FORM OF VOTING AGREEMENT

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EXHIBIT 10.1

VOTING AGREEMENT

THIS VOTING AGREEMENT (this "AGREEMENT") is entered into as of April 18,

2005, among FIRST BANCTRUST CORPORATION, a Delaware corporation ("FBC"), RANTOUL

FIRST BANK, S.B., an Illinois savings bank ("BANK"), and each of Bank's

directors and executive officers who own voting stock of Bank (collectively

referred to in this Agreement as the "PRINCIPAL STOCKHOLDERS," and individually

as a "PRINCIPAL STOCKHOLDER.")

RECITALS

A. As of the date hereof, each Principal Stockholder is the owner of the

number of shares of Bank's common stock, $1.00 par value per share ("BANK COMMON

STOCK"), as is set forth opposite such Principal Stockholder's name on the

signature page attached hereto and such total number of shares represents

approximately the percentage of the issued and outstanding shares of Bank's

voting stock that is also set forth thereon opposite such Principal

Stockholder's name.

B. FBC is contemplating the acquisition of Bank (the "ACQUISITION"),

pursuant to an Agreement and Plan of Reorganization dated of even date herewith

(the "REORGANIZATION AGREEMENT").

C. FBC is unwilling to expend the substantial time, effort and expense

necessary to implement the Acquisition, including applying for and obtaining

necessary approvals of regulatory authorities, unless all of the Principal

Stockholders enter into this Agreement.

D. Each Principal Stockholder believes it is in his or her best interest

as well as the best interest of Bank for FBC to consummate the Acquisition.

AGREEMENTS

In consideration of the foregoing premises, which are incorporated herein

by this reference, and the covenants and agreements of the parties herein

contained, and as an inducement to FBC to enter into the Reorganization

Agreement and to incur the expenses associated with the Acquisition, the parties

hereto, intending to be legally bound, hereby agree as follows:

SECTION 1. DEFINITIONS; CONSTRUCTION. All terms that are capitalized and

used herein (and are not otherwise specifically defined herein) shall be used in

this Agreement as defined in the Reorganization Agreement. The parties hereby

incorporate by this reference the principles of construction set forth in

Section 1.2 of the Reorganization Agreement.

SECTION 2. REPRESENTATIONS AND WARRANTIES. Each Principal Stockholder

represents and warrants that as of the date hereof, he or she:

(a) owns beneficially and of record the number of shares of Bank

Common Stock as is set forth opposite such Principal Stockholder's name on the

signature page attached hereto, all of which shares are free and clear of all

liens, pledges, security interests, claims,

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encumbrances, options, voting agreements, proxies, agreements to sell and

commitments of every kind (collectively, "ENCUMBRANCES");

(b) has the sole, or joint with any other Principal Stockholder,

voting power with respect to such shares of Bank Common Stock, and that he or

she does not own or hold any rights to acquire any additional shares of Bank's

capital stock (by exercise of stock options or otherwise) or any interest

therein or any voting rights with respect to any additional shares; and

(c) has all necessary power and authority to enter into this

Agreement and further represents and warrants that this Agreement is the legal,

valid and binding agreement of such Principal Stockholder, and is enforceable

against such Principal Stockholder in accordance with its terms.

SECTION 3. VOTING AGREEMENT. Each Principal Stockholder hereby agrees that

at any meeting of Bank's stockholders however called, and in any action by

written consent of Bank's stockholders, such Principal Stockholder shall vote

all shares of Bank Common Stock now or at any time hereafter owned or controlled

by him or her:

(a) in favor of the Acquisition and the other Contemplated

Transactions as described in the Reorganization Agreement, and any action or

agreement that would reasonably be expected to facilitate the Contemplated

Transactions;

(b) against any acquisition of any capital stock of Bank through

purchase, merger, consolidation or otherwise, or the acquisition by any method

of a substantial portion of the assets of Bank, in any such case by any party

other than FBC or its Subsidiaries (an "ACQUISITION TRANSACTION");

(c) against any action or agreement that would reasonably be

expected to result in a material breach of any covenant, representation or

warranty or any other obligation of Bank under the Reorganization Agreement; and

(d) against any action or agreement that would reasonably be

expected to impede or interfere with the Contemplated Transactions, including

any: (i) change in Bank's board of directors; (ii) change in Bank's present

capitalization; or (iii) other material change in Bank's corporate structure or

business, in each such case except as otherwise agreed to in writing by FBC.

SECTION 4. ADDITIONAL COVENANTS. Except as required by law or as may be

required pursuant to the exercise of his or her fiduciary duties pursuant to

Section 6.9% of the Reorganization Agreement, each Principal Stockholder agrees

that he or she will:

(a) not, and will not permit any of his or her Affiliates, prior to

the Effective Time to sell, assign, transfer or otherwise dispose of, create an

Encumbrance with respect to, or permit to be sold, assigned, transferred or

otherwise disposed of, any Bank Common Stock owned of record or beneficially by

such Principal Stockholder, whether such shares of Bank Common Stock are owned

of record or beneficially by such Principal Stockholder on the date of this

Agreement or are subsequently acquired by any method, except: (i) for transfers

by will or by operation of law (in which case this Agreement shall bind the

transferee); (ii) with the prior

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written consent of FBC (which consent shall not be unreasonably withheld), for

any sales, assignments, transfers or other dispositions necessitated by

hardship; or (iii) as FBC may otherwise agree in writing;

(b) not, and will not permit any of his or her Affiliates, directly

or indirectly (including through its Representatives), to initiate, solicit or

encourage any discussions, inquiries or proposals with any third party relating

to an Acquisition Transactio