AMENDMENT NO. 1 TO EVANS BANK, N.A. AMENDED AND RESTATED SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN

AMENDMENT NO. 1 TO
EVANS BANK, N.A.
AMENDED AND RESTATED
SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN

This Amendment No. 1 (the “Amendment”) to the Evans Bank, N.A. Amended and Restated Supplemental Executive Retirement Plan (the “SERP”) is effective January 1, 2009.

WHEREAS , the parties wish to amend the SERP only with respect to William R. Glass (“Mr. Glass”) in order to change the definition of “Final Average Earnings,” and to provide for a lump sum payment that is the actuarial equivalent to installments paid over 20 years; and

WHEREAS , Section 6.8(A) of the SERP provides that the SERP may be amended by the Board of Directors (“Board”) of Evans National Bank, N.A. (the “Bank”) at time, provided that no amendment shall reduce the accrued benefit of any Participant, determined as of the date of such amendment.

NOW, THEREFORE , the Bank hereby amends the SERP as follows:

1. The following is added after the