Document:

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                                                                EXHIBIT 10.11(a)
                                                                  BKMU 2000 10-K

                        SUPPLEMENTAL RETIREMENT AGREEMENT

         THIS SUPPLEMENTAL RETIREMENT AGREEMENT ("Agreement") is made and
entered into as of the      day of            , 1994 (the "Effective Date"), by
and between First Northern Savings Bank, S.A., a Wisconsin chartered capital
stock savings and loan association (hereinafter referred to as "Employer"), and
                (hereinafter referred to as "Executive").

         WHEREAS, Executive has made a considerable and significant contribution
to the success and development of Employer; and

         WHEREAS, Executive and Employer have agreed that it is in their mutual
best interest to enter into this Agreement to provide Executive with
supplemental retirement benefits to encourage Executive's continued employment.

         NOW, THEREFORE, for good and valuable consideration which is hereby
acknowledged by Executive and Employer, the parties hereto hereby agree as
follows:

1.       Definitions

         1.1  Age. "Age" shall mean the age of the Executive as of the
              Executive's most recent birthday.

         1.2  Base Monthly Benefit.  "Base Monthly Benefit" means $
              per month.

         1.3  Board.  "Board" shall mean the Board of Directors of the
              Employer.

         1.4  Change in Control.  A "Change in Control" shall mean the
              occurrence of any of the following events:

                  (a) A change in directors, which shall be deemed to have
         occurred if, during any period of two (2) consecutive years, the
         individuals, who at the beginning of any such period constituted the
         directors of Employer, cease for any reasons to constitute at least a
         majority thereof.

                  (b) There is any Successor.

                  (c) The filing by Employer of a report or proxy statement with
         the Office of Thrift Supervision ("OTS"), Federal Deposit Insurance
         Corporation, the Securities and Exchange Commission or other
         appropriate federal regulatory agency disclosing in response to Item 1
         of Form 8-K or Item 5 of Part II of Form 10-Q, each promulgated
         pursuant to the Securities Exchange Act of 1934, as amended ("Exchange
         Act"), or Item 6(e) of Schedule 14A promulgated thereunder, or
         comparable or successor Forms, Schedules or Items of the appropriate
         federal regulatory agency, that a Change in Control of Employer has or
         may have occurred pursuant to any contract or transaction; or

                  (d) The determination that any individual, group of persons,
         partnership, corporation or other organization has acquired "control"
         of Employer as defined in Section 574.4 of the Rules and Regulations
         issued by the OTS under the Home Owners' Loan Act, as amended (the
         "Regulations") or other comparable rule or regulation of the
         appropriate federal regulatory agency; provided, however, that if such
         individual, group of persons, partnership, corporation or other
         organization, or any of them, shall be required to file an application
         with the OTS (or other appropriate federal regulatory agency) as
         required by Section 574.3 of the

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         Regulations (or other comparable rule or regulation promulgated by the
         appropriate federal regulatory agency) as a condition to their
         acquisition of title of any of such voting securities, the acquisition
         of such control for purposes of this paragraph (d), of such voting
         securities shall not be deemed to have occurred until the OTS (or other
         appropriate federal regulatory agency) shall have given its approval.

         1.5 Committee. "Committee" shall mean the committee designated by the
Board and shall initially be the Compensation Committee of the Board.

         1.6 Successor "Successor" shall mean any successor in interest,
including without limitation, any entity, individual or group of persons
acquiring directly or indirectly all or substantially all of the business or
assets of Employer whether by sale, merger, consolidation, reorganization or
otherwise.

         1.7 Total and Permanent Disability. "Total and Permanent Disability"
means that Executive is unable to perform each of the material duties of his or
her employment under this Agreement, by reason of any disability, illness,
accident or condition, for a period of more than six consecutive months during
any twelve-month period, which is expected to continue for more than one year as
certified by a medical doctor of Executive's own choosing and concurred in by a
doctor of Employer's choosing. If there is any dispute as to whether Executive
is Totally and Permanently Disabled within the meaning of this Section 1.7, such
dispute shall be submitted to a licensed physician agreeable to the parties who
shall conduct an examination of Executive for the purpose of resolving such
dispute; provided, however, that if the parties cannot agree upon a physician
within sixty (60) days after written notice by either party to the other, a
physician designated by the then President of the Medical Society of Brown
County, Wisconsin shall conduct such examination. Employee shall submit to such
examination and the determination of such physician as to whether Executive is
Totally and Permanently Disabled within the meaning of this Section 1.7 will be
binding and conclusive on the parties.

         1.8 Years of Service. "Years of Service" means the number of completed
years of service with the Employer or any successor measured from Executive's
date of employment to Executive's termination of employment (rounding up for
fractional years of six months or more and rounding down for fractional years of
less than six months).

2. Supplemental Retirement Benefits

         2.1 Eligibility for Benefits. The Employer shall pay Executive a
supplemental retirement benefit if Executive continues in employment with the
Employer until:

          (a)  such time as the sum of Executive's Age and Years of Service
               total 80,

          (b)  a Change in Control,

          (c)  Executive's death, or

          (d)  Executive's Total and Permanent Disability.

Payments shall commence on the first day of the month next following the earlier
of Executive's attainment of age 65 or Executive's death. Payments shall
continue on the first day of each month thereafter until a total of 180 monthly
payments have been made to Executive or Executive's beneficiary. The
supplemental retirement benefit payable to Executive under this Section 2.1
shall be the Base Monthly Benefit; provided, however that if benefits commence
prior to Executive's attainment of age 65 because of Executive's death, the
monthly benefit payable shall be reduced to reflect the early commencement of
benefits using a 6% discount rate. The amount payable in such event shall be
equal to the amount which, if compounded monthly at a rate of 6% per year, would
be equal to the Base Monthly Benefit payable on the first day of the month
following Executive's attainment of age 65. For example, if Executive has a Base
Monthly Benefit of $2,000 and benefits commence under this Agreement on the
first day of the month following Executive's

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attainment of age 55 and continue for 180 months, the monthly benefit following
the adjustment will be $1,099.27. (See attachment for calculation.)

         2.2 Acceleration of Benefits. If Executive becomes entitled to benefits
under Section 2.1, Executive may submit a request to the Committee to have his
or her supplemental retirement benefits commence earlier than the time otherwise
provided in Section 2.1 and/or to have his or her benefits paid over a period
shorter than 180 months. The Committee, in its absolute discretion, shall decide
whether to grant such request. In the event the Committee grants Executive's
request, the amount of Executive's monthly payment shall be adjusted to reflect
such acceleration using a 6% discount rate (compounded monthly). For example, if
Executive has a Base Monthly Benefit of $2,000 and the Committee consents to
Executive's request to have payments commence on the first day of the month
following Executive's attainment of age 55 and to continue for 60 months (5
years), the monthly benefit following the adjustment will be $2,518.42. (See
attachment for calculation.)

         2.3 Other Termination; No Benefit. No benefits shall be payable under
this Agreement if Executive terminates employment with the Employer prior to:
(a) such time as the sum of Executive's Age and Years of Service total 80, (b) a
Change in Control, (c) Executive's death, and (d) Executive's Total and
Permanent Disability.

3. Designation of Beneficiary.

         Executive shall have the right to designate a beneficiary or
beneficiaries to receive any benefit provided for herein. Such designation of
beneficiary shall be delivered in writing to Employer, and may be changed by
Executive at any time by written notice delivered to Employer. If no beneficiary
has been designated or if the designated beneficiary does not survive Executive,
the benefit shall be payable to Executive's estate. If the beneficiary or
beneficiaries who survive Executive die before receiving the full amount of any
benefits payable hereunder, such benefits shall be paid to the estate of the
last such beneficiary to die.

4. No Trust Created.

         Nothing contained in this Agreement, and no action taken pursuant to
the provisions of this Agreement, shall create or be construed to create a trust
of any kind, or a fiduciary relationship between the Employer and Executive, his
or her designated beneficiary or any other person. Any funds which may be
invested or assets which may be acquired by Employer relating to this Agreement
shall continue for all purposes to be a part of the general funds of Employer
and no person other than Employer shall by virtue of the provisions of this
Agreement have any interest in such funds or assets. To the extent that any
person acquires a right to receive payment from Employer under this Agreement,
such right shall be no greater than the right of any unsecured general creditor
of Employer.

5. Insurance Funding.

         The Employer, in its discretion, may apply for and procure as owner and
for its own benefit, insurance on the life of the Executive in such amounts and
in such forms as the Employer may choose. The Executive shall have no interest
whatsoever in any such policy or policies, but the Executive shall, as a
condition precedent to the receipt of any benefits under this Agreement,
cooperate with the Employer in undergoing any medical examinations and providing
any information reasonably necessary in connection with such insurance policies.

6. Claims Procedure.

         If the Executive or the Executive's beneficiary (hereinafter referred
to as a "Claimant") is denied all or a portion of an expected benefit under this
Agreement for any reason, he or she may file a claim with the Committee. The
Committee shall notify the Claimant within 60 days of allowance or denial of the
claim, unless the Claimant receives written notice from the Committee prior to
the end of the sixty (60) day period stating that special circumstances require

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an extension of the time for decision. Such notice shall be in writing, sent by
mail to Claimant's last known address and, if a denial of the claim, must
contain the following information:

              a) the specific reasons for the denial;

              b) specific reference to pertinent provisions of the Agreement on
         which the denial is based; and

              c) if applicable, a description of any additional information or
         material necessary to perfect the claim, an explanation of why such
         information or material is necessary, and an explanation of the claim
         review procedure.

7. Review Procedures.

         A Claimant is entitled to request a review of any denial of his or her
claim by the Committee. The request for review must be submitted in writing
within 60 days of the mailing of the notice of denial. Absent a request for
review within the 60-day period, the claim will be deemed to be conclusively
denied. The Claimant or his or her representatives shall be entitled to review
all pertinent documents, and to submit issues and comments orally and in
writing.

         If the request for review by a Claimant concerns the interpretation and
application of the provisions of this Agreement and the Employer's obligations,
then the review shall be conducted by the entire Board. The Board shall afford
the Claimant a hearing and the opportunity to review all pertinent documents and
submit issues and comments orally and in writing and shall render a review
decision in writing, all within sixty (60) days after receipt of a request for a
review, provided that, in special circumstances (such as the necessity of
holding a hearing) the Board may extend the time for decision by not more than
sixty (60) days upon written notice to the Claimant. The Claimant shall receive
written notice of the Board's review decision, together with specific reasons
for the decision and reference to the pertinent provisions of this Agreement.

8. Successors and Binding Agreements.

              (a) This Agreement shall be binding upon and inure to the benefit
         of Employer and any Successor of or to Employer, but shall not
         otherwise be assignable or delegatable by Employer.

              (b) This Agreement shall inure to the benefit of and be
         enforceable by Executive's personal or legal representatives,
         executors, administrators, successors, heirs, distributees and
         legatees.

              (c) Employer shall require any Successor to agree (by agreement in
         form and substance satisfactory to Executive) within thirty (30) days
         after becoming a Successor to perform this Agreement to the same extent
         as the original parties would be required if no succession had
         occurred.

              (d) This Agreement is personal in nature and neither of the
         parties shall, without the consent of the other, assign, transfer or
         delegate this Agreement or any rights or obligations hereunder except
         as expressly provided in this Section 8.

9. Termination or Suspension as Required by Law.

         Notwithstanding anything in this Agreement to the contrary, the
following provisions shall limit the obligation of Employer hereunder, but only
to the extent required by the applicable regulations of the OTS (12 C.F.R.
563.39), or similar succeeding regulations:

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              (a) In the event that Employer is in "default" (as defined in
         section 3(x)(1) of the Federal Deposit Insurance Act, 12 U.S.C. ss.1813
         (x)(1)), all obligations hereunder shall terminate as of the date of
         said default.

              (b) If Executive is suspended and/or temporarily prohibited from
         participating in the conduct of Employer's affairs by a notice served
         under section 8(e)(3) or section 8(g)(1) of the Federal Deposit
         Insurance Act (12 U.S.C. ss.ss. 1818(e)(3) and (g)(1)), Employer's
         obligations under this Agreement shall be suspended as of the date of
         service of such notice, unless such suspension is stayed by appropriate
         proceedings. If the charges in the notice are dismissed, Employer may
         in its discretion (i) pay Executive all or part of the compensation
         withheld while its obligations hereunder were suspended, and (ii)
         reinstate (in whole or in part) any of its obligations which were
         suspended.

              (c) If Executive is removed and/or permanently prohibited from
         participating in the conduct of Employer's affairs by an order issued
         under section 8(e)(4) or section 8(g)(1) of the Federal Deposit
         Insurance Act (12 U.S.C. ss.ss. 1818 (e)(4) or (g)(1)), all obligations
         of Employer hereunder shall terminate as of the effective date of the
         order.

              (d) All obligations under this Agreement shall be terminated,
         except to the extent determined that continuation of this Agreement is
         necessary for the continued operation of Employer, (i) by the Director
         of OTS, or his or her designee, at the time the FDIC or the Resolution
         Trust Corporation ("RTC") enters into an agreement to provide
         assistance to or on behalf of Employer under the authority contained in
         section 13(c) of the Federal Deposit Insurance Act; or (ii) by the
         Director of OTS or, his or her designee, at the time the Director, or
         his or her designee, approves a supervisory merger to resolve problems
         related to the operation of Employer or when Employer is determined by
         the Director of OTS to be in an unsafe or unsound condition.

         Any rights of the Executive which have vested, including those which
vest upon termination of this Agreement, shall not be affected by termination
under this section.

10. Limitations on Termination Compensation.

              (a) In the event that the benefits payable to the Executive under
         this Agreement or any other payments or benefits received or to be
         received by the Executive from the Employer (whether payable pursuant
         to the terms of any plan, agreement or arrangement with the Employer)
         or any corporation ("Affiliate") affiliated with the Employer within
         the meaning of Section 1504 of the Internal Revenue Code of 1986, as
         amended (the "Code"), in the opinion of tax counsel selected by the
         Employer's independent auditors and acceptable to the Executive,
         constitute "parachute payments" within the meaning of Section
         280G(b)(2) of the Code, and the present value of such "parachute
         payments" equals or exceeds three (3) times the average of the annual
         compensation payable to the Executive by the Employer (or an Affiliate)
         and includible in the Executive's gross income for federal income tax
         purposes for the five (5) calendar years preceding the year in which a
         change in ownership or control of the Employer occurred ("Base
         Amount"), such benefits under this Agreement shall be reduced to an
         amount the present value of which (when combined with the present value
         of any other payments or benefits otherwise received or to be received
         by the Executive from the Employer (or an Affiliate) that are deemed
         "parachute payments") is equal to 2.99 times the Base Amount,
         notwithstanding any other provision to the contrary in this Agreement.
         The benefits under this Agreement shall not be reduced if (A) the
         Executive shall have effectively waived his or her receipt or enjoyment
         of any such payment or benefit which triggered the applicability of
         this section, or (B) in the opinion of tax counsel, the benefits under
         this Agreement (in their full amount or as partially reduced, as the
         case may be) plus all other payments or benefits which constitute
         "parachute payments" within the meaning of Section 280G(b)(2) of the
         Code are reasonable compensation for services actually rendered, within
         the meaning of Section 280G(b)(4) of the Code, and such payments are
         deductible by the Employer. The Base Amount shall include every type
         and form of compensation includible in the Executive's gross income in
         respect of his or her employment by

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         the Employer (or an Affiliate), except to the extent otherwise provided
         in temporary or final regulations promulgated under Section 280G(b) of
         the Code. For purposes of this Section, a "change in ownership or
         control" shall have the meaning set forth in Section 280G(b) of the
         Code and any temporary or final regulations promulgated thereunder. The
         present value of any non-cash benefit or any deferred cash payment
         shall be determined by the Employer's independent auditors in
         accordance with the principles of Sections 280G(b)(3) and (4) of the
         Code.

              (b) The Executive shall have the right to request that the
         Employer obtain a ruling from the Internal Revenue Service ("Service")
         as to whether any or all payments or benefits determined by such tax
         counsel are, in the view of the Service, "parachute payments" under
         Section 280G. If a ruling is sought pursuant to the Executive's
         request, no benefits payable under this Agreement shall be made to the
         Executive until after fifteen (15) days from the date of such ruling.
         For purposes of this section, the Executive and the Employer agree to
         be bound by the Service's ruling as to whether payments constitute
         "parachute payments" under Section 280G. If the Service declines, for
         any reason, to provide the ruling requested, the tax counsel's opinion
         provided in (a) above with respect to what payments or benefits
         constitute "parachute payments" shall control, and the period during
         which the benefits under this Agreement may be deferred shall be
         extended to a date fifteen (15) days from the date of the Service's
         notice indicating that no ruling would be forthcoming.

              (c) In the event that Section 280G, or any successor statute, is
         repealed, this section shall cease to be effective on the effective
         date of such repeal. The parties to this Agreement recognize that final
         regulations under Section 280G of the Code may affect the amounts that
         may be paid under this Agreement and agree that, upon issuance of such
         final regulations, this Agreement may be modified as in good faith
         deemed necessary in light of the provisions of such regulations to
         achieve the purposes of this Agreement, and that consent to such
         modifications shall not be unreasonably withheld.

              (d) Any payments made to the Executive pursuant to this Agreement,
         or otherwise, are subject to and conditioned upon their compliance with
         section 18(k) of the Federal Deposit Insurance Act (12 USC ss. 1828(k))
         and any regulations promulgated thereunder.

11. Legal Fees And Expenses.

         It is the intent of Employer that Executive not be required to incur
the expenses associated with the enforcement of his or her rights under this
Agreement by litigation, arbitration or other legal action because the cost and
expense thereof would substantially detract from the benefits intended to be
extended to Executive hereunder. Accordingly, if it should appear to Executive
that Employer has failed to comply with any of its obligations under this
Agreement or in the event that Employer or any other person takes any action to
declare this Agreement void or unenforceable, or institutes any litigation,
arbitration or other legal action designed to deny, or to recover from
Executive, the benefits intended to be provided to Executive hereunder, Employer
irrevocably authorizes Executive from time to time to retain counsel of his or
her choice, at the expense of Employer as hereafter provided, to represent
Executive in connection with the initiation or defense of any litigation,
arbitration or other legal action, whether by or against Employer or any
director, officer, shareholder or other person affiliated with Employer, in any
jurisdiction. Notwithstanding any existing or prior attorney-client relationship
between Employer and such counsel, Employer irrevocably consents to Executive's
entering into an attorney-client relationship with such counsel, and in that
connection Employer and Executive agree that a confidential relationship shall
exist between Executive and such counsel. Employer shall pay and be solely
responsible for reasonable and necessary attorneys' and related fees and
expenses incurred by Executive as a result of Employer's failure to perform this
Agreement or any provision thereof or as a result of Employer or any person
contesting the validity or enforceability of this Agreement or any provision
thereof as aforesaid, but only if Executive obtains a final legal judgment or
settlement in his or her favor. All fees and expenses due hereunder shall be
paid upon presentation by Executive to Employer of a statement or statements
prepared by such counsel and containing such information and detail as may be
requested by Employer.

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<PAGE>   7

12. Entire Agreement.

         This Agreement supersedes any other agreements, oral or written,
between the parties with respect to the payment of supplemental retirement
benefits by Employer to Executive, and contains all of the agreements and
understandings between the parties with respect to such supplemental retirement
benefits. Any waiver or modification of any term of this Agreement shall be
effective only if it is signed in writing by both parties.

13. Withholding of Taxes.

         Employer may withhold from any amounts payable under this Agreement all
federal, state, city or other taxes as shall be required pursuant to any law or
government regulation or ruling. Executive agrees that in the event employment
taxes become payable on the benefits provided hereunder prior to the time
benefits are paid, the Employer may withhold such taxes from any other amounts
due to Executive.

14. Notices.

         Any notice to be given hereunder by either party to the other may be
made by personal delivery in writing or by mail, registered or certified,
postage prepaid with return receipt requested. Mailed notices shall be addressed
to the parties at the addresses appearing below, but each party may change his
or her or its address by written notice in accordance with this paragraph.
Notices delivered personally shall be deemed communicated as of actual receipt;
mailed notices shall be deemed communicated five (5) days after the date of
mailing.

                If to Employer, addressed to:
                        First Northern Savings Bank, S.A.
                        201 North Monroe Avenue
                        P.O. Box 23100
                        Green Bay, WI  54305-3100
                        Attention: Corporate Secretary

               If to Executive, addressed to:

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

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

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

15. Governing Law.

         This Agreement shall be construed in accordance with and governed by
the laws of the State of Wisconsin and, to the extent applicable, of the United
States.

16. Incapacity.

         If Employer shall reasonably and in good faith find that any person to
whom any payment is payable under this Agreement is unable to care for his or
her affairs because of illness or accident, or is a minor, any payment due
(unless a prior claim therefor shall have been made by a duly appointed
guardian, committee, or other legal representative) may be paid to the spouse, a
child, a parent, or a brother or sister, or to any person reasonably and in good
faith deemed by Employer to have incurred expense for such person otherwise
entitled to payment in such manner and proportions as Employer may determine in
its sole discretion. Any such payment shall be a complete discharge of the
liabilities of Employer to make such payment to Executive.

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<PAGE>   8

17. Waivers.

         The waiver by any party of any breach, default, misrepresentation or
breach of warranty or covenant in this Agreement, whether intentional or not,
shall be in writing and shall not be deemed to extend to any prior or subsequent
breach, default, misrepresentation or breach of warranty or covenant herein and
shall not affect in any way any rights arising by virtue of any such prior or
subsequent occurrence.

18. Severability.

         In case any one or more of the provisions contained in this Agreement
should be invalid, illegal, or unenforceable in any respect, the validity,
legality and enforceability of the remaining provisions contained in this
Agreement shall not in any way be affected or impaired thereby.

19. Remedies Cumulative.

         Remedies under this Agreement of any party hereto are in addition to
any remedy or remedies to which such party is entitled or may become entitled at
law or in equity.

20. Counterparts.

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

21. Headings.

         The headings in this Agreement are for convenience of reference only,
and under no circumstances should they be construed as being a substantive part
of this Agreement nor shall they limit or otherwise affect the meaning thereof.

22. Additional Documents.

         Each of the parties hereto, without further consideration, agrees to
execute and deliver such additional documents and to take such other actions
reasonably necessary to more effectively consummate the purposes of this
Agreement.

         IN WITNESS WHEREOF, the parties have executed this Supplemental
Retirement Agreement as of the day and year first above written.

                                FIRST NORTHERN SAVINGS BANK, S.A.

                                --------------------------------------
                                By: Michael D. Meeuwsen,
                                    President and CEO

                                Attest:
                                       -------------------------------
                                       Marla J. Carr, Secretary

                                --------------------------------------
                                Executive

                                       -8-

<PAGE>   9

                             BENEFICIARY DESIGNATION

         Pursuant to Section 3 of this Agreement, I direct that in the event of
my death any benefits which remain payable shall be paid or payable to the
following individual or trust, or to the following individuals or trusts in
equal shares:
<TABLE>
<CAPTION>
Beneficiary
Name(s)                     Relationship      Address                         S.S. No.
-----------                 ------------      -------                         --------

<S>                         <C>               <C>                             <C>
---------------------       ------------      --------------------------      ------------
---------------------       ------------      --------------------------      ------------
---------------------       ------------      --------------------------      ------------
---------------------       ------------      --------------------------      ------------
</TABLE>

         If I have designated more than one individual or trust as Beneficiary
above, and if one or more but not all fail to survive me, then the share(s) of
those designated who do not survive me shall be paid or payable [check one]:

         [ ] to their respective heirs then living, by right of representation.

         [ ] to those designated individuals who do survive me, in equal shares.

         [ ] not applicable.

                                          ------------------------------------
                                          Executive

                                          Date:
                                               -------------------------------

                                       -9-<PAGE>   1

                                                                EXHIBIT 10.11(b)
                                                                  BKMU 2000 10-K

              AMENDMENT NO. 1 TO SUPPLEMENTAL RETIREMENT AGREEMENT

         This Amendment No. 1 to Supplemental Retirement Agreement ("Amendment
No. 1") is made and entered into as of this 20th day of September, 1995, by and
between First Northern Savings Bank, S.A., a Wisconsin chartered capital stock
savings and loan association (hereinafter referred to as "Employer"), and
____________ (hereinafter referred to as "Executive").

         WHEREAS, Executive and Employer entered into a Supplemental Retirement
Agreement dated as of January 1, 1994 (the "Agreement"), which remains in effect
at the date hereof; and

         WHEREAS, Employer is currently in the process of reorganizing into the
holding company form of ownership, upon completion of which First Northern
Capital Corp. ("Holding Company") will own all of the outstanding stock of
Employer and each stockholder of Employer will become a stockholder of Holding
Company with the same respective ownership interest therein as held in Employer
immediately prior to consummation of the transaction (the "Reorganization"); and

         WHEREAS, as a result of the Reorganization, Employer and Executive wish
to ensure that the change in control provisions contained in the Agreement
equally apply to Holding Company as they currently do to Employer.

         NOW, THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged by Executive and Employer, the
parties hereto hereby agree as follows:

         1.       Amendments to Agreement.  The Agreement is hereby amended as
follows:

         (a)      Section 1.4 of the Agreement is amended in its entirety to
read as follows:

         "Change in Control.  A "Change in Control" shall mean the occurrence of
any of the following events:

                  (a)      A Change of Directors, which shall be deemed to have
occurred if, during any period of two (2) consecutive years: (i) the
individuals, who at the beginning of any such period constituted the directors
of Employer and persons who become directors after nomination by the Board of
Directors, or a committee thereof, of the Employer, cease for any reason to
constitute at least a majority thereof, or (ii) the individuals, who at the
beginning of any such period constituted the directors of First Northern Capital
Corp. ("Holding Company") and persons who become directors after nomination by
the Board of Directors, or a committee thereof, of Holding Company, cease for
any reason to constitute at least a majority thereof;

                  (b)      There is a Successor of or to Employer or Holding
 Company;

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<PAGE>   2

                  (c)      The filing of Employer or Holding Company of a report
or proxy statement with the Office of Thrift Supervision ("OTS"), the Federal
Deposit Insurance Corporation, the Securities and Exchange Commission or other
appropriate federal regulatory agency disclosing in response to Item 1 of Form
8-K or Item 5 of Part II of Form 10-Q, each promulgated pursuant to the
Securities Exchange Act of 1934, as amended ("Exchange Act"), or Item 6(e) of
Schedule 14A promulgated thereunder, or comparable or successor Forms, Schedules
or Items of the appropriate federal regulatory agency, that a Change in Control
of Employer or Holding Company has or may have occurred pursuant to any contract
or transaction; or

                  (d)      The determination that any individual, group of
persons, partnership, corporation or other organization has acquired "control"
of Employer or Holding Company as defined in Section 574.4 of the Rules and
Regulations issued by the OTS under the Home Owners' Loan Act as amended (the
"Regulations") or other comparable rule or regulation of the appropriate federal
regulatory agency; provided, however, that if such individual, group of persons,
partnership, corporation or other organization, or any of them, shall be
required to file an application with the OTS (or other appropriate federal
regulatory agency) as required by Section 574.3 of the Regulations (or other
comparable rule or regulation promulgated by the appropriate federal regulatory
agency) as a condition to their acquisition of title of any of such voting
securities, the acquisition of such control for purposes of this paragraph (d),
of such voting securities shall not be deemed to have occurred until the OTS (or
other appropriate federal regulatory agency) shall have given its approval."

         (b)      Section 1.6 of the Agreement is amended in its entirety to
read as follows:

         "'Successor' shall mean any successor in interest, including without
limitation, any entity, individual or group of persons acquiring directly or
indirectly all or substantially all of the business or assets of Employer or
Holding Company whether by sale, merger, consolidation, reorganization or
otherwise."

         (c)      The first sentence of Section 10(a) of the Agreement is
amended in its entirety to read as follows:

         "In the event that the benefits payable to the Executive under this
Agreement or any other payments or benefits received or to be received by the
Executive from the Employer (whether payable pursuant to the terms of any plan,
agreement or arrangement with the Employer) or any corporation ("Affiliate")
affiliated with the Employer within the meaning of Section 1504 of the Internal
Revenue Code of 1986, as amended (the "Code"), in the opinion of tax counsel
selected by the Employer's independent auditors and acceptable to the Executive,
constitute "parachute payments" within the meaning of Section 280G(b)(2) of the
Code, and the present value of such "parachute payments" equals or exceeds three
(3) times the average of the annual compensation payable to the Executive by the
Employer (or an Affiliate) and includible in the Executive's gross income for
federal income tax purposes for the five (5) calendar years preceding the year
in which a change in ownership or control of the Employer or Holding Company
occurred ("Base Amount"), such benefits under this Agreement shall be reduced to
an amount the present value

                                      -2-

<PAGE>   3

of which (when combined with the present value of any other payments or benefits
otherwise received or to be received by the Executive from the Employer (or an
Affiliate) that are deemed "parachute payments") is equal to 2.99 times the Base
Amount, notwithstanding any other provision to the contrary in this Agreement."

         2.       Effective Date of Amendment No. 1.  This Amendment No. 1 shall
be effective immediately upon execution by the parties hereto; however,
Executive hereby acknowledges and agrees that the Reorganization shall not
constitute a "change in control" of Employer or Holding Company for any purpose
under the Agreement, as amended by this Amendment No. 1.

         3.       Continuance of Agreement.  Other than as amended herein, all
of the provisions of the Agreement shall remain in full force and effect.

         IN WITNESS WHEREOF, the parties have executed this Amendment No. 1 to
Supplemental Retirement Agreement as of the day and year first above written.

FIRST NORTHERN SAVINGS BANK, S.A.

By:
    ------------------------------
    Michael D. Meeuwsen, President
    and Chief Executive Officer

Attest:

----------------------------------
Marla J. Carr, Secretary

[Executive]

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

                                      -3-

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