On  September  30,  1997,  MetroBank  and  Phoenix  Home  Life  Mutual
Insurance  Company entered into the first amendment of a  lease  dated
October  11, 1993, with respect to leased office space.  A summary  of
the amendment is provided below.

Lessee:                  MetroBank
Location:                10333 N. Meridian St., Suite 111, Indianapolis, IN
Purpose:                 Retail Banking Office
Space:                   4,992 Rentable Square Feet
Commencement Date:       April 1, 1998
Expiration Date:         March 31, 2005