EXHIBIT 10(u)

                              C E R T I F I C A T I O N


     I, Charles P. Hoffman, Jr., do hereby certify that I am the duly elected
Secretary and keeper of the records of Great Lakes National Bank Michigan, a
National Banking Association, and that the following is a true and correct copy
of a resolution unanimously adopted at a regular meeting of the Board of
Directors of the Bank, held in accordance with the Bylaws of the Bank at its
offices at Ann Arbor, Michigan on January 23, 1998.

                [EXTENSION OF ROBERT J. DELONIS EMPLOYMENT AGREEMENT]

     WHEREAS, this Bank is a party to an employment agreement ("Agreement") with
Robert J. Delonis, the Chairman; and

     WHEREAS, the Agreement provides the Chairman with the option to extend the
term of the Agreement for one year from February 9, 1998, to February 8, 1999,
subject to this Board's approval following its review of a formal performance
evaluation of the Chairman conducted by the Board or a committee thereof;

     NOW THEREFORE BE IT RESOLVED, that the Board of Directors has considered
the Chairman's performance evaluation and found that the Chairman has fulfilled
the requirements for his duties as Chairman, including services related to
branch sales, chairing the Board of Directors, financial and business advice,
representation of the Bank in community and industry affairs, and other services
as provided by the Chairman;

     BE IT FURTHER RESOLVED, that the extension of the Chairman's Agreement is
approved for an additional term of one year, from February 9, 1998, to February
8, 1999.


     IN WITNESS WHEREOF, I have hereunto subscribed my name and affixed the seal
of this Bank today, March 23, 1998.



                                          /s/ Charles P. Hoffman
                                          ---------------------------------
                                              Charles P. Hoffman, Jr., Secretary