First Bancorp Watch

from 10-K 1 page First Amendment to the First Federal Bank, a F.S.B. Executive Supplemental Retirement Income Agreement Pursuant to Rights Reserved Under Section XI of the First Federal Bank, a F.S.B. Executive Supplemental Retirement Income Agreement (The "Agreement") Entered Into as of July 1, 1993 by First Federal Bank, a F.S.B. (The "Bank") and Mary Lynn Stenftenagel ("Executive") Hereby Agree to Amend Section 1.17 and Section 1.18 of the Agreement Effective as of October 1, 1996 to Provide, in Their Entirety, as Follows: 1.17 "Supplemental Retirement Income Benefit" Means an Annual Amount Equal to Thirty- Five Thousand Nine Hundred Seven Dollars ($35,907). This Total Shall Be Divided by Twelve (12) and Paid in Equal Monthly Installments for a Period of One Hundred Eighty (180) Months. 1.18 "Survivor's Benefit" Means Thirty-Five Thousand Nine Hundred Seven Dollars (35,718) Per Year to Be Paid in One Hundred Eighty (180) Equal Monthly Installments. This First Amendment Has Been Entered Into This 25th Day of March 1997. First Federal Bank, a F.S.B. By: /S/ Frank D. Baracani Frank D. Baracani, President /S/ Mary Lynn Stenftenagel Mary Lynn Stenftenagel, Executive

from 10-K 1 page First Amendment to the First Federal Bank, a F.S.B. Executive Supplemental Retirement Income Agreement Pursuant to Rights Reserved Under Section XI of the First Federal Bank, a F.S.B. Executive Supplemental Retirement Income Agreement (The "Agreement") Entered Into as of July 1, 1993 by First Federal Bank, a F.S.B. (The "Bank") and Frank D. Baracani ("Executive") Hereby Agree to Amend Section 1.17 and Section 1.18 of the Agreement Effective as of October 1, 1996 to Provide, in Their Entirety, as Follows: 1.17 "Supplemental Retirement Income Benefit" Means an Annual Amount Equal to Thirty- Five Thousand Seven Hundred Eighteen Dollars ($35,718). This Total Shall Be Divided by Twelve (12) and Paid in Equal Monthly Installments for a Period of One Hundred Eighty (180) Months. 1.18 "Survivor's Benefit" Means Thirty-Five Thousand Seven Hundred Eighteen Dollars (35,718) Per Year to Be Paid in One Hundred Eighty (180) Equal Monthly Installments. This First Amendment Has Been Entered Into This 27th Day of March 1997. First Federal Bank, a F.S.B. By: /S/ C. James McCormick C. James McCormick Chairman of the Board /S/ Frank D. Baracani Frank D. Baracani, Executive

from 10-K 1 page Director Deferred Compensation Agreements, as Amended and Restated Effective December 31, 1997 for Directors Frank D. Baracani, Donald G. Bell, James William Bobe, Rahmi Soyugenc, Mary Lynn Stenftenagel, and John J. Summers, Are Identical to the Agreement for Robert W. Ballard, Except the Following Sections: Section 1.12 1.17 4.2 5.2(a) Frank D. Baracani $2,103.00 $378,540 $2,103.00 Donald G. Bell 70 $1,079.17 $194,250 $1,079.17 James William Bobe $2,313.25 $416,385 $2,313.25 Rahmi Soyugenc 70 $1,187.08 $213,675 $1,187.08 Mary Lynn Stenftenagel $6,600.17 $1,188,030 $6,600.17 John J. Summers 70 $981.08 $176,595 $981.08

from 10-K ~10 pages Director Deferred Compensation Agreement

from 10-K ~10 pages Director Deferred Compensation Agreement

from 10-K ~10 pages Director Deferred Compensation Agreement

from 10-K ~5 pages Management Incentive Award Plan