Document:

EXHIBIT 10(d)

                         WYMAN PARK BANCORPORATION, INC.
                         RECOGNITION AND RETENTION PLAN

     1. Plan  Purpose.  The  purpose  of the Plan is to  promote  the  long-term
interests  of the  Corporation  and its  stockholders  by  providing a means for
attracting and retaining  directors,  officers and employees of the  Corporation
and its Affiliates.

     2. Definitions. The following definitions are applicable to the Plan:

     "Affiliate" - means any "parent corporation" or "subsidiary corporation" of
the  Corporation,  as  such  terms  are  defined  in  Section  424(e)  and  (f),
respectively, of the Code.

     "Association"  - means Wyman Park  Federal  Savings & Loan  Association,  a
savings institution and its successors.

     "Award" - means  the grant of  Restricted  Stock  pursuant  to the terms of
Section 13 of the Plan or by the Committee, as provided in the Plan.

     "Beneficiary" - means the person or persons  designated by a Participant to
receive any benefits  payable under the Plan in the event of such  Participant's
death.  Such person or persons shall be designated in writing on forms  provided
for this  purpose  by the  Committee  and may be  changed  from  time to time by
similar  written  notice  to  the  Committee.   In  the  absence  of  a  written
designation,  the Beneficiary  shall be the  Participant's  surviving spouse, if
any, or if none, his estate.

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

     "Committee"  -  means  the  Committee  of the  Board  of  Directors  of the
Corporation referred to in Section 7 hereof.

     "Continuous Service" - means the absence of any interruption or termination
of service as a  director,  advisory  director,  director  emeritus,  officer or
employee of the  Corporation or any  Affiliate.  Service shall not be considered
interrupted  in the case of sick  leave,  military  leave or any other  leave of
absence approved by the Corporation or any Affiliate or in the case of transfers
between  payroll  locations of the Corporation or between the  Corporation,  its
Affiliates or its successor.  With respect to any advisory  director or director
emeritus,  continuous  service  shall  mean the  availability  to  perform  such
functions as may be required of such individuals.

     "Corporation" - means Wyman Park Bancorporation, Inc.

     "Disability" - means any physical or mental  impairment  which  qualifies a
director,   advisory  director,  director  emeritus,  officer  or  employee  for
disability benefits under any

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applicable  long-term  disability  plan  maintained  by  the  Association  or an
Affiliate, or, if no such plan applies, which renders such employee or director,
in the judgment of the  Committee,  unable to perform his  customary  duties and
responsibilities.

     "Early  Retirement"  --  means  retirement  from  employment  with  or as a
director,  advisory  director,  or emeritus director of the Corporation prior to
the  Participant  either  (i)  having  reached  the  age  of 62 or  (ii)  having
maintained Continuous Service for at least three years.

     "ERISA" - means the Employee  Retirement  Income  Security Act of 1974,  as
amended.

     "Non-Employee  Director"  - means a director  who (a) is not  currently  an
officer or  employee  of the  Corporation;  (b) is not a former  employee of the
Corporation  who receives  compensation  for prior  services  (other than from a
tax-qualified  retirement plan); (c) has not been an officer of the Corporation;
(d) does not receive renumeration rom the Corporation in any capacity other than
as a director; and (e) does not possess an interest in any other transactions or
is not engaged in a business relationship for which disclosure would be required
under Item 404(a) or (b) of Regulation S-K.

     "Normal  Retirement"  --  means  retirement  from  employment  with or as a
director,  advisory director,  or emeritus director of the Corporation after the
Participant has (i) reached the age of 65 and (ii) maintained Continuous Service
for at least three years.

     "Participant" - means any director,  advisory director,  director emeritus,
officer or employee of the  Corporation  or any Affiliate who is selected by the
Committee to receive an Award or is granted an Award.

     "Plan" - means the Recognition and Retention Plan of the Corporation.

     "Restricted  Period" - means the period of time  selected by the  Committee
for the purpose of determining  when  restrictions are in effect under Section 3
hereof with respect to Restricted Stock awarded under the Plan.

     "Restricted Stock" - means Shares which have been contingently awarded to a
Participant by the Committee subject to the restrictions  referred to in Section
3 hereof, so long as such restrictions are in effect.

     "Shares"  - means the  common  stock,  par value  $0.01 per  share,  of the
Corporation.

     3. Terms and Conditions of Restricted  Stock. The Committee  referred to in
Section  7  hereof  shall  have  full and  complete  authority,  subject  to the
limitations  of the Plan,  to grant  Awards  and,  in  addition to the terms and
conditions contained in paragraphs (a) through (f) of this Section 3, to provide
such other terms and conditions (which need not be identical among Participants)
in respect of such  Awards,  and the vesting  thereof,  as the  Committee  shall
determine.

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(a)  At the time of an Award, the Committee shall establish for each Participant
     a Restricted  Period  during which or at the  expiration  of which,  as the
     Committee  shall  determine  and  provide in the  agreement  referred to in
     paragraph  (d) of this Section 3, the Shares  awarded as  Restricted  Stock
     shall  vest,  and  subject to any such other  terms and  conditions  as the
     Committee  shall  provide,  Shares  of  Restricted  Stock  may not be sold,
     assigned,  transferred,  pledged,  voted  or  otherwise  encumbered  by the
     Participant,  except as hereinafter provided, during the Restricted Period.
     Except for such restrictions, and subject to paragraphs (d) and (e) of this
     Section 3 and  Section 4 hereof,  the  Participant  as owner of such Shares
     shall have all the rights of a  stockholder.  The Committee  shall have the
     authority, in its discretion, to accelerate the time at which any or all of
     the restrictions  shall lapse with respect to an Award, or to remove any or
     all of such  restrictions,  whenever it may  determine  that such action is
     appropriate  by reason of changes in applicable  tax or other laws or other
     changes  in   circumstances   occurring  after  the  commencement  of  such
     Restricted Period.

(b)  Except as provided in Section 5 hereof, if a Participant ceases to maintain
     Continuous  Service for any reason  (other than death,  Disability,  Normal
     Retirement,  or Early  Retirement),  unless the Committee  shall  otherwise
     determine,  all  Shares of  Restricted  Stock  theretofore  awarded to such
     Participant and which at the time of such termination of Continuous Service
     are subject to the restrictions  imposed by paragraph (a) of this Section 3
     shall upon such termination of Continuous Service be forfeited and returned
     to the Corporation.  If a Participant ceases to maintain Continuous Service
     by reason of death,  Disability,  Normal  Retirement,  or Early Retirement,
     Restricted  Stock then still subject to  restrictions  imposed by paragraph
     (a) of this  Section  3 will be free of  those  restrictions  as of the day
     prior to such death, Disability, Normal Retirement, or Early Retirement.

(c)  Each certificate in respect of Shares of Restricted Stock awarded under the
     Plan shall be  registered in the name of the  Participant  and deposited by
     the  Participant,  together with a stock power endorsed in blank,  with the
     Corporation and shall bear the following (or a similar) legend:

          The  transferability  of this  certificate  and the  shares  of  stock
     represented  hereby  are  subject  to the terms and  conditions  (including
     forfeiture)  contained in the  Recognition and Retention Plan of Wyman Park
     Bancorporation,  Inc. Copies of such Plan are on file in the offices of the
     Secretary  of  Wyman  Park  Bancorporation,  Inc.,  11 West  Ridgely  Road,
     Lutherville, Maryland 21093.

(d)  At the time of the granting of any Award, the Participant  shall enter into
     an Agreement  with the  Corporation  in a form  specified by the Committee,
     agreeing to the terms and conditions of the Award and such other matters as
     the Committee,  in its sole  discretion,  shall determine (the  "Restricted
     Stock Agreement").

(e)  At the time of an Award,  the Committee may, in its  discretion,  determine
     that the payment to the  Participant  of dividends  declared or paid by the
     Corporation on any Restricted  Stock shall be deferred until the earlier to
     occur of (i) the lapsing of the restrictions imposed

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     under paragraph (a) of this Section 3 or (ii) the forfeiture of such Shares
     under  paragraph  (b) of this  Section 3, and shall  instead be held by the
     Corporation  for the  account of the  Participant  until such time.  In the
     event of such deferral, there shall be credited at the end of each year (or
     portion thereof) interest on the amount of the Participant's account at the
     beginning  of the  year  at a rate  per  annum  as  the  Committee,  in its
     discretion,   may   determine.   Payment  of  deferred   dividends  to  the
     Participant, together with interest accrued thereon, shall be made upon the
     earlier to occur of the events specified in (i) and (ii) of the immediately
     preceding sentence.

(f)  At the lapsing of the restrictions imposed by paragraph (a) of this Section
     3, the  Corporation  shall  redeliver  to the  Participant  (or  where  the
     relevant  provision of paragraph  (b) of this Section 3 applies in the case
     of a deceased  Participant,  to his legal  representative,  Beneficiary  or
     heir) the  certificate(s)  and stock  power  deposited  with it pursuant to
     paragraph  (c) of  this  Section  3 and  the  Shares  represented  by  such
     certificate(s)  shall be free of the restrictions  referred to in paragraph
     (a) of this Section 3.

     4. Adjustments Upon Changes in  Capitalization.  In the event of any change
in the outstanding Shares subsequent to the effective date of the Plan by reason
of  any   reorganization,   recapitalization,   stock  split,   stock  dividend,
combination or exchange of shares,  merger,  consolidation  or any change in the
corporate  structure or shares of the Corporation,  the maximum aggregate number
and class of Shares as to which  Awards  may be  granted  under the Plan and the
number and class of Shares with  respect to which Awards  theretofore  have been
granted under the Plan shall be appropriately  adjusted by the Committee,  whose
determination  shall be  conclusive.  Any  shares  of stock or other  securities
received, as a result of any of the foregoing,  by a Participant with respect to
Restricted   Stock   shall  be  subject  to  the  same   restrictions   and  the
certificate(s)  or other  instruments  representing or evidencing such shares or
securities  shall be legended and deposited  with the  Corporation in the manner
provided in Section 3 hereof.

     5.  Effect  of Change  in  Control.  Each of the  events  specified  in the
following  clauses (i) through (iii) of this Section 5 shall be deemed a "change
of  control":  (i) any third  person,  including a "group" as defined in Section
13(d)(3) of the  Securities  Exchange Act of 1934, as amended,  shall become the
beneficial  owner of shares of the Corporation with respect to which 25% or more
of the total  number of votes for the  election of the Board of Directors of the
Corporation  may be cast,  (ii) as a result of, or in connection  with, any cash
tender offer, merger or other business combination,  sale of assets or contested
election, or combination of the foregoing, the persons who were directors of the
Corporation  shall cease to  constitute  a majority of the Board of Directors of
the Corporation,  or (iii) the stockholders of the Corporation  shall approve an
agreement providing either for a transaction in which the Corporation will cease
to  be  an  independent  publicly-owned  corporation  or  for a  sale  or  other
disposition of all or substantially all of the assets of the Corporation. Upon a
change in control,  unless the Committee  shall have  otherwise  provided in the
applicable  Restricted  Stock Agreement,  any Restricted  Period with respect to
Restricted Stock  theretofore  awarded to such participant  shall lapse upon the
happening of such event and all Shares awarded as Restricted  Stock shall become
fully vested in the Participant to whom such Shares were awarded.

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<PAGE>

     6. Assignments and Transfers.  During the Restricted  Period,  no Award nor
any  right  or  interest  of a  Participant  under  the  Plan in any  instrument
evidencing  any Award under the Plan may be assigned,  encumbered or transferred
except  (i) in the event of the death of a  Participant,  by will or the laws of
descent and  distribution,  or (ii) pursuant to a qualified  domestic  relations
order as defined in the Code or Title I of ERISA or the rules thereunder.

     7. Administration. The Plan shall be administered by a Committee consisting
of two or more  members,  each of whom  shall be a  Non-Employee  Director.  The
members of the  Committee  shall be  appointed  by the Board of Directors of the
Corporation.  Except as  limited  by the  express  provisions  of the Plan,  the
Committee  shall have sole and complete  authority and discretion to: (i) select
Participants and grant Awards; (ii) determine the number of Shares to be subject
to types of Awards  generally,  as well as individual  Awards  granted under the
Plan;  (iii)  determine  the terms and  conditions  upon which  Awards  shall be
granted  under  the  Plan;  (iv)  prescribe  the form and  terms of  instruments
evidencing such grants;  and (v) establish from time to time regulations for the
administration  of the Plan,  interpret  the Plan,  and make all  determinations
deemed necessary or advisable for the administration of the Plan.

     A majority of the Committee  shall  constitute a quorum,  and the acts of a
majority of the members present at any meeting at which a quorum is present,  or
acts approved in writing by a majority of the Committee without a meeting, shall
be acts of the Committee.

     8. Shares Subject to Plan and Delivery and  Registration of Stock.  Subject
to adjustment by the operation of Section 4 hereof, the maximum number of Shares
with respect to which Awards may be made under the Plan is 40,468  Shares of the
Corporation.  The Shares with respect to which Awards may be made under the Plan
may be either  authorized  and unissued  Shares or issued  Shares  heretofore or
hereafter  reacquired  and  held as  treasury  Shares.  An  Award  shall  not be
considered  to have been made under the Plan with  respect to  Restricted  Stock
which is forfeited  and new Awards may be granted under the Plan with respect to
the number of Shares as to which such forfeiture has occurred.

     The  Corporation's  obligation  to deliver  Shares with respect to an Award
shall,  if the  Committee  so  requests,  be  conditioned  upon the receipt of a
representation  as to the investment  intention of the  Participant to whom such
Shares are to be delivered,  in such form as the Committee shall determine to be
necessary or advisable to comply with the  provisions of the  Securities  Act of
1933 or any other Federal,  state or local securities legislation or regulation.
It may be provided that any representation  requirement shall become inoperative
upon a registration  of the Shares or other action  eliminating the necessity of
such representation  under such Securities Act or other securities  legislation.
The Corporation shall not be required to deliver any Shares under the Plan prior
to (i) the  admission  of such shares to listing on any stock  exchange on which
Shares may then be listed, and (ii) the completion of such registration or other
qualification of such Shares under any state or Federal law, rule or regulation,
as the Committee shall determine to be necessary or advisable.

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     This Plan is  intended  to  comply  with Rule  16b-3  under the  Securities
Exchange Act of 1934. Any provision of the Plan which is inconsistent  with said
Rule shall,  to the extent of such  inconsistency,  be inoperative and shall not
affect the validity of the remaining provisions of the Plan.

     9. Employee Rights Under the Plan. No director, advisory director, director
emeritus, officer or employee shall have a right to be selected as a Participant
nor,  having been so  selected,  to be selected  again as a  Participant  and no
director, advisory director, director emeritus officer, employee or other person
shall have any claim or right to be granted an Award under the Plan or under any
other incentive or similar plan of the Corporation or any Affiliate. Neither the
Plan nor any action taken thereunder shall be construed as giving any officer or
employee  any  right  to be  retained  in the  employ  of the  Corporation,  the
Association or any Affiliate.

     10.  Withholding  Tax. Upon the  termination of the Restricted  Period with
respect to any shares of Restricted  Stock (or at any such earlier time, if any,
that an election is made by the Participant  under Section 83(b) of the Code, or
any successor  provision thereto, to include the value of such Shares in taxable
income),  the  Corporation  may withhold from any payment or  distribution  made
under this Plan  sufficient  Shares or may  withhold  or cause to be paid by the
Participant  sufficient cash to cover any applicable  withholding and employment
taxes.  The  Corporation  shall have the right to deduct from all dividends paid
with  respect to Shares of  Restricted  Stock the amount of any taxes  which the
Corporation is required to withhold with respect to such dividend  payments.  No
discretion or choice shall be conferred upon any Participant with respect to the
form, timing or method of any such tax withholding.

     11. Amendment or Termination. The Board of Directors of the Corporation may
amend,  suspend  or  terminate  the Plan or any  portion  thereof  at any  time;
provided,  however,  that no such  amendment,  suspension or  termination  shall
impair  the  rights  of any  Participant,  without  his  consent,  in any  Award
theretofore made pursuant to the Plan.

     12.  Effective Date and Term of Plan. The Plan shall become  effective upon
its ratification by the  stockholders of the  Corporation.  It shall continue in
effect for a term of ten years unless sooner terminated under Section 10 hereof.

     13. Initial Grants.  By, and  simultaneously  with, the ratification of the
Plan by the Corporation's stockholders, each member of the Board of Directors of
the  Corporation  who is not a full-time  Employee,  is hereby  granted an Award
equal to 2,023 Shares of the  Corporation's  common stock. Each such Award shall
be evidenced by a Restricted Stock Agreement in a form approved by the Committee
administering  this Plan and shall be subject in all  respects  to the terms and
conditions  of this Plan,  which are  controlling.  The Awards will vest in five
equal  installments,  with the first  installment  vesting  immediately upon the
ratification of the Plan by the  Corporation's  stockholders and each additional
installment  vesting after the end of the subsequent  calendar years, as long as
the  director   maintains   Continuous  Service  with  the  Corporation  or  its
Affiliates.

                                       B-6EXHIBIT 10.4

                     HOME FEDERAL BANK, FEDERAL SAVINGS BANK

                           --------------------------
                            Employment Agreement with
                                  David B. Cook
                           --------------------------

         THIS  AGREEMENT  entered into this 19th day of September,  2000, by and
between Home Federal Bank, Federal Savings Bank (the "Bank"),  and David B. Cook
(the  "Executive"),  effective  on  the  Effective  Date,  is an  amendment  and
restatement  of the agreement  entered into by and between the Bank and David B.
Cook on March 23, 1999.

         WHEREAS, the parties desire by this writing to set forth the continuing
employment relationship of the Bank and the Executive.

         NOW, THEREFORE, it is AGREED as follows:

               1.  Defined Terms

         When used anywhere in this  Agreement,  the following  terms shall have
the meaning set forth herein.

                   (a) "Board" shall mean the Board of Directors of the Bank.

                   (b) "Change in Control"  shall mean any one of the  following
events: (i) the acquisition of ownership, holding or power to vote more than 25%
of the Bank's or the Company's voting stock, (ii) the acquisition of the ability
to control the election of a majority of the Bank's or the Company's  directors,
(iii) the acquisition of a controlling influence over the management or policies
of the Bank or the  Company  by any  person  or by  persons  acting as a "group"
(within the meaning of Section 13(d) of the Securities Exchange Act of 1934), or
(iv) during any period of two consecutive  years,  individuals  (the "Continuing
Directors")  who at the  beginning  of  such  period  constitute  the  Board  of
Directors of the Bank or the Company (the "Existing Board") cease for any reason
to constitute at least  two-thirds  thereof,  provided that any individual whose
election  or  nomination  for  election  as a member of the  Existing  Board was
approved by a vote of at least  two-thirds of the  Continuing  Directors then in
office shall be considered a Continuing Director. Notwithstanding the foregoing,
in the case of (i), (ii) and (iii)  hereof,  ownership or control of the Bank by
the Company  itself shall not  constitute  a Change in Control.  For purposes of
this paragraph only, the term "person" refers to an individual or a corporation,
partnership,   trust,   association,   joint  venture,  pool,  syndicate,   sole
proprietorship,  unincorporated  organization  or any other  form of entity  not
specifically listed herein.

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<PAGE>

                   (c) "Code" shall mean the Internal  Revenue Code of 1986,  as
amended from time to time, and as  interpreted  through  applicable  rulings and
regulations in effect from time to time.

                   (d) "Codess.280G  Maximum" shall mean the product of 2.99 and
his "base amount" as defined in Codess.280G(b)(3).

                   (e) "Company" shall mean HFB Financial Corporation.

                   (f) "Disability"  shall mean, for purposes of this Agreement,
a  physical  or mental  infirmity  which  impairs  the  Executive's  ability  to
substantially  perform his duties under this  Agreement and which results in the
Executive becoming eligible for long-term  disability  benefits under the Bank's
long-term  disability  plan (or,  if the Bank has no such plan in effect,  which
impairs the Executive's  ability to substantially  perform his duties under this
Agreement for a period of 180 consecutive days).

                   (g) "Effective Date" shall mean September 19, 2000.

                   (h)  "Expiration  Date" shall mean the date on which the term
of this Agreement  expires pursuant to Section 5 hereof (taking into account any
and all renewals of such term).

                   (i) "Good  Reason"  shall mean any of the  following  events,
which has not been consented to in advance by the Executive in writing:  (i) the
requirement  that the  Executive  move his  personal  residence,  or perform his
principal executive functions,  more than 35 miles from his primary office as of
the later of the Effective Date and the most recent voluntary  relocation by the
Executive;  (ii) a material reduction in the Executive's base compensation under
this Agreement as the same may be increased from time to time; (iii) the failure
by the Bank to continue to provide the Executive with  compensation and benefits
provided under this Agreement as the same may be increased from time to time, or
with benefits  substantially  similar to those  provided to him under any of the
employee  benefit  plans in which  the  Executive  now or  hereafter  becomes  a
participant,  or the taking of any action by the Bank which  would  directly  or
indirectly  reduce any of such benefits or deprive the Executive of any material
fringe benefit enjoyed by him under this  Agreement;  (iv) the assignment to the
Executive  of  duties  and  responsibilities  materially  different  from  those
normally associated with his position; (v) a failure to reelect the Executive to
the Board of Directors of the Bank;  (vi) a material  diminution or reduction in
the   Executive's    responsibilities   or   authority    (including   reporting
responsibilities)  in connection  with his employment  with the Bank; or (vii) a
material  reduction in the  secretarial or other  administrative  support of the
Executive.

                   (j) "Just Cause" shall mean, in the good faith  determination
of  the  Board,  the  Executive's  personal  dishonesty,  incompetence,  willful
misconduct,  breach of fiduciary duty  involving  personal  profit,  intentional
failure  to  perform  stated  duties,  willful  violation  of any  law,  rule or
regulation  (other  than  traffic  violations  or  similar  offenses)  or  final

                                       2
<PAGE>

cease-and-desist  order,  or material breach of any provision of this Agreement.
No act, or failure to act, on the Executive's part shall be considered "willful"
unless he has acted, or failed to act, with an absence of good faith and without
a reasonable  belief that his action or failure to act was in the best  interest
of the Bank.

                   (k) "Present  Value" shall mean the applicable  federal rate,
as determined in accordance with the rules and regulations under Codess. 280G.

                   (l)  "Protected  Period" shall mean the period that begins on
the date six  months  before a Change  in  Control  and ends on the later of the
second annual  anniversary  of the Change in Control or the  expiration  date of
this Agreement.

                   (m)  "Trust"  shall mean a grantor  trust that is designed in
accordance  with Revenue  Procedure  92-64 and has a trustee  independent of the
Bank.

               2.  Employment.  The  Executive is employed as the  President and
Chief   Executive   Officer  of  the  Bank.  The  Executive  shall  render  such
administrative  and management  services for the Bank as are currently  rendered
and as are  customarily  performed  by persons  situated in a similar  executive
capacity.  The Executive shall also promote,  by entertainment or otherwise,  as
and to the extent  permitted by law, the business of the Bank.  The  Executive's
other duties shall be such as the Board may from time to time reasonably direct,
including normal duties as an officer of the Bank.

               3. Base Compensation. The Bank agrees to pay the Executive during
the term of this  Agreement  a  salary  at the rate of  $137,500.00  per  annum,
payable in cash not less  frequently than monthly.  The Board shall review,  not
less often than annually,  the rate of the Executive's  salary,  and in its sole
discretion may decide to increase his salary.

               4. Discretionary  Bonuses.  The Executive shall participate in an
equitable  manner  with all other  senior  management  employees  of the Bank in
discretionary  bonuses  that the Board may award from time to time to the Bank's
senior  management  employees.  No  other  compensation  provided  for  in  this
Agreement shall be deemed a substitute for the Executive's  right to participate
in such discretionary bonuses. Notwithstanding the foregoing, following a Change
in Control, the Executive shall receive  discretionary  bonuses that are made no
less  frequently  than,  and in annual amounts not less than, the average annual
discretionary  bonuses paid to the Executive  during each of the three  calendar
years immediately preceding the year in which such Change in Control occurs.

               5. Other Benefits.

                   (a)  Participation  in  Retirement,  Medical and Other Plans.
During  the  term  of  this  Agreement,  the  Executive  shall  be  eligible  to
participate  in the  following  benefit  plans  maintained  by the  Bank:  group
hospitalization,  disability, health, dental, sick leave, life insurance, travel
and/or accident  insurance,  auto  allowance/auto  lease,  retirement,  pension,
and/or other present or future qualified plans provided by the Bank,  generally,
which  benefits,  taken as a whole,  must be at least as  favorable  as those in

                                       3
<PAGE>

effect on the Effective Date.  Further, if the Executive retires from employment
with the Bank at or after age 55 and for a reason  other  than Just  Cause,  the
Bank shall provide the Executive and his legal dependents with medical insurance
coverage that is not less favorable than the coverage that the Bank provides for
its officers.  The Bank shall pay all premiums for this coverage,  shall provide
it for the Executive's  lifetime,  and agrees that this obligation shall survive
expiration of this Agreement.

                   (b)  Employee  Benefits;  Expenses.  The  Executive  shall be
eligible to participate in any fringe benefits which are or may become available
to the Bank's senior  management  employees,  including  for example:  any stock
option  or  incentive  compensation  plans,  and any  other  benefits  which are
commensurate  with the  responsibilities  and  functions  to be performed by the
Executive  under this  Agreement.  The  Executive  shall be  reimbursed  for all
reasonable  out-of-pocket  business  expenses which he shall incur in connection
with his services under this Agreement upon  substantiation  of such expenses in
accordance with the policies of the Bank.

               6. Term. The Bank hereby employs the Executive, and the Executive
hereby accepts such employment under this Agreement,  for the period  commencing
on the Effective  Date and ending 36 months  thereafter (or such earlier date as
is  determined  in  accordance  with Section 10).  Additionally,  on each annual
anniversary  date from the Effective  Date, the  Executive's  term of employment
shall be extended for an additional  one-year  period beyond the then  effective
expiration date, provided the Board determines in a duly adopted resolution that
the performance of the Executive has met the Board's requirements and standards,
and that this Agreement  shall be extended.  Only those members of the Board who
have no personal interest in this Employment Agreement shall discuss and vote on
the approval and subsequent review of this Agreement.

               In  the  event  the  Executive  serves  the  full  term  of  this
Agreement,   and  the  Bank  does  not  offer  to  renew  this   Agreement  upon
substantially  the same terms and conditions for an additional three- year term,
the Executive shall be entitled to a severance benefit equal to twelve months of
his then current  base monthly  salary,  plus such vested  employee  benefits to
which the Executive may be entitled when due and payable.

               7. Loyalty; Noncompetition.

                   (a) During the period of his employment  hereunder and except
for illnesses,  reasonable  vacation periods,  and reasonable leaves of absence,
the Executive  shall devote all his full business time,  attention,  skill,  and
efforts to the faithful performance of his duties hereunder;  provided, however,
from time to time,  the  Executive  may serve on the boards of directors of, and
hold any other offices or positions in, companies or  organizations,  which will
not present any conflict of interest with the Bank or any of its subsidiaries or
affiliates,  or unfavorably  affect the  performance of the  Executive's  duties
pursuant  to this  Agreement,  or will not  violate  any  applicable  statute or
regulation.  "Full  business  time" is  hereby  defined  as that  amount of time
usually  devoted to like  companies by similarly  situated  executive  officers.
During the term of his employment under this Agreement,  the Executive shall not
engage in any business or activity contrary to the business affairs or interests

                                       4
<PAGE>

of the Bank, or be gainfully employed in any other position or job other than as
provided above.

                   (b)  Nothing  contained  in this  Section  shall be deemed to
prevent or limit the  Executive's  right to invest in the capital stock or other
securities  of any business  dissimilar  from that of the Bank,  or, solely as a
passive or minority investor, in any business.

               8.  Standards.  The Executive shall perform his duties under this
Agreement  in  accordance  with  such  reasonable  standards  as the  Board  may
establish  from  time to time.  The Bank will  provide  the  Executive  with the
working  facilities and staff customary for similar executives and necessary for
him to perform his duties.

               9. Vacation and Sick Leave. At such reasonable times as the Board
shall in its discretion permit, the Executive shall be entitled, without loss of
pay, to absent himself  voluntarily from the performance of his employment under
this Agreement,  all such voluntary absences to count as vacation time, provided
that:

                   (a) The Executive  shall be entitled to an annual vacation in
accordance with the policies that the Board periodically  establishes for senior
management employees of the Bank.

                   (b)  The   Executive   shall  not  receive   any   additional
compensation from the Bank on account of his failure to take a vacation, and the
Executive  shall not  accumulate  unused  vacation or sick leave from one fiscal
year to the next, except in either case to the extent authorized by the Board.

                   (c)  In  addition  to  the  aforesaid  paid  vacations,   the
Executive shall be entitled  without loss of pay, to absent himself  voluntarily
from the performance of his employment with the Bank for such additional periods
of time and for such  valid  and  legitimate  reasons  as the  Board  may in its
discretion  determine.  Further, the Board may grant to the Executive a leave or
leaves of  absence,  with or  without  pay,  at such time or times and upon such
terms and conditions as such Board in its discretion may determine.

                   (d) In addition, the Executive shall be entitled to an annual
sick leave benefit as established by the Board.

               10.  Termination  and  Termination  Pay.  Subject  to  Section 12
hereof,  the  Executive's  employment  hereunder  may be  terminated  under  the
following circumstances:

                   (a) Death.  The Executive's  employment  under this Agreement
shall terminate upon his death during the term of this Agreement, in which event
the  Executive's  estate shall be entitled to receive the  compensation  due the
Executive through the Agreement's Expiration Date.

                                       5
<PAGE>

                   (b)  Disability.  The  Bank  may  terminate  the  Executive's
employment after having  established the Executive's  Disability.  The Executive
shall be entitled  to the  compensation  and  benefits  provided  for under this
Agreement for (i) any period during the term of this  Agreement and prior to the
establishment of the Executive's Disability during which the Executive is unable
to work  due to the  physical  or  mental  infirmity,  or  (ii)  any  period  of
Disability which is prior to the Executive's  termination of employment pursuant
to this  Section;  provided  that any benefits  paid pursuant to the Bank's long
term disability  plan will continue as provided in such plan.  During any period
that the Executive shall receive disability  benefits and to the extent that the
Executive  shall be physically and mentally able to do so, he shall furnish such
information,  assistance and documents so as to assist in the continued  ongoing
business of the Bank and, if able,  shall make himself  available to the Bank to
undertake  reasonable  assignments  consistent  with his prior  position and his
physical and mental health. The Bank shall pay all reasonable  expenses incident
to  the  performance  of  any  assignment  given  to the  Executive  during  the
disability period.

                   (c) Just  Cause.  The Board  may,  by  written  notice to the
Executive, immediately terminate his employment at any time, for Just Cause. The
Executive shall have no right to receive  compensation or other benefits for any
period after termination for Just Cause.

                   (d) Without  Just Cause;  Constructive  Discharge.  The Board
may, by written notice to the Executive, immediately terminate his employment at
any time for a reason other than Just Cause,  in which event the Executive shall
be entitled to receive the  following  compensation  and  benefits  (unless such
termination  occurs during the Protected Period, in which event the benefits and
compensation  provided for in Section 12 shall apply):  (i) the salary  provided
pursuant to Section 3 hereof, up to the Expiration Date, plus said salary for an
additional 12-month period, and (ii) at the Executive's election either (A) cash
in an  amount  equal  to the  Present  Value  of the  cost to the  Executive  of
obtaining all health,  life,  disability  and other benefits which the Executive
would have been eligible to  participate  in through the  Expiration  Date based
upon the benefit levels  substantially equal to those that the Bank provided for
the  Executive  at the  date of  termination  of  employment,  or (B)  continued
participation  under such Bank benefit plans through the  Expiration  Date,  but
only to the extent the Executive continues to qualify for participation therein;
provided  that in no event shall the total value of the  payments  due under (i)
and (ii) hereof exceed three years' total  compensation.  All amounts payable to
the Executive shall be paid, at the option of the Executive,  either in periodic
payments through the Expiration Date, or in one lump sum within ten days of such
termination  (in which event he shall receive the Present Value of such periodic
payments).

                   (e) Good Reason.  The Executive  shall be entitled to receive
the compensation and benefits payable under subsection 10(d) hereof in the event
that he  voluntarily  terminates  employment  within  90 days of an  event  that
constitutes Good Reason,  (unless such voluntary  termination  occurs during the
Protected Period,  in which event the benefits and compensation  provided for in
Section 12 shall apply).

                   (f) Voluntary Termination by Executive. Subject to Section 12
hereof, the Executive may voluntarily  terminate employment with the Bank during
the term of this  Agreement,  upon at least 90 days' prior written notice to the

                                       6
<PAGE>

Board, in which case the Executive shall receive only his  compensation,  vested
rights and  employee  benefits up to the date of his  termination  (unless  such
termination  occurs  pursuant to Section  10(e)  hereof or within the  Protected
Period,  in which event the benefits and  compensation  provided for in Sections
10(d) or 12, as applicable, shall apply).

               11.  No  Mitigation.  The  Executive  shall  not be  required  to
mitigate  the amount of any payment  provided  for in this  Agreement by seeking
other employment or otherwise and no such payment shall be offset
or  reduced  by the  amount of any  compensation  or  benefits  provided  to the
Executive in any subsequent employment.

               12. Change in Control.

                   (a)  Trigger  Events.  The  Executive  shall be  entitled  to
collect the severance  benefits set forth in subsection  (b) hereof in the event
that either (i) the Executive  voluntarily  terminates employment either for any
reason other than Just Cause within the 30-day period beginning on the date of a
Change in Control, (ii) the Executive  voluntarily  terminates employment within
90 days of an event that both occurs during the Protected Period and constitutes
Good Reason,  or (iii) the Bank or its  successor(s) in interest  terminates the
Executive's employment without his written consent and for any reason other than
Just Cause during the Protected Period.

                   (b) Amount of Severance  Benefit.  If the  Executive  becomes
entitled to collect  severance  benefits  pursuant to Section 12(a) hereof,  the
Bank shall pay the Executive a severance benefit equal to the difference between
the Code  ss.280G  Maximum  and the sum of any  other  "parachute  payments"  as
defined under Code  ss.280G(b)(2)  that the Executive receives on account of the
Change in Control.  Said sum shall be paid,  at the  election of the  Executive,
either  (i) in one lump  sum  within  ten  days of the  later of the date of the
Change in Control and the  Executive's  last day of employment with the Bank, or
(ii)  periodic  payments  over a period  of up to  sixty  months  with  interest
accruing on unpaid  amounts at the same rate that would be applied to  determine
Present  Value.  In the event that the Executive and the Bank jointly agree that
the Executive has collected an amount  exceeding the Code ss.280G  Maximum,  the
parties  may agree in  writing  that such  excess  shall be treated as a loan ab
initio  which the  Executive  shall repay to the Bank,  on terms and  conditions
mutually  agreeable to the parties,  together  with  interest at the  applicable
federal rate provided for in Section 7872(f)(2)(B) of the Code.

                   (c)  Funding  of  Grantor   Trust  upon  Change  in  Control.
Notwithstanding  any other  provision of this  Agreement that may be contrary or
inconsistent  herewith,  not  later  than ten  business  days  after a Change in
Control,  the Bank  shall (i)  deposit  in a Trust an  amount  equal to the Code
ss.280G Maximum,  unless the Executive has previously provided a written release
of any claims  under this  Agreement,  and (ii) provide the trustee of the Trust
with a written  direction to hold said amount and any investment  return thereon
in a  segregated  account  for the benefit of the  Executive,  and to follow the
procedures  set forth in the next  paragraph  as to the payment of such  amounts
from the Trust. At any time or from time to time during the 27-consecutive month
period after a Change in Control,  the  Executive may provide the trustee of the
Trust with a written  notice  directing that the trustee pay to the Executive an
amount  designated  in the notice as being payable  pursuant to this  Agreement.
Within three business days after receiving said notice, the trustee of the Trust

                                       7
<PAGE>

shall pay the Executive the amount designated  therein in immediately  available
funds,  and shall  thereafter send the Bank a written notice  thereof.  Upon the
earlier of the Trust's  final  payment of all  amounts  due under the  following
paragraph or the date 27 months after the Change in Control,  the trustee of the
Trust  shall pay to the Bank the  entire  balance  remaining  in the  segregated
account  maintained  for the  benefit  of the  Executive.  The  Executive  shall
thereafter have no further interest in the Trust.

               13.  Indemnification.  The  Bank  agrees  that its  Bylaws  shall
continue to provide for  indemnification of directors,  officers,  employees and
agents  of the  Bank,  including  the  Executive,  during  the full term of this
Agreement, and to at all times provide adequate insurance for such purposes.

               14.  Reimbursement of Executive for Enforcement  Proceedings.  In
the event that any dispute  arises  between the Executive and the Bank as to the
terms or  interpretation of this Agreement,  whether  instituted by formal legal
proceedings  or  otherwise,  including  any action that the  Executive  takes to
defend against any action taken by the Bank,  the Executive  shall be reimbursed
for all costs and expenses,  including reasonable  attorneys' fees, arising from
such dispute, proceedings or actions, provided that the Executive obtains either
a written  settlement or a final judgement by a court of competent  jurisdiction
substantially in his favor. Such reimbursement  shall be paid within ten days of
the  Executive's  furnishing to the Bank written  evidence,  which may be in the
form,  among  other  things,  of a cancelled  check or receipt,  of any costs or
expenses incurred by the Executive.

               15.  Federal  Income Tax  Withholding.  The Bank may withhold all
federal  and state  income or other taxes from any  benefit  payable  under this
Agreement as shall be required  pursuant to any law or government  regulation or
ruling.

               16. Successors and Assigns.

                   (a) Bank. This Agreement shall not be assignable by the Bank,
provided that this  Agreement  shall inure to the benefit of and be binding upon
any corporate or other  successor of the Bank which shall  acquire,  directly or
indirectly,   by  merger,   consolidation,   purchase  or   otherwise,   all  or
substantially all of the assets or stock of the Bank, as the case may be.

                   (b) Executive.  Since the Bank is contracting  for the unique
and personal  skills of the  Executive,  the Executive  shall be precluded  from
assigning or delegating his rights or duties  hereunder  without first obtaining
the  written  consent  of the Bank;  provided,  however,  that  nothing  in this
paragraph  shall  preclude (i) the Executive  from  designating a beneficiary to
receive any benefit  payable  hereunder  upon his death,  or (ii) the executors,
administrators,  or other legal  representatives  of the Executive or his estate
from assigning any rights hereunder to the person or persons entitled thereunto.

                                       8
<PAGE>

                   (c)  Attachment.  Except as  required by law, no right of the
Executive  to  receive  payments  under  this  Agreement  shall  be  subject  to
anticipation,  commutation,  alienation, sale, assignment,  encumbrance, charge,
pledge, or hypothecation or to exclusion, attachment, levy or similar process or
assignment by operation of law, and any attempt,  voluntary or  involuntary,  to
effect any such action shall be null, void and of no effect.

               17.  Amendments.  No  amendments  or additions to this  Agreement
shall be binding unless made in writing and signed by all of the parties, except
as herein otherwise specifically provided.

               18.  Applicable  Law.  Except to the extent  preempted by Federal
law,  the laws of the State of  Kentucky  shall  govern  this  Agreement  in all
respects,  whether as to its validity,  construction,  capacity,  performance or
otherwise.

               19.  Severability.  The  provisions  of this  Agreement  shall be
deemed severable and the invalidity or  unenforceability  of any provision shall
not affect the validity or enforceability of the other provisions hereof.

               20.  Entire   Agreement.   This  Agreement,   together  with  any
understanding or  modifications  thereof as agreed to in writing by the parties,
shall  constitute  the entire  agreement  between the  parties  hereto and shall
supersede any prior agreement between the parties.

               IN WITNESS  WHEREOF,  the parties have executed this Agreement on
the day and year first hereinabove written.

                                             HOME FEDERAL BANK, FEDERAL
                                             SAVINGS BANK
Witnessed by:

                                            By:
--------------------------------------         --------------------------
Secretary                                      Its Chairman of the Board

                                            EXECUTIVE

Witnessed by:

--------------------------------------      -----------------------------
Secretary                                   David B. Cook

                                       9

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