<PAGE>   1
                                                                     EXHIBIT 10P




                                       LEASE AGREEMENT

      THIS LEASE AGREEMENT made the 6th day of APRIL, 1996, to be effective
February 1, 1996, by and between WILLIAMSBURG SHOPPING CENTERS, INC., a Virginia
corporation with its principal place of business at 9330 Mellenbrook Road,
Columbia, Maryland 21045 (the "Landlord") and GEORGE MASON BANK, a Virginia
corporation with its principal place of business at 4221 Walney Road, Chantilly,
Virginia 22021 (the "Tenant"):

      WITNESSETH, That:

1.    LEASED PREMISES:          In consideration of the covenants herein
                                contained, Landlord hereby lets to Tenant and
                                Tenant hires from Landlord that portion of the
                                building located at 6402 Williamsburg Boulevard,
                                Arlington, Virginia 22213, containing
                                approximately 1,200 square feet as shown on
                                "Exhibit A" attached hereto and made a part
                                hereof, with the right to use the parking areas
                                located on the property along with the other
                                tenants of the building, for a term of five (5)
                                years commencing on the 1st day of February,
                                1996, and ending on the 31st day of the January,
                                2001.

2.    RENT:                     Tenant hereby covenants and agrees to pay
                                Landlord the sum of THIRTY THOUSAND DOLLARS
                                ($30,000) per year for each year of the term of
                                this lease, in equal monthly installments of TWO
                                THOUSAND FIVE HUNDRED DOLLARS ($2,500), payable
                                in advance no later than the 1st day of every
                                calendar month of the term of this lease
                                (commencing on February 1, 1996), hereinafter
                                designated as the "base rent". All said payments
                                shall be made at the office of Landlord, set
                                forth above, or at such other place as Landlord
                                shall from time to time designate by written
                                notice. There shall be a late charge of $150 for
                                any monthly installment not received by the
                                fifth (5th) day of the month.

                                In addition, Tenant shall also pay as rent, its
                                proportionate share (5.4%) ("proportionate
                                share"), which is its square footage rented
                                versus total square footage of the building,
                                hereinafter referred to as its proportionate
                                share) of any real estate taxes and assessments
                                and sewer charges. (Currently taxes are due no
                                later than 1/2 on June 30 and 1/2 on December
                                30). Landlord shall notify Tenant of the receipt
                                of the tax bill and the amount of tax owed by
                                Tenant. Thereupon, Tenant shall pay Landlord its
                                share of the taxes and sewer charges no later
                                than five (5) days of receipt of such
                                notification by Landlord. Landlord shall further
                                prorate Tenant's proportionate share of taxes
                                and assessments to be paid by Tenant for any
                                partial tax periods occurring during the lease.




                                     - 1 -
<PAGE>   2
                                Notwithstanding anything to the contrary
                                contained in this Lease, "Real Estate Taxes"
                                shall not include any of the following:

                                1.       tax upon Landlord's net income or
                                         profits.

                                2.       federal, state or local income taxes,
                                         franchise, gift, transfer, excise,
                                         capital stock, estate, succession, or
                                         inheritance taxes.

                                3.       the portion of real estate taxes that
                                         is allocable to any building capital
                                         improvements made after the Building
                                         was fully assessed as a completed and
                                         occupied unit and the Lease was signed
                                         shall not be included, except to the
                                         extent that the additional improvements
                                         directly benefit all tenants, or at
                                         least directly benefit the Tenant.

                                4.       any fines, interest or penalties
                                         incurred by Landlord by reason of
                                         Landlord's failure to pay in a timely
                                         manner any real estate taxes.

                                5.       any taxes based on increases in
                                         assessed value due to (a) any sale,
                                         transfer or conveyance of the Building
                                         or Land including any of Landlord's
                                         right, title or interest thereto; (b)
                                         the creation of a net lease; (c) any
                                         mortgaging or refinancing of the
                                         Building or the Land; (d) improvements
                                         for other occupants of the property;
                                         (e) capital improvements to the
                                         Building which do not benefit Tenant;
                                         and (f) increases in the rentable area
                                         of the Building and additions to the
                                         Land.

                                Notwithstanding anything to the contrary
                                contained in this Lease, in the event any real
                                estate taxes are payable in installments over
                                time, then Landlord shall elect (or shall be
                                deemed for purposes hereof to have elected) to
                                pay such taxes over the maximum permissible
                                number of installments. Any interest or fee
                                charged by the taxing authority as a condition
                                to Landlord's right to pay such taxes in
                                installments may be included in real estate
                                taxes. Landlord shall pay all real estate taxes
                                by the date due, and shall, upon Tenant's
                                written request, furnish Tenant with evidence of
                                such payment. Real estate taxes shall be deemed
                                to assume that the Building and that portions of
                                the Land (including only that much of the
                                parking area required to satisfy existing
                                Arlington zoning requirements to fully park the
                                Building) upon which the Building is located
                                constitute a separate tax lot, and that the
                                Building is the only building on said portion of
                                the Land. If, however, either assumption is not
                                correct, then the real estate taxes attributable
                                to the Building shall be those allocated to the
                                Building on the tax rolls or the records of the
                                tax assessor. Notwithstanding anything to the
                                contrary contained in this Lease, Tenant shall
                                have the right to contest tax assessments if
                                Landlord does not, and to recover amounts
                                earlier paid resulting from a successful contest
                                together with

                                      - 2 -
<PAGE>   3
                                the reasonable costs of the contest (including
                                reasonable attorneys' fees).

3.    COMMON AREA
      MAINTENANCE:              Landlord agrees that it will properly maintain
                                and operate the Common Areas, as hereinafter
                                defined, and shall keep same in good order and
                                condition and maintain existing lighting. The
                                obligation of the Landlord shall consist of the
                                prompt repairing, re-striping, repaving,
                                resurfacing and resealing, when required, of the
                                Common Areas, the maintenance and repair of all
                                curbing and directional marker, the prompt
                                removal of snow and ice, landscaping, common
                                area utility usage, and maintaining existing
                                lighting during all hours of darkness that
                                Tenant shall be open for business. Landlord will
                                also assume responsibility for the maintenance
                                of any property boundary walls and catch basins
                                in the parking lot. Any trash removal costs for
                                the Common Areas shall not include any costs
                                attributable to the removal of trash of any
                                tenant in the Building. Common Areas shall be
                                defined as all Building sidewalks, ramps, paved
                                parking areas, paved service areas, signs,
                                lighting/and all means of ingress, egress,
                                acceleration, deceleration and circulation for
                                the aforesaid parking and service areas of the
                                Building to and from public streets and roadways
                                bordering the Building now or hereafter made
                                available or maintained by Landlord in
                                connection with the Building. All of the
                                aforesaid obligations of Landlord shall be
                                performed in accordance with good and accepted
                                shopping center practices throughout the term,
                                Landlord recognizing that the Common Areas must
                                be available, in good order and condition, to
                                serve Tenant's customers, employees and vendors.

                                Provided Landlord complies with the provisions
                                of this Article, Tenant agrees to pay to
                                Landlord its proportionate share of the Common
                                Area Maintenance ("CAM") costs incurred by
                                Landlord in fulfilling its obligations and for
                                no other costs. CAM costs will not include any
                                management, administrative, accounting, data
                                processing or audit fees; and will not include
                                capital expenditures or capital improvements
                                made by Landlord to the Common Areas. Any sum
                                payable to Landlord under this Article shall be
                                paid by Tenant within thirty (30) days, but not
                                more than twice annually, after receipt from
                                Landlord of demand therefor, accompanied by
                                detailed documentation, including copies of all
                                receipted bills and by a computation of Tenant's
                                percentage share.

                                "CAM Costs" shall mean only those normal,
                                reasonable and customary expenses, charges and
                                fees consistent with similar first-class office
                                buildings in Arlington County, Virginia which
                                are actually incurred by the Landlord but only
                                to the extent incurred in connection with the
                                management, operation, maintenance, servicing,
                                cleaning, and insuring of the demised premises
                                or the building containing the demised premises.
                                All CAM Costs shall be determined according to

                                      - 3 -
<PAGE>   4
                                generally accepted accounting principles,
                                consistently applied ("GAAP").

                                Notwithstanding anything to the contrary
                                contained in this Lease, in the event there
                                exists a conflict as to an expense which is
                                specified to be included in CAM Costs and is
                                also specified to be excluded from CAM Costs as
                                hereinafter described, the exclusions listed
                                below shall prevail and the expenses shall be
                                deemed excluded. Notwithstanding anything to the
                                contrary contained in this Lease, "CAM Costs"
                                shall not include the following:

                                (1) any ground lease rents;

                                (2) any and all costs, expense, fine and
                                interest payments (including but not limited to
                                capital expenditures) incurred or required to be
                                paid due to Landlord's failure to comply with
                                applicable Legal Requirements (hereinafter
                                defined);

                                (3) costs incurred for capital improvements
                                reasonably expected to reduce CAM Costs above
                                the amount actually saved as the result of such
                                capital improvements;

                                (4) costs incurred by Landlord for the repair of
                                damage to the building containing the demised
                                premises or the demised premises to the extent
                                that Landlord is entitled to be reimbursed by
                                insurance (or would have been entitled had
                                Landlord carried the insurance required to be
                                carried hereunder by the Landlord), or other
                                third parties, and costs attributable solely to
                                a particular tenant of the building containing
                                the demised premises;

                                (5) depreciation and amortization of any type,
                                except on materials, tools, supplies and vendor
                                type equipment purchased by Landlord to enable
                                Landlord to supply services Landlord might
                                otherwise contract for with a third party where
                                such depreciation and amortization would
                                otherwise have been included in the charge for
                                such third party's services, all as determined
                                according to GAAP, and when depreciation or
                                amortization is permitted or required, the item
                                shall be amortized over its reasonably
                                anticipated useful life;

                                (6) leasing commissions, attorney's fees, and
                                other costs and expenses incurred in connection
                                with negotiations or disputes with present or
                                prospective tenants or other third parties;

                                (7) subject to Item No. (3) above, costs of a
                                capital nature, including, without limitation,
                                capital improvements, capital repairs, capital
                                equipment and capital tools, all as determined
                                under GAAP;

                                      - 4 -
<PAGE>   5
                                (8) expenses in connection with services or
                                other benefits which are not offered to Tenant
                                or for which Tenant is charged directly but
                                which are not provided to another tenant or
                                occupant;

                                (9) costs incurred by Landlord due to the
                                violation by Landlord or any other tenants of
                                the terms and conditions of any lease;

                                (10) interest, principal, points and fees on
                                debt or amortization on any mortgage or
                                mortgages or any other debt instrument;

                                (11) any compensation paid to clerks.
                                attendants, or other persons in commercial
                                concessions operated by Landlord or in the
                                parking areas;

                                (12) rentals and other related expenses incurred
                                in leasing air conditioning systems, elevators
                                or other equipment ordinarily considered to be
                                of a capital nature;

                                (13) all items and services for which Tenant or
                                any other tenant reimburses or should be
                                reimbursing Landlord and which Landlord provides
                                selectively to one or more tenants (other than
                                Tenant) without reimbursement;

                                (14) advertising and promotional expenditures,
                                and costs of signs identifying the Landlord or
                                any tenant;

                                (15) electric power costs for which any tenant
                                directly contracts with the local public service
                                company;

                                (16) services provided and costs incurred in
                                connection with any operation of any retail,
                                restaurant or deli or garage operations, if any;

                                (17) costs incurred in connection with
                                replacing, repairing, retrofitting or upgrading
                                to comply with ADA, handicapped, life, fire and
                                safety codes in effect from time to time;

                                (18) costs incurred in connection with
                                alternatives to chlorofluorocarbons and related
                                equipment;

                                (19) wages, salaries, fees and fringe benefits
                                paid to administrative or executive personnel or
                                officers or partners of Landlord or management
                                agents or anyone else over the level of building
                                supervisor; wages, salaries, fees and fringe
                                benefits paid to administrative or executive
                                personnel or officers or partners of Landlord or
                                management agent; and wages, salaries, fees and
                                fringe benefits paid to construction supervisory
                                personnel;




                                      - 5 -
<PAGE>   6
                                (20) the cost of any repair made by Landlord
                                because of the condemnation or total or partial
                                destruction of the demised premises or the
                                building containing the demised premises;

                                (21) the cost of overtime or other expense to
                                Landlord due to Landlord's defaults or incurred
                                while performing work expressly provided in this
                                lease to be borne at Landlord's expense;

                                (22) allowances, concession, permits, licensees,
                                inspections, and other costs and expenses
                                incurred in completing, fixturing, renovating or
                                otherwise improving, decorating or redecorating
                                space for tenants (including Tenant),
                                prospective tenants or other occupants or
                                prospective occupants;

                                (23) after hours or overtime HVAC costs or
                                electricity costs if chargeable or charged
                                separately to other tenants;

                                (24) any cost representing an amount paid for
                                first class services and/or materials to a
                                related person, firm, or entity to the extent
                                such amount exceeds the amount that would be
                                paid for such first class services and/or
                                materials at the then existing market rates to
                                an unrelated person, firm, or entity;

                                (25) costs incurred due to the late payment of
                                taxes, utility bills or other amounts owing, so
                                long as Landlord was obligated to make such
                                payments and did not in good faith dispute the
                                amount of such payments;

                                (26) general overhead and general administrative
                                expenses and accounting, record-keeping and
                                clerical support of Landlord or the management
                                agent, except reasonable expenses incurred in
                                connection with the on-site operations of the
                                property management office, on a prorated basis
                                to the extent such operations are directly
                                servicing the Building;

                                (27) increased insurance premiums caused by
                                Landlord's or any tenant's hazardous or prior
                                acts or omissions;

                                (28) moving expense costs of tenants;

                                (29) costs incurred for any items to the extent
                                Landlord is entitled to or recovers under a
                                manufacturer's, materialmen's vendor's or
                                contractor's warranty;

                                (30) costs of acquisition of sculpture,
                                paintings, or other objects of art;



                                      - 6 -
<PAGE>   7
                                (31) the rent or expenses in lieu of rent for
                                any storage space or other facilities for the
                                benefit of Landlord;

                                (32) costs incurred to test, survey, clean up,
                                contain, abate, remove or otherwise remedy
                                hazardous materials and/or indoor air quality
                                problems;

                                (33) costs directly resulting from the
                                negligence or misconduct of Landlord or its
                                employees, agents, contractors or employees;

                                (34) costs or fees relating to the defense of
                                Landlord's title or interest;

                                (35) costs or expenses incurred by Landlord in
                                financing, refinancing, pledging, selling,
                                granting or otherwise transferring or
                                encumbering its ownership rights;

                                (36) cost of installing, operating and
                                maintaining any specialty service operated by
                                the Landlord, such as an athletic or
                                recreational club;

                                (37) any other expenses that under GAAP would
                                not be considered normal maintenance, repair,
                                management, or operation expenses. CAM Costs
                                shall be reduced by all cash discounts, trade
                                discounts or quantity discounts received by
                                Landlord or Landlord's managing agent in the
                                purchase of any goods, utilities or services. If
                                any amounts comprising CAM Costs are incurred
                                not just with respect to an office area, but
                                also with respect to a retail area, then
                                Landlord shall reasonably allocate such amounts
                                between the office and retail areas. Such
                                allocation shall be made on a fair and equitable
                                basis, based on the usage of or benefits
                                received from the service, utility or item in
                                question. Landlord shall not recover more than
                                100% of the CAM Costs actually incurred by
                                Landlord.


4.    USE OF PREMISES:          Tenant may use the demised premises or any part
                                thereof for any lawful purpose, including any
                                retail use and including the operation of a
                                branch bank. If the Tenant desires to use the
                                premises for other purposes it must obtain the
                                Landlord's prior written approval, which shall
                                not be unreasonably withheld. The Tenant
                                understands that in deciding whether to grant
                                such approval, the Landlord can consider the
                                economic effect of such change upon the other
                                tenants and the nature of the Building.

5.    ALTERATIONS:              Tenant shall have the right to install Automatic
                                Teller Machines (ATMs), night depositories,
                                alarm and security systems, vaults, safes, safe
                                deposit boxes, tellers' cages, etc., as required
                                for Tenant's business; and upon termination of
                                the Lease, Tenant may remove such installations
                                at it sole cost and expense. To the extent that
                                Tenant

                                      - 7 -
<PAGE>   8
                                installs vaults and safes, or undertakes
                                structural alterations, then, prior to
                                installation, Tenant shall take all necessary
                                actions to endure that such installation or
                                alteration does not adversely affect the
                                structural integrity of the Building. Tenant may
                                make any and all alterations to the demised
                                premises provided, however that if permits are
                                required from the applicable governmental
                                authorities as a precondition to undertaking
                                such alterations, Tenant shall provide copies of
                                its plans for such alterations, if any, to
                                Landlord.

6.    SIGNAGE:                  Tenant shall have the right to retain its
                                exterior building signage currently displayed. A
                                Pylon sign shall be erected by Landlord to
                                advertise the Shopping Center, Tenant shall have
                                the right to place a sign on such pylon in
                                accordance with the attached and incorporated
                                signage plan.

7.    REPAIRS AND
      RETURN OF
      PREMISES:                 Tenant shall, at its expense, keep the interior
                                nonstructural portions of the demised premises
                                (including floor coverings, ceiling tiles, paint
                                and plate glass and including plumbing, HVAC and
                                electrical systems contained within the demised
                                premises) in good working order and repair.
                                Except as otherwise provide above, Landlord
                                shall make all other repairs and replacements to
                                the demised premises and the building containing
                                the demised premises, including but not limited
                                to the roof, floor, walls and structural
                                portions of the demised premises, as well as the
                                HVAC system serving the demised premises. Tenant
                                agrees that the termination of this Lease, by
                                lapse of time or otherwise, to return said
                                demised premises to Landlord in as good
                                condition as when received, ordinary wear and
                                tear, casualty loss and loss by condemnation
                                accepted. In addition to the foregoing and
                                notwithstanding anything to the contrary
                                contained in this Lease, it is agreed that
                                Landlord and not Tenant shall be responsible for
                                complying with any present or future laws, rules
                                or regulations of federal, state, county,
                                municipal or other governmental authorities or
                                any of their departments, commissions, boards or
                                agencies or with any direction or recommendation
                                of any public officer or officers pursuant to
                                law, or with any orders or notices of the
                                National Board of Fire Underwriters or any
                                requirements of any insurer of the demised
                                premises or any part thereof, including but not
                                limited to The Americans With Disabilities Act.

8.    ASSIGNMENT &
      ALTERATIONS:              Tenant may assign this Lease or sublet all or
                                any portion of the demised premises for any
                                lawful retail use or as a branch bank without
                                the approval of the Landlord. Notwithstanding
                                the foregoing, in the event that Tenant's
                                sublessee or assignee intends to operate the
                                demised premises for the sale of fabric or
                                sewing notions, health and beauty aids, greeting
                                cards or prescription drugs or as a gift store,

                                      - 8 -
<PAGE>   9
                                drug store or candy store, Tenant's right to
                                sublease or assign shall be subject to
                                Landlord's prior written consent which shall not
                                be unreasonably withheld, conditioned or
                                delayed. All additions, fixtures and
                                improvements made in or upon said premises by
                                Landlord shall be the Landlord's property and
                                shall remain upon said demised premises at the
                                termination of the this Lease. Any additions,
                                fixtures and improvements made by the Tenant may
                                be removed by Tenant upon the termination of
                                this Lease, provided that Tenant makes any
                                necessary repairs to the area caused by the
                                removal.

9.    UTILITIES &
      HVAC:                     Landlord shall furnish the necessary plumbing,
                                electrical and HVAC systems to provide adequate
                                environmental conditions and use of the demised
                                premises all in quantities commensurate with
                                those expected in a first class office building
                                in the Arlington, Virginia area. The parties
                                acknowledge that the premises are currently
                                equipped with plumbing, electric and HVAC and
                                that Landlord will not be making any alterations
                                or modifications to those systems. In addition,
                                Landlord will not furnish such systems as are
                                made necessary by any approved improvements to
                                the premises made by Tenant including modifying
                                the sewer/drainage systems.

                                In addition, the Tenant shall be responsible for
                                its proportionate share of unmetered utility
                                charges. To the extent that the premises are
                                individually metered for electric, gas, and
                                water, Tenant shall arrange for those utilities
                                directly with the utility companies. Any such
                                utility bills shall be paid on time and any
                                charges for Tenant's proportionate share of
                                unmetered utility charges shall be paid within
                                five (5) days of receipt of written request for
                                payment.

                                In the event that Tenant is prevented from using
                                and does not use the demised premises or any
                                part thereof for five (5) consecutive business
                                days or ten (10) days in any twelve (12) month
                                period (the "Eligibility Period") as a result of
                                any damage or destruction to the demised
                                premises, or any repair, maintenance or
                                alteration performed by Landlord after the date
                                of this Lease which interferes with the Tenant's
                                use of the demised premises or any failure to
                                provide utility services or access to the
                                demised premises, or because of an eminent
                                domain proceeding or because of the presence of
                                hazardous substances in, on or around the
                                demised premises or the Building containing the
                                demised premises which could in the Tenant's
                                business judgment and taking into account the
                                Requirements of any governmental authority with
                                respect to hazardous substances, pose a health
                                risk to the occupants to the demised premises
                                (the foregoing circumstances being referred to
                                as the "Suspension Events") then, all rent and
                                all charges due hereunder shall be abated or
                                reduced, as the case may be, after expiration of
                                the Eligibility Period for such time that Tenant
                                continues to be so prevented from using and does
                                not use, the demised premises

                                      - 9 -
<PAGE>   10
                                or a portion thereof in the proportion that the
                                rentable area of the portion of the demised
                                premises that Tenant is prevented from using and
                                does not use, bears to the total rentable area
                                of the demised premises. However, in the event
                                that Tenant is prevented from so conducting, and
                                does not conduct its business in any portion of
                                the demised premises for a period of time in
                                excess of the Eligibility Period and the
                                remaining portion of the demised premises is not
                                sufficient to allow Tenant to effectively
                                conduct its business therein, and if Tenant does
                                not conduct its business from such remaining
                                portion, then for such time after the expiration
                                of the Eligibility Period during which Tenant is
                                so prevented from effectively conducting its
                                business therein, all rent and additional
                                charges for the entire demised premises shall be
                                abated. If Tenant's right to abatement occurs
                                because of an eminent domain taking and/or
                                because of damage or destruction to the demised
                                premises, Tenant's abatement period shall
                                continue until Tenant has been given sufficient
                                time, and sufficient access to the demised
                                premises to rebuild the portion of the demised
                                premises that is required to rebuild (if any) to
                                install its property, furniture, fixtures and
                                equipment, and to move in over one weekend. If
                                Tenant is prevented from using and does not use
                                substantially the entire demised premises for a
                                period of excess of thirty (30) days after a
                                Eligibility Period because of the occurrence of
                                a Suspension Event, Tenant may at its option
                                thereafter, terminate this Lease by notice in
                                writing to Landlord.

10.   DEFAULT:                  It is further covenanted and agreed by and
                                between the parties hereto that if Tenant shall
                                fail to pay the rent herein reserved, or any
                                installment thereof, within ten (10) days after
                                written notice from Landlord accurately stating
                                that the same has not been paid when due, or
                                Tenant shall fail to keep and perform any other
                                covenant or agreement herein on Tenant's part to
                                be performed, provided that Tenant shall have a
                                thirty (30) day cure period for any such default
                                or such longer period as is reasonable in the
                                circumstances given the nature of the obligation
                                and the ability to cure such default within the
                                prescribed time, then the term hereby created,
                                at the option of Landlord, shall cease and
                                terminate, and said nonpayment of rent or breach
                                of covenant shall operate as a Notice to Quit,
                                all and every other kind of notice to quit being
                                hereby expressly waived, and said Landlord or
                                its assigns shall have the right to distrain for
                                rent in arrears, or take such other action as
                                Landlord may be advised, and reentry by Landlord
                                shall not operate to cancel this lease, but all
                                liability herein imposed upon and assumed by
                                Tenant shall remain and continue. Landlord shall
                                have the right also to recover possession of
                                said premises forthwith upon any nonpayment of
                                rent and breach of covenant without any further
                                notice to quit or otherwise.




                                     - 10 -
<PAGE>   11
11.   RULES &
      REGULATIONS:              Tenant agrees to comply with all the reasonable
                                rules and regulations now or at any time
                                hereafter during the existence of this lease
                                adopted by Landlord, and posted in or about the
                                said building, or otherwise brought to the
                                attention of Tenant, provided that the same do
                                not conflict with any right of Tenant under this
                                lease. Landlord shall apply all such rules and
                                regulations equally to all tenants of the
                                Building contained in the demised premises.

12.   DAMAGE TO THE
      DEMISED
      PREMISES:                 If the demised premises shall be damaged by fire
                                or other cause, Landlord shall diligently and as
                                soon as practicable after such damage occurs
                                repair such damage to the demised premises
                                (excluding the Tenant's personal property) at
                                the expense of Landlord. Notwithstanding the
                                foregoing, (i) if the demised premises or the
                                building containing the demised premises is
                                damaged by fire or other cause to such an extent
                                that, in Landlord's or Tenant's reasonable
                                judgment, the damage cannot be substantially
                                repaired within two hundred (200) days after the
                                date of such damage then either Landlord or
                                Tenant within sixty (60) days from the date of
                                such damage may terminate this Lease by written
                                notice to the other. If either Landlord or
                                Tenant terminates this Lease, the rent and all
                                other charges due hereunder shall be apportioned
                                and paid to the date of such damage. If neither
                                Landlord nor Tenant so elects to terminate this
                                Lease but the damage required to be repaired by
                                Landlord is not repaired within two hundred
                                (200) days from the date of such damage (such
                                two hundred (200) day period to be extended by
                                the period of any delay outside the direct
                                control of Landlord plus a reasonable period for
                                a satisfactory settlement with any insurance
                                company involved), Tenant, within ten (10) days
                                from the expiration of such two hundred (200)
                                day period (as the same may be extended), may
                                terminate this Lease by written notice to
                                Landlord. During the period that Tenant is
                                deprived of the use of all or any portion of the
                                demised premises, all rent and other charges due
                                hereunder shall be abated.

13.   CONDEMNATION:             If, in Tenant's reasonable opinion, a
                                substantial portion of the demised premises or
                                the building containing the demised premises
                                shall be taken or condemned by any governmental
                                or quasi-governmental authority for any public
                                or quasi-public use or purpose (including,
                                without limitation, sale under threat of such a
                                taking), then the term of this Lease shall cease
                                and terminate as of the date when title vests in
                                such governmental or quasi-governmental
                                authority, and rent and all other charges due
                                hereunder shall be prorated to the date when
                                title vests in such governmental or
                                quasi-governmental authority. If, in Tenant's
                                reasonable opinion less than a substantial part
                                of the demised premises or the building
                                containing the demised premises is taken or
                                condemned by any governmental or
                                quasi-governmental authority for

                                     - 11 -
<PAGE>   12
                                any public or quasi-public use or purpose
                                (including, without limitation, sale under
                                threat of such a taking), all rent and other
                                charges due hereunder shall be reduced by the
                                ratio that the portion so taken bears to the
                                rentable square footage of the demised premises
                                before such taking, effective as of the date
                                when title vests in such governmental or
                                quasi-governmental authority, and this Lease
                                shall otherwise continue in full force and
                                effect. Tenant hereby agrees to make no claim
                                against the condemning authority for any portion
                                of the amount that may be awarded as
                                compensation or damages as a result of such
                                taking; provided, however, that Tenant may, to
                                the extent allowed by law, claim an award for
                                moving expenses and for the taking of any of
                                Tenant's personal property.

14.   NOTICES:                  All notices and demands authorized or required
                                to be given to Tenant and landlord hereunder
                                will be sent in writing by Certified Mail,
                                overnight courier service, or hand delivery to
                                the addresses, set forth above, or at such other
                                place as the parties shall from time to time
                                designate by written notice.

15.   INUREMENT
      & WAIVER:                 All covenants are, as the case may require,
                                binding and shall inure to the benefit not only
                                of Landlord and of Tenant, but also to their
                                respective heirs, legal representatives and
                                permitted assigns, unless otherwise contrary to
                                the provisions of this lease. Waiver of any
                                specific covenant or provision without this
                                lease. Waiver of any specific covenant or
                                provision within this lease agreement in any
                                single instance shall not operate as a blanket
                                waiver or otherwise affect any of the terms and
                                provisions herein, or of any subsequent breach
                                thereof.

16.   ACCESS TO
      PREMISES:                 Tenant further covenants that Landlord or its
                                agent shall have access to said premises at any
                                time after reasonable notice for the purpose of
                                inspection, or in the event of fire or other
                                property damage, or for the purpose of making
                                any repairs, emergency or otherwise, that
                                Landlord considers necessary or desirable.

17.   SUBORDINATION:            Provided Landlord provides to Tenant a
                                subordination, nondisturbance and attornment
                                agreement satisfactory in all respects to Tenant
                                from any mortgagee, Tenant agrees that the lien
                                of this leasehold shall be subordinated to the
                                lien of any construction loan or permanent
                                financing secured upon the said premises by
                                Landlord, which subordination shall be effected
                                by the recordation of a proper instrument among
                                appropriate land records by Landlord without
                                signature of Tenant. Tenant agrees to execute
                                such further reasonable assurances, including
                                subordination agreements and estoppel letters,
                                as may be reasonably required by Landlord.
                                Notwithstanding the foregoing or anything else
                                to the contrary in his lease, so long as

                                                  - 12 -
<PAGE>   13
                                Tenant is not in any breach of any material
                                provision of this lease, Tenant shall have the
                                sole right to quiet enjoyment, use and occupancy
                                of the demised premises without interruption or
                                interference from Landlord, any mortgagee or
                                lienholder or any other third party.

18.   RISK OF LOSS,
      INSURANCE:                Tenant agrees that all personal property in said
                                premises shall be and remain at the sole risk of
                                Tenant, and Landlord shall not be liable to
                                Tenant, its employees, agents, contractors,
                                business invitees, licensees, customers,
                                clients, family members, guests or other
                                persons, for any damage to or loss of such
                                personal property or bodily injury arising from
                                any act or acts of negligence of any person or
                                persons, or from the leaking roof, or from the
                                bursting, leaking or overflowing of water, sewer
                                or steam pipes, or from heating or plumbing
                                fixtures, or from any other cause whatsoever,
                                and Tenant agrees not to do anything or permit
                                anything to be done or brought on to the
                                premises which shall increase the rate of fire
                                or similar insurance on the building. If the
                                rate of fire or similar insurance on the
                                building increases because of Tenant's
                                possession of the property for any reason, such
                                increase shall be paid by Tenant no later than
                                five (5) days of receipt of such notification by
                                Landlord. Tenant agrees to indemnify and hold
                                Landlord, its offices and agents, harmless from
                                and against any and all liability and expense of
                                any nature, including court costs and attorney's
                                fees, arising out of or connected with Tenant's
                                use and occupancy of the premises. In addition,
                                Tenant agrees to maintain liability insurance
                                for bodily injury and property damage of at
                                least $1,000,000/$1,000,000.

                                In addition, Tenant shall pay its proportionate
                                share of insurance maintained by the Landlord on
                                the Building within five (5) days of receipt of
                                request for payment.

                                Notwithstanding anything to the contrary
                                contained in this Lease, beginning on the date
                                of this Lease and at all times thereafter during
                                the term of this Lease, the Landlord shall
                                maintain:

                                1. standard "all-risk" casualty insurance,
                                covering the demised premises and the building
                                containing the demised premises and all
                                leasehold improvements therein and all personal
                                property of Landlord located therein in amounts
                                at least equal to full replacement cost at the
                                time in question, but in no event less than such
                                coverage as is required to avoid coinsurance
                                provisions;

                                2. commercial general liability insurance
                                against claims for property damage or loss,
                                bodily injury or death, personal injury,
                                products liability, and contractual liability,
                                naming Tenant as an additional insured and
                                having a cross-liability endorsement, providing
                                combined single limit coverage on an occurrence
                                basis in the amount

                                     - 13 -
<PAGE>   14
                                of $1,000,000; such policy (or policies) shall
                                be primary coverage which do not contribute to
                                and are not in excess of coverage which Tenant
                                may carry.

                                3. employer's liability insurance with a minimum
                                limit of $1,000,000 for bodily injury;

                                4. workmen's compensation insurance in statutory
                                limits;

                                5. rental income insurance in an amount equal to
                                twelve (12) months of rent (including CAM costs
                                payable by Tenant) under this Lease; and

                                6. such other insurance coverages as are
                                customarily carried by similar landlords of
                                comparable first class office buildings located
                                in the Northern Virginia area.

                                In no event shall the limits of such policy be
                                considered as limiting the liability of Landlord
                                under this Lease.

                                At the Tenant's request the Landlord shall
                                furnish the Tenant a certificate or certificate
                                of insurance certifying that the insurance
                                coverage required hereby is in force. Any
                                insurance required by the terms of this Lease to
                                be carried by the Landlord may be under a
                                blanket policy (or policies) covering other
                                properties of the Landlord and/or its related or
                                affiliated corporations. If such insurance is
                                maintained under a blanket policy, the Landlord
                                shall procure and deliver to the Tenant a
                                statement from the insurer or general agent of
                                the insurer setting forth the coverage
                                maintained and the amounts thereof allocated to
                                the risks intended to be insured hereunder.
                                Notwithstanding any other provision of this
                                Lease, Landlord hereby waives any claims it may
                                hereafter have against Tenant on account of any
                                damage for which Landlord is covered by
                                insurance required to be carried by the Landlord
                                hereunder or under any other insurance actually
                                carried by Landlord.

                                Notwithstanding anything to the contrary
                                contained in this Lease, Landlord and Tenant
                                each waive any and all rights to recover against
                                the other or against any other tenant or
                                occupant of the building containing the demised
                                premises, or against the officers, directors,
                                shareholders, partners, joint venturers,
                                employees, agents, customers, invitees or
                                business visitors of such other party or of such
                                other tenant or occupant, for any loss or damage
                                to such waiving party arising from any cause
                                (whether or not such loss or damage is caused by
                                the fault or negligence of the other party or
                                anyone for whom said other party may be
                                responsible) covered by any insurance required
                                to be carried by such party pursuant to this
                                Lease (or which would have been covered by had
                                the insurance been carried as required hereby)
                                or

                                     - 14 -
<PAGE>   15
                                any such insurance actually carried by such
                                party to the extent of the limits of such
                                policy. Landlord and Tenant will, from time to
                                time upon reasonable request by the other party,
                                cause their respective insurers to issue
                                appropriate waiver of subrogation rights
                                endorsements to all property insurance policies
                                as required hereunder. This provision is
                                intended to restrict each party to recovery
                                against insurance carriers and waive fully any
                                rights and/or claims which might give rise to a
                                right of subrogation in any insurance carrier.

19.   HOLDOVER:                 It is hereby agreed that, in the event Tenant
                                holds the premises over after the expiration of
                                the specific period provided in this lease, said
                                tenancy shall be at a rate per month equal to
                                125% of the monthly rent payable by Tenant
                                immediately preceding the expiration of this
                                Lease, and under the terms and conditions of
                                this lease.

20.   WAIVER OF
      EXEMPTIONS:               Tenant waives the benefit of the homestead or
                                any other exemption provided by law as to any of
                                its obligations hereunder.

21.   REGULATORY
      COMPLIANCE:               Landlord and Tenant each agree to comply with
                                all applicable federal, state and local laws,
                                rules, orders, ordinances and regulations,
                                including environmental. Landlord and Tenant
                                each represent that they are and will remain in
                                full compliance with all federal, state and
                                local statutes and regulations concerning
                                hazardous substances and will remedy at that
                                party's own expense and in an expeditious manner
                                any and all violations of the same for which
                                that party is responsible.

22.   EMINENT
      DOMAIN:                   If more than 10% of the demised premises is
                                taken by eminent domain or if a significant
                                portion of any parking areas are taken by
                                eminent domain so that Tenant's business cannot
                                be reasonably operated; this Lease may be
                                terminated by Tenant giving Landlord notice no
                                later than ninety (90) days from the date title
                                vests in the condemning authority. Landlord
                                shall be entitled to all damages and
                                compensation awarded for any taking, and Tenant
                                assigns to Landlord all its right to any such
                                award. Tenant, however, may claim any award made
                                specifically for fixtures and other equipment
                                installed by it, but only if such award shall be
                                made by the condemnation court in addition to
                                and stated separately from the award made by it
                                for the land and the building or part thereof so
                                taken, but Tenant shall not claim any award for
                                its leasehold.

23.   NATURE OF
      RELATIONSHIP:             The relationship between the parties is solely
                                that of Landlord and Tenant and nothing in this
                                Lease shall be construed to creating a
                                partnership or joint venture between the
                                parties.

                                     - 15 -
<PAGE>   16
24.   BROKERAGE:                The parties represent and warrant to each other
                                that they have had no dealings with any real
                                estate brokers regarding this lease and each
                                agrees to indemnify and hold the other harmless
                                from any claim for brokerage fee or commission
                                arising from their respective acts.

25.   GOVERNING LAW:            This Lease shall be governed and construed in
                                accordance with the laws of the State of
                                Virginia. The parties hereby waive all right to
                                trial by jury in any claim, action, proceeding,
                                or counterclaim by either of them against the
                                other or any matters arising out of or in any
                                way connected with this Lease, the relationship
                                of Tenant and Landlord and/or Tenant's use or
                                occupancy of the Leased Premises.

26.   SEVERABILITY:             If any provision of this Lease or any
                                application thereof shall be invalid, illegal,
                                or unenforceable, the validity, legality, and
                                enforceability of the remaining provisions
                                hereof and any other application thereof shall
                                not be impaired thereby.

27.   MODIFICATION:             This writing is intended by the parties as final
                                expression of their agreement and as a complete
                                and exclusive statement of the terms thereof,
                                all negotiations, considerations, and
                                representations between the parties having been
                                incorporated herein. No course of prior dealings
                                between the parties or their affiliates shall be
                                relevant or admissible to supplement, explain,
                                or vary any of the terms of this lease.
                                Acceptance of, or acquiescence in, a course of
                                performance rendered under this or any prior
                                agreement between the parties or their
                                affiliates shall not be relevant or admissible
                                to determine the meaning of any of the terms of
                                this Lease. No representations, understandings,
                                or agreements have been made or relied upon in
                                the making of this Lease other than those
                                specifically set forth herein. This Lease can
                                only be modified by a writing signed by all of
                                the parties or their duly authorized agents.
                                Time shall be of the essence with respect to all
                                of the parties' obligations hereunder.

28.   RIDER:                    The parties hereto have discussed the
                                possibility of Tenant relocating within the
                                Building. To cover that possibility, a Rider is
                                attached hereto and made a part hereof.

29.   SUB-LEASE:                It is understood and agreed by and between the
                                parties that Tenant's previous sub-lease is
                                hereby terminated.

30.   TENANT'S RIGHT
      TO AUDIT:                 Notwithstanding anything to the contrary
                                contained in this Lease, after receipt of
                                Landlord's annual audited reconciliation
                                statement, Tenant at its expense shall have the
                                right at all reasonable times and upon five (5)
                                business days notice to audit Landlord's books
                                and records relating to items affecting CAM
                                costs or real estate taxes for any prior or
                                subsequent calendar year(s) for which additional
                                rental payments become due.

                                     - 16 -
<PAGE>   17
                                Landlord shall fully cooperate with Tenant and
                                its auditor so as to facilitate the performance
                                of Tenant's audit. Tenant may review and copy
                                such documentation during normal business hours.
                                Tenant agrees to endeavor in good faith and use
                                its reasonable efforts to conduct the audit in a
                                manner which will cause minimum disruption to
                                the operation of the Building and the management
                                office.

                                In the event that it is determined that the
                                actual CAM costs or real estate taxes for any
                                calendar year, as chargeable to Tenant under
                                this Lease are less than the amount set forth in
                                the Landlord's reconciliation statement of such
                                charges submitted by Landlord for such year,
                                then Landlord shall reimburse Tenant for such
                                overcharge within thirty (30) days of receipt of
                                notice thereof.

        IN WITNESS WHEREOF, the parties to this Lease set their hands as of the
date hereinabove written.

Landlord:                               WILLIAMSBURG SHOPPING CENTER, 
                                        INC.

                                        By: /s/ GEORGE R. COLVIN, SR.
                                            ------------------------------
                                                GEORGE R. COLVIN, SR.
                                                Chairman

Tenant:                                 GEORGE MASON BANK

                                        By: /s/ KEVIN F. DECOSTE
                                            ------------------------------
                                        Name:   KEVIN F. DECOSTE
                                              ----------------------------
                                        Title:  EVP.
                                              ----------------------------




                                     - 17 -
<PAGE>   18
                                 RIDER TO LEASE

       THIS RIDER TO LEASE is dated the _____ day of __________, 1996 by and
between WILLIAMSBURG SHOPPING CENTERS, INC., a Virginia corporation ("Landlord")
and GEORGE MASON BANK ("Tenant") and is attached to and incorporated in a
certain Lease by and between the Landlord and Tenant of even date with respect
to space located at 6402 Williamsburg Boulevard, Arlington, Virginia, 22213.
Capitalized terms not otherwise defined herein shall have the meaning set forth
in the Lease. To the extent any provision herein conflicts with any provision of
said Lease, the terms and conditions of this Rider shall control.

FOR AND IN CONSIDERATION OF the mutual promises set forth in the Lease and other
good and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the parties agree as follows:

              1. For a period of twelve (12) months from the date hereof,
       Landlord may offer the demised premises for lease to a third party
       (subject however to Tenant's rights hereunder). If such third party
       agrees to lease the demised premises within the time period aforesaid,
       Tenant at its option may, by sending written notice to Landlord no later
       than ten (10) days after being informed by Landlord that such third party
       has agreed to lease the demised premises:

              A)    terminate the Lease 150 days after giving Landlord written
                    notice of its intent to so terminate

              B)    elect to remain in the demised premises upon the following
                    terms:

                         (i)       rent - $30,000 per year triple net payable in
                                          12 monthly installments

                        (ii)       term - 5 years from date of election

                       (iii)       renewal options -     1st 5 year extension at
                                                         $33,000 per year triple
                                                         net

                                                         -2nd 5 year extension
                                                         at $36,300 per year
                                                         triple net, or

              C)    elect to move into the space labeled "Adjacent Space" on
                    Exhibit A containing approximately 1,000 leasable square
                    feet of space upon the following terms:

                         (i)       rent - $25,000 per year triple net payable in
                                          12 monthly installments, rent to
                                          commence upon substantial completion
                                          of the Adjacent Space

                        (ii)       term - 5 years from date of substantial
                                          completion of the Adjacent Space

                       (iii)       renewal options -     1st 5 year extension at
                                                         $27,500 per year triple
                                                         net
<PAGE>   19
                                                   -     2nd 5 year extension at
                                                         $30,250 per year triple
                                                         net

                        (iv)       termination payment

                                   - if Tenant moves into the Adjacent Space but
                                   does not exercise the first renewal option,
                                   it shall pay Landlord upon expiration of the
                                   initial term of the Lease, the sum of
                                   $25,000.

                         (v)       buildout allowance

                                   - Landlord will contribute $50,000 toward the
                                   cost of completing the Adjacent Space to
                                   Tenant's specifications. Landlord will make
                                   best efforts to build the Adjacent Space and
                                   move the Tenant to the Adjacent Space in a
                                   manner to minimize the disruption of the
                                   Tenant's business activities.

              2. If Tenant exercises its option to move to the Adjacent Space,
       Tenant shall pay, based on monthly invoices, the cost of any work in
       excess of the $50,000 allocated portion of Tenant's allowance. Tenant
       shall be entitled, at its option, to a credit refund (payable at
       occupancy) to the extent Tenant does not use the entire allowance to
       cover the cost of completing the Adjacent Space.

             3. With respect to the Adjacent Space, all of the work to be done
       by Landlord in completing the Adjacent Space shall be substantially in
       accordance with the plans and specifications prepared by Tenant's
       architects and shall be done in compliance with all laws, ordinances,
       rules and regulations of all applicable governmental authorities. Upon
       Tenant's election to move into the Adjacent Space, Landlord shall
       immediately commence and proceed with due diligence to complete the
       Adjacent Space for Tenant's use and occupancy in accordance with Tenant's
       plans and specifications. All work shall be performed in a first class
       workmanlike manner and all materials shall be of first class quality.

       WITNESS THE FOLLOWING SIGNATURES AND SEALS:



Date: APRIL 6, 1996                LANDLORD:

                                   WILLIAMSBURG SHOPPING CENTERS, INC., a
                                   Virginia corporation



                                   By: /s/ GEORGE R. COLVIN, SR. (SEAL)
                                       --------------------------
                                   Name:   GEORGE R. COLVIN, SR
                                   Title:  CHAIRMAN

                                     - 19 -
<PAGE>   20
                                   TENANT:

                                   GEORGE MASON BANK


                                   By: /s/ KEVIN F. DECOSTE (SEAL)
                                       ---------------------
                                   Name:   Kevin F. DeCoste
                                   Title:  EVP




                                     - 20 -
<PAGE>   21
                       WILLIAMSBURG SHOPPING CENTERS, INC.
                              9330 MELLENBROOK ROAD
                               COLUMBIA, MD 21045

                                  APRIL 6, 1996

                      MINUTES - MEETING OF THE STOCKHOLDERS

A meeting being held at 1:00 PM this date of the stockholders of the
corporation. The following motions are put forth:

George R. Colvin, Jr., President, made a motion that will authorize George R.
Colvin, Sr., Chairman, to sign the lease between the corporation and the George
Mason Bank for the rental of 1,200 Square Feet of space in the shopping center
and as further described in said lease.

Mary M. Colvin, Secretary, seconds the motion.

A majority of stockholders being present and voting, the above motion is
unanimously approved.

                          In Witness Whereof, I have hereunto subscribed my name
                          and affixed the seal of this corporation on April 6,
                          1996.




     /s/ GEORGE R. COLVIN                         /s/ MARY M. COLVIN
     ------------------------                     ----------------------
             Attested                                   Secretary    




           [SIG]                
     -------------------------        
             Attested