PREMIER BANCORP INC /PA/
10QSB, EX-10.1, 2000-11-14
STATE COMMERCIAL BANKS
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                               EXHIBIT 10.1

    Premier Bank's 1995 Incentive Stock Option Plan.  (Incorporated by
reference to Exhibit 99.6 to the Company's Registration Statement No.
333-34243 on Form S-4 filed with the Securities and Exchange Commission on
August 22, 1997 and as amended on September 9, 1997).


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