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                                                                 EXHIBIT (10)(S)
                             FIRST AMENDMENT TO THE
                          FIRST BANCORPORATION OF OHIO
                     EXECUTIVE SUPPLEMENTAL RETIREMENT PLAN


         FIRST BANCORPORATION OF OHIO (the "Company") hereby adopts
this First Amendment to the First Bancorporation of Ohio Executive
Supplemental Retirement Plan, effective as of November 1, 1993.

                                R E C I T A L S:

         A.  The Company adopted the First Bancorporation of Ohio
Executive Supplemental Retirement Plan (the "Plan") effective as of
February 13, 1987.

         B.  Section 9.07 of the Plan provides that the Company may
amend the Plan at any time and from time to time.

         C.  The Company desires to amend the Plan to revise the
distribution provisions of the Plan to restrict the availability of
alternative distribution forms.

         IN CONSIDERATION OF THE FOREGOING, the Company hereby amends
the Plan, effective as of November 1, 1993, as follows:

         1.  Except as otherwise expressly provided, capitalized terms
used in this Amendment shall have the same meanings as those
ascribed to them in the Plan.

         2.  The following sentences are added to Section 4.04 of the
Plan:

         Notwithstanding the preceding sentence, an election made
         by a Member under the Qualified Plan with respect to the
         form of payment of his benefits under the Qualified Plan
         shall not be effective with respect to the form of
         payment of his Monthly Retirement Income under this Plan
         unless such election is expressly approved in writing by
         the Committee.  If the Committee shall not approve such
         election in writing, then the form of payment of the
         Member's Monthly Retirement Income under this Plan shall
         be selected by the Committee in its sole discretion.





                                                                           
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         3.  Except as expressly provided in this Amendment, the
remaining terms and conditions of the Plan shall remain in full
force and effect.

                 IN WITNESS WHEREOF, First Bancorporation of Ohio has
caused this Plan to be duly executed and adopted this ____ day of
November, 1993.


                                                    First Bancorporation of Ohio



                                                    
Attest:/s/ Terry E. Patton                             By:/s/ Howard L. Flood
       ----------------------------                       ----------------------------
         Secretary
                                                       Its: President & Chief
                                                            Executive Officer