EXHIBIT 10(o)(x)

                                    AMENDMENT

     This Agreement  amends the First Amended  Executive  Exmployment  Agreement
between the  Employee and UST Corp.  dated as of the 1st day of  February,  1996
(the "Employment Agreement"). All capitalized terms used in this Agreement shall
have the meaning  ascribed to them in the Employment  Agreement unless otherwise
expressly provided herein.

1.      Section  6.d.i and Section 6.e of the  Employment  Agreement  are hereby
        amended to provide that, in addition to base salary payable  thereunder,
        the  Employee  shall be paid an  amount  equal to the  bonus  which  the
        Employee  earned for  performance  during the calendar year  immediately
        preceding the year in which termination occurs.

2.      Section  6.g.i(1)  of the  Employment  Agreement  is hereby  amended  to
        provide  that,  in  addition  to base  salary  payable  thereunder,  the
        Employee  shall be paid an amount equal to two (2) times the bonus which
        the Employee earned for performance during the calendar year immediately
        preceding the year in which termination occurs.

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

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

UST CORP:
By: s/
      ------------------------------
           Neal F. Finnegan
Title: President and Chief Executive Officer

EMPLOYEE:

s/
 -----------------------------------
Employee

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