Exhibit 10.3

          Summary of the Trust Division Bonus Plan under which one of the
          policymakers of the Parent Company is eligible to receive a
          bonus each year.
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1995 TRUST DIVISION BONUS PLAN

The following is a summary of the Trust Division Bonus Plan for 1995:

A.  The bonus plan covers the President-Trust Division.

B.  The President-Trust Division may earn up to a maximum of 40.0% of base
    compensation.

C.  The bonus amount is earned ratably based on a tiered achievement scale
    relating to net pre-tax earnings of the Trust Division.

D.  The tiered achievement scale is negotiated between the President-Trust
    Division and the Chairman of the Board.
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