UMBRELLA BANCORP INC
AMENDED & RESTATED EMPLOYMENT AGREEMENT
<DOCUMENT>
<TYPE>EX-10.3
<SEQUENCE>4
<FILENAME>c68321ex10-3.txt
<DESCRIPTION>AMENDED & RESTATED EMPLOYMENT AGREEMENT
<TEXT>
<PAGE>
                                                                    EXHIBIT 10.3



                                   [TO COME]

</TEXT>
</DOCUMENT>
