AGREEMENT

<PAGE>

                                                                    EXHIBIT 10.4

                                   AGREEMENT

     THIS AGREEMENT, made and entered into this 1st day of April, 2004, by and

between WESBANCO BANK, INC., hereinafter referred to as "Bank" and PHILIP R.

TEUSINK, hereinafter referred to as "Employee", and WESBANCO, INC., a West

Virginia corporation, hereinafter referred to as "Wesbanco".

     WHEREAS, Employee is serving as an executive officer of Cornerstone Bank as

of the date hereof and it is anticipated that Cornerstone Bank will be merged

with and into Bank (the "Merger"); and

     WHEREAS, the Bank wishes to assure itself of the Employee's full time

employment and continuing services in an executive capacity.

      WITNESSETH THAT: In consideration of the mutual promises and undertakings

hereinafter set forth, the parties hereto agree as follows:

     1. OFFER OF EMPLOYMENT. The Bank agrees to, and hereby does, continue the

employment of Employee at Bank in an executive capacity. In that capacity,

Employee shall be answerable to the Board of Directors of the Bank and such

other officers of Wesbanco, the parent company of the Bank, as the Board of

Directors of Wesbanco shall direct. Employee shall perform such duties,

compatible with his employment under the Agreement, as the Bank, and Wesbanco,

from time to time may assign to him.

     2. COMPENSATION. As compensation for the performance of the services

specified in Paragraph (1) and the observance of all of the provisions of this

Agreement, the

<PAGE>

Bank agrees to pay Employee, and Employee agrees to accept, the following

amounts and benefits during his term of employment:

          (A) Salary at a rate to be determined by the Board of Directors of the

     Bank, with notice to be given to employee in April of each calendar year,

     but in no event shall Employee's salary be less than Ninety-five Thousand

     Two Hundred Thirty-eight Dollars ($95,238.00) per year, plus any increases

     granted by the Board of Directors after the date hereof, and payable in

     equal biweekly installments; and

          (B) Such other miscellaneous benefits and perquisites as the Bank

     provides to its executive employees generally.

     3. ACCEPTANCE OF EMPLOYMENT. Employee accepts the employment provided for

herein, at the salary set forth above, and agrees to devote his talents and best

efforts to the diligent, faithful, and efficient discharge of the duties of his

employment, and in furtherance of the operations and best interests of Bank, and

observe and abide by all rules and regulations promulgated by Bank for the

guidance and direction of its employees and the conduct of its business,

operations, and activities.

     4. TERM OF AGREEMENT. The employment term provided for herein shall consist

of a term of two (2) years, beginning on the effective date of the Merger and

ending on the second anniversary of such date whereupon this Agreement shall

terminate and Employee shall become an "at will" employee of the Bank in

accordance with the Personnel Policies of the Bank in effect at such time.

     5. CONFIDENTIALITY. Employee agrees that such information concerning the

business, affairs, and records of Bank as he may acquire in the course of, or as

incident to, his

                                       2

<PAGE>

employment hereunder, shall be regarded and treated as being of a confidential

nature, and that he will not disclose any such information to any person, firm,

or corporation, for his own benefit or to the detriment of Bank, during the term

of his employment under this Agreement or at any time following the termination

thereof.

     6. MISCELLANEOUS BENEFITS. This Agreement is not intended, and shall not be

deemed to be in lieu of any rights, benefits, and privileges to which Employee

may be entitled as an Employee of Bank under any retirement, pension, profit

sharing, insurance, hospital, bonus, vacation, or other plan or plans which may

now be in effect or which may hereafter be adopted by Bank, it being understood

that Employee shall have the same rights and privileges to participate in such

plans and benefits, as any other employee, during the period of his employment.

     7. BINDING EFFECT. This Agreement shall inure to the benefit of and be

binding upon Bank's successors and assigns, including, without limitation, any

company or corporation which may acquire substantially all of Bank's assets or

business, or with, or into which Bank may be merged or otherwise cons