Document:

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                                                                   Exhibit 10.ac
                        UNIZAN BANK, NATIONAL ASSOCIATION
                      AMENDED SALARY CONTINUATION AGREEMENT

         THIS AMENDED SALARY CONTINUATION AGREEMENT (this "Agreement") is
entered into as of this 1st day of August, 2002, by and between Unizan Bank,
National Association, a nationally chartered bank with its main office in
Canton, Ohio (the "Bank"), and Roger L. Mann, Chairman of the Bank (the
"Executive").

         WHEREAS, the Executive has contributed substantially to the success of
the Bank and its parent company, Unizan Financial Corp., and the Bank desires
that the Executive continue in its employ,

         WHEREAS, to encourage the Executive to remain an employee of the Bank,
the Bank is willing to provide salary continuation benefits to the Executive,
payable out of the Bank's general assets,

         WHEREAS, none of the conditions or events included in the definition of
the term "golden parachute payment" that is set forth in section 18(k)(4)(A)(ii)
of the Federal Deposit Insurance Act [12 U.S.C. 1828(k)(4)(A)(ii)] and in
Federal Deposit Insurance Corporation Rule 359.1(f)(1)(ii) [12 CFR
359.1(f)(1)(ii)] exists or, to the best knowledge of the Bank, is contemplated
insofar as the Bank is concerned,

         WHEREAS, on March 7, 2002 UNB Corp., an Ohio corporation and holding
company for United National Bank & Trust Co., and BancFirst Ohio Corp. completed
a merger transaction whereby BancFirst Ohio Corp. merged with and into UNB Corp.
under the terms of the September 5, 2001 Agreement of Merger and Plan of
Reorganization, with UNB Corp. being the surviving entity under the name Unizan
Financial Corp.,

         WHEREAS, in connection with the merger of BancFirst Ohio Corp. with and
into UNB Corp., UNB Corp.'s banking subsidiary, United National Bank & Trust
Co., and BancFirst Ohio Corp.'s banking subsidiary, The First National Bank of
Zanesville, entered into a plan of merger under which The First National Bank of
Zanesville also merged with and into United National Bank & Trust Co., with
United National Bank & Trust Co. being the surviving institution under the name
Unizan Bank, National Association,

         WHEREAS, the Bank's predecessor, United National Bank & Trust Co., and
the Executive entered into a Salary Continuation Agreement dated as of May 1,
2001, providing for specified retirement benefits for the Executive after
termination of his employment,

         WHEREAS, consistent with the terms of the May 1, 2001 Salary
Continuation Agreement, as successor to United National Bank & Trust Co. the
Bank assumed United National Bank & Trust Co.'s obligations under the May 1,
2001 Salary Continuation Agreement,

         WHEREAS, regulations promulgated under ERISA (the Employees Retirement
Income Security Act) that became effective on January 1, 2002 govern the
regulation of claims procedures contained in the Executive's form of Salary
Continuation Agreement,

         WHEREAS, Clark/Bardes Consulting, a benefits consulting firm involved
in the design and administration of the Executive's Salary Continuation
Agreement, is recommending to its clients that the definition of disability
should not create unwanted burdens under the revised ERISA regulations effective
January 1, 2002,

         WHEREAS, the revised disability definition in this Agreement, as well
as the revised claims and review procedure in Article 6 in this document, were
drafted by ERISA counsel retained by Clark/Bardes Consulting,

         WHEREAS, the Bank and the Executive have negotiated and agreed to
certain changes in the terms and conditions of the May 1, 2001 Salary
Continuation Agreement entered into by the Bank's predecessor and the Executive,

         WHEREAS, the changes the Bank and the Executive have agreed to are (1)
eliminating the Executive's right to claim a lump-sum change-in-control benefit
under Section 2.4 for voluntary termination of employment without good reason,
but preserving the Executive's entitlement to benefits under Section 2.4 if the
Executive's employment

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is terminated within three years after the merger transaction with BancFirst
Ohio Corp., whether involuntarily without cause or voluntarily for good reason,
and (2) miscellaneous other changes, including revision of the definition of
"disability" in Section 1.3 of the May 1, 2001 Salary Continuation Agreement and
updating of the claims and review provisions of Article 6, and

         WHEREAS, the Bank and the Executive intend that this Agreement shall
become effective immediately.

         NOW THEREFORE, in consideration of the foregoing premises and other
good and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the parties hereto agree as follows:

                                    ARTICLE 1
                                   DEFINITIONS

         Whenever used in this Agreement, the following terms shall have the
meanings specified--

         1.1 "Accrual Balance" means the amount reflected in Schedule A, which
is the amount required to be accrued by the Bank according to generally accepted
accounting principles to account for benefits that may become payable to the
Executive under this Agreement.

         1.2      "Change in Control" means any one of the following events
                  occurs--

         (a)               Merger:  Unizan Financial Corp. merges into or
                  consolidates with another corporation, or merges another
                  corporation into Unizan Financial Corp., and as a result less
                  than a majority of the combined voting power of the resulting
                  corporation immediately after the merger or consolidation is
                  held by persons who were the holders of Unizan Financial
                  Corp.'s voting securities immediately before the merger or
                  consolidation, or

         (b)               Acquisition of Significant Share Ownership: a report
                  on Schedule 13D or another form or schedule (other than
                  Schedule 13G) is filed or is required to be filed under
                  Sections 13(d) or 14(d) of the Securities Exchange Act of
                  1934, if the schedule discloses that the filing person or
                  persons acting in concert has or have become the beneficial
                  owner of 15% or more of a class of Unizan Financial Corp.'s
                  voting securities (but this clause (b) shall not apply to
                  beneficial ownership of voting shares of Unizan Financial
                  Corp. held by the Bank or another subsidiary of Unizan
                  Financial Corp. in a fiduciary capacity), or

         (c)               Change in Board Composition: during any period of two
                  consecutive years, individuals who constitute the board of
                  directors of Unizan Financial Corp. at the beginning of the
                  two-year period cease for any reason to constitute at least a
                  majority thereof; provided, however, that -- for purposes of
                  this clause (c) -- each director who is first elected by the
                  board (or first nominated by the board for election by
                  stockholders) by a vote of at least two-thirds (2/3) of the
                  directors who were directors at the beginning of the period
                  shall be deemed to have been a director at the beginning of
                  the two-year period, or

         (d)               Sale of Assets:  Unizan Financial Corp. sells to a
                  third party substantially all of Unizan Financial Corp.'s
                  assets. For purposes of this Agreement, sale of substantially
                  all of Unizan Financial Corp.'s assets includes sale of the
                  Bank.

         1.3 "Disability" means the Executive suffers a sickness, accident or
injury which has been determined by the carrier of any individual or group
disability insurance policy covering the Executive, or by the Social Security
Administration, to be a disability rendering the Executive totally and
permanently disabled. The Executive must submit proof to the Bank of the
carrier's or Social Security Administration's determination upon the request of
the Bank.

         1.4 "Early Retirement Age" [Intentionally Left Blank]

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         1.5 "Early Termination" means Termination of Employment with the Bank
before Normal Retirement Age, but "Early Termination" excludes Termination of
Employment as a result of death, Disability, Termination for Cause or following
a Change in Control.

         1.6 "Early Termination Date" means the month, day and year in which
Early Termination occurs.

         1.7 "Effective Date" means May 1, 2001.

         1.8 "Good Reason" means the occurrence of any of the events or
conditions described in clauses (a) through (g) hereof without the Executive's
express written consent --

         (a)      Change in Office or Position or Termination as a Director:
                  failure to elect or reelect or otherwise to maintain the
                  Executive in the office or position, or a substantially
                  equivalent office or position, of or with Unizan Financial
                  Corp. and the Bank that the Executive held immediately before
                  the Change in Control, or the removal or failure to nominate
                  the Executive as a director of Unizan Financial Corp. (or any
                  successor thereto) if the Executive shall have been a director
                  of Unizan Financial Corp. immediately before the Change in
                  Control,

         (b)      Adverse Change in the Scope of His Duties or Compensation and
                  Benefits--

                  1)       a significant adverse change in the nature or scope
                           of the authorities, powers, functions,
                           responsibilities, or duties associated with the
                           Executive's position with Unizan Financial Corp. or
                           the Bank compared to the nature or scope of the
                           authorities, powers, functions, responsibilities, or
                           duties associated with the position immediately
                           before the Change in Control,

                  2)       a change in the Executive's reporting relationship
                           such that the Executive no longer reports directly to
                           Unizan Financial Corp.'s board of directors,

                  3)       a reduction in the aggregate of the Executive's
                           annual compensation received from Unizan Financial
                           Corp. and the Bank, or

                  4)       the termination or denial of the Executive's rights
                           to benefits under Unizan Financial Corp.'s or the
                           Bank's benefit, compensation, and incentive plans and
                           arrangements or a reduction in the scope or value
                           thereof, which situation is not remedied within 10
                           calendar days after written notice to Unizan
                           Financial Corp. from the Executive,

         (c)      Adverse Change in Circumstances: the Executive determines that
                  a change in circumstances has occurred after a Change in
                  Control, including without limitation a change in the scope of
                  the business or other activities for which the Executive is
                  responsible compared to his responsibilities immediately
                  before the Change in Control, (1) rendering the Executive
                  substantially unable to carry out, substantially hindering the
                  Executive's performance of, or causing the Executive to suffer
                  a substantial reduction in, any of the authorities, powers,
                  functions, responsibilities, or duties associated with the
                  office or position held by the Executive immediately before
                  the Change in Control, and (2) which situation is not remedied
                  within 10 calendar days after written notice to Unizan
                  Financial Corp. from the Executive of such determination.
                  Provided his determination is made in good faith, the
                  Executive's determination will be conclusive and binding upon
                  the parties hereto. The Executive's determination will be
                  presumed to have been made in good faith, unless Unizan
                  Financial Corp. establishes by clear and convincing evidence
                  that it was not made in good faith,

         (d)      Liquidation and Merger of Unizan Financial Corp. or the Bank:
                  the liquidation, dissolution, merger, consolidation, or
                  reorganization of Unizan Financial Corp. or the Bank or
                  transfer of all or

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                  substantially all of the business or assets of either Unizan
                  Financial Corp. or the Bank, unless the successor or
                  successors (by liquidation, merger, consolidation,
                  reorganization, transfer, or otherwise) to which all or
                  substantially all of the business or assets have been
                  transferred (directly or by operation of law) assumes all
                  duties and obligations of Unizan Financial Corp. and the Bank
                  under this Agreement,

         (e)      Relocation of the Executive: Unizan Financial Corp. or the
                  Bank relocates its principal executive offices, or requires
                  the Executive to have his principal location of work changed,
                  to any location that is more than 15 miles from the location
                  thereof immediately before the Change in Control, or requires
                  the Executive to travel away from his office in the course of
                  discharging his responsibilities or duties hereunder at least
                  20% more (in terms of aggregate days in any calendar year or
                  in any calendar quarter when annualized for purposes of
                  comparison to any prior year) than was required of Executive
                  in any of the three full years immediately before the Change
                  in Control,

         (f)      Change in Administrative Support: the adverse and substantial
                  alteration in the nature and quality of the office space
                  within which the Executive performs his duties, including the
                  size and location thereof, or a substantial reduction in the
                  secretarial and administrative support provided to the
                  Executive, or

         (g)      Breach of this Agreement: without limiting the generality or
                  effect of the foregoing, any material breach of this Agreement
                  by Unizan Financial Corp., the Bank, or any successor thereto.

         For purposes of Section 2.4 of this Agreement only, the term "Change in
Control" as used in this Section 1.8 includes the March 7, 2002 merger between
UNB Corp. and BancFirst Ohio Corp.

         1.9      "Normal Retirement Age" means the Executive's 64th birthday.

         1.10 "Normal Retirement Date" means the later of the Normal Retirement
Age or Termination of Employment with the Bank.

         1.11 "Person" means an individual, corporation, partnership, trust,
association, joint venture, pool, syndicate, sole proprietorship, unincorporated
organization or other entity.

         1.12 "Plan Year" means a twelve-month period commencing on May 1 and
ending on the last day of April of each year. The initial Plan Year shall
commence on the Effective Date of this Agreement.

         1.13 "Termination of Employment" means that the Executive shall have
ceased to be employed by the Bank for any reason whatsoever, excepting a leave
of absence approved by the Bank. For purposes of this Agreement, if there is a
dispute over the employment status of the Executive or the date of termination
of the Executive's employment, the Bank shall have the sole and absolute right
to decide the dispute, unless a Change in Control shall have occurred.

         1.14 "Termination for Cause" means the definition of termination for
cause specified in any effective severance or employment agreement existing on
the date hereof or hereafter entered into between the Executive and the Bank or
Unizan Financial Corp. If the Executive is not a party to an effective severance
or employment agreement containing a definition of termination for cause,
Termination for Cause means the Bank has terminated the Executive's employment
for any of the following reasons --

         (a)      gross negligence or gross neglect of duties,

         (b)      commission of a felony or commission of a misdemeanor
                  involving moral turpitude, or

         (c)      fraud, disloyalty or willful violation of any law or
                  significant Bank policy committed in connection with the
                  Executive's employment and resulting in an adverse effect on
                  the Bank. No act or failure

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                  to act on the Executive's part shall be considered "willful"
                  unless the Executive has acted without good faith, or without
                  good faith has failed to act, and the Executive's action or
                  inaction is without a reasonable belief that his action or
                  inaction is in the Bank's best interests.

                                    ARTICLE 2
                                    BENEFITS

         2.1 Normal Retirement Benefit. For Termination of Employment of the
Executive on or after the Normal Retirement Age for reasons other than death,
the Bank shall pay to the Executive the benefit described in this Section 2.1
instead of any other benefit under this Agreement.

         2.1.1    Amount of Benefit. The annual benefit under this Section 2.1
                  is $159,400. In its sole discretion, the Bank's board of
                  directors may increase the annual benefit under this Section
                  2.1.1, but any increase shall require recalculation of
                  Schedule A.

         2.1.2    Payment of Benefit. Beginning with the month after the
                  Executive's Normal Retirement Date, the Bank shall pay the
                  annual benefit to the Executive in 12 equal monthly
                  installments on the first day of each month. The annual
                  benefit shall be paid to the Executive for 15 years.

         2.2 Early Termination Benefit. For Early Termination the Bank shall pay
to the Executive the benefit described in this Section 2.2 instead of any other
benefit under this Agreement.

         2.2.1    Amount of Benefit. The benefit under this Section 2.2 is the
                  Early Termination Annual Benefit amount set forth in Schedule
                  A for the Plan Year ending immediately before the Early
                  Termination Date (except that during the first Plan Year the
                  benefit is the amount set forth for Plan Year 1). If the
                  Executive is entitled to an Early Termination Annual Benefit
                  amount as set forth in the attached Schedule A, interest will
                  be credited on the Accrual Balance at an annual rate of 7.5
                  percent, compounded monthly, during the period between
                  Termination of Employment and the Normal Retirement Date. In
                  its sole discretion, the Bank's board of directors may
                  increase the annual benefit under this Section 2.2.1, but any
                  increase shall require recalculation of Schedule A.

         2.2.2    Payment of Benefit. Beginning with the month after the Normal
                  Retirement Age, the Bank shall pay the annual benefit to the
                  Executive in 12 equal monthly installments on the first day of
                  each month. The annual benefit shall be paid to the Executive
                  for 15 years.

         2.3 Disability Benefit. For Termination of Employment of the Executive
because of Disability before the Normal Retirement Age, the Bank shall pay to
the Executive the benefit described in this Section 2.3 instead of any other
benefit under this Agreement.

         2.3.1    Amount of Benefit. The benefit under this Section 2.3 is the
                  Disability Annual Benefit amount set forth in Schedule A for
                  the Plan Year ending immediately before the date on which
                  Termination of Employment occurs (except during the first Plan
                  Year, the benefit is the amount set forth for Plan Year 1). In
                  its sole discretion, the Bank's board of directors may
                  increase the annual benefit under this Section 2.3.1, but any
                  increase shall require recalculation of Schedule A.

         2.3.2    Payment of Benefit. Beginning with the month after Normal
                  Retirement Age, the Bank shall pay the Disability Annual
                  Benefit amount to the Executive in 12 equal monthly
                  installments on the first day of each month. The annual
                  benefit shall be paid to the Executive for 15 years.

         2.4 Change-in-Control Benefit. The Bank shall pay to the Executive the
benefit described in this Section 2.4 instead of any other benefit under this
Agreement if, within three years after a Change in Control or at any time on or
before March 7, 2005, the Executive's Termination of Employment occurs
voluntarily for Good Reason or involuntarily. However, no benefits shall be
payable under this Agreement if Termination of Employment occurs under Article 5
of this Agreement.

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         2.4.1    Amount of Benefit: The benefit under this Section 2.4 is
                  determined by vesting the Executive in the Normal Retirement
                  Age Accrual Balance ($1,441,874) required by Section 2.1,
                  without reduction for the time value of money or other
                  discount. In its sole discretion, the Bank's board of
                  directors may increase the benefit under this Section 2.4.1,
                  but any increase shall require recalculation of Schedule A.

         2.4.2    Payment of Benefit: The Bank shall pay the Change-in-Control
                  benefit under Section 2.4 of this Agreement to the Executive
                  in one lump sum within three days after Termination of
                  Employment of the Executive.

         2.5 Petition for Payment of Vested Normal Retirement Benefit, Vested
Early Termination Benefit or Vested Disability Benefit. If the Executive is
entitled to the normal retirement benefit provided by Section 2.1, the Early
Termination benefit provided by Section 2.2, or the Disability benefit provided
by Section 2.3, the Executive may petition the board of directors to have the
Accrual Balance amount corresponding to that particular benefit paid to the
Executive in a single lump sum after (a) deduction of any normal retirement
benefits, Early Termination benefits or Disability benefits already paid, and
(b) addition of interest at the rate of 7.5% on the Accrual Balance not yet paid
for the period from Termination of Employment to payment of the lump sum amount.
The board of directors shall have sole and absolute discretion about whether to
pay the remaining Accrual Balance in a lump sum. If payment of the remaining
Accrual Balance is paid in a single lump sum, the Bank shall have no further
obligations under this Agreement.

         2.6 Change-in-Control Payout of Vested Normal Retirement Benefit,
Vested Early Termination Benefit or Vested Disability Benefit Being Paid to the
Executive at the Time of a Change in Control. If a Change in Control occurs at
any time during the entire 15-year salary continuation benefit payment period
and if at the time of that Change in Control the Executive is receiving the
benefit provided by Section 2.1.2, Section 2.2.2, or Section 2.3.2, the Bank
shall pay the remaining salary continuation benefits to the Executive, his
beneficiaries, or estate in a lump sum within three days after the Change in
Control. The lump-sum payment due to the Executive, his beneficiaries, or estate
as a result of a Change in Control shall be an amount equal to the Accrual
Balance amount corresponding to that particular benefit then being paid to the
Executive, his estate, or beneficiaries under Section 2.1.2, Section 2.2.2, or
Section 2.3.2 after (a) deduction of any normal retirement benefits, Early
Termination benefits, or Disability benefits already paid, and (b) addition of
interest at the rate of 7.5% on the Accrual Balance not yet paid for the period
from Termination of Employment to payment of the lump sum amount.

         2.7 Contradiction in Terms of Agreement and Schedule A. If there is a
contradiction in the terms of this Agreement and the Schedule A attached hereto
concerning the benefits due under Section 2.2, 2.3, or 2.4 hereof, then the
actual amount of benefits prescribed by this Agreement shall control.

                                    ARTICLE 3
                                 DEATH BENEFITS

         3.1 Death During Active Service. Except as provided in Section 5.2, if
the Executive dies in active service to the Bank before Normal Retirement Age,
instead of any benefit payable under this Agreement the Bank shall pay to the
Executive's beneficiary(ies) the benefit described in the Split Dollar Agreement
and Endorsement attached to this Agreement as Addendum A.

         3.2 Death During Benefit Period. If the Executive dies after benefit
payments under Article 2 of this Agreement have commenced but before receiving
all such payments, the Bank shall pay the remaining benefits to the Executive's
beneficiary at the same time and in the same amounts they would have been paid
to the Executive had the Executive survived. In that case, no death benefit
shall be payable under this Article 3.

         3.3 Death After Termination of Employment But Before Benefit Payments
Commence. If the Executive is entitled to benefit payments under Article 2 but
dies before payments commence, the benefits shall be payable to the Executive's
beneficiary(ies), but payments shall commence on the first day of the month
after the date

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of the Executive's death. Payments shall be made in the same amounts they would
have been paid to the Executive had the Executive survived.

         3.4 Petition for Benefit Payments. If the Executive dies before
receiving any or all benefit payments to which he is entitled under Section 2.1,
Section 2.2, or Section 2.3, respectively, the Executive's beneficiary(ies) or
estate may petition the board of directors to have the Accrual Balance
corresponding to that particular benefit paid to the Executive's
beneficiary(ies) or estate in a single lump sum after (a) deduction of any
normal retirement benefits, Early Termination benefits, or Disability benefits
already paid, and (b) addition of interest at the rate of 7.5% on the Accrual
Balance not yet paid for the period from the Executive's Termination of
Employment to payment of the lump sum amount. The board of directors shall have
sole and absolute discretion about whether to pay the remaining Accrual Balance
in a lump sum. If payment of the remaining Accrual Balance is paid in a single
lump sum, the Bank shall have no further obligations under this Agreement.

         3.5 Change-in-Control Payout of Vested Normal Retirement Benefit,
Vested Early Termination Benefit or Vested Disability Benefit Being Paid to the
Executive's Estate or Beneficiaries at the Time of a Change in Control. If a
Change in Control occurs at any time during the entire 15-year salary
continuation benefit payment period and if at the time of that Change in Control
the Executive's estate or beneficiaries are receiving the benefit provided by
Section 2.1.2, Section 2.2.2, or Section 2.3.2, the Bank shall pay the remaining
salary continuation benefits to the Executive's beneficiaries or estate in a
lump sum within three days after the Change in Control. The lump-sum payment due
to the Executive's beneficiaries or estate as a result of a Change in Control
shall be an amount equal to the Accrual Balance amount corresponding to that
particular benefit then being paid to the Executive's estate or beneficiaries
under Section 2.1.2, Section 2.2.2, or Section 2.3.2 after (a) deduction of any
normal retirement benefits, Early Termination benefits, or Disability benefits
already paid, and (b) addition of interest at the rate of 7.5% on the Accrual
Balance not yet paid for the period from Termination of Employment to payment of
the lump sum amount.

                                    ARTICLE 4
                                  BENEFICIARIES

         4.1 Beneficiary Designations. The Executive shall designate a
beneficiary or beneficiaries by filing a written designation with the Bank. The
Executive may revoke or modify the designation at any time by filing a new
designation. However, designations will be effective only if signed by the
Executive and accepted by the Bank during the Executive's lifetime. The
Executive's beneficiary designation shall be deemed automatically revoked if the
beneficiary predeceases the Executive, or if the Executive names a spouse as
beneficiary and the marriage is subsequently dissolved. If the Executive dies
without a valid beneficiary designation, all payments shall be made to the
Executive's estate.

         4.2 Facility of Payment. If a benefit is payable to a minor, to a
person declared incapacitated, or to a person incapable of handling the
disposition of his or her property, the Bank may pay such benefit to the
guardian, legal representative or person having the care or custody of such
minor, incapacitated person or incapable person. The Bank may require such proof
of incapacity, minority or guardianship as the Bank deems appropriate before
distribution of the benefit. Distribution shall completely discharge the Bank
from all liability for such benefit.

                                    ARTICLE 5
                               GENERAL LIMITATIONS

         5.1 Termination for Cause. Notwithstanding any provision of this
Agreement to the contrary, the Bank shall not pay any benefit under this
Agreement if Termination of Employment is a result of Termination for Cause.

         5.2 Suicide or Misstatement. The Bank shall not pay any benefit under
this Agreement if the Executive commits suicide within three years after the
Effective Date of this Agreement. In addition, the Bank shall not pay any
benefit under this Agreement if the Executive has made any material misstatement
of fact on an

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employment application or resume provided to the Bank, or on any application for
any benefits provided by the Bank to the Executive.

         5.3 Removal. If the Executive is removed from office or permanently
prohibited from participating in the conduct of the Bank's affairs by an order
issued under section 8(e)(4) or section 8(g)(1) of the Federal Deposit Insurance
Act, 12 U.S.C. 1818(e)(4) or (g)(1), all obligations of the Bank under this
Agreement shall terminate as of the effective date of the order.

         5.4 Insolvency. If the Office of the Comptroller of the Currency
appoints the Federal Deposit Insurance Corporation as receiver for the Bank
under 12 U.S.C. 191, all obligations under this Agreement shall terminate as of
the date of the Bank's declared insolvency, but vested rights of the contracting
parties shall not be affected.

         5.5 FDIC Open-Bank Assistance. Unless the Federal Deposit Insurance
Corporation determines that continuation of this Agreement is necessary for the
Bank's continued operation, all obligations under this Agreement shall terminate
when the Federal Deposit Insurance Corporation enters into an agreement to
provide assistance to or on behalf of the Bank under the authority contained in
section 13(c) of the Federal Deposit Insurance Act. 12 U.S.C. 1823(c). Any
rights of the parties that have already vested, however, shall not be adversely
affected by such action.

                                    ARTICLE 6
                          CLAIMS AND REVIEW PROCEDURES

         6.1 Claims Procedure. A person or beneficiary ("claimant") who has not
received benefits under the Agreement that he or she believes should be paid
shall make a claim for such benefits as follows:

         6.1.1    Initiation - Written Claim. The claimant initiates a claim by
                  submitting to the Bank a written claim for the benefits.

         6.1.2    Timing of Bank Response. The Bank shall respond to such
                  claimant within 90 days after receiving the claim. If the Bank
                  determines that special circumstances require additional time
                  for processing the claim, the Bank can extend the response
                  period by an additional 90 days by notifying the claimant in
                  writing, prior to the end of the initial 90-day period, that
                  an additional period is required. The notice of extension must
                  set forth the special circumstances and the date by which the
                  Bank expects to render its decision.

         6.1.3    Notice of Decision. If the Bank denies part or all of the
                  claim, the Bank shall notify the claimant in writing of such
                  denial. The Bank shall write the notification in a manner
                  calculated to be understood by the claimant. The notification
                  shall set forth:

                  6.1.3.1           The specific reasons for the denial,

                  6.1.3.2           A reference to the specific provisions of
                                    the Agreement on which the denial is based,

                  6.1.3.3           A description of any additional information
                                    or material necessary for the claimant to
                                    perfect the claim and an explanation of why
                                    it is needed,

                  6.1.3.4           An explanation of the Agreement's review
                                    procedures and the time limits applicable to
                                    such procedures, and

                  6.1.3.5           A statement of the claimant's right to bring
                                    a civil action under ERISA (Employees
                                    Retirement Income Security Act) Section
                                    502(a) following an adverse benefit
                                    determination on review.

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         6.2 Review Procedure. If the Bank denies part or all of the claim, the
claimant shall have the opportunity for a full and fair review by the Bank of
the denial, as follows:

         6.2.1    Initiation - Written Request. To initiate the review, the
                  claimant, within 60 days after receiving the Bank's notice of
                  denial, must file with the Bank a written request for review.

         6.2.2    Additional Submissions - Information Access. The claimant
                  shall then have the opportunity to submit written comments,
                  documents, records and other information relating to the
                  claim. The Bank shall also provide the claimant, upon request
                  and free of charge, reasonable access to, and copies of, all
                  documents, records and other information relevant (as defined
                  in applicable ERISA regulations) to the claimant's claim for
                  benefits.

         6.2.3    Considerations on Review. In considering the review, the Bank
                  shall take into account all materials and information the
                  claimant submits relating to the claim, without regard to
                  whether such information was submitted or considered in the
                  initial benefit determination.

         6.2.4    Timing of Bank Response. The Bank shall respond in writing to
                  such claimant within 60 days after receiving the request for
                  review. If the Bank determines that special circumstances
                  require additional time for processing the claim, the Bank can
                  extend the response period by an additional 60 days by
                  notifying the claimant in writing, prior to the end of the
                  initial 60-day period, that an additional period is required.
                  The notice of extension must set forth the special
                  circumstances and the date by which the Bank expects to render
                  its decision.

         6.2.5    Notice of Decision. The Bank shall notify the claimant in
                  writing of its decision on review. The Bank shall write the
                  notification in a manner calculated to be understood by the
                  claimant. The notification shall set forth:

                  6.2.5.1           The specific reason for the denial,

                  6.2.5.2           A reference to the specific provisions of
                                    the Agreement on which the denial is based,

                  6.2.5.3           A statement that the claimant is entitled to
                                    receive, upon request and free of charge,
                                    reasonable access to, and copies of, all
                                    documents, records and other information
                                    relevant (as defined in applicable ERISA
                                    regulations) to the claimant's claim for
                                    benefits, and

                  6.2.5.4           A statement of the claimant's right to bring
                                    a civil action under ERISA Section 502(a).

                                    ARTICLE 7
                                  MISCELLANEOUS

         7.1 Amendments and Termination. This Agreement may be amended or
terminated only by a written agreement signed by the Bank and the Executive.

         7.2 Binding Effect. This Agreement shall bind the Executive and the
Bank, and their beneficiaries, survivors, executors, successors, administrators
and transferees.

         7.3 No Guarantee of Employment. This Agreement is not an employment
policy or contract. It does not give the Executive the right to remain an
employee of the Bank, nor does it interfere with the Bank's right to discharge
the Executive. It also does not require the Executive to remain an employee nor
interfere with the Executive's right to terminate employment at any time.

         7.4 Non-Transferability. Benefits under this Agreement cannot be sold,
transferred, assigned, pledged, attached, or encumbered in any manner.

                                        9

<PAGE>

         7.5 Successors; Binding Agreement. By an assumption agreement in form
and substance satisfactory to the Executive, the Bank will require any successor
(whether direct or indirect, by purchase, merger, consolidation or otherwise) to
all or substantially all of the business or assets of the Bank to expressly
assume and agree to perform this Agreement in the same manner and to the same
extent the Bank would be required to perform this Agreement if no such
succession had occurred. The Bank's failure to obtain such an assumption
agreement before the succession becomes effective shall be considered a breach
of this Agreement and shall entitle the Executive to the Change-in- Control
Benefit provided in Section 2.4.

         7.6 Tax Withholding. The Bank shall withhold any taxes that are
required to be withheld from the benefits provided under this Agreement.

         7.7 Applicable Law. The Agreement and all rights hereunder shall be
governed by the laws of the State of Ohio, except to the extent preempted by the
laws of the United States of America.

         7.8 Unfunded Arrangement. The Executive and his beneficiary(ies) are
general unsecured creditors of the Bank for the payment of benefits under this
Agreement. The benefits represent the mere promise by the Bank to pay such
benefits. The rights to benefits are not subject in any manner to anticipation,
alienation, sale, transfer, assignment, pledge, encumbrance, attachment, or
garnishment by creditors. Any insurance on the Executive's life is a general
asset of the Bank to which the Executive and beneficiary have no preferred or
secured claim.

         7.9 Entire Agreement. This Agreement constitutes the entire agreement
between the Bank and the Executive as to the subject matter hereof. No rights
are granted to the Executive by virtue of this Agreement other than those
specifically set forth herein.

         7.10 Administration. The Bank shall have the powers that are necessary
to administer this Agreement, including but not limited to the power to--

         (a)      interpret the provisions of the Agreement,

         (b)      establish and revise the method of accounting for the
                  Agreement,

         (c)      maintain a record of benefit payments, and

         (d)      establish rules and prescribe forms necessary or desirable to
                  administer the Agreement.

         7.11 Named Fiduciary. The Bank shall be the named fiduciary and plan
administrator under this Agreement. The named fiduciary may delegate to others
certain aspects of the management and operation responsibilities of the plan,
including the employment of advisors and the delegation of ministerial duties to
qualified individuals.

         7.12 Severability. If for any reason any provision of this Agreement is
held invalid, such invalidity shall not affect any other provision of this
Agreement not held so invalid, and each such other provision shall, to the full
extent consistent with the law, continue in full force and effect. If any
provision of this Agreement shall be held invalid in part, such invalidity shall
in no way affect the remainder of such provision, not held so invalid, and the
remainder of such provision, together with all other provisions of this
Agreement shall, to the full extent consistent with the law, continue in full
force and effect.

         7.13 Headings. The headings of Sections herein are included solely for
convenience of reference and shall not affect the meaning or interpretation of
any provision of this Agreement.

         7.14 Notices. All notices, requests, demands and other communications
hereunder shall be in writing and shall be deemed to have been duly given if
delivered by hand or mailed, certified or registered mail, return receipt
requested, with postage prepaid, to the following addresses or to such other
address as either party may designate by like notice.

                                       10

<PAGE>

                  (a)      If to the Bank, to:
                           Board of Directors
                           Unizan Bank, National Association
                           220 Market Avenue South
                           Canton, Ohio  44702

                  (b)      If to the Executive, to:
                           Roger L. Mann
                           5670 Foxchase Avenue, N.W.
                           Canton, Ohio 44718-3713

                  and to such other or additional person or persons as either
                  party shall have designated to the other party in writing by
                  like notice.

         7.15 Payment of Legal Fees. (a) The Executive May Enforce this
Agreement Through Legal Action. Provided that a Change in Control has occurred,
the Bank irrevocably authorizes the Executive to retain from time to time
counsel of the Executive's choice to advise and represent him in the
interpretation, enforcement or defense of the parties' rights and
responsibilities under this Agreement, if--

         (1)      the Executive concludes that the Bank has failed to comply
                  with any of its obligations under this Agreement following a
                  Change in Control, or

         (2)      if the Bank or any or any other person following a Change in
                  Control takes or threatens to take any action to declare this
                  Agreement void or unenforceable, or institutes any litigation
                  or other action or proceeding designed to deny, or to recover
                  from, the Executive the benefits provided or intended to be
                  provided to the Executive under this Agreement,

including without limitation the initiation or defense of any litigation or
other legal action, whether by or against the Bank or any director, officer,
stockholder or other person affiliated with the Bank, in any jurisdiction.

         (b) Fees and Expenses Will Be Paid by the Bank. The Bank desires that
the Executive not be required to incur legal fees and the related costs and
expenses associated with the interpretation, enforcement or defense of
Executive's rights under this Agreement by litigation or otherwise, because the
amounts thereof would substantially detract from the benefits intended to be
extended to the Executive under this Agreement. Therefore, even if the Executive
does not prevail in whole or in part in the litigation or other legal action
associated with the interpretation, enforcement or defense of Executive's rights
under this Agreement, the Bank hereby agrees to pay and be solely financially
responsible for any and all attorneys' and related fees, costs and expenses
incurred by the Executive in the litigation or other legal action, up to a
maximum of $500,000. The fees and expenses of counsel selected by the Executive
shall be paid or reimbursed to the Executive by the Bank on a regular, periodic
basis, upon presentation by the Executive of a statement or statements prepared
by such counsel in accordance with counsel's customary practices. Anything
herein to the contrary notwithstanding, nothing in this Agreement authorizes the
Bank to pay or the Executive to demand payment of fees, costs and expenses if
and to the extent payment of fees, costs and expenses constitutes a "prohibited
indemnification payment" within the meaning of Federal Deposit Insurance
Corporation Rule 359.1(l)(1) [12 CFR 359.1(l)(1)].This Section 7.15 (b) shall
not be operative unless there has first been a Change in Control. The Bank's
obligation to pay the Executive's legal fees provided by this Section 7.15
operates separately from, and in addition to, any legal fee reimbursement
obligation the Bank or the Bank's parent Unizan Financial Corp. may have with
the Executive by virtue of any separate employment, severance, or other
agreement between the Executive and the Bank or Unizan Financial Corp.

         (c) Cost of Living Adjustment for Cap on Legal Fee Reimbursement. Upon
the occurrence of a Change in Control, the $500,000 cap on legal fee
reimbursement provided by Section 7.15(b) will be subject to a cost of living
adjustment equal to the value of the expression A x B, in which expression--

                                       11

<PAGE>

                  A = $500,000; and

                  B = Cost of living adjustment or inflation factor. This is
                  computed by dividing the Consumer Price Index for All Urban
                  Consumers ("CPI-U") prepared by the U.S. Bureau of Labor
                  Statistics, or any successor thereto, for the CPI-U for
                  January of the year during which the Change in Control occurs
                  by the CPI-U for January 2000.

The cost of living adjustment provided in this Section 7.15(c) shall be
considered to be part of the Executive's payment of legal fees for purposes of
this Agreement.

          Illustration of Cost of Living Adjustment. To explain the cost of
living adjustment calculation for Payment of Legal Fees, we use the following
example.

         First, we determine the appropriate CPI-Us. The Agreement calls for the
use of the CPI-Us for January 2000 and the January of the year during which the
Change in Control occurs. Assume a Change in Control occurs in April 2009. For
illustrative purposes only, the CPI-U for January 2000 is 156.7, and the CPI-U
for January 2009 is 213.3.

         Second, we calculate the cost of living adjustment or inflation factor.
To do this, we divide the CPI-U for January 2009 (213.3) by the CPI-U for
January 2000 (156.7). Our result is 1.361 (i.e., a 36.1 percent increase).

         Finally, we calculate the raw cost of living adjustment. To do this, we
multiply the base Payment of Legal Fees amount by the inflation factor. In our
example, $500,000 multiplied by the inflation factor of 1.361 equals $680,500.

         (d) The Executive May Choose the Bank's or Unizan Financial Corp.'s
Counsel. Notwithstanding any existing or previous attorney-client relationship
between the Bank or Unizan Financial Corp. and any counsel chosen by the
Executive under Section 7.15(a), the Bank irrevocably consents to the
Executive's entering into an attorney-client relationship with that counsel, and
the Bank and the Executive agree that a confidential relationship shall exist
between the Executive and that counsel.

         7.16 Internal Revenue Code Section 280G Gross Up. (a) Additional
Payment to Account for Excise Taxes. If as a result of a Change in Control the
Executive becomes entitled to acceleration of benefits under this Agreement or
under any other plan or agreement of or with the Bank or Unizan Financial Corp.,
including accelerated vesting of stock options granted under the "UNB Corp. 1997
Stock Option Plan" and "1987 Stock Option and Performance Unit Plan" and
acceleration of benefits under any other benefit, compensation, or incentive
plan or arrangement with Unizan Financial Corp. or the Bank (collectively, the
"Total Benefits"), and if any part of the Total Benefits is subject to the
Excise Tax under section 280G and section 4999 of the Internal Revenue Code (the
"Excise Tax"), Unizan Financial Corp. shall pay to the Executive the following
additional amounts, consisting of (1) a payment equal to the Excise Tax payable
by the Executive under section 4999 on the Total Benefits (the "Excise Tax
Payment") and (2) a payment equal to the amount necessary to provide the Excise
Tax Payment net of all income, payroll, and excise taxes. Together, the
additional amounts described in clauses (1) and (2) are referred to in this
Agreement as the "Gross-Up Payment." Payment of the Gross-Up Payment shall be
made in addition to the amount set forth in Section 2.4.

         (b) Calculating the Excise Tax. For purposes of determining whether any
of the Total Benefits will be subject to the Excise Tax and for purposes of
determining the amount of the Excise Tax,

         (1)      Determination of "Parachute Payments" Subject to the Excise
                  Tax: any other payments or benefits received or to be received
                  by the Executive in connection with a Change in Control or the
                  Executive's Termination of Employment (whether under the terms
                  of this Agreement or any other agreement, the 1997 Stock
                  Option Plan and 1987 Stock Option and Performance Unit Plan or
                  any other benefit plan or arrangement with Unizan Financial
                  Corp., the Bank, any person whose actions result in a Change
                  in Control or any

                                       12

<PAGE>

                  person affiliated with Unizan Financial Corp., the Bank, or
                  such person) shall be treated as "parachute payments" within
                  the meaning of section 280G(b)(2) of the Internal Revenue
                  Code, and all "excess parachute payments" within the meaning
                  of section 280G(b)(1) shall be treated as subject to the
                  Excise Tax, unless in the opinion of the certified public
                  accounting firm that is retained by Unizan Financial Corp. as
                  of the date immediately before the Change in Control (the
                  "Accounting Firm") such other payments or benefits do not
                  constitute (in whole or in part) parachute payments, or such
                  excess parachute payments represent (in whole or in part)
                  reasonable compensation for services actually rendered within
                  the meaning of section 280G(b)(4) of the Internal Revenue Code
                  in excess (as defined in section 280G(b)(3) of the Internal
                  Revenue Code), or are otherwise not subject to the Excise Tax,

         (2)      Calculation of Benefits Subject to Excise Tax: the amount of
                  the Total Benefits that shall be treated as subject to the
                  Excise Tax shall be equal to the lesser of (a) the total
                  amount of the Total Benefits reduced by the amount of such
                  Total Benefits that in the opinion of the Accounting Firm are
                  not parachute payments, or (b) the amount of excess parachute
                  payments within the meaning of section 280G(b)(1) (after
                  applying clause (1), above), and

         (3)      Value of Noncash Benefits and Deferred Payments: the value of
                  any noncash benefits or any deferred payment or benefit shall
                  be determined by the Accounting Firm in accordance with the
                  principles of sections 280G(d)(3) and (4) of the Internal
                  Revenue Code.

         (c) Assumed Marginal Income Tax Rate. For purposes of determining the
amount of the Gross-Up Payments, the Executive shall be deemed to pay federal
income taxes at the highest marginal rate of federal income taxation in the
calendar years in which the Gross-Up Payments are to be made and state and local
income taxes at the highest marginal rate of taxation in the state and locality
of the Executive's residence on the date of Termination of Employment, net of
the reduction in federal income taxes that can be obtained from deduction of
such state and local taxes (calculated by assuming that any reduction under
section 68 of the Internal Revenue Code in the amount of itemized deductions
allowable to the Executive applies first to reduce the amount of such state and
local income taxes that would otherwise be deductible by the Executive, and
applicable federal FICA and Medicare withholding taxes).

         (d) Return of Reduced Excise Tax Payment or Payment of Additional
Excise Tax. If the Excise Tax is later determined to be less than the amount
taken into account hereunder when the Executive's employment terminated, the
Executive shall repay to Unizan Financial Corp. -- when the amount of the
reduction in Excise Tax is finally determined -- the portion of the Gross-Up
Payments attributable to the reduction (plus that portion of the Gross-Up
Payments attributable to the Excise Tax, federal, state and local income taxes
and FICA and Medicare withholding taxes imposed on the Gross-Up Payments being
repaid by the Executive to the extent that the repayment results in a reduction
in Excise Tax, FICA and Medicare withholding taxes and/or a federal, state or
local income tax deduction).

         If the Excise Tax is later determined to be more than the amount taken
into account hereunder when the Executive's employment terminated (due, for
example, to a payment whose existence or amount cannot be determined at the time
of the Gross-Up Payments), Unizan Financial Corp. shall make an additional
Gross-Up Payment to the Executive for that excess (plus any interest, penalties
or additions payable by the Executive for the excess) when the amount of the
excess is finally determined.

         7.17 (a) Accounting Firm Gross-Up Determination. Subject to the
provisions of Section 7.16, all determinations required to be made under this
Section 7.17 -- including whether and when a Gross-Up Payment is required, the
amount of the Gross-Up Payment, and the assumptions to be used to arrive at the
determination (collectively, the "Determination") -- shall be made by the
Accounting Firm, which shall provide detailed supporting calculations both to
Unizan Financial Corp. and the Executive within 15 business days after receipt
of

                                       13

<PAGE>

notice from Unizan Financial Corp. or the Executive that there has been a
Gross-Up Payment, or such earlier time as is requested by Unizan Financial Corp.

         (b) Fees and Expenses of the Accounting Firm and Agreement with the
Accounting Firm. All fees and expenses of the Accounting Firm shall be borne
solely by Unizan Financial Corp. or the Bank. Unizan Financial Corp. and the
Bank shall enter into any agreement requested by the Accounting Firm in
connection with the performance of its services hereunder.

         (c) Accounting Firm's Opinion. If the Accounting Firm determines that
no Excise Tax is payable by the Executive, the Accounting Firm shall furnish the
Executive with a written opinion to that effect, and to the effect that failure
to report Excise Tax, if any, on the Executive's applicable federal income tax
return will not result in the imposition of a negligence or similar penalty.

         (d) Accounting Firm's Determination Is Binding. The Determination by
the Accounting Firm shall be binding on Unizan Financial Corp., the Bank and the
Executive.

         (e) Underpayment and Overpayment. Because of the uncertainty in
determining whether any of the Total Benefits will be subject to the Excise Tax
at the time of the Determination, it is possible that Gross-Up Payments that
should have been made will not have been made by Unizan Financial Corp.
("Underpayment"), or that Gross-Up Payments will be made that should not have
been made by Unizan Financial Corp. ("Overpayment").

         If, after a Determination by the Accounting Firm, the Executive is
required to make a payment of additional Excise Tax, the Accounting Firm shall
determine the amount of the Underpayment that has occurred. The Underpayment
(together with interest at the rate provided in section 1274(d)(2)(B) of the
Internal Revenue Code) shall be paid promptly by Unizan Financial Corp. to or
for the benefit of the Executive.

         If the amount of the Gross-Up Payment exceeds the amount necessary to
reimburse the Executive for his Excise Tax, the Accounting Firm shall determine
the amount of the Overpayment that has been made. The Overpayment (together with
interest at the rate provided in section 1274(d)(2)(B) of the Internal Revenue
Code) shall be paid promptly by the Executive to or for the benefit of Unizan
Financial Corp. Provided that his expenses are reimbursed by Unizan Financial
Corp. or the Bank, the Executive shall cooperate with any reasonable requests by
Unizan Financial Corp. in any contests or disputes with the Internal Revenue
Service relating to the Excise Tax.

         (f) Accounting Firm Conflict of Interest. If the Accounting Firm is
serving as accountant or auditor for the individual, entity, or group effecting
the Change in Control, the Executive may appoint another nationally recognized
public accounting firm to make the Determinations required hereunder (in which
case the term "Accounting Firm" as used in this Agreement shall be deemed to
refer to the accounting firm appointed by the Executive under this paragraph).

         7.18 Automatic Review Procedure. On the third year anniversary of the
Effective Date of this Agreement, and continuing on each subsequent third year
anniversary, the Bank will automatically review this Agreement for
reasonableness of benefits with the intent that the Executive's target benefit
shall be 75 percent of compensation less Bank-provided benefits. For purposes of
this Agreement, Bank-provided benefits shall include, but are not limited to,
the Bank 401(k) match, benefit accruals by the Bank under the United National
Bank & Trust Company Pension Plan and Trust through the plan's termination as of
April 14, 2002, and the Bank portion of Social Security benefits. The term
"compensation" as used in this Section 7.18 means the base annual salary of the
Executive projected at the Executive's Normal Retirement Age. Base annual salary
refers to compensation of the type that would be required to be reported by
Securities and Exchange Commission Rule 228.402(b) (17 CFR 228.402(b)),
specifically column (c) of that rule's Summary Compensation Table (or any
successor provision), excluding director fees but including elective deferred
compensation.

                                       14

<PAGE>

         IN WITNESS WHEREOF, the Executive and a duly authorized Bank officer
have signed this Agreement as of the day and year first written above.

THE EXECUTIVE:                     THE BANK:
                                   UNIZAN BANK, NATIONAL ASSOCIATION

                                   By:
---------------------------           -----------------------------------------
Roger L. Mann                      Its:

         Unizan Financial Corp., by its undersigned officer hereunto duly
authorized, hereby (1) agrees to and adopts such of the terms, conditions and
obligations of this Amended Salary Continuation Agreement between Unizan Bank,
National Association and Roger L. Mann as apply by their terms to Unizan
Financial Corp., specifically the obligations stated in Section 7.16 and Section
7.17 concerning Gross-Up Payments, and (2) notwithstanding any existing or
previous attorney-client relationship between Unizan Financial Corp. and any
counsel chosen by the Executive under Section 7.15(a), irrevocably consents to
the Executive's entering into an attorney-client relationship with that counsel,
and Unizan Financial Corp. agrees that a confidential relationship shall exist
between the Executive and that counsel.

                                              UNIZAN FINANCIAL CORP.

                                              By:
                                                -------------------------------
                                              Its:

                                       15

<PAGE>

                                   SCHEDULE A
                        UNIZAN BANK, NATIONAL ASSOCIATION
                      AMENDED SALARY CONTINUATION AGREEMENT

                                  ROGER L. MANN

<TABLE>
<CAPTION>
                                                                                     EARLY          DISABILITY
                                                                                  TERMINATION         ANNUAL
                                                                                ANNUAL BENEFIT       BENEFIT        CHANGE-IN-
            PLAN     AGE AT                      EARLY                            PAYABLE AT       PAYABLE AT        CONTROL
            YEAR      PLAN    ACCRUAL         TERMINATION         VESTED            NORMAL           NORMAL          BENEFIT
    PLAN   ENDING     YEAR   BALANCE @          VESTING          ACCRUAL          RETIREMENT       RETIREMENT      PAYABLE IN A
    YEAR    APRIL      END    7.5% (1)          SCHEDULE         BALANCE           AGE (2)             AGE           LUMP SUM
--------  --------- ---------------------    --------------    ------------    ----------------   -------------   --------------
<S>         <C>        <C>       <C>               <C>  <C>        <C>                  <C>             <C>           <C>
1           2002       60        $255,552          100% (3)        $255,552             $37,863         $37,863       $1,441,874
2           2003       61        $530,944              100%        $530,944             $72,999         $72,999       $1,441,874
3           2004       62        $827,715              100%        $827,715            $105,603        $105,603       $1,441,874
4           2005       63      $1,147,525              100%      $1,147,525            $135,859        $135,859       $1,441,874
5           2006       64   $1,441,874(4)              100%      $1,441,874            $159,400        $159,400       $1,441,874
6           2007       65      $1,383,092                        $1,383,092
7           2008       66      $1,324,438                        $1,324,438
8           2009       67      $1,261,232                        $1,261,232
9           2010       68      $1,193,118                        $1,193,118
10          2011       69      $1,119,716                        $1,119,716
11          2012       70      $1,040,617                        $1,040,617
12          2013       71        $955,376                          $955,376
13          2014       72        $863,518                          $863,518
14          2015       73        $764,529                          $764,529
15          2016       74        $657,855                          $657,855
16          2017       75        $542,899                          $542,899
17          2018       76        $419,020                          $419,020
18          2019       77        $285,523                          $285,523
19          2020       78        $141,662                          $141,662
20          2021       79              $0                                $0
</TABLE>

(1)  The Accrual balance reflects payment at the beginning of each month
     during retirement.

(2)  Benefit is based on present value of the current payment stream of the
     vested accrual balance using a standard discount rate (7.50%).

(3)  Participant is 100 percent vested upon effective date of the Salary
     Continuation Agreement.

(4)  Reflects 11 months data prior to projected retirement in March 2006.

                                       16

<PAGE>

                                   ADDENDUM A
                        UNIZAN BANK, NATIONAL ASSOCIATION
                         AMENDED SPLIT DOLLAR AGREEMENT

         THIS AMENDED SPLIT DOLLAR AGREEMENT is entered into as of this 1st day
of August, 2002, by and between Unizan Bank, National Association, a nationally
chartered, FDIC-insured bank with its main office in Canton, Ohio (the "Bank")
and Roger L. Mann, its Chairman of the Board (the "Executive"). This Amended
Split Dollar Agreement shall append the Split Dollar Endorsement entered into on
even date herewith, or as subsequently amended, by and between the
aforementioned parties.

         WHEREAS, to encourage the Executive to remain an employee of the Bank,
the Bank is willing to divide the death proceeds of a life insurance policy on
the Executive's life to be effective until the Executive's Normal Retirement Age
of 64. The Bank will pay life insurance premiums from its general assets,

         WHEREAS, effective as of May 1, 2001 the Bank's predecessor, United
National Bank & Trust Co., and the Executive entered into a Salary Continuation
Agreement providing for specified retirement benefits for the Executive after
termination of his employment, and a Split Dollar Agreement attached thereto as
Addendum A, providing for division of the death proceeds of a life insurance
policy on the Executive's life to be effective until the Executive's Normal
Retirement Age of 64,

         WHEREAS, on March 7, 2002 UNB Corp., an Ohio corporation and holding
company for United National Bank & Trust Co., and BancFirst Ohio Corp. completed
a merger transaction whereby BancFirst Ohio Corp. merged with and into UNB Corp.
under the terms of the September 5, 2001 Agreement of Merger and Plan of
Reorganization, with UNB Corp. being the surviving entity under the name Unizan
Financial Corp.,

         WHEREAS, in connection with the merger of BancFirst Ohio Corp. with and
into UNB Corp., UNB Corp.'s banking subsidiary, United National Bank & Trust
Co., and BancFirst Ohio Corp.'s banking subsidiary, The First National Bank of
Zanesville, entered into a plan of merger under which The First National Bank of
Zanesville also merged with and into United National Bank & Trust Co., with
United National Bank & Trust Co. being the surviving institution under the name
Unizan Bank, National Association,

         WHEREAS, consistent with the terms of the May 1, 2001 Salary
Continuation Agreement and the Split Dollar Agreement attached thereto as
Addendum A, as successor to United National Bank & Trust Co. the Bank assumed
United National Bank & Trust Co.'s obligations under the May 1, 2001 Salary
Continuation Agreement and the Split Dollar Agreement,

         WHEREAS, regulations promulgated under ERISA (the Employees Retirement
Income Security Act) that became effective on January 1, 2002 govern the
regulation of claims procedures contained in the Executive's form of Salary
Continuation Agreement and Split Dollar Agreement attached thereto as Addendum
A,

         WHEREAS, the Bank and the Executive have negotiated and agreed to
certain changes in the terms and conditions of the May 1, 2001 Salary
Continuation Agreement and the Split Dollar Agreement attached thereto as
Addendum A, including revision of the claims and review provisions of Article 6
and miscellaneous other changes,

         WHEREAS, the revised Claims and Review Procedure in Article 6 in this
document were drafted by ERISA counsel retained by Clark/Bardes Consulting,

         WHEREAS, the Bank and the Executive are entering into an Amended Salary
Continuation Agreement effective as of the date hereof, superseding and
replacing in its entirety the May 1, 2001 Salary Continuation Agreement, and the
Bank and the Executive intend that this Amended Split Dollar Agreement shall be
attached as Addendum A to the Amended Salary Continuation Agreement, superseding
and replacing in its entirety the Split Dollar Agreement attached as Addendum A
to the May 1, 2001 Salary Continuation Agreement, and

         WHEREAS, the Bank and the Executive intend that this Amended Split
Dollar Agreement shall become effective immediately.

<PAGE>

         NOW THEREFORE, in consideration of the foregoing premises and other
good and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the parties hereto agree as follows:

                                    ARTICLE 1
                               GENERAL DEFINITIONS

         Capitalized terms not otherwise defined in this Amended Split Dollar
Agreement are used herein as defined in the Amended Salary Continuation
Agreement of even date herewith. The following terms shall have the meanings
specified:

         "Insurer" means West Coast Life Insurance Company.

         "Policy" means insurance policy no. ZUA385988 issued by the Insurer.

         "Insured" means the Executive.

                                    ARTICLE 2
                           POLICY OWNERSHIP/INTERESTS

         2.1 Bank Ownership. The Bank is the sole owner of the Policy and shall
have the right to exercise all incidents of ownership. The Bank shall be the
beneficiary of any death proceeds remaining after the Executive's interest has
been paid under Section 2.2 of this Amended Split Dollar Agreement.

         2.2 Executive's Interest. The Executive shall have the right to
designate the beneficiary(ies) of death proceeds in the amount of $1,441,874.
The Executive shall also have the right to elect and change settlement options
specified in the Policy that may be permitted. However, the Executive, the
Executive's transferee, or the Executive's beneficiary(ies) shall have no rights
or interests in the Policy for that portion of the death proceeds designated in
this Section 2.2 if the Executive is not in the full-time employment of the Bank
at the time of death, except for reason of a leave of absence approved by the
Bank.

         2.3 Option to Purchase. The Bank shall not sell, surrender, or transfer
ownership of the Policy while this Amended Split Dollar Agreement is in effect
without first giving the Executive or the Executive's transferee a right of
first refusal to purchase the Policy for the Policy's interpolated terminal
reserve value. The right of first refusal to purchase the Policy must be
exercised within 60 days from the date the Bank gives written notice of the
Bank's intention to sell, surrender, or transfer ownership of the Policy. This
provision shall not impair the right of the Bank to terminate this Amended Split
Dollar Agreement.

         2.4 Comparable Coverage. Upon execution of this Amended Split Dollar
Agreement, the Bank shall maintain the Policy in full force and effect, and the
Bank shall not amend, terminate, or otherwise abrogate the Executive's interest
in the Policy unless the Bank (a) replaces the Policy with a comparable
insurance policy to cover the benefit provided under this Amended Split Dollar
Agreement and (b) executes a new Split Dollar Agreement and Endorsement for the
comparable insurance policy. The Policy or any comparable policy shall be
subject to the claims of the Bank's creditors.

                                    ARTICLE 3
                                    PREMIUMS

         3.1 Premium Payment. The Bank shall pay any premiums due on the Policy.

         3.2 Imputed Income. The Bank shall impute income to the Executive in an
amount equal to (a) the current term rate for the Executive's age, multiplied by
(b) the net death benefit payable to the Executive's beneficiary(ies). The
"current term rate" is the minimum amount required to be imputed under Revenue
Rulings 64- 328 and 66-110, or any subsequent applicable authority.

                                        2

<PAGE>

                                    ARTICLE 4
                                   ASSIGNMENT

         The Executive may assign without consideration all interests in the
Policy and in this Amended Split Dollar Agreement to any person, entity, or
trust. If the Executive transfers all of the Executive's interest in the Policy,
then all of the Executive's interest in the Policy and in the Amended Split
Dollar Agreement shall be vested in the Executive's transferee, who shall be
substituted as a party hereunder, and the Executive shall have no further
interest in the Policy or in this Amended Split Dollar Agreement.

                                    ARTICLE 5
                                     INSURER

         The Insurer shall be bound only by the terms of the Policy. Any
payments the Insurer makes or actions it takes in accordance with the Policy
shall fully discharge it from all claims, suits, and demands of all entities or
persons. The Insurer shall not be bound by or be deemed to have notice of the
provisions of this Amended Split Dollar Agreement.

                                    ARTICLE 6
                                CLAIMS PROCEDURE

         6.1 Claims Procedure. A person or beneficiary ("claimant") who has not
received benefits under this Amended Split Dollar Agreement that he or she
believes should be paid shall make a claim for such benefits as follows:

         6.1.1    Initiation - Written Claim. The claimant initiates a claim by
                  submitting to the Bank a written claim for the benefits.

         6.1.2    Timing of Bank Response. The Bank shall respond to such
                  claimant within 90 days after receiving the claim. If the Bank
                  determines that special circumstances require additional time
                  for processing the claim, the Bank can extend the response
                  period by an additional 90 days by notifying the claimant in
                  writing, prior to the end of the initial 90-day period, that
                  an additional period is required. The notice of extension must
                  set forth the special circumstances and the date by which the
                  Bank expects to render its decision.

         6.1.3    Notice of Decision. If the Bank denies part or all of the
                  claim, the Bank shall notify the claimant in writing of such
                  denial. The Bank shall write the notification in a manner
                  calculated to be understood by the claimant. The notification
                  shall set forth:

                  6.1.3.1  The specific reasons for the denial,

                  6.1.3.2  A reference to the specific provisions of this
                           Amended Split Dollar Agreement on which the denial is
                           based,

                  6.1.3.3  A description of any additional information or
                           material necessary for the claimant to perfect the
                           claim and an explanation of why it is needed,

                  6.1.3.4  An explanation of this Amended Split Dollar
                           Agreement's review procedures and the time limits
                           applicable to such procedures, and

                  6.1.3.5  A statement of the claimant's right to bring a civil
                           action under ERISA (Employees Retirement Income
                           Security Act) Section 502(a) following an adverse
                           benefit determination on review.

                                        3

<PAGE>

         6.2 Review Procedure. If the Bank denies part or all of the claim, the
claimant shall have the opportunity for a full and fair review by the Bank of
the denial, as follows:

         6.2.1    Initiation - Written Request. To initiate the review, the
                  claimant, within 60 days after receiving the Bank's notice of
                  denial, must file with the Bank a written request for review.

         6.2.2    Additional Submissions - Information Access. The claimant
                  shall then have the opportunity to submit written comments,
                  documents, records and other information relating to the
                  claim. The Bank shall also provide the claimant, upon request
                  and free of charge, reasonable access to, and copies of, all
                  documents, records and other information relevant (as defined
                  in applicable ERISA regulations) to the claimant's claim for
                  benefits.

         6.2.3    Considerations on Review. In considering the review, the Bank
                  shall take into account all materials and information the
                  claimant submits relating to the claim, without regard to
                  whether such information was submitted or considered in the
                  initial benefit determination.

         6.2.4    Timing of Bank Response. The Bank shall respond in writing to
                  such claimant within 60 days after receiving the request for
                  review. If the Bank determines that special circumstances
                  require additional time for processing the claim, the Bank can
                  extend the response period by an additional 60 days by
                  notifying the claimant in writing, prior to the end of the
                  initial 60-day period, that an additional period is required.
                  The notice of extension must set forth the special
                  circumstances and the date by which the Bank expects to render
                  its decision.

         6.2.5    Notice of Decision. The Bank shall notify the claimant in
                  writing of its decision on review. The Bank shall write the
                  notification in a manner calculated to be understood by the
                  claimant. The notification shall set forth:

                  6.2.5.1  The specific reason for the denial,

                  6.2.5.2  A reference to the specific provisions of this
                           Amended Split Dollar Agreement on which the denial is
                           based,

                  6.2.5.3  A statement that the claimant is entitled to receive,
                           upon request and free of charge, reasonable access
                           to, and copies of, all documents, records and other
                           information relevant (as defined in applicable ERISA
                           regulations) to the claimant's claim for benefits,
                           and

                  6.2.5.4  A statement of the claimant's right to bring a civil
                           action under ERISA Section 502(a).

                                    ARTICLE 7
                           AMENDMENTS AND TERMINATION

         This Amended Split Dollar Agreement may be amended or terminated only
by a writing signed by the Bank and the Executive. However, unless otherwise
agreed to by the Bank and the Executive, this Amended Split Dollar Agreement
will automatically terminate on the Executive's 64th birthday.

                                    ARTICLE 8
                                  MISCELLANEOUS

         8.1 Binding Effect. This Amended Split Dollar Agreement shall bind the
Executive and the Bank and their beneficiaries, survivors, executors,
administrators, and transferees, and any Policy beneficiary.

         8.2 No Guarantee of Employment. This Amended Split Dollar Agreement is
not an employment policy or contract. It does not give the Executive the right
to remain an employee of the Bank, nor does it interfere

                                        4

<PAGE>

with the Bank's right to discharge the Executive. It also does not require the
Executive to remain an employee nor interfere with the Executive's right to
terminate employment at any time.

         8.3 Successors; Binding Agreement. By an assumption agreement in form
and substance satisfactory to the Executive, the Bank 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 the Bank to
expressly assume and agree to perform this Amended Split Dollar Agreement in the
same manner and to the same extent that the Bank would be required to perform
this Amended Split Dollar Agreement if no succession had occurred. The Bank's
failure to obtain such an assumption agreement before succession becomes
effective shall be considered a breach of the Amended Split Dollar Agreement and
shall entitle the Executive to the Change-in-Control Benefits payable under
Section 2.4 of the Amended Salary Continuation Agreement between the Bank and
the Executive of even date herewith.

         8.4 Applicable Law. This Amended Split Dollar Agreement and all rights
hereunder shall be governed by and construed according to the laws of the State
of Ohio, except to the extent preempted by the laws of the United States of
America.

         8.5 Entire Agreement. This Amended Split Dollar Agreement constitutes
the entire agreement between the Bank and the Executive concerning the subject
matter hereof. No rights are granted to the Executive under this Amended Split
Dollar Agreement other than those specifically set forth herein.

         8.6 Administration. The Bank shall have powers which are necessary to
administer this Amended Split Dollar Agreement, including but not limited to the
power to--

         (a)      interpret the provisions of this Amended Split Dollar
                  Agreement,

         (b)      establish and revise the method of accounting for this Amended
                  Split Dollar Agreement,

         (c)      maintain a record of benefit payments, and

         (d)      establish rules and prescribe forms necessary or desirable to
                  administer this Amended Split Dollar Agreement.

         8.7 Named Fiduciary. The Bank shall be the named fiduciary and plan
administrator under this Amended Split Dollar Agreement. The Bank may delegate
to others certain aspects of management and operational responsibilities,
including the employment of advisors and the delegation of ministerial duties to
qualified individuals.

         8.8 Severability. If for any reason any provision of this Amended Split
Dollar Agreement is held invalid, such invalidity shall not affect any other
provision of this Amended Split Dollar Agreement not held so invalid, and each
such other provision shall, to the full extent consistent with the law, continue
in full force and effect. If any provision of this Amended Split Dollar
Agreement shall be held invalid in part, such invalidity shall in no way affect
the remainder of such provision, not held so invalid, and the remainder of such
provision, together with all other provisions of this Amended Split Dollar
Agreement shall, to the full extent consistent with the law, continue in full
force and effect.

         8.9 Headings. The headings of sections herein are included solely for
convenience of reference and shall not affect the meaning or interpretation of
any provision of this Amended Split Dollar Agreement.

         8.10 Notices. All notices, requests, demands and other communications
hereunder shall be in writing and shall be deemed to have been duly given if
delivered by hand or mailed, certified or registered mail, return receipt
requested, with postage prepaid, to the following addresses or to such other
address as either party may designate by like notice.

                                        5

<PAGE>

                           (a)      If to the Bank, to:
                                    Board of Directors
                                    Unizan Bank, National Association
                                    220 Market Avenue South
                                    Canton, Ohio  44702

                           (b)      If to the Executive, to:
                                    Roger L. Mann
                                    5670 Foxchase Avenue, N.W.
                                    Canton, Ohio  44718-3713

and to such other or additional person or persons as either party shall have
designated to the other party in writing by like notice.

         IN WITNESS WHEREOF, the Bank and the Executive have signed this Amended
Split Dollar Agreement as of the date and year first written above.

THE EXECUTIVE:                             THE BANK:
                                           UNIZAN BANK, NATIONAL ASSOCIATION

------------------------                   By:
Roger L. Mann                                  --------------------------------

                                           Its:
                                              --------------------------------

                                        6

<PAGE>

                         SPLIT DOLLAR POLICY ENDORSEMENT
                        UNIZAN BANK, NATIONAL ASSOCIATION
                         AMENDED SPLIT DOLLAR AGREEMENT

Policy No. ZUA385988                     Insured:         ROGER L. MANN
           ---------------                        -----------------------------

         Supplementing and amending the application for insurance to West Coast
Life Insurance Company ("Insurer") on May 29, 2001 (the application date), the
applicant requests and directs that:

                                  BENEFICIARIES

         1. Unizan Bank, National Association, located in Canton, Ohio (the
"Bank"), shall be the beneficiary of any death proceeds remaining after the
Insured's interest has been paid under paragraph (2) below.

         2. The Insured or the Insured's transferee shall designate the
beneficiary(ies) of death proceeds in the amount of $1,441,874, subject to the
provisions of paragraph (5) below.

                                    OWNERSHIP

         3. The Owner of the Policy shall be the Bank. The Owner shall have all
ownership rights in the Policy except as may be specifically granted to the
Insured or the Insured's transferee in paragraph (4) of this endorsement.

         4. The Insured or the Insured's transferee shall have the right to
assign his or her rights and interests in the Policy with respect to that
portion of the death proceeds designated in paragraph (2) of this endorsement,
and to exercise all settlement options with respect to such death proceeds.

         5. Notwithstanding the provisions of paragraph (4) above, the Insured,
the Insured's transferee, or the Insured's beneficiary(ies) shall have no rights
or interests in the Policy with respect to that portion of the death proceeds
designated in paragraph (2) of this endorsement if the Insured is not in the
full-time employment of the Bank at the time of death, except for reason of a
leave of absence approved by the Bank.

               MODIFICATION OF ASSIGNMENT PROVISIONS OF THE POLICY

         6. Upon the death of the Insured, the interest of any collateral
assignee of the Owner of the Policy designated in (3) above shall be limited to
the portion of the proceeds described in paragraph (1) above.

                                OWNER'S AUTHORITY

         7. The Insurer is hereby authorized to recognize the Owner's claim to
rights hereunder without investigating the reason for any action taken by the
Owner, including the Owner's statement of the amount of premiums the Owner has
paid on the Policy. The signature of the Owner shall be sufficient for the
exercise of any rights under this Endorsement and the receipt of the Owner for
any sums received by it shall be a full discharge and release therefor to the
Insurer. The Insurer may rely on a sworn statement in form satisfactory to it
furnished by the Owner, its successors or assigns, as to their interest and any
payments made pursuant to such statement shall discharge the Bank accordingly.

         8. Any transferee's rights shall be subject to this Endorsement.

         9. The Owner accepts and agrees to this split dollar endorsement.

                                        7

<PAGE>

         10. The undersigned is signing in a representative capacity and
warrants that he or she has the authority to bind the entity on whose behalf
this document is being executed.

         Signed at Canton, Ohio, this                 day of             , 2002.
                                      ---------------        ------------------

UNIZAN BANK, NATIONAL ASSOCIATION

By:
         --------------------------------------------

Its:
         --------------------------------------------

         The Insured accepts and agrees to the foregoing and, subject to the
rights of the Owner as stated above, designates ______________________,
(relationship:________________) as primary beneficiary(ies) and
_______________________________, (relationship:___________________) as secondary
beneficiary of the portion of the proceeds described in (2) above.

Signed at Canton, Ohio, this             day of                       , 2002.
                             -----------        ---------------------

THE INSURED

--------------------------------
Roger L. Mann

                                        8<PAGE>

                                                                   Exhibit 10.ad

                               SEVERANCE AGREEMENT

     This SEVERANCE AGREEMENT (this "Agreement") is entered into this 1st day of
August, 2002, by and between Unizan Financial Corp., an Ohio corporation (the
"Corporation"), and James J. Pennetti, Executive Vice President and Chief
Financial Officer (the "Executive") of each of the Corporation and Unizan Bank,
National Association, a national bank and wholly owned subsidiary of the
Corporation (the "Bank").

     WHEREAS, the Executive is a senior executive of the Corporation, is
employed by the Corporation and by the Bank, and has made and is expected to
continue to make major contributions to the profitability, growth and financial
strength of the Corporation and the Bank,

     WHEREAS, the Corporation recognizes that, as is the case for most
companies, the possibility of a Change in Control (as defined in Section 1(c))
exists,

     WHEREAS, the Corporation desires to assure itself of the current and future
continuity of management and desires to establish minimum severance benefits for
certain of its officers and other key employees, including the Executive, if a
Change in Control occurs,

     WHEREAS, the Corporation wishes to ensure that officers and other key
employees are not practically disabled from discharging their duties if a
proposed or actual transaction involving a Change in Control arises,

     WHEREAS, the Corporation desires to provide additional inducement for the
Executive to continue to remain in the ongoing employ of the Corporation and the
Bank,

     WHEREAS, the Corporation's predecessor, UNB Corp., and the Executive
entered into a severance agreement dated May 8, 2001, as amended February 8,
2002, providing for severance and termination benefits if the Executive is
terminated without cause or if the Executive terminates voluntarily for good
reason within three years after a change in control of UNB Corp., or if the
Executive terminates voluntarily with or without good reason during a 90-day
period beginning on the date that is six months after a change in control,

     WHEREAS, on March 7, 2002 the predecessor of the Corporation, UNB Corp.,
and BancFirst Ohio Corp. completed a merger transaction whereby BancFirst Ohio
Corp. merged with and into UNB Corp. under the terms of the September 5, 2001
Agreement of Merger and Plan of Reorganization,

     WHEREAS, the merger of BancFirst Ohio Corp. with and into UNB Corp.
constituted a change in control under the terms of the May 8, 2001 severance
agreement between the Executive and UNB Corp.,

     WHEREAS, as an inducement for BancFirst Ohio Corp. to enter into the
September 5, 2001 Agreement of Merger and Plan of Reorganization, the Executive
agreed to waive his right under section 1(b) of the May 8, 2001 severance
agreement to claim severance and termination benefits for voluntary termination
without good reason during the 90-day period beginning on the date that is six
months after the merger with BancFirst Ohio Corp., which waiver agreement on the
part of the Executive is set forth in the February 8, 2002 amendment of his May
8, 2001 severance agreement,

     WHEREAS, consistent with the terms of the May 8, 2001 severance agreement,
as successor to UNB Corp. the Corporation became a party to and assumed UNB
Corp.'s obligations under the May 8, 2001 severance agreement, as amended,

     WHEREAS, the Corporation and the Executive have negotiated and agreed to
certain changes in the terms and conditions for severance and termination
benefits payable under the May 8, 2001 severance agreement, as amended, entered
into by UNB Corp. and the Executive,

     WHEREAS, the changes the Corporation and the Executive have agreed to
include but are not limited to (1) elimination of the Executive's right to
severance and termination benefits if he terminates voluntarily and without good
reason during a specified period after a change in control, (2) changing the
provision of the severance

<PAGE>

agreement having to do with renewal and extension of its term so that the term
of the severance agreement shall be extended solely by affirmative action of the
board of directors, rather than extending for another year automatically unless
the board of directors determines that it shall not be extended, (3) preserving
the Executive's right to severance and termination benefits if he is
involuntarily terminated without cause or if he voluntarily terminates for good
reason within three years after the March 7, 2002 change in control represented
by the merger between UNB Corp. and BancFirst Ohio Corp., regardless of whether
another change in control occurs after the date of this Agreement, and (4)
revising the definition of "good reason," which governs the circumstances under
which the Executive may terminate employment voluntarily and be entitled to
severance and termination benefits,

     WHEREAS, the Corporation and the Executive intend that this Agreement shall
supersede and replace in its entirety the May 8, 2001 severance agreement, as
amended, and

     WHEREAS, none of the conditions or events included in the definition of the
term "golden parachute payment" that is set forth in section 18(k)(4)(A)(ii) of
the Federal Deposit Insurance Act [12 U.S.C. 1828(k)(4)(A)(ii)] and in Federal
Deposit Insurance Corporation Rule 359.1(f)(1)(ii) [12 CFR 359.1(f)(1)(ii)]
exists or, to the best knowledge of the Corporation and the Bank, is
contemplated insofar as either of the Corporation or the Bank is concerned.

     NOW THEREFORE, in consideration of these premises and other good and
valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the parties hereto agree as follows:

1.   CHANGE IN CONTROL / EMPLOYMENT TERMINATION

     (a) TERMINATION OF THE EXECUTIVE WITHIN THREE YEARS AFTER A CHANGE IN
CONTROL. If a Change in Control occurs during the term of this Agreement and if
either of the following occurs, the Executive shall be entitled to severance and
termination benefits specified in Section 2 and legal fee payment benefits
specified in Section 7 of this Agreement --

     (1)  Termination by the Corporation or the Bank: the Executive's employment
          with the Corporation or the Bank is involuntarily terminated within
          three years after a Change in Control, except for termination under
          Section 4 of this Agreement, or

     (2)  Termination by the Executive for Good Reason: the Executive terminates
          his employment with the Corporation or the Bank for Good Reason (as
          defined in Section 3) within three years after a Change in Control.

     If the Executive is removed from office or if his employment terminates
after discussions with a third party regarding a Change in Control commence, and
if those discussions ultimately conclude with a Change in Control, then for
purposes of this Agreement the removal of the Executive or termination of his
employment shall be deemed to have occurred after the Change in Control.

     (b) TERMINATION OF THE EXECUTIVE ON OR BEFORE MARCH 7, 2005. Regardless of
whether a Change in Control occurs during the term of this Agreement, if either
of the following events occurs on or before March 7, 2005 the Executive shall be
entitled to severance and termination benefits specified in Section 2 and legal
fee payment benefits specified in Section 7 of this Agreement --

     (1)  Termination by the Corporation or the Bank: the Executive's employment
          is involuntarily terminated, except for termination under Section 4 of
          this Agreement, or

     (2)  Termination by the Executive for Good Reason: the Executive terminates
          his employment with the Corporation or the Bank for Good Reason (as
          defined in Section 3). For purposes of this subsection 1(b)(2), the
          term "Change in Control" as used in Section 3 includes the March 7,
          2002 merger of BancFirst Ohio Corp. with and into UNB Corp.

                                       2
<PAGE>

          under the terms of the September 5, 2001 Agreement of Merger and Plan
          of Reorganization,

     (c) DEFINITION OF CHANGE IN CONTROL. For purposes of this Agreement,
"Change in Control" means any of the following events occur--

     (1)  Merger: the Corporation merges into or consolidates with another
          corporation, or merges another corporation into the Corporation, and
          as a result less than a majority of the combined voting power of the
          resulting corporation immediately after the merger or consolidation is
          held by persons who were the holders of the Corporation's voting
          securities immediately before the merger or consolidation. For
          purposes of this Agreement, the term person means an individual,
          corporation, partnership, trust, association, joint venture, pool,
          syndicate, sole proprietorship, unincorporated organization or other
          entity,

     (2)  Acquisition of Significant Share Ownership: a report on Schedule 13D
          or Schedule TO (or any successor schedule, form or report) is filed or
          is required to be filed under Sections 13(d) or 14(d) of the
          Securities Exchange Act of 1934, if the schedule discloses that the
          filing person or persons acting in concert has or have become the
          beneficial owner of 15% or more of a class of the Corporation's voting
          securities (but this clause (2) shall not apply to beneficial
          ownership of voting shares of the Corporation held by a Subsidiary
          (defined as an entity in which the Corporation directly or indirectly
          beneficially owns 50% or more of the outstanding voting securities) of
          the Corporation in a fiduciary capacity),

     (3)  Change in Board Composition: during any period of two consecutive
          years, individuals who constitute the Corporation's board of directors
          at the beginning of the two-year period cease for any reason to
          constitute at least a majority thereof; provided, however, that-- for
          purposes of this clause (3)-- each director who is first elected by
          the board (or first nominated by the board for election by
          shareholders) by a vote of at least two-thirds (2/3) of the directors
          who were directors at the beginning of the period shall be deemed to
          have been a director at the beginning of the two-year period, or

     (4)  Sale of Assets: the Corporation sells to a third party substantially
          all of the Corporation's assets. For purposes of this Agreement, sale
          of substantially all of the Corporation's assets includes sale of the
          Bank.

2.   SEVERANCE AND TERMINATION BENEFITS

     (a) SEVERANCE AND TERMINATION BENEFITS. The severance and termination
benefits to which the Executive is entitled under Section 1 are as follows--

     (1)  Lump Sum Payment: the Corporation shall make a lump sum payment to the
          Executive in an amount in cash equal to three times the Executive's
          annual compensation. For purposes of this Agreement, annual
          compensation means (a) the Executive's then current annual base salary
          at the date of Change in Control or the Executive's termination of
          employment (at whichever date the Executive's current annual base
          salary is greater), plus (b) the average of the bonuses or incentive
          compensation earned for the three calendar years immediately preceding
          the year in which the Change in Control occurs, regardless of when the
          bonus or incentive compensation earned for the preceding three
          calendar years is paid. As of the date this Agreement is entered into,
          the parties recognize that the bonus/incentive compensation earned by
          the Executive for a particular year's calendar service is paid by the
          Bank in the year following the calendar year in which such
          bonus/incentive compensation is earned. The amount payable to the
          Executive hereunder

                                       3
<PAGE>

          shall not be reduced to account for the time value of money or
          discounted to present value. The payment required under this Section
          2(a)(1) is payable no later than 5 business days after the date the
          Executive's employment terminates. If the Executive terminates
          employment for Good Reason, the date of termination shall be the date
          specified by the Executive in his notice of termination,

     (2)  Benefit Plans: the Corporation shall cause the Executive to become
          fully vested in any qualified and non-qualified plans, programs or
          arrangements in which the Executive participated, notwithstanding any
          provisions contained in the respective agreement of the plan, program
          or arrangement. The Corporation also shall contribute or cause the
          Bank to contribute to the Executive's 401(k) Plan account and his
          United National Bank & Trust Co. Employees Profit Sharing Plan account
          the matching and profit sharing contribution, if any, that would have
          been paid had the Executive's employment not terminated before the end
          of the plan year, and

     (3)  Insurance Coverage: the Corporation shall cause to be continued life,
          health and disability insurance coverage substantially identical to
          the coverage maintained for the Executive before his termination. The
          insurance coverage may cease when the Executive becomes employed by
          another employer or 36 months after the Executive's termination,
          whichever occurs first. At the end of the 36-month period, the
          Executive shall have the option to continue health insurance coverage
          at his own expense for a period not less than the number of months by
          which the Consolidated Omnibus Budget Reconciliation Act (COBRA)
          continuation period exceeds 36 months.

     (b) GROSS-UP FOR TAXES. Additional Payment to Account for Excise Taxes. If
the Executive becomes entitled to severance and termination benefits under this
Agreement, including accelerated vesting of stock options granted under the
Corporation's 1997 Stock Option Plan and 1987 Stock Option and Performance Unit
Plan and acceleration of benefits under any other benefit, compensation, or
incentive plan or arrangement with the Corporation or the Bank (collectively,
the "Total Benefits"), and if any part of the Total Benefits is subject to the
Excise Tax under section 280G and section 4999 of the Internal Revenue Code (the
"Excise Tax"), the Corporation shall pay to the Executive an amount (the
"Gross-Up Payment(s)") in addition to the amount set forth in Section 2(a) such
that -- after payment by the Executive of all taxes (including any Excise Tax,
income tax or payroll tax) imposed upon the Gross-Up Payment, together with any
interest or penalties imposed with respect to such taxes -- the Executive will
retain an amount of the Gross-Up Payment equal to the Excise Tax imposed upon
the Total Benefits.

     Calculating the Excise Tax. For purposes of determining whether any of the
Total Benefits will be subject to the Excise Tax and for purposes of determining
the amount of the Excise Tax,

     (1)  Determination of "Parachute Payments" Subject to the Excise Tax: any
          other payments or benefits received or to be received by the Executive
          in connection with a Change in Control or the Executive's termination
          of employment (whether under the terms of this Agreement or any other
          agreement, the 1997 Stock Option Plan and 1987 Stock Option and
          Performance Unit Plan or any other benefit plan or arrangement with
          the Corporation, the Bank, any person whose actions result in a Change
          in Control or any person affiliated with the Corporation or such
          person) shall be treated as "parachute payments" within the meaning of
          section 280G(b)(2) of the Internal Revenue Code, and all "excess
          parachute payments" within the meaning of section 280G(b)(1) shall be
          treated as subject to the Excise Tax, unless in the opinion of the
          certified public accounting firm that is retained by the Corporation
          as of the date immediately before the Change in Control (the
          "Accounting Firm") such other payments or benefits do not constitute
          (in whole or in part) parachute payments, or such excess parachute
          payments represent (in whole or in part) reasonable compensation for
          services actually rendered within the meaning of

                                       4
<PAGE>

          section 280G(b)(4) of the Internal Revenue Code in excess (as defined
          in section 280G(b)(3) of the Internal Revenue Code), or are otherwise
          not subject to the Excise Tax,

     (2)  Calculation of Benefits Subject to Excise Tax: the amount of the Total
          Benefits that shall be treated as subject to the Excise Tax shall be
          equal to the lesser of (a) the total amount of the Total Benefits
          reduced by the amount of such Total Benefits that in the opinion of
          the Accounting Firm are not parachute payments, or (b) the amount of
          excess parachute payments within the meaning of section 280G(b)(1)
          (after applying clause (1), above), and

     (3)  Value of Noncash Benefits and Deferred Payments: the value of any
          noncash benefits or any deferred payment or benefit shall be
          determined by the Accounting Firm in accordance with the principles of
          sections 280G(d)(3) and (4) of the Internal Revenue Code.

     Assumed Marginal Income Tax Rate. For purposes of determining the amount of
the Gross-Up Payments, the Executive shall be deemed to pay federal income taxes
at the highest marginal rate of federal income taxation in the calendar years in
which the Gross-Up Payments are to be made and state and local income taxes at
the highest marginal rate of taxation in the state and locality of the
Executive's residence on the date of termination of employment, net of the
reduction in federal income taxes that can be obtained from deduction of such
state and local taxes (calculated by assuming that any reduction under section
68 of the Internal Revenue Code in the amount of itemized deductions allowable
to the Executive applies first to reduce the amount of such state and local
income taxes that would otherwise be deductible by the Executive, and applicable
federal FICA and Medicare withholding taxes.)

     Return of Reduced Excise Tax Payment or Payment of Additional Excise Tax.
If the Excise Tax is later determined to be less than the amount taken into
account hereunder when the Executive's employment terminated, the Executive
shall repay to the Corporation -- when the amount of the reduction in Excise Tax
is finally determined -- the portion of the Gross-Up Payments attributable to
the reduction (plus that portion of the Gross-Up Payments attributable to the
Excise Tax, federal, state and local income taxes and FICA and Medicare
withholding taxes imposed on the Gross-Up Payments being repaid by the Executive
to the extent that the repayment results in a reduction in Excise Tax, FICA and
Medicare withholding taxes and/or a federal, state or local income tax
deduction).

     If the Excise Tax is later determined to be more than the amount taken into
account hereunder when the Executive's employment terminated (due, for example,
to a payment whose existence or amount cannot be determined at the time of the
Gross-Up Payments), the Corporation shall make an additional Gross-Up Payment to
the Executive for that excess (plus any interest, penalties or additions payable
by the Executive for the excess) when the amount of the excess is finally
determined.

     (c) RESPONSIBILITIES OF THE ACCOUNTING FIRM AND THE CORPORATION.
Determinations Shall Be Made by the Accounting Firm. Subject to the provisions
of Section 2(b), all determinations required to be made under this Section 2(c)
-- including whether and when a Gross-Up Payment is required, the amount of the
Gross-Up Payment and the assumptions to be used to arrive at the determination
(collectively, the "Determination") -- shall be made by the Accounting Firm,
which shall provide detailed supporting calculations both to the Corporation and
the Executive within 15 business days after receipt of notice from the
Corporation or the Executive that there has been a Gross-Up Payment, or such
earlier time as is requested by the Corporation.

     Fees and Expenses of the Accounting Firm and Agreement with the Accounting
Firm. All fees and expenses of the Accounting Firm shall be borne solely by the
Corporation. The Corporation shall enter into any agreement requested by the
Accounting Firm in connection with the performance of its services hereunder.

     Accounting Firm's Opinion. If the Accounting Firm determines that no Excise
Tax is payable by the Executive, the Accounting Firm shall furnish the Executive
with a written opinion to that effect, and to the effect that

                                       5
<PAGE>

failure to report Excise Tax, if any, on the Executive's applicable federal
income tax return will not result in the imposition of a negligence or similar
penalty.

     Accounting Firm's Determination Is Binding; Underpayment and Overpayment.
The Determination by the Accounting Firm shall be binding on the Corporation and
the Executive. Because of the uncertainty in determining whether any of the
Total Benefits will be subject to the Excise Tax at the time of the
Determination, it is possible that Gross-Up Payments that should have been made
will not have been made by the Corporation ("Underpayment"), or that Gross-Up
Payments will be made that should not have been made by the Corporation
("Overpayment"). If, after a Determination by the Accounting Firm, the Executive
is required to make a payment of additional Excise Tax, the Accounting Firm
shall determine the amount of the Underpayment that has occurred. The
Underpayment (together with interest at the rate provided in section
1274(d)(2)(B) of the Internal Revenue Code) shall be paid promptly by the
Corporation to or for the benefit of the Executive. If the amount of the
Gross-Up Payment exceeds the amount necessary to reimburse the Executive for his
Excise Tax, the Accounting Firm shall determine the amount of the Overpayment
that has been made. The Overpayment (together with interest at the rate provided
in section 1274(d)(2)(B) of the Internal Revenue Code) shall be paid promptly by
the Executive to or for the benefit of the Corporation. Provided that his
expenses are reimbursed by the Corporation, the Executive shall cooperate with
any reasonable requests by the Corporation in any contests or disputes with the
Internal Revenue Service relating to the Excise Tax.

     Accounting Firm Conflict of Interest. If the Accounting Firm is serving as
accountant or auditor for the individual, entity or group effecting the Change
in Control, the Executive may appoint another nationally recognized public
accounting firm to make the Determinations required hereunder (in which case the
term "Accounting Firm" as used in this Agreement shall be deemed to refer to the
accounting firm appointed by the Executive under this paragraph).

     (d) NO MITIGATION REQUIRED. The Corporation hereby acknowledges that it
will be difficult and could be impossible (1) for the Executive to find
reasonably comparable employment after his employment terminates, and (2) to
measure the amount of damages the Executive may suffer as a result of
termination. Additionally, the Corporation acknowledges that its general
severance pay plans do not provide for mitigation, offset, or reduction of any
severance payment received thereunder. Accordingly, the Corporation further
acknowledges that the payment of severance and termination benefits by the
Corporation under this Agreement is reasonable and will be liquidated damages,
and the Executive shall not be required to mitigate the amount of any payment
provided for in this Agreement by seeking other employment or otherwise, nor
will any profits, income, earnings, or other benefits from any source whatsoever
create any mitigation, offset, reduction, or any other obligation on the part of
the Executive hereunder or otherwise.

3. GOOD REASON

     (a) DEFINITION OF GOOD REASON. For purposes of this Agreement, "Good
Reason" means the occurrence of any of the events or conditions described in
clauses (1) through (7) hereof without the Executive's express written consent:

     (1)  Change in Office or Position or Termination as a Director: failure to
          elect or reelect or otherwise to maintain the Executive in the office
          or position, or a substantially equivalent office or position, of or
          with the Corporation and the Bank that the Executive held immediately
          before the Change in Control, or the removal or failure to nominate
          the Executive as a director of the Corporation (or any successor
          thereto) if the Executive shall have been a director of the
          Corporation immediately before the Change in Control,

     (2)  Adverse Change in the Scope of His Duties or Compensation and
          Benefits:

          (a)  a significant adverse change in the nature or scope of the
               authorities, powers, functions, responsibilities, or duties
               associated with the Executive's position with the Corporation or
               the Bank compared to the nature or scope of the

                                       6
<PAGE>

               authorities, powers, functions, responsibilities, or duties
               associated with the position immediately before the Change in
               Control,

          (b)  a reduction in the aggregate of the Executive's annual
               compensation received from the Corporation and the Bank, or

          (c)  the termination or denial of the Executive's rights to benefits
               under the Corporation's or the Bank's benefit, compensation, and
               incentive plans and arrangements or a reduction in the scope or
               value thereof, which situation is not remedied within 10 calendar
               days after written notice to the Corporation from the Executive,

     (3)  Adverse Change in Circumstances: the Executive determines that a
          change in circumstances has occurred after a Change in Control,
          including without limitation a change in the scope of the business or
          other activities for which the Executive is responsible compared to
          his responsibilities immediately before the Change in Control, (a)
          which renders the Executive substantially unable to carry out,
          substantially hinders the Executive's performance of, or causes the
          Executive to suffer a substantial reduction in, any of the
          authorities, powers, functions, responsibilities, or duties associated
          with the office or position held by the Executive immediately before
          the Change in Control, and (b) which situation is not remedied within
          10 calendar days after written notice to the Corporation from the
          Executive of such determination. Provided his determination is made in
          good faith, the Executive's determination will be conclusive and
          binding upon the parties hereto. The Executive's determination will be
          presumed to have been made in good faith, unless the Corporation
          establishes by clear and convincing evidence that it was not made in
          good faith,

     (4)  Liquidation and Merger of the Corporation or the Bank: the
          liquidation, dissolution, merger, consolidation or reorganization of
          the Corporation or the Bank or transfer of all or substantially all of
          the business or assets of either the Corporation or the Bank, unless
          the successor or successors (by liquidation, merger, consolidation,
          reorganization, transfer or otherwise) to which all or substantially
          all of the business or assets have been transferred (directly or by
          operation of law) assumes all duties and obligations of the
          Corporation under this Agreement,

     (5)  Relocation of the Executive: the Corporation or the Bank relocates its
          principal executive offices, or requires the Executive to have his
          principal location of work changed, to any location that is more than
          15 miles from the location thereof immediately before the Change in
          Control, or requires the Executive to travel away from his office in
          the course of discharging his responsibilities or duties hereunder at
          least 20% more (in terms of aggregate days in any calendar year or in
          any calendar quarter when annualized for purposes of comparison to any
          prior year) than was required of Executive in any of the three full
          years immediately before the Change in Control,

     (6)  Change in Administrative Support: the adverse and substantial
          alteration in the nature and quality of the office space within which
          the Executive performs his duties, including the size and location
          thereof, or a substantial reduction in the secretarial and
          administrative support provided to the Executive, or

     (7)  Breach of this Agreement: without limiting the generality or effect of
          the foregoing, any material breach of this Agreement by the
          Corporation or any successor thereto.

     (b) NO EFFECT ON EMPLOYEE BENEFITS. Termination by the Corporation under
Section 1(a)(1) or Section 1(b)(1) (termination within three years after a
Change in Control or termination on or before March 7, 2005) or

                                       7
<PAGE>

termination by the Executive under Section 1(a)(2) or Section 1(b)(2)
(termination for Good Reason) will not affect any rights the Executive may have
under any benefit, compensation, or incentive agreement, policy, plan, program,
or arrangement of the Corporation or the Bank, which rights shall be governed by
the terms thereof.

4.   TERMINATION FOR WHICH NO SEVERANCE OR TERMINATION BENEFITS ARE PAYABLE

     (a) NO SEVERANCE FOR TERMINATION FOR CAUSE. Anything in this Agreement to
the contrary notwithstanding, under no circumstance shall the Executive be
entitled to severance or termination benefits if his employment terminates for
Cause.

     (1)  Cause Means Commission of Any of the Following Acts: For purposes of
          this Agreement, "Cause" means the Executive shall have committed any
          of the following acts--

          (a)  Fraud, Embezzlement or Theft: an intentional act of fraud,
               embezzlement, or theft in connection with his duties or in the
               course of his employment with the Corporation or the Bank,

          (b)  Intentional Harm: intentional wrongful damage to property of the
               Corporation or the Bank, causing material harm to the Corporation
               or the Bank,

          (c)  Disclosure of Trade Secrets: intentional wrongful disclosure of
               secret processes or confidential information of the Corporation
               or the Bank, causing material harm to the Corporation or the
               Bank,

          (d)  Competing with the Corporation or the Bank: intentional wrongful
               engagement in any competitive activity. For purposes of this
               Agreement, competitive activity means the Executive's
               participation, without the written consent of an officer of the
               Corporation, in the management of any business enterprise if (1)
               the enterprise engages in substantial and direct competition with
               the Corporation or the Bank, (2) the enterprise's revenues
               derived from any product or service competitive with any product
               or service of the Corporation or the Bank amounted to 10% or more
               of such enterprise's revenues for its most recently completed
               fiscal year, and (3) the Corporation's revenues from the product
               or service amounted to 10% of the Corporation's revenues for its
               most recently completed fiscal year, or the Bank's revenues from
               the product or service amounted to 10% of the Bank's revenues for
               its most recently completed fiscal year. A competitive activity
               does not include mere ownership of securities in any such
               enterprise and the exercise of rights appurtenant thereto,
               provided the Executive's share ownership does not give him
               practical or legal control of the enterprise. For this purpose,
               ownership of less than 5% of the enterprise's outstanding voting
               securities shall conclusively be presumed to be insufficient for
               practical or legal control, and ownership of more than 50% shall
               conclusively be presumed to constitute practical and legal
               control.

                    If the Executive is now or hereafter becomes subject to an
               agreement not to compete with the Corporation or the Bank, a
               breach by the Executive of that other non-competition agreement
               shall be grounds for denial of severance and termination benefits
               for Cause under this clause (d) of Section 4(a)(1). But if the
               Executive engages in a competitive activity under circumstances
               justifying denial of severance or termination benefits for Cause
               under this clause (d), that shall not necessarily be grounds for
               concluding that the Executive has also breached the other
               non-competition agreement to which he is or may become subject.
               This clause (d) is not intended to and shall not be construed to
               supersede or amend any provision of an employment or
               non-competition

                                       8
<PAGE>

               agreement to which the Executive is or may become subject. This
               clause (d) does not grant to the Executive any right or privilege
               to engage in other activities or enterprises, whether in
               competition with the Corporation or the Bank or otherwise, or

          (e)  Termination for Cause under an Employment Agreement: any actions
               that have caused the Executive to be terminated for cause under
               any employment agreement existing on the date hereof or hereafter
               entered into between the Executive and the Corporation or the
               Bank.

     (2)  Definition of "Intentional": For purposes of this Agreement, no act or
          failure to act on the part of the Executive shall be deemed to have
          been intentional if it was due primarily to an error in judgment or
          negligence. An act or failure to act on the Executive's part shall be
          considered intentional if it is not in good faith and if it is without
          a reasonable belief that the action or failure to act is in the best
          interests of the Corporation.

     (3)  Termination for Cause Can Occur Solely by Formal Board Action. The
          Executive shall not be deemed to have been terminated for Cause under
          this Agreement unless and until there shall have been delivered to the
          Executive a copy of a resolution duly adopted by the affirmative vote
          of at least three-fourths (3/4) of the directors of the Corporation
          then in office at a meeting of the board of directors called and held
          for such purpose, which resolution shall (a) contain findings that, in
          the good faith opinion of the board, the Executive has committed an
          act constituting Cause and (b) specify the particulars thereof in
          detail. Notice of that meeting and the proposed termination for Cause
          shall be given to the Executive a reasonable amount of time before the
          board's meeting. The Executive and his counsel (if the Executive
          chooses to have counsel present) shall have a reasonable opportunity
          to be heard by the board at the meeting. Nothing in this Agreement
          limits the Executive's or his beneficiaries' right to contest the
          validity or propriety of the board's determination of Cause, and they
          shall have the right to contest the validity or propriety of the
          board's determination of Cause even if that right does not exist under
          any employment agreement of the Executive.

     (b) NO SEVERANCE UNDER THIS AGREEMENT FOR THE EXECUTIVE'S DEATH OR
DISABILITY. Anything in this Agreement to the contrary notwithstanding, under no
circumstance shall the Executive be entitled to severance payments or
termination benefits if --

     (1)  Death: the Executive dies while actively employed by the Corporation
          or the Bank, or

     (2)  Disability: the Executive becomes totally disabled while actively
          employed by the Corporation or the Bank. For purposes of this
          agreement, the term "totally disabled" means that because of injury or
          sickness, the Executive is unable to perform his duties.

     The benefits, if any, payable to the Executive or his beneficiary(ies) or
estate relating to his death or disability shall be determined solely by such
benefit plans or arrangements as the Corporation or the Bank may have with the
Executive relating to death or disability, not this Agreement.

5.   TERM OF AGREEMENT

     The initial term of this Agreement shall be for a period of three years,
commencing         , 2002. On the first anniversary of the       , 2002
effective date of this Agreement, and on each anniversary thereafter, the
Agreement shall be extended for one additional year if the Corporation's board
of directors determines that the Executive's performance has satisfied the
standards and requirements of the board and that the term therefore shall be
extended. References herein to the term of this Agreement shall refer to the
initial term, as the same may be extended. Unless sooner terminated, this
Agreement shall terminate when the Executive reaches age

                                       9
<PAGE>

65. If the board decides not to extend the term of this Agreement, this
Agreement shall nevertheless remain in force until its term expires. The board's
decision not to extend the term of this Agreement shall not -- by itself -- give
the Executive any rights under this Agreement to claim an adverse change in his
position, compensation or circumstances or otherwise to claim entitlement to
severance or termination benefits under this Agreement.

6.   THIS AGREEMENT IS NOT AN EMPLOYMENT CONTRACT

     The parties hereto acknowledge and agree that (a) this Agreement is not a
management or employment agreement and (b) nothing in this Agreement shall give
the Executive any rights or impose any obligations to continued employment by
the Bank or Corporation or any subsidiary or successor of the Bank or
Corporation, nor shall it give the Bank or Corporation any rights or impose any
obligations for the continued performance of duties by the Executive for the
Bank or Corporation or any subsidiary or successor of the Bank or Corporation.

7.   PAYMENT OF LEGAL FEES

     (a) THE EXECUTIVE MAY ENFORCE THIS AGREEMENT THROUGH LEGAL ACTION. The
Corporation irrevocably authorizes the Executive to retain from time to time
counsel of Executive's choice to advise and represent him in the interpretation,
enforcement or defense of the parties' rights and responsibilities under this
Agreement, if after a Change in Control occurs --

     (1)  the Executive concludes that the Corporation has failed to comply with
          any of its obligations under this Agreement, or

     (2)  if the Corporation or any or any other person takes or threatens to
          take any action to declare this Agreement void or unenforceable, or
          institutes any litigation or other action or proceeding designed to
          deny, or to recover from, the Executive the benefits provided or
          intended to be provided to the Executive under this Agreement,

including without limitation the initiation or defense of any litigation or
other legal action, whether by or against the Corporation or any director,
officer, stockholder or other person affiliated with the Corporation, in any
jurisdiction.

     (b) FEES AND EXPENSES WILL BE PAID BY THE CORPORATION. The Corporation
desires that the Executive not be required to incur legal fees and the related
costs and expenses associated with the interpretation, enforcement, or defense
of Executive's rights under this Agreement by litigation or otherwise, because
the amounts thereof would substantially detract from the benefits intended to be
extended to the Executive under this Agreement. Therefore, even if the Executive
does not prevail in whole or in part in the litigation or other legal action
associated with the interpretation, enforcement or defense of Executive's rights
under this Agreement, the Corporation hereby agrees to pay and be solely
financially responsible for any and all attorneys' and related fees, costs and
expenses incurred by the Executive in the litigation or other legal action, up
to a maximum of $500,000. The fees and expenses of counsel selected by the
Executive shall be paid or reimbursed to the Executive by the Corporation on a
regular, periodic basis, upon presentation by the Executive of a statement or
statements prepared by such counsel in accordance with counsel's customary
practices. Anything herein to the contrary notwithstanding, nothing in this
Agreement authorizes the Corporation to pay or the Executive to demand payment
of fees, costs and expenses if and to the extent payment of fees, costs and
expenses constitutes a "prohibited indemnification payment" within the meaning
of Federal Deposit Insurance Corporation Rule 359.1(l)(1) [12 CFR 359.1(l)(1)].

     (c) COST OF LIVING ADJUSTMENT FOR CAP ON LEGAL FEE REIMBURSEMENT. Upon the
occurrence of a Change in Control, the $500,000 cap on legal fee reimbursement
provided by Section 7(b) will be subject to a cost of living adjustment equal to
the value of the expression A x B, in which expression:

          A = $500,000, and

          B = Cost of living adjustment or inflation factor. This is computed by
          dividing the Consumer Price Index for All Urban Consumers ("CPI-U")
          prepared by the U.S. Bureau of Labor Statistics,

                                       10
<PAGE>
         or any successor thereto, for the CPI-U for January of the year during
         which the Change in Control occurs by the CPI-U for January 2000.

The cost of living adjustment provided in this Paragraph 7(c) shall be
considered to be part of the Executive's payment of legal fees for purposes of
this Agreement.

     Illustration of Cost of Living Adjustment. To explain the cost of living
adjustment calculation for Payment of Legal Fees, we use the following example.

     First, we determine the appropriate CPI-Us. The Agreement calls for the use
of the CPI-Us for January 2000 and the January of the year during which the
Change in Control occurs. Assume a Change in Control occurs in April 2009. For
illustrative purposes only, the CPI-U for January 2000 is 156.7, and the CPI-U
for January 2009 is 213.3.

     Second, we calculate the cost of living adjustment or inflation factor. To
do this, we divide the CPI-U for January 2009 (213.3) by the CPI-U for January
2000 (156.7). Our result is 1.361 (i.e., a 36.1 percent increase).

     Finally, we calculate the raw cost of living adjustment. To do this, we
multiply the base Payment of Legal Fees amount by the inflation factor. In our
example, $500,000 multiplied by the inflation factor of 1.361 equals $680,500.

     (d) THE EXECUTIVE MAY CHOOSE THE CORPORATION'S COUNSEL. Notwithstanding any
existing or previous attorney-client relationship between the Corporation and
any counsel chosen by the Executive under Section 7(a), the Corporation
irrevocably consents to the Executive's entering into an attorney-client
relationship with that counsel, and the Corporation and the Executive agree that
a confidential relationship shall exist between the Executive and that counsel.

8.   WITHHOLDING OF TAXES

     The Corporation or the Bank may withhold from any benefits payable under
this Agreement all Federal, state, local, or other taxes as may be required by
law, governmental regulation, or ruling.

9.   SUCCESSORS AND ASSIGNS

     (a) THIS AGREEMENT IS BINDING ON THE CORPORATION'S SUCCESSORS. This
Agreement shall be binding upon the Corporation and any successor to the
Corporation, including any persons acquiring directly or indirectly all or
substantially all of the business or assets of the Corporation by purchase,
merger, consolidation, reorganization, or otherwise. Any such successor shall
thereafter be deemed to be the "Corporation" for purposes of this Agreement. But
this Agreement and the Corporation's obligations under this Agreement are not
otherwise assignable, transferable, or delegable by the Corporation. By
agreement in form and substance satisfactory to the Executive, the Corporation
shall require any successor to all or substantially all of the business or
assets of the Corporation expressly to assume and agree to perform this
Agreement in the same manner and to the same extent the Corporation would be
required to perform if no such succession had occurred.

     (b) THIS AGREEMENT IS ENFORCEABLE BY THE EXECUTIVE AND HIS HEIRS. This
Agreement will inure to the benefit of and be enforceable by the Executive's
personal or legal representatives, executors, administrators, successors, heirs,
distributes, and legatees.

     (c) THIS AGREEMENT IS PERSONAL IN NATURE AND IS NOT ASSIGNABLE. This
Agreement is personal in nature. Without written consent of the other party,
neither party shall assign, transfer, or delegate this Agreement or any rights
or obligations under this Agreement except as expressly provided in this Section
9. Without limiting the generality or effect of the foregoing, the Executive's
right to receive payments hereunder is not assignable or transferable, whether
by pledge, creation of a security interest, or otherwise, except for a transfer
by Executive's will

                                       11
<PAGE>

or by the laws of descent and distribution. If the Executive attempts an
assignment or transfer that is contrary to this Section 9, the Corporation shall
have no liability to pay any amount to the assignee or transferee.

10.  NOTICES

     All notices, requests, demands and other communications hereunder shall be
in writing and shall be deemed to have been duly given if delivered by hand or
mailed, certified or registered mail, return receipt requested, with postage
prepaid to the following addresses or to such other address as either party may
designate by like notice.

     (a)  If to the Corporation, to:
                                 Unizan Financial Corp.
                                 220 Market Avenue South
                                 Canton, Ohio  44702
                                         Attn: Corporate Secretary

     (b)  If to the Executive, to:

                                 ---------------------------------

                                 ---------------------------------

                                 ---------------------------------

and to such other or additional person or persons as either party shall have
designated to the other party in writing by like notice.

11.  CAPTIONS AND COUNTERPARTS

     The headings and subheadings used in this Agreement are included solely for
convenience and shall not affect the interpretation of this Agreement.

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

12.  AMENDMENTS AND WAIVERS

     No provision of this Agreement may be modified, waived or discharged unless
such waiver, modification or discharge is agreed to in a writing or writings
signed by the Executive and by the Corporation. No waiver by either party hereto
at any time of any breach by the other party hereto or compliance with any
condition or provision of this Agreement to be performed by such other party
will be deemed a waiver of similar or dissimilar provisions or conditions at the
same or at any prior or subsequent time. No agreements or representations, oral
or otherwise, expressed or implied with respect to the subject matter hereof
have been made by either party that are not set forth expressly in this
Agreement.

13.  SEVERABILITY

     The provisions of this Agreement shall be deemed severable. The invalidity
or unenforceability of any provision shall not affect the validity or
enforceability of the other provisions of this Agreement. Any provision held to
be invalid or unenforceable shall be reformed to the extent (and only to the
extent) necessary to make it valid and enforceable.

14.  ENTIRE AGREEMENT

     This Agreement constitutes the entire agreement between the Corporation and
the Executive concerning the subject matter hereof. No rights are granted to the
Executive under this Agreement other than those specifically set forth herein.
This Agreement supersedes and replaces in its entirety the May 8, 2001 Severance
Agreement, as amended, entered into by the Executive and UNB Corp., predecessor
of the Corporation.

                                       12
<PAGE>

15.  GOVERNING LAW

     The validity, interpretation, construction, and performance of this
Agreement shall be governed by and construed in accordance with the substantive
laws of the State of Ohio, without giving effect to the principles of conflict
of laws of such State.

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

WITNESSES:                           UNIZAN FINANCIAL CORP.

                                     By:
----------------------------             ---------------------------------

                                     Its:
----------------------------

WITNESSES:                           EXECUTIVE

----------------------------         ---------------------------------

----------------------------

County of                   )
                            ) ss:
State of Ohio               )

     Before me this ______ day of ____________________, 2002, personally
appeared the above named_________________ ________________ and
_____________________, who acknowledged that they did sign the foregoing
instrument and that the same was their free act and deed.

                                     ---------------------------------
(Notary Seal)                        Notary Public

                                     My Commission Expires:

                                       13

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