EXHIBIT 10(l)

EMPLOYMENT AGREEMENT EXTENSION

THIS EMPLOYMENT AGREEMENT EXTENSION (this “Agreement Extension”) is entered into effective the 30 day of March, 2010, by and between The Franklin Savings and Loan Company, a savings and loan association organized under the laws of the State of Ohio (the “Employer”), and Gretchen J. Schmidt (the “Employee”).

WITNESSETH:

WHEREAS, the Employee is currently employed as the President of the Employer; and

WHEREAS, the Employer and the Employee are parties to an employment agreement dated July 1, 2006 and amended December 30, 2008 (the “Employment Agreement”); and

WHEREAS, the current expiration date of the Employment Agreement is March 31, 2012; and

WHEREAS, Section 1 of the Employment Agreement provides that the Employer’s Board of Directors may extend the term of the Employment Agreement; and

WHEREAS, as a result of the skill, knowledge, performance and experience of the Employee, the Board of Directors of the Employer has determined that the Employment Agreement should be extended; and

WHEREAS, the Employee desires to continue to serve as the President of the Employer and consents to the extension of the Employment Agreement;

NOW, THEREFORE, in consideration of the premises and mutual covenants herein contained, the Employer and the Employee hereby agree as follows:

1. Extension of Term of Employment Agreement. The term of the Employment Agreement is hereby extended and the Employment Agreement shall terminate on March 31, 2013 (the “Extended Term”).

2. Effect of Prior Agreements. All of the terms and conditions of the Employment Agreement shall remain in full force and effect during the Extended Term.

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IN WITNESS WHEREOF, the Employer has caused this Agreement Extension to be executed by its duly authorized officer, and the Employee has consented to and signed this Agreement Extension, each as of the date first above written.

	EMPLOYER:
Attest:	THE FRANKLIN SAVINGS AND LOAN COMPANY
/s/ Margaret Havlin	By:	/s/ Daniel T. Voelpel Name:  Daniel T. Voelpel
		Title:    Senior Vice President
Attest:	EMPLOYEE:
/s/ Margaret Havlin	/s/ Gretchen J. Schmidt