The strain at a distance from the neutral axis in bending is given by the formula:
\[
\varepsilon = \frac{M y}{E I},
\]
where \( M \) is the bending moment, \( y \) is the distance from the neutral axis, \( E \) is the modulus of elasticity, and \( I \) is the second moment of area.
For the square cross-section, the moment of inertia \( I \) is:
\[
I = \frac{b^4}{12} = \frac{(1\, \text{cm})^4}{12} = 0.0000833 \, \text{cm}^4.
\]
The bending moment at the point of interest is given by:
\[
M = F e = 10000 \, \text{N} \times e \, \text{m}.
\]
From the strain difference equation:
\[
\varepsilon_1 - \varepsilon_2 = \frac{M (y_1 - y_2)}{E I}.
\]
Solving for \( e \), we get:
\[
e \approx 0.95 \, \text{mm}.
\]
Thus, the eccentricity in loading is:
\[
\boxed{0.95 \, \text{mm}}.
\]