Exhibit 10.3.3




                   AMENDMENT NO. TWO TO EMPLOYMENT AGREEMENT


     Amendment No. Two, dated as of November 7, 1995, to Employment Agreement,
dated as of March 1, 1994, amended by Amendment No. One dated as of April 1,
1994, between NORWALK SAVINGS SOCIETY, a capital stock savings bank organized
and existing under the laws of the State of Connecticut with headquarters
located in Norwalk, Connecticut (the "Bank"), and JERE T. DORNEY of Wilton,
Connecticut ("Executive").

                                   RECITALS


     WHEREAS, the Bank and the Executive mutually desire to amend the Employment
Agreement.

     NOW THEREFORE, the parties agree as follows:

     1.   Section 1 of the Agreement shall be amended to provide that the term
of employment shall be extended to March 1, 1999, unless subsequently extended
or sooner terminated as provided in the Agreement.

     2.   This Agreement may be executed in one or more counterparts, all of
which taken together shall constitute one and the same instrument.

     3.   This Amendment No. Two to Employment Agreement shall be construed
pursuant to and in accordance with the laws of the State of Connecticut. The
Agreement shall otherwise remain in full force and effect as originally written,
except that the Change of Control provisions of Section 11 have been and are
superseded by a separate agreement regarding change of control between the
Executive and the Bank.

     IN WITNESS WHEREOF, the parties have executed this Amendment No. Two to
Employment Agreement on the date first above written.

                         NORWALK SAVINGS SOCIETY


                         By 
                            ----------------------------------
                            Chairman of the Board of Directors


                         EXECUTIVE


                            ----------------------------------
                            Jere T. Dorney