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                           EXHIBIT 3
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                           AMENDMENT
                            BY-LAWS
                   ENTERBANK HOLDINGS, INC.

   BE IT RESOLVED, that the BY-LAWS of Enterbank Holdings, Inc. is hereby
amended so that ARTICLE II thereof shall read in its entirety as follows:

                          ARTICLE II

   Section 1:     Time and Place  All meetings of the stockholders for the
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election of Directors or for any other purpose shall be held at such time and
place, within or without the State of Missouri, as shall be designated by the
Board of Directors.  In the absence of any such designation by the Board of
Directors, each such meeting shall be held at the principal office of the
Corporation.

   Section 2:     Annual Meetings  An annual meeting of stockholders shall be
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held for the purpose of electing Directors and transacting such other
business as may properly be brought before the meeting.  The date of the
annual meeting shall be determined by the Board of Directors.


   DATE ADOPTED: March 18, 1998

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