EXHIBIT 10.16

                     OFFICERS' AND DIRECTORS' DEFERRAL PLAN
                    DEFFERRAL AND DISTRIBUTION ELECTION FORM

NAME OF PLAN: Evans National Bank Deferred Compensation Plan for Officers and
Directors

Please complete the following accurately and with a BALLPOINT PEN; PRINT
CLEARLY. The information you provide should be current as of the date the form
is completed. All participants who have fulfilled the eligibility requirements
to participate in the plan must complete all sections of the form.

SECTION I. - GENERAL INFORMATION (Please complete and review and correct any
information as needed.)


                                                                               
___________________________    __________________________    _______________________    ______________________
Last Name                      First Name                    Middle Initial             Sex (M or F)
___________________________    __________________________    _______________________    ______________________
Social Security Number         Date of Birth                 Employee #                 Date of Hire
                               (mmddyy)                      (If applicable)            (mmddyy)
___________________________    __________________________
Home Phone                     Work Phone
______________________________________________________________________________________________________________
Street Address

______________________________________________________________________________________________________________
Mailing Address

_________________________________________________________    _______________________    ______________________
City                                                         State                      Zip


SECTION II. - DEFERRAL ELECTION (Check Yes & fill in % or check No.)

_____ YES, I want to make a pre-tax deferral contribution to the Plan. I
      authorize the Bank to deduct the following percentage (no more than 100%)
      of my compensation from each paycheck and to credit that amount to pre-tax
      deferral portion of my Account.

      ______ Fee/Salary (if applicable)

      ______ Bonus (if applicable)

      ______ Other

______ NO, I do not wish to contribute to the Plan at this time.

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SECTION III. - DISTRIBUTION ELECTION

I hereby designate a one time election to have any distribution of the balance
in my Deferred Compensation Account paid to me in installments as designated
below:

      ______ One lump sum;

      ______ Five (5) annual installments and with the amount of each
             installment determined as of each installment date by dividing the
             entire amount in my Deferred Compensation Account by the number of
             installments then remaining to be paid, with the final installment
             to be the entire remaining balance in the Deferred Compensation
             Account;

      ______ Ten (10) annual installments with the amount of each installment
             determined as of each installment date by dividing the entire
             amount in my Deferred Compensation Account by the number of
             installments then remaining to be paid, with the final installment
             to be the entire remaining balance in the Deferred Compensation
             Account; or;

      ______ Fifteen (15) annual installments with the amount of each
             installment determined as of each installment date by dividing the
             entire amount in my Deferred Compensation Account by the number of
             installments then remaining to be paid, with the final installment
             to be the entire remaining balance in the Deferred Compensation
             Account.

If a distribution election is not made herein, then the benefit shall be paid in
ten (10) annual installments as set forth herein.

SECTION IV. - AUTHORIZATION

I authorize the Bank to effect the elections specified on this Deferral,
Investment, and Distribution Election form. Any modification or revocation of
this Distribution Election as elected by the participant in the signed written
statement must be in writing, at least twelve (12) months prior to the date of
the first scheduled payment and shall not be effective earlier than twelve (12)
months after the modification is made. Additionally, such modification shall
extend the deferral period for a period of at least five (5) additional years
from the date the distribution was scheduled to begin. I understand that my
elections will remain in effect until I submit a change according to the
provisions of the Plan. Any modification to accelerate the distribution is
prohibited.

___________________________________________         _________________
Participant                                         Date

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