EXHIBIT 10.5

             THE FARMERS NATIONAL BANK OF EMLENTON CORPORATE BANKING
                           INCENTIVE PROGRAM (SUMMARY)

The Farmers National Bank of Emlenton Corporate Banking Incentive Program
provides incentive compensation for the Bank's commercial loan officers. Primary
emphasis is placed on new loan production, loan portfolio growth and customer
retention, deposit growth, and profitability. Key performance factors include
account management, credit quality, and loss experience.

Pursuant to this plan, commercial loan officers are rewarded with quarterly
incentive payments for commercial loan production (based on new loan volume for
new and existing customers), portfolio growth and fee income. In addition,
annual incentives are rewarded for the attainment of individual portfolio growth
goals, departmental growth goals, deposit growth and profitability. To be
eligible, commercial loan officers are evaluated utilizing a number of
performance factors including account management, credit quality and loss
experience.

The plan is administered by the Human Resources Committee and reviewed annually
by the Committee with any changes being recommended to the full Board of
Directors of the Bank for approval.