AMENDMENT TO EMPLOYMENT AGREEMENT

     WHEREAS,  Mid-Continent  Federal  Savings  Bank (the "Bank") and Richard T.
Pottorff (the "Employee")  previously entered into an Employment  Agreement (the
"Agreement") dated March 21, 1995, and

     WHEREAS,  Section 14 of this  Agreement  provides  that  amendments to this
Agreement may be made in writing and signed by both parties,

     NOW THEREFORE, BE IT RESOLVED that the Agreement be amended by adoption and
execution of this Amendment to the Agreement as follows.

      1.  Revision to Section 4 of the  Agreement by inclusion of the  following
          phrase at the end of Section 5 as follows:

          "Notwithstanding  anything herein to the contrary, the expiration date
          of the term of this Agreement shall be as of June 27, 1998,  except as
          may be extend  beyond that date by future  action of the Board  within
          its sole discretion in accordance with this Agreement."


     As Secretary to the Bank, I hereby certify that the foregoing Amendment was
adopted and  ratified by a majority  vote of a meeting of the Board of Directors
of the Bank, held on June 27, 1996, a quorum being present.


                                    /s/Cheryl Wilkerson                 
                                    Cheryl Wilkerson, Secretary

SEAL

     IN WITNESS  WHEREOF,  the parties to the Agreement dated March 21, 1995, do
hereby execute this Amendment to the Agreement on this 27 th day of June 1996.


                                          Mid-Continent Federal Savings Bank

                                    By:   /s/Ken Dellett           
                                          -------------------------     
                                          Kenneth B. Dellett



                                          /s/Richard T. Pottorff     
                                          -----------------------------   
                                          Richard T. Pottorff, Employee
 
ATTEST:


/s/Cheryl Wilkerson           
Cheryl Wilkerson, Secretary