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                                  EXHIBIT 10.7






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                                    AGREEMENT

         This Agreement made this 16th day of February, 1999, by and between,
EVANS NATIONAL BANK, a New York Banking Corporation, with offices located at
14-16 N. Main Street, Angola 14006, hereinafter referred to as "Bank", and,
RICHARD M. CRAIG, an employee of said Bank, hereinafter referred to as
"Participant".

         WHEREAS, the parties previously entered into a Supplemental Executive
         Retirement Plan (SERP), dated March 29, 1995; and

         WHEREAS, the parties now wish to amend said Plan.

         NOW, THEREFORE, it is mutually agreed as follows:

         1.       ARTICLE II "BENEFIT" is hereby amended as follows:

                  SECTION 2.1 DEFINED CONTRIBUTION EXCESS BENEFIT

                                    (A) The excess benefit has been determined
                           to be the amount of $92,776.00 paid annually for the
                           term of twenty (20) years certain.

                                    It shall be payable under conditions
                           identical as to vesting, conditions and terms of
                           payment and all other matters, to the benefit payable
                           by The Evans National Bank Pension Plan, (except the
                           benefit from this plan will not be paid in the form
                           of a lump sum and the benefit will not commence prior
                           to the first day of the month coincident with or next
                           following the individual's 65th birthday).

                                    (B) In the event the Participant dies prior
                           to attaining sixty-five (65) years of age, annual
                           payments will be made to Participant's named
                           beneficiary in the amount of $92,776.00 for ten (10)
                           consecutive years commencing thirty (30) days after
                           the Participant's date of death.

                  SECTION 2.3 BENEFIT ON TERMINATION BEFORE RETIREMENT AT AGE 65

                                    This paragraph will remain the same, except
                  that the figure "$63,882.00" will be replaced by the figure
                  "$92,776.00".

         2. ARTICLE III "MISCELLANEOUS" is hereby amended as follows:

                  SECTION 3.11 ADMINISTRATION IS RENUMBERED SECTION 3.12


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                  NEW SECTION 3.11 "REIMBURSEMENT OF ATTORNEY'S FEES" is added:

                                    In the event the Bank ownership changes and
                  Participant is denied benefits under this Plan and Participant
                  is required to retain legal counsel to secure said benefits,
                  Participant shall be entitled to reimbursement of reasonable
                  legal fees incurred in the pursuit of said benefits. Bank
                  shall reimburse Participant no later than five (5) days after
                  submission of an invoice for said fees from an attorney
                  admitted to practice Law in the State of New York or such
                  other state as may be required because of ownership of the
                  Bank by an out-of-state corporation

         2.       All terms and conditions of the aforementioned Agreement not
                  specifically changed herein, shall remain the same and are
                  hereby ratified and affirmed as if set forth fully herein.

         IN WITNESS WHEREOF, the parties have hereunto set their hands the day
and year first above written.

                                            EVANS NATIONAL BANK

                                            BY: /s/Richard M. Craig
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                                            RICHARD M. CRAIG, CHAIRMAN

                                            PARTICIPANT:

                                            /s/Richard M. Craig
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                                            RICHARD M. CRAIG

Attest:

/s/Robert Allen
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Robert Allen, Secretary