December 2, 1998 Leslie A. Galbraith 53 Collie Brook Road East Hampton, CT 06424 Dear Leslie: Reference is made to that certain employment agreement (the "Employment Agreement") dated August 25, 1997 between First National Bank of New England (now...

 
                                                                   EXHIBIT 10.11

                               December 2, 1998


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Dear ▇▇▇▇▇▇:

     Reference is made to that certain employment agreement (the "Employment
Agreement") dated August 25, 1997 between First National Bank of New England
(now known as First International Bank, National Association) (the "Bank") and
you.

     The Bank and you agree that the Employment Agreement is amended to provide
that, beginning as of the date hereof, you will be employed as President, Chief
Operating Officer and Chief Financial Officer of the Bank (or equivalent titles)
in accordance with the terms and conditions of the Employment Agreement.

     Except to the extent expressly amended herein, the Employment Agreement
remains unmodified and in full force and effect in accordance with its terms.

     Please sign in the space provided below to indicate your acceptance of the
foregoing.

                                   Very truly yours,

                                   FIRST INTERNATIONAL BANK,
                                   NATIONAL ASSOCIATION

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                                   By:___________________________________
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                                      Its Chairman and Chief Executive Officer

Agreed to:

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