EXHIBIT 10.25 Summary of Principal Terms of Employment of Virginia M. Robbins

                                  EXHIBIT 10.25

         Summary of Principal Terms of Employment of Virginia M. Robbins


On January 23, 2006,   the   Company's   Board of Directors   appointed   Virginia M.
Robbins as Executive Vice President,   Chief Operating Officer of the Company and
of its wholly-owned   subsidiary,   The Vintage Bank, effective as of February 10,
2006.


Ms. Robbin's initial annual base salary will be $200,000.   In addition,   she has
an auto allowance of $500.00 per month.   She will also participate in the Bank's
Executive   Officer   incentive plan. The amount of any incentive   compensation is
discretionary   on   the   part   of the   CEO,   subject   to   review   by the   Board's
Com