EXHIBIT 10.6


                                   AMENDMENT
                 TO THE WILSON BANK AND TRUST EXECUTIVE SALARY
                             CONTINUATION AGREEMENT
                            DATED SEPTEMBER 16, 1996

        This Amendment, made and entered into this 1st day of January, 2001, by
and between Wilson Bank and Trust, a Bank organized and existing under the laws
of the State of Tennessee, hereinafter referred to as the "Bank", and Larry
Squires, a Key Employee and Executive of the Bank, hereinafter referred to as
the "Executive", shall effectively amend the Wilson Bank and Trust Executive
Salary Continuation Agreement dated September 16, 1996, as specifically set
forth herein pursuant to paragraph 17 of said agreement. Said agreement shall be
amended as follows;

1.) To delete the amount of Twenty Two Thousand Three Hundred and 00/100 Dollars
($22,300.00) in subparagraph 4(a) and replace it with the following language:
"... Sixty percent (60%) of the Executive's salary and bonus at the time of
retirement less Fifty percent (50%) of Executive's social security, and Bank's
portion of 401(k) and profit sharing...,"

2.) To delete the amount of Twenty Two Thousand Three Hundred and 00/100 Dollars
($22,300.00) in paragraph 5 and replace it with the following language:
"... Sixty percent (60%) of the Executive's salary and bonus at the time of
death less Fifty percent (50%) of Executive's social security, and Bank's
portion of 401(k) and profit sharing ..."

3.) To delete the amount of Twenty Two Thousand Three Hundred, and 00/100
Dollars ($22,300.00) in paragraph 6 and replace it with the following language:
"... Sixty percent (60%) of the Executive's salary and bonus as if the
Executive had been employed by the Bank until retirement less Fifty percent
(50%) of Executive's social security, and Bank's portion of 401(k) and profit
sharing."

4.) To add the following language at the end of subparagraph 7(a): "The salary
and bonus for purposes of calculating the benefit under this paragraph shall be
the Executive's salary and bonus at the time of termination."

         This Amendment shall be effective the 16th day of September, 1996, and
the terms referred to hereinabove shall supercede the terms of the September 16,
1996 agreement. To the extent that any paragraph, term, or provision of said
agreement is not specifically amended herein, or in any other amendment thereto,
said paragraph, term, or provision shall remain in full force and effect as set
forth in said agreement.

         IN WITNESS WHEREOF, the parties hereto acknowledge that each has
carefully read this Amendment and executed the original thereof on the 27th day
of February, 2001, and that upon execution, each has received a conforming copy.



                                             WILSON BANK AND TRUST
                                             Lebanon, Tennessee

 /s/ Lisa T. Towell                        By: /s/ Randall Clemons, President
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Witness                                                             Title

 /s/ Becky F. Taylor                           /s/ Larry Squires
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Witness                                       Larry Squires