FORM OF INCENTIVE STOCK OPTION AWARD AGREEMENT

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          EXHIBIT 10.3: FORM OF INCENTIVE STOCK OPTION AWARD AGREEMENT


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                                     FORM OF
                     INCENTIVE STOCK OPTION AWARD AGREEMENT
         FOR THE SUGAR CREEK FINANCIAL CORP. 2007 EQUITY INCENTIVE PLAN

         This Award Agreement is provided to ________________ (the
"Participant") by Sugar Creek Financial Corp. (the "Company") as of _________
(the "Grant Date"), the date the Compensation Committee of the Board of
Directors (the "Committee") granted the Participant the right and option to
purchase Shares pursuant to the Sugar Creek Financial Corp. 2007 Equity
Incentive Plan (the "2007 Plan"), subject to the terms and conditions of the
2007 Plan and this Award Agreement:

         1.         OPTION GRANT:                You have been granted an INCENTIVE
                                              STOCK OPTION (referred to in this
                                              Agreement as your "Option").
         2.        NUMBER OF SHARES
                   SUBJECT TO YOUR OPTION:      ___________ shares of Common Stock
                                              ("Shares"), subject to adjustment
                                              as may be necessary pursuant to
                                               Article 10 of the 2007 Plan.

         3.        GRANT DATE:                  ___________

         4.        EXERCISE PRICE:              You may purchase Shares covered by
                                              your Option at a price of $_______
                                              per share.

         Unless sooner vested in accordance with Section 2 of the Terms and
Conditions (attached hereto) or otherwise in the discretion of the Committee,
the Options shall vest (become exercisable) in accordance with the following
schedule:
<TABLE>
<CAPTION>

      Continuous Status           Percentage of Option     Number of Shares
       as a Participant            Vested/Number of         Available for
       after Grant Date                 Shares                Exercise            Vesting Date
      <S>                             <C>                    <C>                   <C>
      Less than 1 year                  0%
      1 year                           20%
      2 years                           40%
      3 years                          60%
      4 years                          80%
      5 years                         100%                   _____                 ______
</TABLE>


         IN WITNESS WHEREOF, Sugar Creek Financial Corp., acting by and through
the Committee, has caused this Award Agreement to be executed as of the Grant
Date set forth above.

                                     SUGAR CREEK FINANCIAL CORP.


                                     By:
                                          ---------------------------------------
                                         On behalf of the Compensation Committee

ACCEPTED BY PARTICIPANT:


--------------------------
[Name]

--------------------------
Date


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TERMS AND CONDITIONS

1.        GRANT OF OPTION. The Grant Date, Exercise Price and number of Shares
         subject to your Option are stated on page 1 of this Award Agreement.
         Capitalized terms used herein and not otherwise defined shall have the
          meanings assigned to such terms in the 2007 Plan. The Company intends
         this grant to qualify as an Incentive Stock Option under Section 422 of
         the Internal Revenue Code of 1986, as amended.

2.        VESTING OF OPTIONS. The Option shall vest (become exercisable) in
         accordance with the vesting schedule shown on page 1 of this Award
         Agreement. Notwithstanding the vesting schedule on page 1, the Option
         will also vest and become exercisable:

         (a)     Upon your death or Disability during your Continuous Status as a
                Participant; or

        (b)      Upon a Change in Control (as defined in the 2007 Plan).

3.        TERM OF OPTIONS AND LIMITATIONS ON RIGHT TO EXERCISE. The term of the
         Option will be for a period of ten (10) years, expiring at 5:00 p.m.,
         Eastern Time, on the tenth anniversary of the Grant Date (the
         "Expiration Date"). To the extent not previously exercised, the vested
         portion of your Option will lapse prior to the Expiration Date upon the
         earliest to occur of the following circumstances:

         (a)     Three (3) months after the termination of your Continuous
                Status as a Participant for any reason other than your death
                 or Disability.

         (b)     Twelve (12) months after termination of your Continuous Status
                as a Participant by reason of Disability.

         (c)     Twelve (12) months after the date of your death, if you die
                 while employed, or during the three-month period described in
                subsection (a) above or during the twelve-month period
                described in subsection (b) above and before the Option would
                otherwise lapse. Upon your death, your beneficiary (designated
                pursuant to the terms of the 2007 Plan) may exercise your
                Option.

        (d)      At the end of the remaining original term of the Option, if
                your employment is involuntarily or constructively terminated
                within twelve (12) months of a Change in Control. Options
                exercised more than three (3) months after your termination
                date will be treated as Non-Statutory Stock Options