards of options  or  restricted  share  awards
relating  to the stock of a  successor  employer  corporation,  or a parent or a
subsidiary  thereof,  with appropriate  adjustments as to the number and kind of
shares and prices, in which event the Plan and Awards theretofore  granted shall
continue  in the  manner  and  under  the  terms  so  provided.  If the Plan and
unexercised  or  unvested  awards  shall  terminate  pursuant  to the  foregoing
sentence with no assumption  of or  substitution  for  outstanding  Awards,  all
persons   entitled  to  exercise  any  unexercised   portions  of  Options  then
outstanding  shall have the right, at such time prior to the consummation of the
transaction causing such termination as the Bank shall designate, and subject to
any conditions  precedent in the agreements  governing such Awards,  to exercise
the unexercised portions of their Options or to receive the unvested portions of
the restricted stock awards, including the portions thereof which would, but for
this Section 10, not yet be exercisable or vested.

     11. Tax Withholding.  Whenever the Bank proposes or is required to issue or
transfer shares of Common Stock under the Plan, the Bank shall have the right to
require the Awardee or his or her legal  representative  to remit to the Bank an
amount  sufficient to satisfy any federal,  state and/or local  withholding  tax
requirements  prior to the delivery of any certificate or certificates  for such
shares or the lifting of legends on Common Stock subject to restrictions.

     12.  Amendment.  The Board of Directors of the Bank may amend the Plan from
time to time and, with the consent of the Awardee,  the terms and  provisions of
his  Awards,  except  that  without  the  approval  of the holders of at least a
majority  of the  shares  of the Bank  voting  in  person  or by proxy at a duly
constituted meeting or adjournment thereof:

          (a) the number of shares of stock which may be reserved  for  issuance
     under  the Plan may not be  increased,  except  as  provided  in  Section 7
     hereof;

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<PAGE>

          (b) the  period  during  which an option may be  exercised  may not be
     extended  beyond  ten (10)  years  from the date on which  such  option was
     granted; and

          (c) the class of persons to whom Awards may be granted  under the Plan
     shall not be modified materially.

     No  amendment  of the  Plan,  however,  may,  without  the  consent  of the
Awardees,  make any changes in any outstanding Awards theretofore  granted under
the Plan which would adversely affect the rights of such Awardees.

     13. Termination.  The Board of Directors of the Bank may terminate the Plan
at any time and no Award shall be granted thereafter. Such termination, however,
shall not affect the  validity of any option or cash award  theretofore  granted
under the Plan. In any event, no incentive stock option may be granted under the
Plan after the date which is ten (10) years from the effective date of the Plan.

     14. Successors.  This Plan shall be binding upon the successors and assigns
of the Bank.

     15.  Governing  Law.  The terms of any options  granted  hereunder  and the
rights and obligations  hereunder of the Bank, the Awardees and their successors
in interest shall,  except to the extent governed by federal law, be governed by
Indiana law.

     16. Government and Other Regulations.  The obligations of the Bank to issue
or transfer and deliver shares under options granted under the Plan or make cash
awards shall be subject to compliance  with all  applicable  laws,  governmental
rules and regulations, and administrative action.

     17.  Exercise or  Forfeiture  of Options at the Request of Primary  Federal
Regulator.  The Bank's primary federal  regulator may direct the Bank to require
Optionees to exercise or forfeit  options  awarded  under the Plan if the Bank's
capital falls below the minimum requirements,  as determined by the Bank's state
or primary federal regulator.

     18. Effective Date. The Plan shall become effective on the date the Plan is
approved  by the holders of at least a majority of the shares of the Bank voting
in person or by proxy at a duly constituted  meeting or adjournment  thereof and
any options granted pursuant to the Plan may not be exercised until the Board of
Directors of the Bank has been  advised by counsel  that such  approval has been
obtained and all other applicable legal requirements have been met.

                                       6EXHIBIT 10.2

                              EMPLOYMENT AGREEMENT

     This  Agreement,  made and dated as of February  21,  2000,  by and between
United  Commerce  Bank,  an Indiana bank  ("Employer"),  and Thomas G. Risen,  a
resident of Monroe County, Indiana ("Employee").

                               W I T N E S S E T H

     WHEREAS,  Employee is employed  by Employer as its  President  and has made
valuable contributions to the profitability and financial strength of Employer;

     WHEREAS,  Employer  desires  to  encourage  Employee  to  continue  to make
valuable  contributions  to Employer's  business  operations  and not to seek or
accept employment elsewhere;

     WHEREAS,  Employee  desires to be assured of a secure minimum  compensation
from Employer for his services over a defined term;

     WHEREAS,  Employer desires to assure the continued  services of Employee on
behalf of Employer on an objective and impartial  basis and without  distraction
or  conflict  of  interest  in the event of an  attempt  by any person to obtain
control of Employer;

     WHEREAS,  Employer  recognizes that when faced with a proposal for a change
of control of Employer,  Employee  will have a  significant  role in helping the
Boards of  Directors  assess the options and advising the Boards of Directors on
what is in the  best  interests  of  Employer  and its  shareholders,  and it is
necessary  for  Employee to be able to provide  this advice and counsel  without
being influenced by the uncertainties of his own situation;

     WHEREAS,  Employer  desires  to provide  fair and  reasonable  benefits  to
Employee on the terms and subject to the conditions set forth in this Agreement;

     WHEREAS,   Employer  desires  reasonable  protection  of  its  confidential
business  and  customer  information  which it has  developed  over the years at
substantial  expense and assurance  that Employee will not compete with Employer
for a  reasonable  period  of time  after  termination  of his  employment  with
Employer, except as otherwise provided herein.

     NOW,  THEREFORE,  in consideration of these premises,  the mutual covenants
and undertakings  herein  contained and the continued  employment of Employee by
Employer as its President,  Employer and Employee,  each intending to be legally
bound, covenant and agree as follows:
<PAGE>

     1.  Upon  the  terms  and  subject  to the  conditions  set  forth  in this
Agreement,  Employer  employs  Employee as  Employer's  President,  and Employee
accepts such employment.

     2.  Employee  agrees to serve as  Employer's  President and to perform such
duties in that office as may  reasonably be assigned to him by Employer's  Board
of Directors;  provided, however, that such duties shall be performed in or from
the offices of Employer currently located at Bloomington,  Indiana, and shall be
of the same  character as those  previously  performed by Employee and generally
associated  with the office held by Employee.  Employee shall not be required to
be absent from the location of the  principal  executive  offices of Employer on
travel  status or  otherwise  more than 45 days in any calendar  year.  Employer
shall not,  without  the  written  consent of  Employee,  relocate  or  transfer
Employee to a location more than 30 miles from Employer's primary office.  While
employed by Employer,  Employee shall devote substantially all his business time
and efforts to Employer's  business during regular  business hours and shall not
engage  in  any  other  related  business,  provided  however,  that  reasonable
voluntary  service by  Employee  during  regular  business  hours on behalf of a
non-profit  or  charitable  organization  shall not be deemed  to  violate  this
provision.  Employer shall nominate the Employee to successive terms as a member
of  Employer's  Board of  Directors  and shall use its best efforts to elect and
re-elect Employee as a member of such Board.

     3.  The term of this  Agreement  shall  begin on  February  21,  2000  (the
"Effective  Date") and shall end on the date which is three years following such
date; provided,  however, that such term shall be extended  automatically for an
additional year on each anniversary of the Effective Date if Employer's Board of
Directors  determines by resolution that the performance of the Employee has met
the  Board's  requirements  and  standards  and that  this  Agreement  should be
extended prior to such  anniversary of the Effective  Date,  unless either party
hereto gives  written  notice to the other party not to so extend  within ninety
(90)  days  prior  to such  anniversary,  in  which  case no  further  automatic
extension  shall  occur  and the  term of this  Agreement  shall  end two  years
subsequent  to the  anniversary  as of which the  notice  not to  extend  for an
additional  year is given (such term,  including  any  extension  thereof  shall
herein be referred to as the "Term").

     4. Employee shall receive an annual salary of $85,000 ("Base Compensation")
payable at regular  intervals  in  accordance  with  Employer's  normal  payroll
practices  now or  hereafter  in effect.  Employer may consider and declare from
time to time  increases in the salary it pays Employee and thereby  increases in
his Base Compensation. Prior to a Change of Control and after December 31, 2000,
Employer  may also  declare  decreases  in the  salary it pays  Employee  if the
operating  results of Employer are  significantly  less favorable than those for
the fiscal year ending  December 31, 2000, and Employer makes similar  decreases
in the salary it pays to other executive officers of Employer. After a Change in
Control,  Employer shall consider and declare  salary  increases  based upon the
following standards:

                                       2
<PAGE>

     Inflation;

     Adjustments to the salaries of other senior management personnel; and

     Past performance of Employee and the  contribution  which Employee makes to
     the business and profits of Employer during the Term.

Any and all increases or decreases in Employee's salary pursuant to this section
shall cause the level of Base  Compensation  to be increased or decreased by the
amount of each such  increase or decrease  for purposes of this  Agreement.  The
increased or decreased  level of Base  Compensation  as provided in this section
shall  become the level of Base  Compensation  for the  remainder of the Term of
this  Agreement  until  there  is  a  further   increase  or  decrease  in  Base
Compensation as provided herein.

     5. So long as Employee is employed by Employer  pursuant to this Agreement,
he shall be  included  as a  participant  in all  present  and  future  employee
benefit,  retirement, and compensation plans generally available to employees of
Employer, consistent with his Base Compensation and his position as President of
Employer, including, without limitation, any retirement plan, stock option plan,
and  hospitalization,  disability or group life  insurance  plan,  each of which
Employer  agrees to  continue  in effect on terms no less  favorable  than those
currently in effect as of the date hereof (as  permitted by law) during the Term
of this Agreement  unless prior to a Change of Control the operating  results of
Employer are significantly  less favorable than those for the fiscal year ending
December  31,  2000,  or unless  (either  before  or after a Change of  Control)
changes in the accounting, legal, or tax treatment of such plans would adversely
affect Employer's  operating  results or financial  condition in a material way,
and the Board of  Directors of Employer  concludes  that  modifications  to such
plans need to be made to avoid such adverse effects.

     6. So long as Employee is employed by Employer  pursuant to this Agreement,
Employee shall receive  reimbursement from Employer for all reasonable  business
expenses  incurred in the course of his employment by Employer,  upon submission
to Employer of written vouchers and statements for reimbursement. Employee shall
attend,  upon  the  prior  approval  of  Employer's  Board of  Directors,  those
professional  meetings,  conventions,  and/or  similar  functions  that he deems
appropriate and useful for purposes of keeping  abreast of current  developments
in the industry and/or promoting the interests of Employer.  So long as Employee
is employed by Employer pursuant to the terms of this Agreement,  Employer shall
maintain  vacation  policies  applicable to Employee no less  favorable from his
point of view than those written vacation policies in effect for other executive
officers of the Employer.  So long as Employee is employed by Employer  pursuant
to this  Agreement,  Employee  shall be  entitled  to office  space and  working
conditions no less favorable than those in effect for him on the date hereof.

                                       3
<PAGE>

     7.  Subject  to the  respective  continuing  obligations  of  the  parties,
including but not limited to those set forth in subsections 9(A), 9(B), 9(C) and
9(D) hereof,  Employee's  employment by Employer may be terminated  prior to the
expiration of the Term of this Agreement as follows:

     (A)  Employer,  by action of its Board of Directors and upon written notice
          to  Employee,   may  terminate  Employee's  employment  with  Employer
          immediately for cause. For purposes of this subsection  7(A),  "cause"
          shall be defined as (i) personal dishonesty, (ii) incompetence,  (iii)
          willful  misconduct,  (iv) breach of fiduciary duty involving personal
          profit, (v) intentional failure to perform stated duties, (vi) willful
          violation  of  any  law,  rule,  or  regulation  (other  than  traffic
          violations or similar  offenses) or final  cease-and-desist  order, or
          (vii) any material breach of any provision of this Agreement.

     (B)  Employer, by action of its Board of Directors may terminate Employee's
          employment with Employer without cause at any time; provided, however,
          that the "date of  termination"  for purposes of determining  benefits
          payable to Employee  under  subsection  8(B) hereof  shall be the date
          which  is 60 days  after  Employee  receives  written  notice  of such
          termination.

     (C)  Employee, by written notice to Employer,  may terminate his employment
          with Employer  immediately for cause.  For purposes of this subsection
          7(C),  "cause" shall be defined as (i) any action by Employer's  Board
          of Directors  to remove the Employee as President of Employer,  except
          where  the  Employer's  Board of  Directors  properly  acts to  remove
          Employee  from such office for "cause" as defined in  subsection  7(A)
          hereof, (ii) any action by Employer's Board of Directors to materially
          limit,  increase,  or modify  Employee's  duties  and/or  authority as
          President  of  Employer,  (iii) any  failure of Employer to obtain the
          assumption  of  the  obligation  to  perform  this  Agreement  by  any
          successor or the  reaffirmation  of such  obligation  by Employer,  as
          contemplated  in  section 20 hereof;  or (iv) any  material  breach by
          Employer of a term, condition or covenant of this Agreement.

     (D)  Employee,  upon  sixty  (60)  days  written  notice to  Employer,  may
          terminate his employment with Employer without cause.

     (E)  Employee's  employment  with Employer shall  terminate in the event of
          Employee's  death or  disability.  For purposes  hereof,  "disability"
          shall be defined as Employee's inability by reason of illness or other
          physical or mental  incapacity  to perform the duties  required by his
          employment  for any  consecutive  One Hundred Eighty (180) day period,
          provided  that  notice  of any  termination  by  Employer  because  of
          Employee's "disability" shall have been given to Employee prior to the
          full resumption by him of the performance of such duties.

                                       4
<PAGE>

     8. In the event of  termination  of  Employee's  employment  with  Employer
pursuant to section 7 hereof, compensation shall continue to be paid by Employer
to Employee as follows:

     (A)  In the  event of  termination  pursuant  to  subsection  7(A) or 7(D),
          compensation  provided for herein (including Base Compensation)  shall
          continue to be paid, and Employee shall continue to participate in the
          employee  benefit,   retirement,  and  compensation  plans  and  other
          perquisites  as provided in sections 5 and 6 hereof,  through the date
          of termination  specified in the notice of  termination.  Any benefits
          payable  under  insurance,  health,  retirement  and bonus  plans as a
          result of  Employee's  participation  in such plans  through such date
          shall be paid  when due under  those  plans.  The date of  termination
          specified in any notice of  termination  pursuant to  subsection  7(A)
          shall be no later  than the last  business  day of the  month in which
          such notice is provided to Employee.

     (B)  In the  event of  termination  pursuant  to  subsection  7(B) or 7(C),
          compensation  provided for herein (including Base Compensation)  shall
          continue to be paid, and Employee shall continue to participate in the
          employee  benefit,   retirement,  and  compensation  plans  and  other
          perquisites  as provided in sections 5 and 6 hereof,  through the date
          of termination  specified in the notice of  termination.  Any benefits
          payable  under  insurance,  health,  retirement  and bonus  plans as a
          result of  Employee's  participation  in such plans  through such date
          shall be paid when due under those plans. In addition,  Employee shall
          be entitled to continue to receive from Employer his Base Compensation
          at the  rates in  effect  at the  time of  termination  (1) for  three
          additional  l2-month  periods if the  termination  follows a Change of
          Control  or  (2)  for  the  remaining  Term  of the  Agreement  if the
          termination does not follow a Change of Control.  In addition,  during
          such periods,  Employer will maintain in full force and effect for the
          continued  benefit of Employee each employee  welfare benefit plan and
          each employee  pension  benefit plan (as such terms are defined in the
          Employee  Retirement Income Security Act of 1974, as amended) in which
          Employee was entitled to participate  immediately prior to the date of
          his  termination,   unless  an  essentially  equivalent  and  no  less
          favorable benefit is provided by a subsequent employer of Employee. If
          the terms of any employee  welfare  benefit  plan or employee  pension
          benefit  plan of Employer  do not permit  continued  participation  by
          Employee,  Employer  will  arrange to  provide  to  Employee a benefit
          substantially  similar to, and no less favorable  than, the benefit he
          was  entitled  to receive  under such plan at the end of the period of
          coverage.  For purposes of this Agreement, a "Change of Control" shall
          mean an acquisition of "control" of the Employer within the meaning of
          12 C.F.R.  ss.225.41(b) (other than a change of control resulting from
          a trustee or other  fiduciary  holding shares of Common Stock under an
          employee benefit plan of the Employer or any of its subsidiaries).

                                       5
<PAGE>

     (C)  In the event of termination pursuant to subsection 7(E),  compensation
          provided for herein (including Base Compensation) shall continue to be
          paid,  and  Employee  shall  continue to  participate  in the employee
          benefit,  retirement,  and compensation plans and other perquisites as
          provided  in sections 5 and 6 hereof,  (i) in the event of  Employee's
          death,  through the date of death,  or (ii) in the event of Employee's
          disability,  through  the  date of  proper  notice  of  disability  as
          required by subsection  7(E).  Any benefits  payable under  insurance,
          health,   retirement  and  bonus  plans  as  a  result  of  Employer's
          participation  in such plans  through such date shall be paid when due
          under those plans.

     (D)  In the  event of the  termination  of  Employee's  employment  for the
          reasons  set  forth  in  subsections  7(B)  or  (C),  the  date of the
          Employee's  termination  of employment  for purposes of the Employer's
          stock  option  plan shall be the date which is ninety  (90) days after
          Employee receives written notice of such termination.  For purposes of
          this section 8(D), Employee or his personal representative(s) or heirs
          may,  during such 90-day period,  exercise any stock option granted to
          Employee in whole or in part,  whether or not the option was otherwise
          exercisable  upon  the  date  the  Employee  received  notice  of  the
          termination of his employment.

     9. In order to  induce  Employer  to enter  into this  Agreement,  Employee
hereby agrees as follows:

     (A)  While Employee is employed by Employer and for a period of three years
          after  termination of such employment for reasons other than those set
          forth in subsections 7(B) or (C) of this Agreement, Employee shall not
          divulge or furnish  any trade  secrets  (as  defined in IND.  CODE ss.
          24-2-3-2) of Employer or any confidential  information acquired by him
          while employed by Employer concerning the policies,  plans, procedures
          or customers  of Employer to any person,  firm or  corporation,  other
          than  Employer  or upon its  written  request,  or use any such  trade
          secret  or  confidential   information   directly  or  indirectly  for
          Employee's  own  benefit  or for the  benefit of any  person,  firm or
          corporation  other  than  Employer,   since  such  trade  secrets  and
          confidential  information  are  confidential  and  shall at all  times
          remain the property of Employer.

                                       6
<PAGE>

     (B)  For a period of three years after termination of Employee's employment
          by Employer for reasons other than those set forth in subsections 7(B)
          or (C) of this  Agreement,  Employee  shall not directly or indirectly
          provide banking or bank-related  services to or solicit the banking or
          bank-related  business of any customer of Employer at the time of such
          provision of services or  solicitation  which  Employee  served either
          alone or with others  while  employed  by Employer in any city,  town,
          borough,  township, village or other place in which Employee performed
          services  for Employer  while  employed by it, or assist any actual or
          potential  competitor of Employer to provide  banking or  bank-related
          services to or solicit  any such  customer's  banking or  bank-related
          business in any such place.

     (C)  While  Employee is  employed by Employer  and for a period of one year
          after  termination  of  Employee's  employment by Employer for reasons
          other  than  those  set  forth  in  subsections  7(B)  or (C) of  this
          Agreement,  Employee shall not, directly or indirectly,  as principal,
          agent,  or  trustee,   or  through  the  agency  of  any  corporation,
          partnership, trade association, agent or agency, engage in any banking
          or bank-related  business which competes with the business of Employer
          as conducted during Employee's  employment by Employer within a radius
          of twenty-five (25) miles of Employer's main office.

     (D)  If Employee's  employment  by Employer is  terminated  for any reason,
          Employee  will  turn  over  immediately  thereafter  to  Employer  all
          business correspondence,  letters, papers, reports,  customers' lists,
          financial statements, credit reports or other confidential information
          or  documents  of  Employer or its  affiliates  in the  possession  or
          control of Employee, all of which writings are and will continue to be
          the sole and exclusive property of Employer or its affiliates.

If  Employee's  employment  by  Employer is  terminated  during the Term of this
Agreement for reasons set forth in  subsections  7(B) or (C) of this  Agreement,
Employee shall have no  obligations  to Employer with respect to  noncompetition
under sections 9(A) through (C) hereof.

     10. Any termination of Employee's  employment with Employer as contemplated
by section 7 hereof,  except in the circumstances of Employee's death,  shall be
communicated by written "Notice of Termination" by the terminating  party to the
other party hereto.  Any "Notice of Termination"  pursuant to subsections  7(A),
7(C) or 7(E) shall  indicate the specific  provisions of this  Agreement  relied
upon and shall  set  forth in  reasonable  detail  the  facts and  circumstances
claimed to provide a basis for such termination.

     11.  If  Employee  is  suspended   and/or   temporarily   prohibited   from
participating  in the conduct of  Employer's  affairs by a notice  served  under
section  8(e)(3) or (g)(1) of the Federal Deposit  Insurance Act (12 U.S.C.  ss.
1818(e)(3) or (g)(1)),  Employer's  obligations  under this  Agreement  shall be
suspended as of the date of service,  unless stayed by appropriate  proceedings.
If the charges in the notice are dismissed,  Employer shall (i) pay Employee all
or

                                       7
<PAGE>

part of the  compensation  withheld while its  obligations  under this Agreement
were suspended and (ii)  reinstate (in whole or in part) any of its  obligations
which were suspended.

     12. If Employee is removed and/or permanently prohibited from participating
in the conduct of Employer's affairs by an order issued under section 8(e)(4) or
(g)(1) of the  Federal  Deposit  Insurance  Act (12  U.S.C.  ss.  1818(e)(4)  or
(g)(1)),  all obligations of Employer under this Agreement shall terminate as of
the  effective  date of the  order,  but  vested  rights of the  parties  to the
Agreement shall not be affected.

     13. If Employer is in default (as defined in section 3(x)(1) of the Federal
Deposit  Insurance Act), all obligations under this Agreement shall terminate as
of the date of default, but this provision shall not affect any vested rights of
Employer or Employee.

     14. All obligations  under this Agreement shall be terminated except to the
extent  determined  that the  continuation of the Agreement is necessary for the
continued  operation of Employer:  (i) by the Director of the Indiana Department
of Financial Institutions,  or his or her designee (the "Director"), at the time
the Federal Deposit  Insurance  Corporation  enters into an agreement to provide
assistance to or on behalf of Employer under the authority  contained in Section
13(c) of the Federal Deposit  Insurance Act; or (ii) by the Director at the time
the  Director  approves  a  supervisory  merger to resolve  problems  related to
operation of Employer or when Employer is determined by the Director to be in an
unsafe and  unsound  condition.  Any  rights of the  parties  that have  already
vested, however, shall not be affected by such action.

     15.  Anything in this  Agreement  to the contrary  notwithstanding,  in the
event that the  Employer's  independent  public  accountants  determine that any
payment by the Employer to or for the benefit of the  Employee,  whether paid or
payable pursuant to the terms of this Agreement,  would be non-deductible by the
Employer for federal income tax purposes because of Section 280G of the Internal
Revenue Code of 1986, as amended (the "Code"), then the amount payable to or for
the benefit of the Employee pursuant to this Agreement shall be reduced (but not
below zero) to the Reduced Amount. For purposes of this section 15, the "Reduced
Amount" shall be the amount which  maximizes the amount payable  without causing
the payment to be  non-deductible by the Employer because of Section 280G of the
Code. Any payments made to Employee pursuant to this Agreement or otherwise, are
subject to and conditional upon their  compliance with 12 U.S.C.  ss.1828(k) and
any  regulations  promulgated  thereunder,  to the  extent  applicable  to  such
parties.

                                       8
<PAGE>

     16. If a dispute arises  regarding the termination of Employee  pursuant to
section 7 hereof or as to the  interpretation  or  enforcement of this Agreement
and  Employee  obtains a final  judgment  in his  favor in a court of  competent
jurisdiction  or his claim is settled by Employer  prior to the  rendering  of a
judgment by such a court,  all  reasonable  legal fees and expenses  incurred by
Employee in contesting or disputing any such termination or seeking to obtain or
enforce  any  right or  benefit  provided  for in this  Agreement  or  otherwise
pursuing his claim shall be paid by Employer, to the extent permitted by law.

     17. Should  Employee die after  termination of his employment with Employer
while any amounts are payable to him hereunder,  this  Agreement  shall inure to
the  benefit of and be  enforceable  by  Employee's  executors,  administrators,
heirs,  distributees,  devisees and legatees and all amounts  payable  hereunder
shall be paid in  accordance  with the  terms of this  Agreement  to  Employee's
devisee,  legatee or other  designee  or, if there is no such  designee,  to his
estate.

     18. For purposes of this  Agreement,  notices and all other  communications
provided  for herein  shall be in writing and shall be deemed to have been given
when delivered or mailed by United States  registered or certified mail,  return
receipt requested, postage prepaid, addressed as follows:

         If to Employee:   Thomas G. Risen
                           3532 Wellington Drive
                           Bloomington, Indiana 47401

          If to Employer:  United Commerce Bank
                           211 South College Avenue
                           Bloomington, Indiana 47404

or to such address as either party hereto may have  furnished to the other party
in writing in  accordance  herewith,  except  that  notices of change of address
shall be effective only upon receipt.

     19. The validity,  interpretation,  and performance of this Agreement shall
be governed by the laws of the State of Indiana, except as otherwise required by
mandatory operation of federal law.

     20. Employer shall require any successor  (whether  direct or indirect,  by
purchase, merger, consolidation or otherwise) to all or substantially all of the
business or assets of Employer, by agreement in form and substance  satisfactory
to Employee to expressly  assume and agree to perform this Agreement in the same
manner and same extent that Employer  would be required to perform it if no such
succession had taken place.  Failure of Employer to obtain such agreement  prior
to the  effectiveness  of any such  succession  shall be a material  intentional
breach of this Agreement and shall entitle  Employee to terminate his employment
with Employer  pursuant to subsection  7(C) hereof.  As used in this  Agreement,
"Employer" shall mean Employer as hereinbefore  defined and any successor to its
business or assets as aforesaid.

                                       9
<PAGE>

     21. No provision of this  Agreement  may be modified,  waived or discharged
unless such waiver,  modification or discharge is agreed to in writing signed by
Employee  and  Employer.  No waiver by  either  party  hereto at any time of any
breach by the 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  dissimilar  provisions  or  conditions  at the  same or any  prior
subsequent time. No agreements or representation,  oral or otherwise, express or
implied,  with  respect to the  subject  matter  hereof have been made by either
party which are not set forth expressly in this Agreement.

     22. The invalidity or  unenforceability of any provisions 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.

     23. This  Agreement  may be executed in one or more  counterparts,  each of
which shall be deemed an original but all of which together shall constitute one
and the same agreement.

     24. This  Agreement is personal in nature and neither  party hereto  shall,
without consent of the other, assign or transfer this Agreement or any rights or
obligations  hereunder  except as  provided  in section 17 and section 20 above.
Without  limiting  the  foregoing,  Employee's  right  to  receive  compensation
hereunder shall not be assignable or transferable,  whether by pledge,  creation
of a security interest or otherwise, other than a transfer by his will or by the
laws of descent or  distribution  as set forth in section 17 hereof,  and in the
event of any  attempted  assignment  or  transfer  contrary  to this  paragraph,
Employer  shall have no liability to pay any amounts so attempted to be assigned
or transferred.

                                       10
<PAGE>

     IN WITNESS  WHEREOF,  the parties have caused the  Agreement to be executed
and delivered as of the day and year first above set forth.

                                        UNITED COMMERCE BANK

                                        By: /s/ Geoffrey M. Grodner
                                           -------------------------------------
                                           Geoffrey M. Grodney, Secretary
                                                          "Employer"

                                        /s/ Thomas G. Risen
                                        ----------------------------------------
                                        Thomas G. Risen

                                                          "Employee"

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