EXHIBIT 10(n)(i)

UST

                                   AMENDMENT

     This Agreement amends the First Amended and Restated  Employment  Agreement
between  Neal F.  Finnegan  and UST Corp.  dated as of the 21st day of November,
1995 (the "Employment Agreement").  All capitalized terms used in this Agreement
shall have the  meaning  ascribed  to them in the  Employment  Agreement  unless
otherwise provided herein.

    1.   The original term of the Employment  Agreement is hereby  extended such
         that it shall expire on January 4, 2000.

    2.   The Employee's  base salary is hereby  increased  effective  January 1,
         1997, to a rate of $480,000 per annum.

    3.   In addition to the stock options previously granted the Employee as set
         forth in  Section  II of the  Employment  Agreement,  the  Employee  is
         granted on January 2, 1997, a total of 50,000 stock  options  under the
         Plan, priced at fair market value at the close of trading on January 2,
         1997, as reported by the Wall Street  Journal (the  "Exercise  Price").
         The  options  shall  vest as  follows:  (i) one third of the  shares on
         January  2, 1997;  (ii) one third on the  earlier of January 2, 1998 or
         the first  trading day on which the closing  price of UST Common  Stock
         shall have  equaled or exceeded  for ten  consecutive  trading days the
         Exercise Price plus Three Dollars ($3.00);  and (iii) the last third on
         the  earlier of January 2, 1999 or the first  trading  day on which the
         closing  price of UST Common  Stock shall have  equaled or exceeded for
         ten  consecutive  trading  days the  Exercise  Price  plus Six  Dollars
         ($6.00).

    4.   In  addition  to shares of  Restricted  Stock  previously  granted  the
         Employee as set forth in Section II of the  Employment  Agreement,  the
         Employee  is  granted  on  January  2,  1997 a total  10,800  shares of
         Restricted Stock under the plan which shall vest on January 2, 1999, in
         accordance with the Plan.

    5.   The options and  Restricted  Stock  granted to the Employee  under this
         Agreement   shall  vest  in  accordance  with  Section  VIIIC.  of  the
         Employment Agreement in the event of a Change of Control.

    6.   Except as expressly modified herein, the Employment Agreement,  and all
         of its terms and provisions, shall remain in full force and effect.


UST Corp.
40 Court Street. Boston. Massachusetts 02108
(617) 726-7000 Telex 951494 UST BSN



     Intending to be legally bound, the parties have signed this Agreement as of
the 17th day of December, 1996.

UST CORP:
By:    /s/ William Schwartz
       ------------------------
       William Schwartz
Title: Chairman of the Board


       /s/ Neal F. Finnegan
       ------------------------
       Neal F. Finnegan