Attached files

                                                                    Exhibit 10.2

                              AMENDMENT AGREEMENT

          This Agreement amends that certain Agreement by and between
Cornerstone Bank, a New Jersey State chartered commercial bank (the "Bank") and
Eugene D. D'Orazio, an individual (the "Executive") dated July 16, 2009 (the
"Employment Agreement").

          WHEREAS, the Employment Period, and such terms is defined in the
Employment Agreement, is set to expire on February 29, 2012.

          WHEREAS, the Bank and the Executive each desire to extend the term of
the Employment Period;

         NOW THEREFORE, the parties hereto hereby agree as follows:

         1.       Section 3 of the Employment Agreement is amended so that the
                  Employment Period, in lieu of expiring on February 29, 2012,
                  shall expire on February 28, 2013.

         2.       Except as amended hereby, the terms and conditions of the
                  Employment Agreement shall remain in full force and effect,
                  unaltered in any way.


         IN WITNESS WHEREOF, the undersigned have executed this Agreement as of
this 16(th) day of February, 2012.


                                    CORNERSTONE BANK


                                    By: /s/ George W. Matteo Jr.
                                        ----------------------------------------
                                        GEORGE W. MATTEO, JR.
                                        Chairman, CEO & President

                                        /s/ Eugene D. Orazio
                                        ----------------------------------------
                                        EUGENE D. D'ORAZIO