Exhibit 10.12

                           Consulting Contract between
                 Enterbank Holdings, Inc. and Paul J. McKee, Jr.
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Contract Objectives:

 .    To assist in the business growth and development of Enterbank Holdings,
     Inc. and its subsidiaries;
 .    To provide professional advisory services in all matters pertaining to the
     management of the Holding Company;
 .    To provide personal coaching and counseling to officers and executives of
     the Holding Company as needed;
 .    To provide leadership and direction to the Board of Directors of the
     Holding Company on behalf of the shareholders.

Scope of Services:

 .    Serve as Chairman of the Board of Directors for Enterbank Holdings, Inc.;
 .    Serve on Executive Committee of the Bank with responsibilities for
     determining strategic planning, policy direction, and overall management of
     the Bank and other businesses;
 .    Responsibility for developing and leading the annual strategic planning and
     budgeting process for Enterbank Holdings, Inc., Enterprise Bank and
     Enterprise Trust;
 .    Personnel business development and marketing for the Bank's operation;
 .    Assistance in recruiting and training Directors;
 .    Provision of organizational development services including training,
     coaching, and assistance in the annual performance contracting process with
     key Bank employees;
 .    Coordination of various public relations and promotional programs on behalf
     of the Holding Company and Enterprise Bank; o Preparation of marketing
     materials, reports and letters to shareholders, and leadership of business
     development seminars.

Engagement Term and Conditions:

The above services are to be performed for an annual fee of $40,000.00 payable
in twelve (12) equal monthly installments. The contract is renewable annually by
each party. Either party may cancel the contract with thirty (30) days written
notice.

Accepted by:


/s/ Paul J. Mckee, Jr.            October 9, 2001
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Paul J. McKee, Jr.                Date

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