EXHIBIT 10.10

                          INDEMNIFICATION AGREEMENT

      This Indemnification Agreement, made on the 21st day of December,
1994, by and among First Federal Bancorp, Inc., a savings and loan holding
company incorporated under Ohio law (hereinafter referred to as "BANCORP"),
and Robert D. Goodrich, II, a director of BANCORP (hereinafter referred to
as the "INDEMNIFIED PARTY"):

                                 WITNESSETH:

      WHEREAS, the Ohio General Corporation Law (hereinafter referred to as
the "GCL") permits under certain circumstances the indemnification of
persons serving as directors, officers, employees or agents of BANCORP;

      WHEREAS, the GCL provides that the indemnification permitted by the
GCL is not exclusive of any other rights to which a person seeking
indemnification may be entitled by agreement, vote of shareholders or
disinterested directors or otherwise;

      WHEREAS, BANCORP believes that the INDEMNIFIED PARTY has the abilities
and qualities which are needed for the effective management and operation of
BANCORP and desires to have the INDEMNIFIED PARTY make business judgments
which she determines are in the best interests of BANCORP and its
shareholders;

      WHEREAS, the INDEMNIFIED PARTY desires to make decisions which she
determines are in the best interests of BANCORP and its shareholders without
undue concern about personal liability for such decisions; and

      WHEREAS, BANCORP desires to assure the INDEMNIFIED PARTY of
indemnification permitted by the GCL;

      NOW, THEREFORE, in consideration of the premises and for other good
and valuable consideration, the receipt of which is hereby acknowledged, the
INDEMNIFIED PARTY and BANCORP hereby agree as follows:





      Section 1.  Mandatory Indemnification.

      If the INDEMNIFIED PARTY acted in good faith and in a manner she
reasonably believed to be in or not opposed to the best interests of BANCORP
and if, with respect to any criminal action or proceeding, the INDEMNIFIED
PARTY had no reason to believe that her conduct was unlawful (such action
and belief hereinafter referred to as the "APPLICABLE STANDARD OF CONDUCT"),
BANCORP shall indemnify the INDEMNIFIED PARTY in the event that she was or
is a party or is threatened to be made a party to any threatened, pending or
completed action, suit or proceeding, whether civil, criminal,
administrative or investigative (including, without limitation, any action
threatened or instituted by or in the right of BANCORP), by reason of the
fact that she is or was a director, officer, employee or agent of BANCORP or
a subsidiary of BANCORP, including, but not limited to, First Federal
Savings Bank of Eastern Ohio (hereinafter referred to as "FIRST FEDERAL"),
or is or was serving at the request of BANCORP as a director, officer,
trustee, employee or agent of another corporation (domestic or foreign, non-
profit or for profit), partnership, joint venture, trust or other enterprise
(or by reason of any of her acts or omissions in any one or more of such
capacities), against expenses (including, without limitation, attorneys'
fees, filing fees, court reporters' fees, transcript costs and investigative
costs), judgments, fines and amounts paid in settlement, actually and
reasonably incurred by her in connection with such action, suit or
proceeding.

      Section 2.  Determination Requirement.

      (a)   Any indemnification which is claimed under Section 1 of this
Indemnification Agreement shall be paid by BANCORP as the expenses,
judgments, fines or amounts paid in settlement which give rise to the
INDEMNIFIED PARTY's right of indemnification are incurred, regardless of
whether incurred in advance of the final disposition of the action, suit or
proceeding, but only upon a determination that such indemnification is
proper under the circumstances because the INDEMNIFIED PARTY has met the
APPLICABLE STANDARD OF CONDUCT.  Such determination may be made only by one
or more of the following:

            (i)   A majority vote of a quorum consisting of directors of
                  BANCORP who were not or are not parties to, or threatened
                  with, such action, suit or proceeding;


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            (ii)  If such a quorum is not obtainable or if a majority of a
                  quorum of disinterested directors so directs, in a written
                  opinion by  independent legal counsel other than an
                  attorney, or a firm having associated with it an attorney,
                  who has been retained by or performed services for
                  BANCORP, FIRST FEDERAL or the INDEMNIFIED PARTY within the
                  past five years;

            (iii) The shareholders of BANCORP; or

            (iv)  The Court of Common Pleas of Muskingum County, or the
                  court in which such action, suit or proceeding was
                  brought.

Subject to meeting the requirements of subparagraph (i) of this Section
2(a), BANCORP shall have the right to elect any of the foregoing methods of
determination; provided, however, that in the absence of a determination
that the INDEMNIFIED PARTY  met the APPLICABLE STANDARD OF CONDUCT pursuant
to the provisions of subparagraphs (i), (ii) or (iii) of this Section 2(a),
the INDEMNIFIED PARTY may at any time request a determination by a court in
accordance with subparagraph (iv) of this Section 2(a).  In any such legal
proceeding, the failure to make a determination pursuant to the provisions
of subparagraphs (i), (ii) or (iii) of this Section 2(a) shall not be
evidence in rebuttal of the presumption set forth in Section 2(e) of this
Indemnification Agreement.

      (b)   Any determination made pursuant to the provisions of
subparagraphs (i), (ii) or (iii) of this Section 2(a) shall be made as
promptly as practicable, shall be communicated forthwith in writing to the
INDEMNIFIED PARTY and shall be final, conclusive and binding upon her unless
she shall commence a civil action in the Court of Common Pleas of Muskingum
County, Ohio, within sixty (60) days after she shall receive notice of such
determination, claiming such indemnification upon the allegation that she
met the APPLICABLE STANDARD OF CONDUCT.  In the event such civil action is
commenced, BANCORP shall make such indemnification if the Court of Common
Pleas of Muskingum County, Ohio, determines in such action that the
INDEMNIFIED PARTY met the APPLICABLE STANDARD OF CONDUCT.

      (c)   Any determination made pursuant to the provisions of Section
2(a) or (b) to make indemnification in respect of any claim, issue or matter
asserted in an action or suit threatened or brought by or in the right of
BANCORP shall be promptly


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communicated to the person who threatened or brought such action or suit
and, within ten (10) days after receipt of such notification, such person
shall have the right to petition the Court of Common Pleas of Muskingum
County, Ohio, or the court in which such action or suit was brought, if any,
to review the reasonableness of such determination.

      (d)   Anything herein to the contrary notwithstanding, in any and all
cases, the final order of such court determining that the APPLICABLE
STANDARD OF CONDUCT has or has not been met shall be final, conclusive and
binding.

      (e)   The directors, counsel, the shareholders or the court, as the
case may be, shall determine that the INDEMNIFIED PARTY has met the
APPLICABLE STANDARD OF CONDUCT unless it shall be established by clear and
convincing evidence that she has not, as a result of which the INDEMNIFIED
PARTY shall have the benefit of a presumption that she has met such
standard.  Such presumption shall apply in each and every case, including,
without limitation, matters involving or affecting any of the following:

            (i)   Any change or potential change in control of BANCORP;

            (ii)  Any termination or potential termination of the
                  INDEMNIFIED PARTY's service to BANCORP or to any
                  subsidiary of BANCORP as an officer or director (if she
                  is then serving as such) or both; and

            (iii) Any service by her in any other position or any other
                  relationship she may have with BANCORP.

The termination of any action, suit or proceeding by judgment, order,
settlement or conviction, or upon a plea of nolo contendere or its
equivalent, shall not, of itself, rebut the presumption established pursuant
to this Section 2(e).

      Section 3.  Indemnification for Expenses.

      (a) Anything contained in this Indemnification Agreement or elsewhere
to the contrary notwithstanding, to the extent that the INDEMNIFIED PARTY
has been successful on the merits or otherwise in defense of any action,
suit or proceeding referred to in Section 1 or 2 of this Indemnification
Agreement, or in defense of any claim, issue or matter therein, she shall be


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promptly indemnified by BANCORP against expenses (including, without
limitation, attorneys' fees, filing fees, court reporters' fees, transcript
costs and investigative costs) actually and reasonably incurred by her in
connection therewith.

      (b) Anything contained in this Indemnification Agreement or elsewhere
to the contrary notwithstanding:

            (i)   If the INDEMNIFIED PARTY is adjudged to be liable for
                  gross negligence or misconduct (other than negligence) in
                  the performance of her duty to BANCORP, she shall be
                  indemnified in respect of any claim, issue or matter
                  asserted in any completed action or suit instituted by or
                  in the right of the Company to procure a judgment in its
                  favor by reason of the fact that she is or was a director,
                  officer, employee or agent of BANCORP, or is or was
                  serving at the request of BANCORP as director, trustee,
                  officer, employee or agent of another corporation
                  (domestic or foreign, non-profit or for profit),
                  partnership, joint venture, trust or other enterprise,
                  only to the extent that the Court of Common Pleas of
                  Muskingum County, Ohio, or the court in which such action
                  or suit was brought shall determine upon application that,
                  despite the adjudication of liability, but in view of all
                  the circumstances of the case, such person is fairly and
                  reasonably entitled to such indemnity as such Court of
                  Common Pleas or such other court shall deem proper; and

            (ii)  BANCORP shall promptly make such unpaid indemnification as
                  is determined by a court to be proper as contemplated by
                  this Section 3.

      Section 4.  Advancements for Expenses.

      Expenses, including, without limitation, attorneys' fees, filing fees,
court reporters' fees, transcript costs and investigative costs, incurred in
defending any action, suit or proceeding referred to in Section 1 of this
Indemnification Agreement shall be paid by BANCORP in advance of the final
disposition of such action, suit or proceeding, to or on behalf of the
INDEMNIFIED PARTY promptly as such expenses are incurred by her.  The
INDEMNIFIED PARTY shall repay to BANCORP all amounts


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so paid in respect of any claim, issue or other matter asserted in such
action, suit or proceeding in defense of which she shall not have been
successful on the merits or otherwise:

            (i)   If she shall have failed to cooperate reasonably with
                  BANCORP concerning the action, suit or proceeding; or

            (ii)  If it is proved by clear and convincing evidence in a
                  court of competent jurisdiction that her action or failure
                  to act involved an act or omission undertaken with
                  deliberate intent to cause injury to BANCORP or undertaken
                  with reckless disregard for the best interests of BANCORP.

      Section 5.  Certain Definitions.

      For the purpose of this Indemnification Agreement, and as an example
and not by way of limitation:

      (a)   The INDEMNIFIED PARTY shall be deemed to have been "successful
on the merits or otherwise" in defense of any action, suit or proceeding
referred to in Section 1 of this Indemnification Agreement, or in defense of
any claim, issue or other matter therein, if such action, suit or proceeding
shall be terminated as to her, with or without prejudice, without the entry
of a judgment or order against her, without a conviction of her, without the
imposition of a fine upon her or without her payment or agreement to pay any
amount in settlement thereof (whether or not any such termination is based
upon a judicial or other determination of the lack of merit of the claims
made against her or otherwise results in a vindication of her); and

      (b)   References to an "other enterprise" shall include employee
benefit plans; references to a "fine" shall include any excise taxes
assessed on a person with respect to an employee benefit plan; and
references to "serving at the request of BANCORP" shall include any service
by the INDEMNIFIED PARTY as a director, officer, employee or agent of
BANCORP which imposes duties on, or involves services by, the INDEMNIFIED
PARTY with respect to an employee benefit plan, its participants or
beneficiaries; and if the INDEMNIFIED PARTY acts in good faith and in a
manner she reasonably believed to be in the best interests of the
participants and beneficiaries of an employee benefit plan, she shall be
deemed to have acted in a manner "not opposed to the best interests of
BANCORP and its shareholders"


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within the meaning of that term as used in this Indemnification Agreement.

      Section 6.  Agreement Not Exclusive.

      The indemnification provided by this Indemnification Agreement shall
not be deemed exclusive of any other rights to which the INDEMNIFIED PARTY
may be entitled under the law, the Articles of Incorporation or the
Regulations of BANCORP or under any other agreement, vote of shareholders or
disinterested directors, or otherwise, both as to action in her official
capacity while holding such office, and shall continue after the INDEMNIFIED
PARTY has ceased to be a director, trustee, officer, employee or agent of
BANCORP.

      Section 7.  Governing Law and Forum.

      This Indemnification Agreement shall be governed by and construed in
accordance with the laws of the State of Ohio except with respect to
conflict of laws.  Any action by the INDEMNIFIED PARTY or BANCORP to
determine a claim for indemnification under this Indemnification Agreement
shall be maintained as to BANCORP and the INDEMNIFIED PARTY in Muskingum
County, Ohio.  BANCORP and the INDEMNIFIED PARTY consent to the exercise of
jurisdiction over its or her person by the Court of Common Pleas of
Muskingum County, Ohio.


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      Section 8.  Counterparts.

      This Indemnification Agreement may be executed in one or more
counterparts, each of which shall be deemed to be a duplicate original, but
all of which, taken together, shall constitute a single instrument.

      Section 9.  Severability.

      If any provision of this Indemnification Agreement or the application
of any provision hereof to any person or circumstance shall be determined to
be invalid or unenforceable, then such determination shall not affect any
other provision of this Indemnification Agreement or the application of said
provision to any other person or circumstance, all of which provisions shall
remain in full force and effect, and it is the intention of BANCORP and of
the INDEMNIFIED PARTY that if any provision of this Indemnification
Agreement is susceptible to two or more constructions, one of which would
render the provision enforceable and the other or others of which would
render the provision unenforceable, then the provision shall have the
meaning which renders it enforceable.

      Section 10.  Gender.

      When used in this Indemnification Agreement, the number and gender of
each pronoun shall be construed to be such number and gender as the context,
circumstances or its antecedent may require.

      Section 11.  Successors and Assigns.

      This Indemnification Agreement shall inure to the benefit of and be
binding upon the successors and assigns (including successive, as well as
immediate, successors and assigns) of the parties hereto; provided, however,
that the rights of the INDEMNIFIED PARTY under this Indemnification
Agreement may be assigned only to her personal representative or by her will
or pursuant to the applicable laws of descent and distribution.

      Section 12.  Modification.

      This Indemnification Agreement may be modified or terminated only by a
writing signed by both parties hereto.

      Section 13.  Headings.


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      The headings of various items of this Indemnification Agreement have
been inserted for convenience only, and the interpretation hereof shall be
based strictly upon the text without reference to such headings.

      IN WITNESS WHEREOF, the parties hereto have caused this
Indemnification Agreement to be executed to be effective as of the date
first above written.

INDEMNIFIED PARTY                      FIRST FEDERAL BANCORP, INC.


/s/  Robert D. Goodrich, II            By  /s/ John C. Matesich, III
---------------------------                -------------------------
                                           its Chairman


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