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                                                                 EXHIBIT (10)(R)

                                    ADDENDUM

         THIS ADDENDUM made this 7th day of January, 1994, is an
addendum to the Termination Agreement dated May 1, 1992, by and
between First Bancorporation of Ohio ("Company") and Richard L.
Hardgrove ("Employee").

         WHEREAS, the Company and Employee have entered into a
Termination Agreement to assure adherence to the policy of the
Board of Directors in the event another entity acquires control of
the Company; and

         WHEREAS, the Company and Employee mutually desire to amend the
terms of the Termination Agreement;

         NOW, THEREFORE, for good and valuable consideration, the
Company and Employee hereby agree that the Termination Agreement
shall be amended as follows:

                 (1)     Paragraph 6(b) is hereby amended to read in its
         entirety as follows:

                         "6(b)  If either of the conditions in subparagraph
                 (a) above are satisfied, the compensation and benefits
                 described in subparagraph (c) below shall continue to be
                 paid or provided until the first to occur of:  (1) the
                 expiration of a period of twenty-four (24) Months after
                 the Date of Termination of the Employee's employment by
                 the Company or the Bank or (2) the date as of which the
                 employee obtains comparable employment with another
                 employer.  In no event, however, shall such compensation
                 and benefits continue beyond age sixty-five (65) or the
                 Employee's death, whichever first occurs.  For purposes
                 of this subparagraph (b), the Employee shall be deemed to
                 have obtained "comparable employment" if the annual
                 compensation payable to the Employee with respect to his
                 new position is substantially equivalent to the annual
                 base salary being paid to the Employee by the Company or
                 the Bank at the time that his employment is terminated.
                 Also, for purposes of this Agreement, the term "Month"
                 shall mean a period of thirty (30) days."

                 (2)     Paragraph 6(c)(2) is hereby amended to read in its
         entirety as follows:

                         "6(c)(2) INCENTIVE COMPENSATION.  The Company
                 shall pay to the Employee an incentive award as follows: 
                 (A) on the first anniversary of the Date of Termination of the
                 Employee's employment with the Company or the Bank the Company
                 shall pay an amount equal to the average of the incentive
                 compensation paid to the Employee in the two (2) calendar
                 years immediately preceding the year in which a Change in
                 Control occurs and





                                                                         
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                 (B) on the last day of the twenty-fourth (24th) Month
                 after the Date of Termination of the Employee's
                 employment with the Company or the Bank the Company shall
                 pay an amount equal to the amount paid pursuant to
                 subparagraph (A) above."

                 (3)     Paragraph 9(1) is hereby amended to read in its
         entirety as follows:

                         "9(1)            the last day of the twenty-fourth
                 (24th) Month, as defined in paragraph 6, after a Change in
                 Control occurs; or"

         IN WITNESS WHEREOF, the parties hereto have executed this Addendum on
the date above first written.

                                                    FIRST BANCORPORATION OF OHIO




                                                        
Attest:/s/ Terry E. Patton                                 By:/s/ Howard L. Flood
       --------------------------                             -------------------------------
                                                           Name:           Howard L. Flood
                                                           Title:          President and Chief
                                                                           Executive Officer

                                                           COMPANY


Witness:/s/ Christopher J. Maurer                          /s/ Richard L. Hardgrove
       --------------------------                             -------------------------------
                                                               Richard L. Hardgrove

                                                           EMPLOYEE