Citizens Bancorp Watch

from 10-K ~50 pages Employee Stock Ownership Plan and Trust Agreement

from S-1/A 1 page Second Amendment of the Executive Supplemental Retirement Agreement of Cindy Chambers This Second Amendment, Dated as of the 23rd Day of July, 1997, Hereby Amends the Executive Supplemental Retirement Agreement Between Cindy Chambers and Citizens Savings Bank of Frankfort Dated as of January 1, 1993, as Amended Prior to the Date Hereof (The "Agreement"). Effective as of the Date Hereof, the Term "Executive" in Sections 10.1(5)(i) and (II) Shall Be Replaced With the Phrase "Director of the Office of Thrift Supervision or His Successor in Interest" in Each Place It Appears. in Witness Whereof, the Parties Have Executed This Amendment as of the Day and Year Written Above. Cindy Chambers Citizens Savings Bank of Frankfort By: Fred W. Carter, President -1

from S-1/A 1 page Second Amendment of the Executive Supplemental Retirement Agreement of Steve Davis This Second Amendment, Dated as of the 23rd Day of July, 1997, Hereby Amends the Executive Supplemental Retirement Agreement Between Steve Davis and Citizens Savings Bank of Frankfort Dated as of January 1, 1993, as Amended Prior to the Date Hereof (The "Agreement"). Effective as of the Date Hereof, the Term "Executive" in Sections 10.1(5)(i) and (II) Shall Be Replaced With the Phrase "Director of the Office of Thrift Supervision or His Successor in Interest" in Each Place It Appears. in Witness Whereof, the Parties Have Executed This Amendment as of the Day and Year Written Above. Steve Davis Citizens Savings Bank of Frankfort By: Fred W. Carter, President -1

from S-1/A 1 page Second Amendment of the Executive Supplemental Retirement Agreement of Fred W. Carter This Second Amendment, Dated as of the 23rd Day of July, 1997, Hereby Amends the Executive Supplemental Retirement Agreement Between Fred W. Carter and Citizens Savings Bank of Frankfort Dated as of January 1, 1993, as Amended Prior to the Date Hereof (The "Agreement"). Effective as of the Date Hereof, the Term "Executive" in Sections 10.1(5)(i) and (II) Shall Be Replaced With the Phrase "Director of the Office of Thrift Supervision or His Successor in Interest" in Each Place It Appears. in Witness Whereof, the Parties Have Executed This Amendment as of the Day and Year Written Above. Fred W. Carter Citizens Savings Bank of Frankfort By: Stephen D. Davis, Controller -1

from S-1/A 1 page First Amendment of the Director Deferred Compensation Agreement of Fred W. Carter This First Amendment, Dated as of the 23rd Day of July, 1997, Hereby Amends the Director Deferred Compensation Agreement Between Fred W. Carter and Citizens Savings Bank of Frankfort Dated as of January 1, 1993 (The "Agreement"). Effective as of the Date Hereof, the Words "(Except Vested Rights)" Shall Be Deleted From Section 11.1(2) of the Agreement, and the Word "Director" in Section 11.1(5)(i) and (II) Shall Be Replaced With the Phrase "Director of the Office of Thrift Supervision, or His Successor in Interest" in Each Place It Appears. in Witness Whereof, the Parties Have Executed This Amendment as of the Day and Year Written Above. Fred W. Carter Citizens Savings Bank of Frankfort By: Stephen D. Davis, Controller -1

from S-1/A ~10 pages Employment Agreement With Fred W. Carter

from S-1/A ~10 pages Recognition and Retention Plan and Trust

from S-1/A ~10 pages Stock Option Plan

from S-1 ~20 pages Executive Supplemental Retirement Income Agreement

from S-1 ~20 pages Executive Supplemental Retirement Income Agreement

from S-1 ~20 pages Executive Supplemental Retirement Income Agreement

from S-1 ~10 pages Director Deferred Compensation Agreement

from S-1 ~10 pages Employment Agreement

from S-1 ~50 pages Employee Stock Ownership Plan and Trust Agreement

from S-1 ~10 pages Recognition and Retention Plan and Trust

from S-1 ~10 pages Citizens Bancorp Stock Option Plan

from S-1 ~5 pages Business Plan Proposal