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                           Exhibit 4
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                 AMENDMENT TO ENTERPRISE BANK
              SECOND INCENTIVE STOCK OPTION PLAN

On March 18, 1998 the board approved an amendment to the Second Incentive
Stock Option Plan of Enterbank Holdings, Inc.  Paragraph 4.3, Section 4 to
read as follows:

            "In the event of `change of control' of the Company, as such term
            is defined under the regulations of the Securities and
            Exchange Commission, all shares of Common Stock which may
            be purchased pursuant to an Option shall be deemed fully
            vested and available for purchase."





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