1

                                                                   Exhibit 10(n)

                    Ronald Terry Post-Retirement Arrangement

         The following is a written description of action taken by the Human
Resources Committee of the Corporation's Board of Directors concerning an
arrangement which is not set forth in a written document:

         The Human Resources Committee approved the provision of the following
         for Ronald Terry, the former Chairman of the Corporation:  a company
         automobile for three years, future financial counseling and tax
         services and a waiver of Bank service fees.