Document:

EXHIBIT 10.5
              STILLWATER NATIONAL BANK AND TRUST COMPANY 2002 AND
                        2003 DEFERRED COMPENSATION PLANS

                 THE STILLWATER NATIONAL BANK AND TRUST COMPANY
                           DEFERRED COMPENSATION PLAN
                              (2002 PLAN AGREEMENT)

                         Deferred Compensation Agreement

         AGREEMENT, made this 31st day of December, 2001, by and between Rick
Green. (the "Participant"), and Stillwater National Bank and Trust Company (the
"Bank").

         WHEREAS, the Bank has established the Stillwater National Bank and
Trust Company Deferred Compensation Plan (the "Plan"), and the Participant is
eligible to participate in said Plan:

         NOW THEREFORE, it is mutually agreed as follows:

         1. The Participant, by the execution hereof, agrees to participate in
the Plan upon the terms and conditions set forth therein, and, in accordance
therewith, makes the following elections:

                  a.       The amount of compensation which the Participant
hereby elects to defer is (i) _____ percent (____%) of the amount otherwise
earned from the date of this Agreement forward, (ii) all amounts of compensation
in excess of $ per (month/quarter/year[cross inapplicable periods]), (iii) _____
percent (____%) of any salary reduction contributions that the Participant would
have made to the Bank's tax-qualified defined contribution or profit-sharing
plan except for applicable tax law limitations on plan contributions, and/or
(iv) ____ percent (____%) of any bonus paid following the date hereof during the
remainder of the calendar year. This election will continue in force until
revoked by the Participant in a writing sent to the Bank, or until the
Participant ceases service with the Bank, or until the Plan is terminated by
appropriate corporate action, whichever shall first occur.

                  b.       Until distributed to the Participant, the amounts
deferred pursuant to paragraph 2.a. hereof shall appreciate or depreciate for
each calendar quarter in a calendar year as though they were invested as
follows:

                  ____%    in an uninsured, nondeposit fund account having an
                           annual return for each calendar quarter equal to one
                           percentage point (1.00%) less than the annualized
                           average interest rate earned (non-taxable equivalent)
                           by the Bank on average interest-earning assets for
                           the previous calendar quarter, as calculated in good
                           faith by the Bank.

                  ____%    in a fund invested in common stock of Southwest
                           Bancorp, Inc. (the "Stock Fund").

                  c. The amounts deferred and any related accumulated income on
such deferrals shall be distributed beginning during the first 15 days of
January of:

                                  [Choose One]

                  ( )      the calendar year immediately following the year in
which the Participant ceases service with the Bank.

                  ( )      the year in which the Participant attains 72 years of
age.

                  ( ) the later of the calendar year immediately following the
year in which the Participant ceases service with the Bank, and ______________,
______(a specific date not later than the year in which the Participant will
attain 72 years of age).
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                  d. The Participant, pursuant to the Plan, hereby elects to
have the amount deferred and any related accumulated earnings distributed as
follows:

                                  [Choose One]

                  ( )      monthly over a ten-year period

                  ( )      monthly over a five-year period (must be less than
 ten (10) years)

                  ( )      in a lump sum

                  e. All distributions made pursuant to the Plan and this
Agreement will be made in cash.

         2. The Participant hereby designates: _______________________ to be his
or her beneficiary and to receive the balance of any unpaid deferred
compensation and related earnings.

         3. Except for the beneficiary designation made in paragraph 2 hereof
(which may be revised at any time and from time to time), the elections made
herein shall be irrevocable with respect to (i) the time and method of payment
of the amounts deferred during the term of the Agreement, and (ii) the deemed
future investment on such amounts. Any changes to the elections made herein by
said Participant will be limited to the range of choices offered herein, and
shall be prospective only.

         4. The Bank agrees to make payment of the amount due the Participant in
accordance with the terms of the Plan and the elections made by the Participant
herein.

         IN WITNESS WHEREOF, the parties hereto have hereunto set their hands
the day and year first above-written.

                                                 PARTICIPANT

                                                 ------------------------------
                                                 Participant

                                                 STILLWATER NATIONAL BANK
                                                        AND TRUST COMPANY

                                                 By ____________________________
                                                 Its ___________________________

                                       2
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                 THE STILLWATER NATIONAL BANK AND TRUST COMPANY
                           DEFERRED COMPENSATION PLAN
                              (2003 PLAN AGREEMENT)

                         Deferred Compensation Agreement

         AGREEMENT, made this 30th day of December, 2002, by and between Rick
Green (the "Participant"), and Stillwater National Bank and Trust Company (the
"Bank").

         WHEREAS, the Bank has established the Stillwater National Bank and
Trust Company Deferred Compensation Plan (the "Plan"), and the Participant is
eligible to participate in said Plan:

         NOW THEREFORE, it is mutually agreed as follows:

         1. The Participant, by the execution hereof, agrees to participate in
the Plan upon the terms and conditions set forth therein, and, in accordance
therewith, makes the following elections:

                  a.       The amount of compensation which the Participant
hereby elects to defer is (i) _____ percent (____%) of the amount otherwise
earned from the date of this Agreement forward, (ii) all amounts of compensation
in excess of $ per (month/quarter/year[cross inapplicable periods]), (iii) _____
percent (____%) of any salary reduction contributions that the Participant would
have made to the Bank's tax-qualified defined contribution or profit-sharing
plan except for applicable tax law limitations on plan contributions, and/or
(iv) ____ percent (____%) of any bonus paid following the date hereof during the
remainder of the calendar year. This election will continue in force until
revoked by the Participant in a writing sent to the Bank, or until the
Participant ceases service with the Bank, or until the Plan is terminated by
appropriate corporate action, whichever shall first occur.

                  b.       Until distributed to the Participant, the amounts
deferred pursuant to paragraph 2.a. hereof shall appreciate or depreciate for
each calendar quarter in a calendar year as though they were invested as
follows:

                  ____%    in an uninsured, nondeposit fund account having an
                           annual return for each calendar quarter equal to one
                           percentage point (1.00%) less than the annualized
                           average interest rate earned (non-taxable equivalent)
                           by the Bank on average interest-earning assets for
                           the previous calendar quarter, as calculated in good
                           faith by the Bank.

                  ____%    in a fund invested in common stock of Southwest
                           Bancorp, Inc. (the "Stock Fund").

                  c. The amounts deferred and any related accumulated income on
such deferrals shall be distributed beginning during the first 15 days of
January of:

                                  [Choose One]

                  ( )      the calendar year immediately following the year in
which the Participant ceases service with the Bank.

                  ( )      the year in which the Participant attains 72 years of
age.

                  ( ) the later of the calendar year immediately following the
year in which the Participant ceases service with the Bank, and ______________,
______(a specific date not later than the year in which the Participant will
attain 72 years of age).

                  d. The Participant, pursuant to the Plan, hereby elects to
have the amount deferred and any related accumulated earnings distributed as
follows:

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                                  [Choose One]

                  ( )      monthly over a ten-year period

                  ( )      monthly over a five-year period (must be less than
ten (10) years)

                  ( )      in a lump sum

                  e. All distributions made pursuant to the Plan and this
Agreement will be made in cash.

         2. The Participant hereby designates: _______________________ to be his
or her beneficiary and to receive the balance of any unpaid deferred
compensation and related earnings.

         3. Except for the beneficiary designation made in paragraph 2 hereof
(which may be revised at any time and from time to time), the elections made
herein shall be irrevocable with respect to (i) the time and method of payment
of the amounts deferred during the term of the Agreement, and (ii) the deemed
future investment on such amounts. Any changes to the elections made herein by
said Participant will be limited to the range of choices offered herein, and
shall be prospective only.

         4. The Bank agrees to make payment of the amount due the Participant in
accordance with the terms of the Plan and the elections made by the Participant
herein.

         IN WITNESS WHEREOF, the parties hereto have hereunto set their hands
the day and year first above-written.

                                                 PARTICIPANT

                                                 ------------------------------
                                                 Participant

                                                 STILLWATER NATIONAL BANK
                                                        AND TRUST COMPANY

                                                 By ____________________________
                                                 Its ___________________________

                                       E-2EXHIBIT 10.6

                 THE STILLWATER NATIONAL BANK AND TRUST COMPANY
                 SUPPLEMENTAL PROFIT SHARING PLAN AND AGREEMENT

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

         PLAN AND AGREEMENT, made as of the 19th day of December 2002, by and
between Rick Green (the "Executive"), and Stillwater National Bank and Trust
Company (the "Stillwater National").

         WHEREAS, Stillwater National previously has established the Employee's
Profit Sharing Plan and Trust as a qualified plan under the Internal Revenue
Code of 1986, as amended.

         WHEREAS, the amounts of the annual profit sharing contributions made by
Stillwater National to the Executive's account in the Primary Plan as a
percentage of his compensation may be less than the percentages payable to other
employees' accounts under Primary Plan by reason of provisions of the Code
applicable to such qualified plans.

         WHEREAS, Stillwater National has established this Stillwater National
Bank and Trust Company Supplemental Profit Sharing Plan and Agreement (the
"Plan"), in order that it may make tax-deferred contributions to a plan for the
benefit of the Executive.

NOW THEREFORE, it is mutually agreed as follows:

1.       DEFINITIONS.

     (a) "Affiliate" shall mean any "parent corporation" or "subsidiary
         corporation" of Stillwater National, as such terms are defined in
         Section 424(e) and (f), respectively, of the Code.

     (b) "Beneficiary" means the person or persons selected by the Executive on
         a form provided by Stillwater National to receive the benefits provided
         under this Plan in the event of the Executive's death.

     (c) "Board" shall mean the Board of Directors of Stillwater National.

     (d) "Change in Control" shall mean any one of the following events
         occurring after the date hereof: (1) the acquisition of ownership,
         holding or power to vote more than 51% of any class if voting
         securities of Stillwater National or Southwest, (2) the acquisition of
         the power to control the election of a majority of Stillwater
         National's or Southwest's directors, (3) the exercise of a controlling
         influence over the management or policies of Stillwater National or
         Southwest by any person or by persons acting as a "group" (within the
         meaning of Section 13(d) of the Securities Exchange Act of 1934), or
         (4) the failure of Continuing Directors to constitute at least
         two-thirds of the Board of Directors of Southwest or Stillwater
         National (the "Southwest Board") during any period of two consecutive
         years. For purposes of this Plan, "Continuing Directors" shall include
         only those individuals who were members of Southwest Board at the
         Effective Date and those other individuals whose election or nomination
         for election as a member of Southwest Board was approved by a vote of
         at least two-thirds of the Continuing Directors then in office. For
         purposes of this subparagraph only, the term "person" refers to an
         individual or a corporation, partnership, trust, association, joint
         venture, pool, syndicate, sole proprietorship, unincorporated
         organization or any other form of entity not specifically listed
         herein. The decision of the Committee as to whether a change in control
         has occurred shall be conclusive and binding.

     (e) "Code" means the Internal Revenue Code of 1986, as amended.

     (f) "Committee" shall mean the Compensation Committee of the Board.

     (g) "Compensation" means salary, bonus, and other cash compensation,
         including amounts deferred by the Executive under any and all elective
         deferred compensation plans of Stillwater National and its
         Subsidiaries.

     (h) "Continuous Service" shall mean the absence of any interruption or
         termination of service as an Employee of Southwest or any present or

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         future Affiliate. Continuous Service shall not be considered
         interrupted in the case of sick leave, military leave or any other
         leave of absence approved by Southwest or Stillwater National or in the
         case of transfers between payroll locations of Southwest or among
         Southwest, Stillwater National or any other Affiliate.

     (i) "ERISA" means the Employee Retirement Income Security Act of 1974, as
         amended.

     (j) "Non-Employee Director" means any member of the Board who, at the time
         discretion under the Plan is exercised, would be a "Non-Employee
         Director" within the meaning of Rule 16b-3 of the General Rules and
         Regulations under the Securities Exchange Act of 1934, as amended, if
         Stillwater National were an issuer for purposes of that rule.

     (k) "Parent" shall mean any present or future corporation that would be a
         "parent corporation" as defined in Subsections 424(e) and (g) of the
         Code.

     (l) "Permanent Disability means a physical or mental infirmity that impairs
         the Executive's ability to substantially perform his duties and that
         results in the Executive's becoming eligible for long-term disability
         benefits under a long-term disability plan maintained for Stillwater
         National employees (or, if Stillwater National has no such plan in
         effect, that impairs the Executive's ability to substantially perform
         his duties for a period of one-hundred and eighty consecutive days).

     (m) "Plan" means this Plan.

     (n) "Plan Account" means the account described in Section 2 of the Plan.

     (o) "Plan Year" means the calendar year.

     (p) "Primary Market Area" means Payne County, Oklahoma, the Tulsa, Oklahoma
         MSA, the Oklahoma City Oklahoma MSA, the Wichita Kansas MSA and the
         Dallas Texas MSA.

     (q) "Profit Sharing Plan" means the Stillwater National Bank and Trust
         Company Profit Sharing Plan and Trust, as amended, or any successor
         plan thereto.

     (r) "Southwest" shall mean Southwest Bancorp, Inc.

     (s) "Stillwater National" shall mean Stillwater National Bank and Trust
         Company.

     (t) "Subsidiary" shall mean any present or future corporation which would
         be a "subsidiary corporation" as defined in Subsections 424(f) and (g)
         of the Code.

     (u) "Termination for Just Cause" means termination by Stillwater National
         or Southwest of Executive's employment because of the Executive's
         personal dishonesty, incompetence, willful misconduct, breach of
         fiduciary duty involving personal profit, intentional failure to
         perform stated duties; willful violation of any law, rule or regulation
         (other than minor offenses) or any final cease-and-desist order), or
         committing any other act that causes significant damage to the
         reputation of the Bank or any of its Affiliates. Notwithstanding the
         foregoing, the Executive shall not be deemed to have been terminated
         for Just Cause by Southwest or Stillwater National unless there shall
         have been delivered to the Executive a copy of a resolution duly
         adopted by the affirmative vote of not less than a majority of the
         entire membership of the Board of Southwest or Stillwater National at a
         meeting of such Board called and held for the purpose (after reasonable
         notice to the Executive and an opportunity for the Executive to be
         heard before the Board), finding that in the good faith opinion of such
         Board the Executive was guilty of conduct described above.

     (v) "Termination for Good Reason" means termination by the Executive of his
         employment with Stillwater National or Southwest because of a material
         breach by Stillwater National under a binding employment agreement with
         the Executive; a material reduction in the Executive's responsibilities
         or authority, or a requirement that the Executive report to any person
         or group other than the board of directors of Stillwater National and
         Southwest; assignment to the Executive of duties of a nonexecutive
         nature or duties for which he is not reasonably equipped by his skills
         and experience; any material reduction in salary or material reduction

                                      E-2
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         in benefits below the amounts to which he was entitled prior to a
         Change in Control; a requirement that the Executive relocate his
         principal business office or his principal place of residence outside
         the Principal Market Area, or the assignment to the Executive of duties
         that would reasonably require such a relocation; a requirement that the
         Executive spend more than ninety normal working days away from the
         Primary Market Area during any consecutive twelve-month period; or
         failure to provide office facilities, secretarial services, and other
         administrative services to Executive that are substantially equivalent
         to the facilities and services provided to the Executive immediately
         prior to the Change in Control (excluding brief periods during which
         office facilities may be temporarily unavailable due to fire, natural
         disaster, or other calamity). Notwithstanding the foregoing: a
         reduction or elimination of the Executive's benefits under one or more
         benefit plans maintained by of Stillwater National and Southwest as
         part of a good faith, overall reduction or elimination of such plan or
         plans or benefits thereunder applicable to all participants in a manner
         that does not discriminate against the Executive (except as such
         discrimination may be necessary to comply with law) shall not
         constitute an event of Good Reason provided that benefits of the type
         or to the general extent as those offered under such plans prior to
         such reduction or elimination are not available to other officers of
         Stillwater National or any company that controls Stillwater National
         under a plan or plans in or under which the Executive is not entitled
         to participate, and receive benefits, on a fair and nondiscriminatory
         basis. This provision shall not affect the rights of the Executive to
         enforce this Plan.

     (w) "Transaction" means (i) the liquidation or dissolution of Southwest,
         (ii) a merger or consolidation in which Southwest is not the surviving
         entity; or (iii) the sale or other disposition of all or substantially
         all of the voting securities or assets of Stillwater National.

     (x) "Trust" means an irrevocable grantor trust established by Stillwater
         National, or a successor thereto, in connection with this Plan to
         provide the benefits described in the Plan, the assets of which are
         subject to the claims of Stillwater National's creditors in the event
         of bankruptcy or insolvency, and the terms of which conform to the
         terms of the model trust as descried in IRS Revenue Procedure 92-64
         (and any successor thereto) and otherwise meet the requirements for a
         "rabbi trust" under ERISA and the Code and of the provisions of this
         Plan.

     (y) "Trustee" means the independent third-party corporation or individual
         selected by Stillwater National to serve as Trustee for the Trust.

2.       PLAN ACCOUNT.

Stillwater National shall establish and maintain the Plan Account for the
benefit of the Executive or for the benefit of his designated beneficiary upon
the death of the Executive, and shall credit the account with contributions and
earnings and debit the account for distributions, as described in this Plan.

3.        CONTRIBUTIONS.

Stillwater National shall make contributions to the Plan Account as follows:

     (a) Supplemental Profit Sharing Contributions. Stillwater National shall
         credit the Plan Account with the amount equal to the difference between
         the aggregate amount of contributions which would have been allocated
         with respect to the Executive under the Profit Sharing Plan based on
         the Executive's Compensation without regard to the limitations imposed
         by the Code on the Profit Sharing Plan, or otherwise contained in the
         Plan, and the aggregate amount of contributions actually made with
         respect to the Executive, without regard to forfeitures. For purposes
         of determining the amount which would have been allocated to the Profit
         Sharing Plan, such amount shall be deemed to be proportionate to the
         ratio of the actual contribution made to such plan over the
         compensation taken into account under such plan. Such contributions
         shall be credited to the Plan Account at substantially the same time as
         contributions are made to the Profit Sharing Plan. Stillwater National
         is not required to make any Supplemental Profit Sharing Contribution
         for any period in which it does not make a contribution to the Profit
         Sharing Plan. No Supplemental Profit Sharing Contributions shall be
         made following a termination of the Executive's employment for Cause or
         voluntary termination without Good Reason. The Supplemental Profit

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         Sharing Contribution for the calendar year in which the Executive's or
         his Beneficiary's rights under the Plan vest shall be prorated based
         upon the number of days in the calendar year prior to the vesting date
         over 365.

     (b) Discretionary Contributions. Stillwater National may make, but is not
         required by this Plan to make, additional, discretionary contributions
         to the Plan Account at such times and in such amounts as it may deem
         appropriate.

     (c) Earnings. Until the Plan Account is fully distributed to the Executive
         or his Beneficiary, the Plan Account shall be credited as of the last
         day of each calendar quarter with earnings as though the balance of the
         Plan Account at the beginning of such calendar quarter were invested in
         an uninsured, nondeposit fund account having an annual return for each
         calendar quarter equal to the annualized average interest rate earned
         (non-taxable equivalent) by Stillwater National on average
         interest-earning assets for such calendar quarter, and except as
         provided in Section 6 hereof, as calculated in good faith by Stillwater
         National. (For example, the earnings rate for the first calendar
         quarter of 2002 would have been 6.65%, if the Plan were then in
         effect.)

     (d) Unfunded Arrangement. The parties intend that this Plan be unfunded for
         purposes of ERISA and the Code. The Executive and his Beneficiary are
         general unsecured creditors of Stillwater National for the payment of
         benefits under this Plan. The benefits represent the mere promise by
         Stillwater National 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 of the Executive or his Beneficiary. Any representation or
         assertion contrary to this section 3(d) is a material breach of this
         Plan by the representing or asserting party, which, if such party is
         the Executive or, following his death, a Beneficiary, shall immediately
         result in the cessation of any and all payments and the elimination of
         any liability hereunder for any payment not made prior to such
         assertion or representation, and, if such party is Stillwater National
         or an Affiliate of Stillwater National, shall subject Stillwater
         National to liability for actual damages for such breach.

4.       DISTRIBUTIONS.

     (a) Vesting. The amounts deferred and any related accumulated income on
         such deferrals shall be fully vested upon the following occurs,
         provided the Executive has Continuously Served from the date of this
         Plan to such date:

         (1)      The Executive's retirement on or after Age 62;

         (2)      The Executive's 72nd birthday;

         (3)      The Executive's Permanent Disability;

         (4)      Termination of Executive's employment by Stillwater National
                  Without Cause;

         (5)      Termination of Executive's employment by the Executive With
                  Good Reason;

         (6)      Termination of the Plan; or

         (7)      A Change in Control.

     (b) When Payments Start. Distribution shall begin during the first 15 days
         of January in the calendar year immediately following the year in which
         the earliest of the events listed in (1) through (6) of subsection (a)
         occurs.

     (c) Manner of Distributions. Distributions will occur in the manner
         selected by the Executive below, provided that the Executive may change
         the method of distribution as to future contributions and earnings
         thereon, only, and only from the choices offered below, by written
         notice to Stillwater National. The Executive, pursuant to the Plan,
         hereby elects to have the amount contributed and any related
         accumulated earnings distributed as follows:

                                  [Choose One]

                  ( )      monthly over a five-year period

                  ( )      monthly over a ten-year period

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                  ( )      monthly over a fifteen-year period

                  ( )      in a lump sum

     (d) Cash Distributions. All distributions made pursuant to the Plan and
         this Agreement will be made in cash.

     (e) Distributions after Death. If the Executive dies before the entire
         amount credited to the Executive under the Plan has been paid to the
         Executive, the amount remaining shall be distributed to the Executive's
         Beneficiary in accordance with the method selected by the Executive. If
         the Executive has not designated a Beneficiary, or if no designated
         Beneficiary is living on the date of distribution, such amount shall be
         distributed to those persons or such trust entitled to receive
         distributions of the Executive's benefits under the Profit Sharing
         Plan.

     (f) Emergency Distributions. In the event the Executive incurs an
         unforeseeable emergency, the Executive may make a written request to
         the Stillwater National for a hardship withdrawal from his or her
         account. An unforeseeable emergency is a severe financial hardship to
         the Executive resulting from a sudden and unexpected illness or
         accident of the Executive or of a dependent (as defined in Section
         152(a) of the Code), loss of the Executive's property due to casualty,
         or other similar extraordinary and unforeseeable circumstances arising
         as a result of events beyond the control of the Executive. Withdrawals
         of amounts because of an unforeseeable emergency are only permitted to
         the extent reasonably needed to satisfy the emergency need. This
         section shall be interpreted in a manner consistent with Sections
         1.457-2(h)(4) and 1.457-2(h)(5) of the Treasury Regulations.

5.       PLAN ADMINISTRATION.

     (a) Committee. The Plan shall be administered by the Committee. In the
         absence at any time of a duly appointed Committee, the Plan shall be
         administered by the Board. Except as limited by the express provisions
         of the Plan or by resolutions adopted by the Board, the Committee shall
         have sole and complete authority and to prescribe, amend and rescind
         rules and regulations relating to the Plan, and to make other
         determinations necessary or advisable for the administration of the
         Plan. The Committee shall have and may exercise such other power and
         authority as may be delegated to it by the Board from time to time.

     (b) Indemnification and Limitation of Liability. In addition to such other
         rights of indemnification as they may have, the members of the
         Committee shall be indemnified by Stillwater National in connection
         with any claim, action, suit or proceeding relating to any action taken
         or failure to act under or in connection with the Plan to the maximum
         extent provided for under Stillwater National's Certificate of
         Incorporation or Bylaws with respect to the indemnification of
         Directors. Stillwater National nor any of its officers, directors,
         Affiliates, or agents shall be liable to the Executive, his Beneficiary
         or any other person for any claim, loss, liability or expense incurred
         in connection with the Plan, unless attributable to fraud or willful
         misconduct on the part of such person.

     (c) Costs and Statements. Stillwater National shall pay the expenses of
         administration and the costs of employing employment counsel and
         accountants with respect to the Plan or its administration, including
         without limitation, the administrative and other costs of the Trust.
         Stillwater National shall furnish individual annual statements of
         accrued benefits to the Executive or current Beneficiary, in such form
         as determined by Stillwater National or as required by law.

     (d) Facility of Payment. If a benefit is payable to a minor, to a person
         declared incompetent, or to a person incapable of handling the
         disposition of his or her property, Stillwater National may pay such
         benefit to the guardian, legal representative, or person having the
         care or custody of such minor, incompetent person, or incapable person.
         Stillwater National may require proof of incompetency, minority, or
         guardianship as it may deem appropriate prior to the distribution of
         the benefit. Such distribution shall completely discharge Stillwater
         National from all liability with respect to such benefit.

6.       TRUST.

Prior to or simultaneously with any Transaction and within ten calendar days of
any other Change in Control, unless and to the extent the Executive has

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previously provided a written release of any claims under this Plan, Stillwater
National shall establish a valid trust under the law of the State of Oklahoma
with an independent trustee that has or may be granted corporate trust powers
under Oklahoma law, deposit in such trust an amount equal to 200% of the Plan
Account balance immediately prior to the establishment of the Trust, and provide
the Trustee of the Trust with a written direction to invest such amount in
securities supported by the full faith and credit of the United States except
for amounts held in one or more deposit accounts as needed on a short-term basis
to pay amounts due to the Executive or his Beneficiary as provided below, to
hold said amount and any investment return thereon in a segregated account, and
to pay such amounts due to the Executive (or upon his death, his Beneficiary)
under this Plan. Upon the final payment of all amounts due to the Executive or
his Beneficiary under this Plan, the Trustee of the Trust shall pay to
Stillwater National the entire balance, if any, remaining in the Trust. Payments
from the Trust to the Executive shall be considered payments made by Stillwater
National for purposes of this Agreement. Payment of such amounts to the
Executive from the Trust, however, shall not relieve Stillwater National from
any obligation to pay amounts in excess of those paid from the Trust, or from
any obligation to take actions or refrain from taking actions otherwise required
by this Plan. In no event may the Trust invest in securities or obligations
issued by Stillwater National or any of its Affiliates or successors. Stillwater
National shall have no right or power to direct the Trustee to return or divert
any of the Trust assets before all payments of benefits have been made.
Stillwater National shall pay all fees and expenses of the Trust, including,
without limitation, Trustee fees, and all income taxes on earnings of the Trust
from its assets outside of the Trust. In the event that Stillwater National
shall not provide the earnings rate referred to under Section 3(c) hereof, the
Trustee shall calculate such rate based upon reports of condition furnished by
Stillwater National to its primary federal banking regulator or upon other
publicly available reports. The Executive's and his Beneficiary's rights under
this Plan shall be those of a general, unsecured creditor, he shall have no
claim against the assets of the Trust, and the assets of the Trust shall be
considered general assets of Stillwater National subject to the claims of
creditors of Stillwater National in the event of its bankruptcy or insolvency.

7.       NO EFFECT ON PROFIT SHARING PLAN.

This Plan has no effect upon benefits under or the terms of the Profit Sharing
Plan.

8.       FORFEITURE OR SUSPENSION OF PLAN BENEFITS.

     (a) In General. The Executive shall completely forfeit any and all rights
         to any and all benefits under this Plan upon his termination for Cause
         or his voluntary termination without Good Reason.

     (b) Competition. Regardless of anything herein to the contrary, except in
         the case of a termination of employment by Stillwater National without
         Just Cause, a termination of employment by the Executive with Good
         Reason, or with the permission of Stillwater National, if the Executive
         shall, during the two years immediately following the Executive's
         termination of employment, serve as an officer or director or employee
         of any bank holding company, bank, savings association, savings and
         loan holding company, or mortgage company (any of which, a "Financial
         Institution") which Financial Institution offers products or services
         competing with those offered by the Bank from offices in any county in
         the Primary Market Area, or shall interfere with the relationship of
         Stillwater National and any of its employees, agents, or
         representatives, then the Committee shall direct that any unpaid
         balance of any payments to the Executive under this Agreement be
         suspended, and shall thereupon notify the Executive of such suspension,
         in writing. Thereupon, if the Committee shall determine that such
         behavior by the executive exists at any time after a period of one
         month following notification of such suspension, all rights of the
         Executive and his Beneficiary under this Plan, including rights to any
         and all further payments hereunder, shall thereupon terminate.

     (c) Certain Regulatory Events. If the Executive is removed and/or
         permanently prohibited from participating in the conduct of Stillwater
         National's affairs by an order issued under Sections 8(e)(4) or 8(g)(1)
         of the Federal Deposit Insurance Act ("FDIA") (12 U.S.C. ss.ss.
         1818(e)(4) and (g)(1)), all obligations of Stillwater National under
         this Agreement shall terminate as of the effective date of the order,
         but vested rights of the parties shall not be affected. If Stillwater
         National is in default (as defined in Section 3(x)(1) of FDIA), all
         obligations of Stillwater National under this Agreement shall terminate
         as of the date of default, but vested rights of the parties shall not
         be affected. If a notice served under Sections 8(e)(3) or (g)(1) of the

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         FDIA (12 U.S.C. ss.ss. 1818(e)(3) and (g)(1)) suspends and/or
         temporarily prohibits the Executive from participating in the conduct
         of Stillwater National's affairs, Stillwater National's obligations
         under this Agreement shall be suspended as of the date of such service,
         unless stayed by appropriate proceedings. If the charges in the notice
         are dismissed, Stillwater National may, in its discretion, (i) pay the
         Executive all or part of the contributions or payments withheld while
         its contract obligations were suspended, and (ii) reinstate (in whole
         or in part) any of its obligations which were suspended.

9.       TERMINATION.

Stillwater National may terminate this Plan only upon termination of the Profit
Sharing Plan or with the Agreement of the Executive. No termination of the Plan
shall directly or indirectly reduce the balance of the Plan Account as of the
effective date of such termination. Upon termination of the Plan, distribution
of the Plan Account in accordance with Section amounts credited to such account
shall be made to the Executive or his or her Beneficiary in accordance with
Section 4. No contributions will be credited to the Plan Account after
termination of the Plan, but earnings will continue to be credited to the Plan
Account until all amounts are distributed to the Executive or his Beneficiary.

10.      GOVERNING LAW.

The Plan shall be governed by and construed in accordance with the laws of the
State of Oklahoma, except to the extent that federal law shall be deemed to
apply.

11.      SUCCESSORS AND ASSIGNS.

The Plan shall be binding upon Stillwater National's successors.

12.      AMENDMENTS.

No amendments or additions to this Plan shall be binding unless made in writing
and signed by all of the parties, except as herein otherwise specifically
provided. This document supersedes any previous version of the Plan.

13.      SEVERABILITY.

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

14.      HEADINGS.

Headings contained herein are for convenience of reference only.

15.      ENTIRE AGREEMENT.

This Agreement, together with any understanding or modifications thereof as
agreed to in writing by the parties, shall constitute the entire agreement among
the parties hereto with respect to the subject matter hereof, other than written
agreements with respect to specific plans, programs or arrangements described in
Sections 5 and 6.

IN WITNESS WHEREOF, the parties hereto have hereunto set their hands the day and
year first above-written.

                                                 RICK GREEN, Executive

                                                 /s/ Rick Green
                                                 -------------------------------
                                                 STILLWATER NATIONAL BANK
                                                        AND TRUST COMPANY

                                                 By  /s/ Kerby E. Crowell
                                                     ---------------------------

                                                     /s/ Russell W. Teubner
                                                     ---------------------------

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