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TABLE OF CONTENTS


		Page
Article I. TERMS OF THE MERGER AND CLOSING			1

Section 1.01.	The Merger		1
Section 1.02.	Effect of the Merger		1
Section 1.03.	The Merger Conversion of Shares		2
Section 1.04.	Treatment of Stock Options		3
Section 1.05.	Restricted Stock Awards		4
Section 1.06.	The Closing		4
Section 1.07.	Exchange Procedures; Surrender of Certificates		4
Section 1.08.	The Closing Date		5
Section 1.09.	Actions at Closing		5
Section 1.10.	Absence of Control		7

Article II. REPRESENTATIONS AND WARRANTIES OF ST. JOSEPH			7

Section 2.01.	St. Joseph Disclosure Schedule		7
Section 2.02.	Organization		7
Section 2.03.	Capital Stock		8
Section 2.04.	Authorization; No Defaults		8
Section 2.05.	Subsidiaries		9
Section 2.06.	Financial Information		10
Section 2.07.	Absence of Changes or Events		10
Section 2.08.	Absence of Agreements with Banking Authorities		11
Section 2.09.	Tax Matters		11
Section 2.10.	Litigation		12
Section 2.11.	Employment Matters		12
Section 2.12.	Reports		13
Section 2.13.	ERISA		13
Section 2.14.	Title to Properties		16
Section 2.15.	Insurance		16
Section 2.16.	Operating Losses		16
Section 2.17.	SEC Filings; Financial Statements		17
Section 2.18.	Proxy Statement		18
Section 2.19.	Intellectual Property		19
Section 2.20.	Community Reinvestment Act		19
Section 2.21.	Bank Secrecy Act		19
Section 2.22.	Environmental Matters		19
Section 2.23.	Compliance with Law		20
Section 2.24.	Brokerage		20
Section 2.25.	Material Contracts		20
Section 2.26.	Compliance with Americans with Disabilities Act		21
Section 2.27.	Disclosure		21

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TABLE OF CONTENTS
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Section 2.28.	St. Josephs Knowledge		21
Section 2.29.	Fairness Opinion		21

Article III.	REPRESENTATIONS AND WARRANTIES OF OLD NATIONAL		22

Section 3.01.	Organization		22
Section 3.02.	Authorization; No Defaults		22
Section 3.03.	Financial Information		22
Section 3.04.	Litigation		23
Section 3.05.	Brokerage		23
Section 3.06.	Old Nationals Knowledge		23
Section 3.07.	Proxy Statement		23
Section 3.08.	Ownership of Merger Sub; No Prior Activities		23
Section 3.09.	Approval Delays		23
Section 3.10.	Disclosure		24

Article IV. COVENANTS OF ST. JOSEPH			24

Section 4.01.	Conduct of Business Prior to Effective Time		24
Section 4.02.	Forbearances		24
Section 4.03.	Affirmative Obligations		27
Section 4.04.	Reasonable Best Efforts		27
Section 4.05.	Subsequent Discovery of Events or Conditions		27
Section 4.06.	Stockholder and Other Approvals; Cooperation		27
Section 4.07.	SEC Matters		28
Section 4.08.	Environmental Matters		28
Section 4.09.	Access to Information		29
Section 4.10.	Cooperation in Connection with Termination of Certain
	Executive		29
	Agreements and Exercise of Stock Options
Section 4.11.	Dividends		30
Section 4.12.	No Solicitation of Transactions		30
Section 4.13.	St. Joseph Bank Merger		33
Section 4.14.	Tax Sharing Agreement		33
Section 4.15.	Section 481 Adjustment		33
Section 4.16.	Riverfront Partners, LLC		33
Section 4.17.	Employment Taxes and Reporting		33
Section 4.18.	Cooperation on Tax Matters		34
Section 4.19.	Board and Loan Committee Visitation Rights		34
Section 4.20.	Employee Benefits		34

Article V. COVENANTS OF OLD NATIONAL			37

Section 5.01.

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