Section 11.       Age Limit.

     No person  seventy-two  (72) years of age or above  shall be  eligible  for
election,  reelection,  appointment, or reappointment to the Board of Directors.
No director  shall serve as such  beyond the annual  meeting of the  Corporation
immediately  following  the director  becoming age  seventy-two  (72).  This age
limitation does not apply to an advisory director or director emeritus.