Exhibit 10

AGREEMENT  made as of the Twenty  Second  (22nd) day of March in the year of Two
Thousand and Five (In words, indicate day, month and year)

BETWEEN the Owner:
(Name, address and other information)

Community Bankshares, Inc.
791 Broughton Street
Orangeburg, South Carolina 29115
Telephone Number: (803) 535-1060


and the Contractor:
(Name, address and other information)

C. F. Evans & Company, Inc.
P. O. Box 1686
Orangeburg, South Carolina 29116-1686
Telephone Number: (803) 536-6443
Fax Number: (803) 531-4629

The Project is:
(Name and location)

Community Bankshares Corporate Headquarters
Orangeburg, South Carolina

The Architect is:
(Name, address and other information)

Robert E. Moore Architect
1800 Ashcraft Avenue
Monroe, North Carolina  28110
Telephone Number: (704) 283-1196
Fax Number: (704) 289-4422

The Owner and Contractor agree as follows.


<PAGE>


ARTICLE 1   THE CONTRACT DOCUMENTS

The Contract  Documents  consist of this  Agreement,  Conditions of the Contract
(General, Supplementary and other Conditions), Drawings, Specifications, Addenda
issued prior to  execution of this  Agreement,  other  documents  listed in this
Agreement and Modifications issued after execution of this Agreement; these form
the  Contract,  and are as fully a part of the  Contract  as if attached to this
Agreement or repeated herein. The Contract  represents the entire and integrated
agreement  between  the  parties  hereto  and  supersedes  prior   negotiations,
representations  or  agreements,  either  written or oral. An enumeration of the
Contract Documents, other than Modifications, appears in Article 8.

ARTICLE 2   THE WORK OF THIS CONTRACT

The Contractor shall fully execute the Work described in the Contract Documents,
except to the extent specifically  indicated in the Contract Documents to be the
responsibility of others.

ARTICLE 3   DATE OF COMMENCEMENT AND SUBSTANTIAL COMPLETION

Section  3.1 The  date of  commencement  of the  Work  shall be the date of this
Agreement  unless a different  date is stated below or provision is made for the
date to be fixed in a notice to proceed issued by the Owner. (Insert the date of
commencement  if it differs from the date of this  Agreement or, if  applicable,
state that the date will be fixed in a notice to proceed.)

 Date of Commencement will be ten (10) days after receipt of building permit

If,  prior to the  commencement  of the Work,  the Owner  requires  time to file
mortgages,  mechanic's  liens and other  security  interests,  the Owner's  time
requirement shall be as follows:



Section  3.2 The Contract Time shall be measured from the date of commencement.

Section 3.3 The Contractor  shall achieve  Substantial  Completion of the entire
Work not later than days from the date of commencement,  or as follows:  (Insert
number  of  calendar  days.  Alternatively,  a  calendar  date may be used  when
coordinated  with the  date of  commencement.  Unless  stated  elsewhere  in the
Contract Documents,  insert any requirements for earlier Substantial  Completion
of certain portions of the Work.)

Date of  Substantial  Completion  will be seven  (7)  months  after  receipt  of
building permit

        Portion of Work               Substantial Completion Date


, subject to  adjustments  of this  Contract  Time as provided  in the  Contract
Documents.  (Insert  provisions,  if any,  for  liquidated  damages  relating to
failure to complete on time or for bonus  payments for early  completion  of the
Work.)

Should the project not be complete by date of Substantial Completion, liquidated
damages will be assessed at the rate of Two Hundred Fifty Dollars  ($250.00) for
each day Owner is unable to assume occupancy.

The Contractor  will be paid a bonus of Two Hundred Fifty Dollars  ($250.00) for
every calendar day the project is completed ahead of the six-month  construction
schedule.

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<PAGE>

ARTICLE 4   CONTRACT SUM

Section 4.1 The Owner shall pay the Contractor the Contract Sum in current funds
for the Contractor's  performance of the Contract. The Contract Sum shall be One
Million Four Hundred  Seventy-five  Thousand Five Hundred Dollars and Zero Cents
($  1,475,500.00  ),  subject to  additions  and  deductions  as provided in the
Contract Documents.

Section 4.2 The Contract  Sum is based upon the  following  alternates,  if any,
which are  described in the Contract  Documents  and are hereby  accepted by the
Owner:  (State the numbers or other  identification of accepted  alternates.  If
decisions  on other  alternates  are to be made by the Owner  subsequent  to the
execution of this Agreement,  attach a schedule of such other alternates showing
the amount for each and the date when that amount expires)



Section  4.3 Unit prices, if any, are as follows:

        Description              Units              Price ($ 0.00)


ARTICLE 5   PAYMENTS

Section  5.1 PROGRESS PAYMENTS

Section 5.1.1 Based upon  Applications for Payment submitted to the Architect by
the Contractor and Certificates  for Payment issued by the Architect,  the Owner
shall make progress payments on account of the Contract Sum to the Contractor as
provided below and elsewhere in the Contract Documents.

Section 5.1.2 The period  covered by each  Application  for Payment shall be one
calendar month ending on the last day of the month, or as follows:

Section  5.1.3  Provided  that an  Application  for  Payment is  received by the
Architect not later than the twenty-fifth (25th) day of a month, the Owner shall
make payment to the  Contractor  not later than the tenth (10th) day of the next
month.  If an  Application  for Payment is received by the  Architect  after the
application date fixed above,  payment shall be made by the Owner not later than
fifteen (15) days after the Architect receives the Application for Payment.

Section  5.1.4 Each  Application  for Payment  shall be based on the most recent
schedule of values  submitted by the Contractor in accordance  with the Contract
Documents.  The schedule of values shall allocate the entire  Contract Sum among
the various  portions of the Work.  The  schedule of values shall be prepared in
such  form and  supported  by such  data to  substantiate  its  accuracy  as the
Architect may require. This schedule, unless objected to by the Architect, shall
be used as a basis for reviewing the Contractor's Applications for Payment.

Section  5.1.5  Applications  for  Payment  shall  indicate  the  percentage  of
completion  of each  portion of the Work as of the end of the period  covered by
the Application for Payment.

Section 5.1.6 Subject to other provisions of the Contract Documents,  the amount
of each progress payment shall be computed as follows:

         .1    Take that  portion of the  Contract  Sum  properly  allocable  to
               completed  Work  as  determined  by  multiplying  the  percentage
               completion  of  each  portion  of the  Work by the  share  of the
               Contract  Sum  allocated  to  that  portion  of the  Work  in the
               schedule of values, less retainage of ten percent (10% ). Pending
               final  determination of cost to the Owner of changes in the Work,
               amounts  not in dispute  shall be included as provided in Section
               7.3.8 of AIA Document A201-1997;

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<PAGE>

         .2    Add that  portion  of the  Contract  Sum  properly  allocable  to
               materials and equipment delivered and suitably stored at the site
               for subsequent  incorporation in the completed  construction (or,
               if approved in advance by the Owner, suitably stored off the site
               at a location  agreed upon in  writing),  less  retainage  of ten
               percent (10%);

          .3   Subtract the  aggregate of previous  payments  made by the Owner;
               and

          .4   Subtract amounts, if any, for which the Architect has withheld or
               nullified a Certificate for Payment as provided in Section 9.5 of
               AIA Document A201-1997.

Section 5.1.7 The progress payment amount  determined in accordance with Section
5.1.6 shall be further modified under the following circumstances:

          .1   Add, upon Substantial Completion of the Work, a sum sufficient to
               increase  the total  payments to the full amount of the  Contract
               Sum,  less such  amounts as the  Architect  shall  determine  for
               incomplete Work,  retainage applicable to such work and unsettled
               claims;  and (Section  9.8.5 of AIA Document  A201-1997  requires
               release of applicable  retainage upon  Substantial  Completion of
               Work with consent of surety, if any.)

          .2   Add, if final  completion  of the Work is  thereafter  materially
               delayed  through  no  fault  of the  Contractor,  any  additional
               amounts payable in accordance with Section 9.10.3 of AIA Document
               A201-1997.

Section 5.1.8 Reduction or limitation of retainage, if any, shall be as follows:
(If it is intended,  prior to  Substantial  Completion  of the entire  Work,  to
reduce  or limit  the  retainage  resulting  from the  percentages  inserted  in
Sections 5.1.6.1 and 5.1.6.2 above,  and this is not explained  elsewhere in the
Contract Documents, insert here provisions for such reduction or limitation.)

Upon reaching 50% billing and subject to satisfactory performance, no additional
retainage  shall be  withheld at the Owner's  and  Architect's  discretion.  The
reduction of retainage for  Subcontractors  will be mutually  agreed upon by the
Owner, Architect and Contractor.

Section 5.1.9 Except with the Owner's prior approval,  the Contractor  shall not
make advance  payments to suppliers  for  materials or equipment  which have not
been delivered and stored at the site.

Section  5.2 FINAL PAYMENT

Section  5.2.1 Final  payment,  constituting  the entire  unpaid  balance of the
Contract Sum, shall be made by the Owner to the Contractor when:

          .1   the  Contractor has fully  performed the Contract  except for the
               Contractor's  responsibility  to  correct  Work  as  provided  in
               Section  12.2.2 of AIA Document  A201-1997,  and to satisfy other
               requirements, if any, which extend beyond final payment; and

         .2    a final Certificate for Payment has been issued by the Architect.

Section 5.2.2 The Owner's final payment to the Contractor shall be made no later
than 30 days  after  the  issuance  of the  Architect's  final  Certificate  for
Payment, or as follows:


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<PAGE>

ARTICLE 6   TERMINATION OR SUSPENSION

Section 6.1 The Contract may be  terminated  by the Owner or the  Contractor  as
provided in Article 14 of AIA Document A201-1997.

Section 6.2 The Work may be  suspended by the Owner as provided in Article 14 of
AIA Document A201-1997.

ARTICLE 7   MISCELLANEOUS PROVISIONS

Section 7.1 Where  reference  is made in this  Agreement  to a provision  of AIA
Document  A201-1997 or another Contract  Document,  the reference refers to that
provision  as  amended  or  supplemented  by other  provisions  of the  Contract
Documents.

Section 7.2 Payments due and unpaid under the Contract  shall bear interest from
the date payment is due at the rate stated below, or in the absence thereof,  at
the legal rate  prevailing  from time to time at the place  where the Project is
located. (Insert rate of interest agreed upon, if any.)

     (      ) per annum

(Usury laws and  requirements  under the Federal  Truth in Lending Act,  similar
state and local  consumer  credit laws and other  regulations at the Owner's and
Contractor's  principal  places of  business,  the  location  of the Project and
elsewhere  may affect the validity of this  provision.  Legal  advice  should be
obtained  with  respect  to  deletions  or  modifications,  and  also  regarding
requirements such as written disclosures or waivers.)

Section  7.3 The Owner's representative is:
(Name, address and other information)

Mr. Ralph Fauling, Vice President
Community Bankshares, Inc.
791 Broughton Street
Orangeburg, South Carolina 29115
Telephone Number:  (803) 535-1060


Section  7.4 The Contractor's representative is:
(Name, address and other information)

Mr. Harrell Crider, Project Manager
C. F. Evans & Company, Inc.
P. O. Box 1686
Orangeburg, South Carolina 29116-1686
Telephone Number:  (803) 536-6443
Fax Number:  (803) 531-4629


Section 7.5 Neither the  Owner's nor the  Contractor's  representative  shall be
changed without ten days written notice to the other party.

Section 7.6 Other provisions:

ARTICLE 8   ENUMERATION OF CONTRACT DOCUMENTS

Section  8.1 The  Contract  Documents,  except for  Modifications  issued  after
execution of this Agreement, are enumerated as follows:

Section  8.1.1 The  Agreement is this executed 1997 edition of the Standard Form
of Agreement Between Owner and Contractor, AIA Document A101-1997.

Section  8.1.2  The  General  Conditions  are the 1997  edition  of the  General
Conditions of the Contract for Construction, AIA Document A201-1997.

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<PAGE>

Section 8.1.3 The  Supplementary  and other Conditions of the Contract are those
contained in the Project Manual dated , and are as follows

        Document                            Title                       Pages


Section 8.1.4 The Specifications are those contained in the Project Manual dated
as in Section 8.1.3, and are as follows: (Either list the Specifications here or
refer to an exhibit attached to this Agreement.)

See Exhibit A - Drawings and Specifications

Section 8.1.5 The Drawings are as follows, and are dated unless a different date
is shown below:  (Either list the Drawings here or refer to an exhibit  attached
to this Agreement.)

Title of Drawings exhibit:  See Exhibit A - Drawings and Specifications

Section  8.1.6 The Addenda, if any, are as follows:

        Number                   Date                             Pages


Portions  of  Addenda  relating  to  bidding  requirements  are not  part of the
Contract  Documents unless the bidding  requirements are also enumerated in this
Article 8.

Section 8.1.7 Other documents,  if any,  forming part of the Contract  Documents
are as follows:

(List  here any  additional  documents  that are  intended  to form  part of the
Contract  Documents.  AIA Document A201-1997 provides that bidding  requirements
such as  advertisement  or invitation to bid,  Instructions  to Bidders,  sample
forms and the  Contractor's  bid are not part of the Contract  Documents  unless
enumerated in this Agreement.  They should be listed here only if intended to be
part of the Contract Documents.)

General Conditions of Construction, AIA Document A-201, 1997 Edition


This Agreement is entered into as of the day and year first written above and is
executed in at least three original  copies,  of which one is to be delivered to
the  Contractor,  one to the  Architect  for  use in the  administration  of the
Contract, and the remainder to the Owner.


-------------------------------------      -------------------------------------
OWNER (Signature)                          CONTRACTOR (Signature)
Ralph Fauling, Vice President              John P. Evans, President
-------------------------------------      -------------------------------------
(Printed name and title)                   (Printed name and title)





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