AGREEMENT made as of this 17th day of October, 2000 by and between EVANS NATIONAL BANK, with
offices located at 14-16 North Main Street, Angola, New York 14006, hereinafter referred to as the "Bank",
and WILLIAM R. GLASS, an employee of the Bank, hereinafter referred to as the "Participant".
WHEREAS, the parties previously entered into a Supplemental Executive Retirement Plan dated March 28,
1995, as amended by Agreement dated February 16, 1999 (the "SERP"); and
WHEREAS, the parties now desire to further amend the SERP.
NOW THEREFORE, the parties mutually agree as follows:
1. Section 2.1 of Article II "BENEFIT" is hereby amended to read as follows:
Section 2.1 Excess Benefit
(A) The excess benefit has been determined to be the amount of $30,000 per year (the "Excess Benefit") payable
for a term of twenty (20) years certain. Except as otherwise provided in this Agreement, the Excess Benefit shall
be payable monthly under conditions identical as to vesting, condition and terms of payment to the benefit
payable by the Evans National Bank Pension Plan, as amended from time to time (the "Bank Pension Plan")
(except the benefit from this SERP will not be paid in the form of a lump sum and the Excess Benefit will not
commence prior to the first day of the month coincident with or next following the Participant's 65th birthday).
Except as set forth in Section 2.1 (B) or Section 2.3 of the SERP, the Excess Benefit shall only be paid to the
Participant if the Participant's employment is terminated on or after his 65th birthday.
(B) In the event the Participant dies prior to attaining sixty-five (65) years of age, the Excess Benefit will be paid
to the Participant's named beneficiary in the amount of $30,000 per year, payable monthly for twenty (20)
consecutive years commencing thirty (30) days after the Participant's date of death.
2. Section 2.3 of Article II "BENEFIT" is hereby amended to read as follows:
Section 2.3 Benefit on Term