Exhibit 10.31

          Fifteenth Amendment to Data Processing Agreement dated January 1,
          1998, by and between ALLTEL Information Services, Inc. (formerly
          Systematics Financial Services, Inc.) and Brenton Bank (formerly
          Brenton Bank Services Corporation).  This Fifteenth Amendment to Data
          Processing Agreement is incorporated by reference from Form 10-K of
          Brenton Banks, Inc. for the year ended December 31, 1998.
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