Exhibit 10.28

Twelfth Amendment to Data Processing Agreement dated July 1, 1995, by and 
between ALLTEL Information Services, Inc. (formerly Systematics, Inc. and 
Systematics Financial Services, Inc.) and Brenton Bank (formerly Brenton Bank 
Services Corporation).  This Twelfth Amendment to Data Processing Agreement is 
incorporated by reference from Form 10-Q of Brenton Banks, Inc. for the 
quarter ended September 30, 1995.
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