<PAGE>

                                                                   EXHIBIT 10.1


                                 EVERGREEN BANK

                             2000 STOCK OPTION PLAN

        SECTION 1. Purpose. The purpose of this Evergreen Bank 2000 Stock Option
Plan (this "Plan") is to provide a means whereby Evergreen Bank (the "Bank") may
continue to attract, motivate and retain selected employees, officers, and
directors (subject to the restrictions contained in Sections 2 and 4) and to
encourage stock ownership in the Bank through granting incentive stock options
and/or nonqualified stock options to purchase the Common Stock of the Bank (as
defined in Section 3), so that such key employees will more closely identify
their interests with those of the Bank and its shareholders.

        SECTION 2. Administration. This Plan shall be administered by the Board
of Directors of the Bank (the "Board") or, in the event the Board shall appoint
or authorize a committee to administer this Plan, by such committee. The
administrator of this Plan shall hereinafter be referred to as the "Plan
Administrator."

           2.1 Procedures. The Board may designate one of the members of the
Plan Administrator as chairperson. The Plan Administrator may hold meetings at
such times and places as it shall determine. The acts of a majority of the
members of the Plan Administrator present at meetings at which a quorum exists,
or acts reduced to or approved in writing by all Plan Administrator members,
shall be valid acts of the Plan Administrator.

           2.2 Responsibilities. Except for the terms and conditions explicitly
required in this Plan, the Plan Administrator shall have the authority, in its
discretion, to determine all matters relating to the options to be granted under
this Plan, including selection of the individuals to be granted options, the
number of shares to be subject to each option, the exercise price, and all other
terms and conditions of the options. Grants under this Plan need not be
identical in any respect, even when made simultaneously. The interpretation and
construction by the Plan Administrator of any terms or provisions of this Plan
or any option issued under this Plan, or of any rule or regulation promulgated
in connection with this Plan, shall be conclusive and binding on all interested
parties, so long as such interpretation and construction with respect to
incentive stock options correspond to the requirements of Section 422 of the
Internal Revenue Code (the "Code"), as amended, and the regulations thereunder.

           2.3 Section 16(b) Compliance and Bifurcation of Plan. It is the
intention of the Bank that this Plan and options granted under this Plan comply
in all respects with Rule 16b-3 under the Exchange Act and, if any Plan
provision is later found not to be in compliance with such Rule, the provision
shall be deemed null and void, and in all events this Plan shall be construed in
favor of its meeting the requirements of Rule 16b-3. Notwithstanding anything in
this Plan to the contrary, the Board, in its absolute discretion, may bifurcate
this Plan so as to restrict, limit or condition the use of any provision of this
Plan to participants who are officers and directors subject to Section 16(b) of
the Exchange Act without so restricting, limiting or conditioning other Plan
participants.



                                                                               1
<PAGE>

        SECTION 3. Stock Subject to This Plan. The stock subject to this Plan
shall be the Bank's Common Stock (the "Common Stock"), presently authorized but
unissued or now held or subsequently acquired by the Bank as treasury shares.
Subject to adjustment as provided in Section 7 of this Plan, the aggregate
amount of Common Stock to be delivered upon the exercise of all options granted
under this Plan shall not exceed 66,000 shares as such Common Stock was
constituted on the effective date of this Plan. If any option granted under this
Plan expires or is surrendered, exchanged for another option, canceled or
terminated for any reason without having been exercised in full, the unpurchased
shares subject to such option shall again be available for purposes of this
Plan, including for replacement options which may be granted in exchange for
such surrendered, canceled or terminated options. In no event shall a single
individual receive a grant, or series of grants, during a single calendar year
for more than 5,000 shares.

        SECTION 4. Eligibility. An incentive stock option may be granted only to
an individual who, at the time the option is granted, is an employee of the Bank
(or a related corporation) and who the Board may from time to time select for
participation in this Plan. Members of the Board shall not be eligible for
grants of incentive stock options unless they are also employees of the Bank. At
the discretion of the Plan Administrator, employees, officers, independent
contractors and directors of the Bank (including nonemployee directors) may
receive nonqualified stock options. Any party to whom an option is granted under
this Plan shall be referred to in this Plan as an "Optionee."

        SECTION 5. Terms and Conditions of Options. Options granted under this
Plan shall be evidenced by written agreements which shall contain such terms,
conditions, limitations and restrictions as the Plan Administrator shall deem
advisable and which are not inconsistent with this Plan. Notwithstanding the
foregoing, options shall include or incorporate by reference the following terms
and conditions:

           5.1 Number of Shares. The maximum number of shares that may be
purchased pursuant to the exercise of each option shall be as established by the
Plan Administrator.

           5.2 Price of Shares. The price per share at which each option is
exercisable (the "exercise price") shall be as established by the Plan
Administrator, provided that the Plan Administrator shall act in good faith to
establish the exercise price as follows:

               5.2.1 Incentive Stock Options. With respect to incentive stock
options intended to qualify under Section 422 of the Internal Revenue Code, and
subject to subsection 5.2.3 below, the exercise price shall be not less than the
fair market value per share of the Common Stock at the time the option is
granted.

               5.2.2 Nonqualified Stock Options. With respect to nonqualified
stock options, the exercise price shall be the amount set by the Plan
Administrator.

               5.2.3 Incentive Stock Options to Greater than 10% Shareholders.
With respect to incentive stock options granted to greater than 10%
shareholders, the exercise price shall be as required by Section 6.



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<PAGE>

               5.2.4 Fair Market Value. The fair market value per share of the
Common Stock for the purpose of determining the exercise price under this
Section 5.2 shall be determined by the Board in good faith at the time the
option is granted.

           5.3 Term and Maturity. Subject to the restrictions contained in
Section 6 with respect to granting incentive stock options to greater than 10%
shareholders, the term of each incentive stock option shall be ten (10) years
from the date it is granted unless a shorter period of time is established by
the Plan Administrator. The term of each nonqualified stock option shall also be
ten (10) years from the date it is granted unless a shorter or longer period of
time is established by the Plan Administrator. To ensure that the Bank or
related corporation will achieve the purpose and receive the benefits
contemplated in this Plan, any option granted to any Optionee under this Plan
shall, unless the condition of this sentence is waived or modified in the
agreement evidencing the option or by resolution adopted by the Plan
Administrator, be exercisable according to the following schedule:


<TABLE>
<CAPTION>
           Period of Optionee's Continuous
            Relationship With the Bank or
               Related Corporation From                               Portion of Total Option
            the Date the Option Is Granted                              Which Is Exercisable
            ------------------------------                              --------------------
<S>                 <C>                                                      <C>
                     after 1 year                                                20%
                     after 2 years                                               40%
                     after 3 years                                               60%
                     after 4 years                                               80%
                     after 5 years                                               100%
</TABLE>

           5.4 Exercise. Subject to the vesting schedule described in subsection
5.3 above and to any additional holding period required by applicable law, each
option may be exercised in whole or in part; provided, however, that only whole
shares will be issued pursuant to the exercise of any option. During an
Optionee's lifetime, any incentive stock options granted under this Plan are
personal to him or her and are exercisable solely by such Optionee. Options
shall be exercised by delivery to the Bank of notice of the number of shares
with respect to which the option is exercised, together with payment of the
exercise price.

           5.5 Payment of Exercise Price. Payment of the option exercise price
shall be made in full at the time the notice of exercise of the option is
delivered to the Bank and shall be in cash, bank certified or cashier's check or
personal check (unless at the time of exercise the Plan Administrator in a
particular case determines not to accept a personal check) for the Common Stock
being purchased.

           The Plan Administrator can determine at the time the option is
granted for incentive stock options, or at any time before exercise for
nonqualified stock options, that additional forms of payment will be permitted,
including installment payments on such terms and over such period as the Plan
Administrator may determine in its discretion.

           5.6 Withholding Tax Requirement. The Bank or any related entity shall
have the right to retain and withhold from any payment of cash or Common Stock
under this Plan the



                                                                               3
<PAGE>

amount of taxes required by any government to be withheld or otherwise deducted
and paid with respect to such payment. At its discretion, the Bank may require
an Optionee receiving shares of Common Stock to reimburse the Bank or a related
entity for any such taxes required to be withheld and may withhold any
distribution in whole or in part until the Bank, or related entity, is so
reimbursed. In lieu of such withholding or reimbursement, the Bank (or related
entity) shall have the right to withhold from any other cash amounts due or to
become due from the Bank (or related entity) to the Optionee an amount equal to
such taxes or to retain and withhold a number of shares having a market value
not less than the amount of such taxes required to be withheld as reimbursement
for any such taxes and cancel (in whole or in part) any such shares so withheld.

           5.7 Nontransferability of Option. Options granted under this Plan and
the rights and privileges conferred by this Plan may not be transferred,
assigned, pledged or hypothecated in any manner (whether by operation of law or
otherwise) other than by will or by the applicable laws of descent and
distribution. Options under this Plan shall not be subject to execution,
attachment or similar process. Any attempt to transfer, assign, pledge,
hypothecate or otherwise dispose of any option under this Plan or of any right
or privilege conferred by this Plan, contrary to the Code or to the provisions
of this Plan, or the sale or levy or any attachment or similar process upon the
rights and privileges conferred by this Plan shall be null and void.
Notwithstanding the foregoing, an Optionee may during the Optionee's lifetime,
designate a person who may exercise the option after the Optionee's death by
giving written notice of such designation to the Plan Administrator. Such
designation may be changed from time to time by the Optionee by giving written
notice to the Plan Administrator revoking any earlier designation and making a
new designation.

           5.8 Termination of Relationship.

               5.8.1 Termination Other Than Termination For Cause, Death or
Total Disability. If the Optionee's relationship with the Bank or any related
corporation ceases for any reason other than termination for cause, death or
total disability, and unless by its terms the option sooner terminates or
expires, then the Optionee may exercise, for a three (3) month period after such
cessation, that portion of the Optionee's option which is exercisable at the
time of such cessation. The Optionee's option, however, shall terminate at the
end of the three (3) month period following such cessation as to all Shares for
which it has not been exercised, unless such provision is waived in the
agreement evidencing the option or by resolution adopted by the Plan
Administrator. If, in the case of an incentive stock option, an Optionee's
relationship with the Bank or related corporation changes (i.e., from employee
to nonemployee, such as a consultant), such change shall constitute a
termination of an Optionee's employment with the Bank or related corporation and
the Optionee's incentive stock option shall terminate in accordance with this
subsection. Upon the expiration of the three (3) month period following
cessation of employment, the Plan Administrator shall have sole discretion in a
particular circumstance to extend the exercise period following such cessation
beyond that specified above. In the case of an incentive stock option, the
Optionee does not exercise the Optionee's option within three (3) months after
cessation of employment, the option will no longer qualify as an incentive stock
option under the Code.



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<PAGE>

               5.8.2 Termination For Cause. If an Optionee is terminated for
cause, any option granted under this Plan shall automatically terminate as of
the first discovery by the Bank of any reason for termination for cause, and
such Optionee shall have no right to purchase any shares pursuant to such
option. "Termination for cause" shall mean dismissal for willful material
misconduct or failure to discharge duties, conviction or confession of a crime
punishable by law (except minor violations), the performance of an illegal act
involving moral turpitude while purporting to act in the Bank's behalf, or
engaging in activities directly in competition or antithetical to the best
interests of the Bank. If an Optionee is suspended pending an investigation of
whether or not the Optionee shall be terminated for cause, all Optionee's rights
under any option granted under this Plan shall likewise be suspended during the
period of investigation.

               5.8.3 Termination Because of Total Disability. If an Optionee's
relationship with the Bank or any related corporation ceases because of a total
disability, the Optionee's option shall not terminate or, in the case of an
incentive stock option, cease to be treated as an incentive stock option until
the end of the 12-month period following such cessation (unless by its terms it
sooner terminates and expires). As used in this Plan, the term "total
disability" refers to a mental or physical impairment of the Optionee which is
expected to result in death or which has lasted or is expected to last for a
continuous period of 12 months or more and which causes the Optionee to be
unable, in the opinion of the Bank and two independent physicians and after
reasonable accommodation, to perform his or her duties for the Bank and to be
engaged in any substantial gainful activity. Total disability shall be deemed to
have occurred on the first day after the Bank and the two independent physicians
have furnished their opinion of total disability to the Plan Administrator.

               5.8.4 Transfer of Relationship Between Bank and Related Company.
For purposes of this subsection 5.8, a transfer of relationship between or among
the Bank and/or any related corporation (as defined in Section 5.8.6 below)
shall not be deemed to constitute a cessation of relationship with the Bank or
any of its related corporations.

               5.8.5 Military Leave, Sick Leave and Bona Fide Leave of Absence.
For purposes of this subsection 5.8, with respect to incentive stock options,
employment shall be deemed to continue while the Optionee is on military leave,
sick leave or other bona fide leave of absence (as determined by the Plan
Administrator). The foregoing notwithstanding, employment shall not be deemed to
continue beyond the first 90 days of such leave, unless the Optionee's
reemployment rights are guaranteed by statute or by contract.

               5.8.6 Related Corporation. As used in this Plan, the term
"related corporation," when referring to a subsidiary corporation, shall mean
any corporation (other than the Bank) which, at the time of the granting of the
option, is in an unbroken chain of corporations ending with the Bank, if stock
possessing 50% or more of the total combined voting power of all classes of
stock of each of the corporations other than the Bank is owned by one of the
other corporations in such chain. When referring to a parent corporation, the
term "related corporation" shall mean any corporation in an unbroken chain of
corporations ending with the Bank if, at the time of the granting of the option,
each of the corporations other than the Bank owns stock possessing 50% or more
of the total combined voting power of all classes of stock in one of the other
corporations in such chain.



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<PAGE>

           5.9 Death of Optionee. If an Optionee dies while he or she has a
relationship with the Bank or any related corporation or dies within the three
(3) month period (or 12-month period in the case of totally disabled Optionees)
following cessation of such relationship, any option held by such Optionee to
the extent that the Optionee would have been entitled to exercise such option,
may be exercised within one year after his or her death by the personal
representative of his or her estate or by the person or persons to whom the
Optionee's rights under the option shall pass by will or by the applicable laws
of descent and distribution.

           5.10 Status of Shareholder. Neither the Optionee nor any party to
which the Optionee's rights and privileges under the option may pass shall be,
or have any of the rights or privileges of, a shareholder of the Bank with
respect to any of the shares issuable upon the exercise of any option granted
under this Plan unless and until such option has been exercised.

           5.11 Continuation of Employment. Nothing in this Plan or in any
option granted pursuant to this Plan shall confer upon any Optionee any right to
continue in the employ of the Bank or of a related corporation, or to interfere
in any way with the right of the Bank or of any related corporation to terminate
his or her employment or other relationship with the Bank at any time.

           5.12 Modification and Amendment of Option. Subject to the
requirements of Code Section 422 with respect to incentive stock options and to
the terms and conditions and within the limitations of this Plan, the Plan
Administrator may modify or amend outstanding options granted under this Plan.
The modification or amendment of an outstanding option shall not, without the
consent of the Optionee, impair or diminish any of his or her rights or any of
the obligations of the Bank under such option. Except as otherwise provided in
this Plan, no outstanding option shall be terminated without the consent of the
Optionee. Unless the Optionee agrees otherwise, any changes or adjustments made
to outstanding incentive stock options granted under this Plan shall be made in
such a manner so as not to constitute a "modification" as defined in Code
Section 424(h) and so as not to cause any incentive stock option issued
hereunder to fail to continue to qualify as an incentive stock option as defined
in Code Section 422(b).

           5.13 Limitation on Value for Incentive Stock Options. As to all
incentive stock options granted under the terms of this Plan, to the extent that
the aggregate fair market value (determined at the time the incentive stock
option is granted) of the stock with respect to which incentive stock options
are exercisable for the first time by the Optionee during any calendar year
(under this Plan and all other incentive stock option plans of the Bank, a
related corporation or a predecessor corporation) exceeds $100,000, those
options (or the portion of an option) beyond the $100,000 threshold shall be
treated as nonqualified stock options. The previous sentence shall not apply if
the Internal Revenue Service publicly rules, issues a private ruling to the
Bank, any Optionee, or any legatee, personal representative or distributee of an
Optionee or issues regulations changing or eliminating such annual limit.

           5.14 Shareholders' Agreement. To the extent required by the Plan
Administrator upon exercise of an option, the Optionee shall agree to enter into
and be bound by the agreement then in effect, if any, between the Bank and its
shareholders relating to the



                                                                               6
<PAGE>

repurchase by the Bank of its outstanding Common Stock, or a similar agreement
that governs the Bank's repurchase of shares from Optionees under certain
circumstances.

        SECTION 6. Greater Than 10% Shareholders.

           6.1 Exercise Price and Term of Incentive Stock Options. If incentive
stock options are granted under this Plan to employees who own more than 10% of
the total combined voting power of all classes of stock of the Bank or any
related corporation, the term of such incentive stock options shall not exceed
five years and the exercise price shall be not less than 110% of the fair market
value of the Common Stock at the time the incentive stock option is granted.
This provision shall control notwithstanding any contrary terms contained in an
option agreement or any other document.

           6.2 Attribution Rule. For purposes of subsection 6.1, in determining
stock ownership, an employee shall be deemed to own the stock owned, directly or
indirectly, by or for his brothers, sisters, spouse, ancestors and lineal
descendants. Stock owned, directly or indirectly, by or for a corporation,
partnership, estate or trust shall be deemed to be owned proportionately by or
for its shareholders, partners or beneficiaries. If an employee or a person
related to the employee owns an unexercised option or warrant to purchase stock
of the Bank, the stock subject to that portion of the option or warrant which is
unexercised shall not be counted in determining stock ownership. For purposes of
this Section 6, stock owned by an employee shall include all stock actually
issued and outstanding immediately before the grant of the incentive stock
option to the employee.

        SECTION 7. Adjustments Upon Changes in Capitalization. The aggregate
number and class of shares for which options may be granted under this Plan, the
number and class of shares covered by each outstanding option and the exercise
price per share thereof (but not the total price), and each such option, shall
all be proportionately adjusted for any increase or decrease in the number of
issued shares of Common Stock of the Bank resulting from a split-up or
consolidation of shares or any like capital adjustment, or the payment of any
stock dividend.

           7.1 Effect of Reorganization or Change in Control.

               7.1.1 Conversion of Options on Stock for Stock Exchange. If the
shareholders of the Bank receive capital stock of another corporation ("Exchange
Stock") in exchange for their shares of Common Stock in any transaction
involving a merger, consolidation or reorganization, all options granted under
this Plan shall be converted into options to purchase shares of Exchange Stock.
The amount and price of converted options shall be determined by adjusting the
amount and price of the options granted under this Plan in the same proportion
as used for determining the number of shares of Exchange Stock the holders of
the Common Stock receive in such merger, consolidation or reorganization. The
vesting schedule set forth in the option agreement shall continue to apply for
the Exchange Stock.

               7.1.2 Change in Control. In the event of a "Change in Control,"
as defined in Section 7.1.3 below, any options or portions of such options
outstanding as of the date such Change in Control is determined to have occurred
that are not yet fully vested shall not become fully vested merely by the
occurrence of a Change in Control. Provided, in the event



                                       7
<PAGE>

that the option holder's employment shall be involuntarily terminated within one
(1) year following the Change in Control without cause as defined in Section
5.8.2, any options or portions of such options outstanding as of the date of
such termination shall become fully vested and exercisable.

               7.1.3 Definition of "Change in Control." As used herein, a
"Change in Control" shall be deemed to have occurred if: (A) a "person" (meaning
an individual, a partnership, or other group or association as defined in
Sections 13(d) and 14(d) of the Securities Exchange Act of 1934) acquires more
than fifty percent (50%) of the combined voting power of the outstanding
securities of the Bank having a right to vote at elections of directors; or (B)
the individuals who at the commencement date of this Agreement constitute the
Board of Directors (the "Incumbent Board") cease for any reason to constitute a
majority thereof, provided, however, that any person becoming a director
subsequent to the date hereof whose election, or nomination for election by the
Bank's shareholders was approved by a vote of at least a majority of the
directors comprising the Incumbent Board shall be, for purposes of this
subparagraph (B), considered as though he were a member of the Incumbent Board

           7.2 Fractional Shares. In the event of any adjustment in the number
of shares covered by any option, any fractional shares resulting from such
adjustment shall be disregarded and each such option shall cover only the number
of full shares resulting from such adjustment.

           7.3 Determination of Board to Be Final. All Section 7 adjustments
shall be made by the Board, and its determination as to what adjustments shall
be made, and the extent of such adjustments, shall be final, binding and
conclusive. Unless an Optionee agrees otherwise, any change or adjustment to an
incentive stock option shall be made in such a manner so as not to constitute a
"modification" as defined in Code Section 424(h) and so as not to cause his or
her incentive stock option issued hereunder to fail to continue to qualify as an
incentive stock option as defined in Code Section 422(b).

        SECTION 8. Securities Regulation. Shares shall not be issued with
respect to an option granted under this Plan unless the exercise of such option
and the issuance and delivery of such shares pursuant to the exercise of such
option shall comply with all relevant provisions of law, including, without
limitation, any applicable state securities laws, the Securities Act of 1933, as
amended, the Exchange Act, the rules and regulations promulgated thereunder, and
the requirements of any stock exchange upon which the shares may then be listed,
and shall be further subject to the approval of counsel for the Bank with
respect to such compliance, including the availability of an exemption from
registration for the issuance and sale of any shares under this Plan. Inability
of the Bank to obtain from any regulatory body having jurisdiction, the
authority deemed by the Bank's counsel to be necessary for the lawful issuance
and sale of any shares under this Plan or the unavailability of an exemption
from registration for the issuance and sale of any shares under this Plan shall
relieve the Bank of any liability in respect of the nonissuance or sale of such
shares as to which such requisite authority shall not have been obtained.



                                       8
<PAGE>

           As a condition to the exercise of an option, the Bank may require the
Optionee to represent and warrant at the time of any such exercise that the
shares are being purchased only for investment and without any present intention
to sell or distribute such shares if, in the opinion of counsel for the Bank,
such a representation is required by any relevant provision of the
aforementioned laws. At the option of the Bank, a stop-transfer order against
any shares of stock may be placed on the official stock books and records of the
Bank, and a legend indicating that the stock may not be pledged, sold or
otherwise transferred unless an opinion of counsel is provided (concurred in by
counsel for the Bank) stating that such transfer is not in violation of any
applicable law or regulation, may be stamped on stock certificates in order to
assure exemption from registration. The Plan Administrator may also require such
other action or agreement by the Optionees as may from time to time be necessary
to comply with the federal and state securities laws. THIS PROVISION SHALL NOT
OBLIGATE THE BANK TO UNDERTAKE REGISTRATION OF THE OPTIONS OR STOCK HEREUNDER.

           Should any of the Bank's capital stock of the same class as the stock
subject to options granted under this Plan be listed on a national securities
exchange, all stock issued under this Plan if not previously listed on such
exchange shall be authorized by that exchange for listing on such exchange prior
to the issuance of such stock.

        SECTION 9. Amendment and Termination.

           9.1 Board Action. The Board may at any time suspend, amend or
terminate this Plan, provided that except as set forth in Section 7, the
approval of the Bank's shareholders is necessary within 12 months before or
after the adoption by the Board of any amendment which will:

               (a) increase the number of shares which are to be reserved for
the issuance of options under this Plan;

               (b) permit the granting of stock options to a class of persons
other than those presently permitted to receive stock options under this Plan;
or

               (c) require shareholder approval under applicable law.

           Any amendment made to this Plan which would constitute a
"modification" to incentive stock options outstanding on the date of such
amendment, shall not be applicable to such outstanding incentive stock options,
but shall have prospective effect only, unless the Optionee agrees otherwise.

           9.2 Automatic Termination. Unless sooner terminated by the Board,
this Plan shall terminate ten years from the earlier of (a) the date on which
this Plan is adopted by the Board or (b) the date on which this Plan is approved
by the shareholders of the Bank. No option may be granted after such termination
or during any suspension of this Plan. The amendment or termination of this Plan
shall not, without the consent of the option holder, alter or impair any rights
or obligations under any option previously granted under this Plan.



                                                                               9
<PAGE>

        SECTION 10. Effectiveness of This Plan. This Plan shall become effective
upon adoption by the Board so long as it is approved by the Bank's shareholders
any time within 12 months before or after the adoption of this Plan.

           Adopted by the Board of Directors on February 17, 2000, and approved
by the shareholders on April 20, 2000.



                                            EVERGREEN BANK



                                            By   /s/  Gerald O. Hatler
                                               --------------------------------

                                            Its   President & CEO
                                               --------------------------------



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