Exhibit 10.5

                        SYNOPSIS OF COMPUTER SERVICE CONTRACT


Agreement dated December 12, 1996 (The Agreement) between FISERV SOLUTIONS, 
INC. a Wisconsin corporation d/b/a as Fiserv CIR ("Fiserv") and First 
National Bancorp, Inc. a bank holding company. ("Client").

Fiserv and Client hereby agree as follows:

   1.  TERM: The initial term of this Agreement shall be five (5) years and, 
       unless written notice of non-renewal is provided by either party at 
       least 180 days prior to expiration of the initial term or any renewal 
       term, this Agreement shall automatically renew for a renewal term of 
       one (1) year. This Agreement shall commence on the earliest day the 
       Fiserv Services are first used by Client.

   2.  SERVICES: Fiserv, itself and through its affiliates, agrees to provide 
       Client, and client agrees to obtain from Fiserv the services and 
       products in the Exhibits listed below:

       Exhibit A - Account Processing Services
       Exhibit E - Equipment
       Exhibit F - Software Products

       The Exhibits set forth specific terms and conditions applicable to the 
       Service and/or Products and where applicable, the Fiserv affiliate 
       performing the Services and/or Products.

         (a)  Conversion Services: Fiserv will convert existing applicable 
              Client data files to the Fiserv Services.
         (b)  Training Services: Fiserv shall provide training, training 
              aids, user manuals, and other documentation for Client's use as 
              Fiserv, deems necessary to enable Client personnel to become 
              familiar with Fiserv Services.
         (c)  Network Support Services: At Clients request, Fiserv shall 
              provide Network support Services consisting of communication
              line monitoring and diagnostic equipment and support personnel 
              to discover, diagnose and report line problems to the 
              appropriate telephone company.

   3.  FEES FOR FISERV SERVICES: General: Client agrees to pay Fiserv the fees 
       for the Fiserv Services specified in the Exhibits. Fees for Fiserv 
       Services may be increased from time to time as set forth in the 
       applicable Exhibit. The estimated monthly fee is $85,943.

         (a)  Additional Charges: Fees for pass through expenses such as 
              telephone, microfiche, courier, and other charges incurred by 
              Fiserv for goods and services obtained by Fiserv on the Client's
              behalf shall be billed to Client at cost plus the applicable 
              Fiserv service fee.
         (b)  Payment Terms: Fees for Fiserv Services are due and payable 
              monthly upon receipt of invoice. Such invoice will contain:
                i)   Estimated fees for the following month services
                ii)  Estimated out of pocket charges for the following month 
                     payable by Fiserv for the Client.
                iii) Estimated sales or other taxes thereon.

   4.  TERMINATION: Either party may terminate this Agreement in the event of 
       a material breach by the other party not cured within ninety (90) 
       days-following written notice stating, with reasonable detail the 
       nature of the claimed breach. If arbitration is required to solve any 
       disputes between parties, the proceedings to resolve the disputes will 
       be held in the State of Illinois.