EXHIBIT 10(2)
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                             FOURTH AMENDMENT TO THE
                       CITY SAVINGS FINANCIAL CORPORATION
                EMPLOYEE STOCK OWNERSHIP PLAN AND TRUST AGREEMENT


     Pursuant to rights reserved under Section 9.1 of the City Savings Financial
Corporation  Employee Stock Ownership Plan and Trust Agreement (as last restated
effective  January 1, 2001) (the  "Plan"),  City Savings  Bank, by action of its
Board of Directors,  amends the Plan, effective with respect to distributions of
benefits on or after March 28, 2005, as follows.


     Section 6.10 of the Plan shall be amended by changing the  mandatory  small
benefit cashout  threshold from five thousand  dollars  ($5,000) to one thousand
dollars ($1,000) and applying that threshold to the Participant's  entire vested
account balance.


     This Fourth Amendment has been executed this 13th day of April, 2005.


                               CITY SAVINGS BANK



                               Signature /s/ Thomas F. Swirski
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                               Printed Name  Thomas F. Swirski
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                               Title  President and C.E.O.
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