<PAGE>

                                   FORM 10-K
                      SECURITIES AND EXCHANGE COMMISSION
                            Washington, D.C.  20549

                    ANNUAL REPORT UNDER SECTION 13 OR 15(d)
                    OF THE SECURITIES EXCHANGE ACT OF 1934

For the fiscal year ended December 31, 2000       Commission File Number 0-11172

             FIRST CITIZENS BANCORPORATION OF SOUTH CAROLINA, INC.
             -----------------------------------------------------
             (Exact name of registrant as specified in its charter)


          State of South Carolina                           57-0738665
          ------------------------------------------------------------
 (State or other jurisdiction of            (IRS Employer Identification No.)
  incorporation or organization)

          1230 Main Street
          Columbia, South Carolina                             29201
          ----------------------------------------------------------
     (Address of principal executive offices)                  (Zip Code)

      Registrant's telephone number including area code   (803)  733-3456
      -------------------------------------------------------------------

       Securities Registered Pursuant to Section 12(b) of the Act:  None

Securities Registered Pursuant to Section 12(g) of the Act:  Common Stock, $5.00
                                   par value

Indicate by check mark whether the Registrant (1) has filed all reports required
to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during
the preceding 12 months (or for such shorter period that the Registrant was
required to file such reports), and (2) has been subject to such filing
requirements for the past 90 days.

YES [X]  NO [_]

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405
Regulation S-K is not contained herein, and will not be contained, to be the
best of registrant's knowledge, in definitive proxy or information statements
incorporated by reference in Part III of this Form 10-K or any amendment to this
Form 10-K. [_]

The aggregate market value of the Registrant's Voting and Nonvoting Common Stock
held by non-affiliates as of March 9, 2001 was $136,493,708.

As of March 9, 2001, there were 899,717 outstanding shares of the Registrant's
Voting Common Stock, $5.00 par value per share, and 36,409 outstanding shares
of its Non-Voting Common Stock, $5.00 par value per share.

                      DOCUMENTS INCORPORATED BY REFERENCE
                      -----------------------------------

  (1) Portions of the Registrant's Annual Report to Shareholders for the fiscal
  year ended December 31, 2000, are incorporated by reference into Part II.

  (2) Portions of the Registrant's definitive Proxy Statement dated March 26,
  2001, for the Annual Meeting of Shareholders to be held April 25, 2001, are
  incorporated by reference into Part III.
<PAGE>

  PART I.

Item 1.  Business

     General.  First Citizens Bancorporation of South Carolina, Inc.
("Bancorporation" or "Registrant") was incorporated under the laws of South
Carolina during 1982.  It owns all of the outstanding stock of its two banking
subsidiaries, First-Citizens Bank and Trust Company of South Carolina ("FCB")
and The Exchange Bank of South Carolina, Inc. ("Exchange").

     FCB was formed in 1969 as the resulting bank from the merger of Citizens
Bank (which was organized during 1936 as Anderson Brothers Bank) and The
Commercial Bank and Trust Company (which was organized during 1913 as Homestead
Bank).  At December 31, 2000, FCB operated 143 banking offices in 93 communities
located throughout South Carolina.

     Exchange was organized in 1932 as The Exchange Bank of Kingstree and was
acquired by Bancorporation during 1999.  It provides banking services through
four offices located in Williamsburg and Georgetown Counties in South Carolina.

     Bancorporation also is the parent company of FCB/SC Capital Trust I
("FCB/SC"), a Delaware business trust which was organized during 1998 for the
sole purpose of issuing and selling $50,000,000 aggregate liquidation amount of
8.25% capital securities.  The net proceeds from such sale, together with the
proceeds from FCB/SC's issuance of its common securities to Bancorporation, were
invested in a like aggregate face amount of Bancorporation's 8.25% junior
deferrable interest subordinated debentures which mature on March 15, 2028.  The
capital securities and the junior subordinated debentures are subject to
optional redemption at any time on or after March 15, 2008.  Bancorporation has
entered into a guaranty agreement which, when taken together with its
obligations under the trust agreement under which FCB/SC exists, the junior
subordinated debentures, and the indenture under which the debentures were
issued, provides a full and unconditional guarantee on a subordinated basis by
Bancorporation of FCB/SC's payment of distributions and other payments on the
capital securities.

     Bancorporation's executive offices are located at 1230 Main Street,
Columbia, South Carolina 29201, and its telephone number is (803) 733-2659.

     Bancorporation's principal assets are its investments in and receivables
from its two banking subsidiaries and its investment securities portfolio.  Its
primary sources of income are dividends from its banking subsidiaries and
interest income on its investment securities portfolio.  Certain laws and
regulations restrict the ability of FCB and Exchange to transfer funds to
Bancorporation in the form of cash dividends or loans.

     Services.  FCB and Exchange provide a full range of banking and financial
services to individuals, small- and medium-sized businesses and governmental
units located in their banking markets, including regular and interest checking
accounts, money market, savings and time deposit accounts, personal and business
loans, trust services, and a variety of other services incidental to commercial
banking.  Wateree Enterprises, Inc., a subsidiary of FCB, through its
subsidiary, Wateree Life Insurance Company, issues credit life and accident and
health insurance.  Wateree Agency, Inc., another subsidiary of Wateree
Enterprises, Inc., acts as agent for the sale of insurance to FCB's customers.

     As further discussed below, during 2000, Bancorporation became a financial
holding company, a designation that allows Bancorporation to offer financial
products and services that a bank holding company may not provide without that
designation.
<PAGE>

     Employees.  At December 31, 2000, Bancorporation and its subsidiaries
employed a full-time staff of 1,268 and a part-time staff of 227 for a total of
1,495 employees.

     Supervision and Regulation.  Bancorporation is subject to the jurisdiction
of the Board of Governors of the Federal Reserve System (the "FRB") under the
Bank Holding Company Act of 1956, as amended (the "BHC Act").  Under the BHC
Act, Bancorporation is subject to supervision and examination by, and the
regulations and reporting requirements of, the FRB, and its activities are
limited to those permitted to financial holding companies.  Bancorporation is
required to obtain the prior approval of the FRB before it may acquire direct or
indirect control of more than 5% of the outstanding voting stock, or
substantially all of the assets of, any other bank or bank holding company.
Additionally, the BHC Act prohibits Bancorporation from acquiring ownership or
control of more than 5% of the outstanding voting stock of any company engaged
in an activity that is not permitted for financial holding companies.

     Bank holding companies are required to serve as a source of financial
strength for their depository institution subsidiaries, and, if their depository
institution subsidiaries become undercapitalized, bank holding companies may be
required, subject to certain limits, to guarantee compliance by those
subsidiaries with capital restoration plans filed with their regulators.

     During 2000, Bancorporation declared itself to be a financial holding
company under the provisions of the BHC Act as it was amended by the federal
Gramm-Leach-Bliley Act enacted in 1999 (the "GLB Act").  The GLB Act
dramatically changed various federal laws governing the banking, securities, and
insurance industries.  The economic effects of the GLB Act on the banking
industry, and competitive conditions in the financial services industry
generally, may be profound.  The GLB Act may expand opportunities for
Bancorporation to provide other services and obtain other revenues in the
future, and also may present new competitive challenges.

     As a financial holding company under the BHC Act, Bancorporation may offer
financial products and services in addition to those permissible for a bank
holding company that is not also a financial holding company, some of which
(including certain types of insurance underwriting) may be offered only through
a direct non-bank subsidiary of Bancorporation rather than through a bank
subsidiary or a subsidiary of a bank subsidiary.  To continue to be eligible to
offer these expanded products and services, Bancorporation must continue to be
"well capitalized" and "well managed" under federal banking regulations.  Also,
Bancorporation's performance of its obligations under the federal Community
Reinvestment Act must be deemed to be satisfactory, on a continuing basis, for
new financial products and services to be offered.

     The internal affairs of Bancorporation, including the rights of its
shareholders, are governed by South Carolina law and by its Articles of
Incorporation and Bylaws.  Bancorporation files periodic reports under the
Securities Exchange Act of 1934 and is subject to the jurisdiction of the
Securities and Exchange Commission.

     As insured, state-chartered banks that are not members of the Federal
Reserve System, FCB and Exchange each is subject  to supervision and examination
by, and the regulations and reporting requirements of, the South Carolina State
Board of Financial Institutions (the "SC Board") and the Federal Deposit
Insurance Corporation.  Absent approval of the FDIC, they are prohibited from
engaging as principal in activities that are not permitted for national banks,
and they are prohibited from acquiring or retaining any equity investment of a
type not permitted for national banks.

     As subsidiaries of Bancorporation, FCB and Exchange are subject to
restrictions under federal law on the amount of, and their ability to enter
into, transactions with, or investments in the securities of, Bancorporation and
certain other affiliated entities.  Though they are not members of the Federal
Reserve System, FCB and Exchange are subject to the FRB's reserve requirements
applicable to all banks, and their businesses are significantly influenced by
the fiscal policies of the FRB. The actions and policy directives of the FRB
determine to a significant degree FCB's and Exchange's cost and the availability
of funds and the rates of interest charged on their loans and paid on their
deposits.
<PAGE>

     The FDIC, SC Board and FRB have broad powers to enforce laws and
regulations applicable to Bancorporation, FCB and Exchange, and to require
corrective action of conditions affecting the safety and soundness of FCB and
Exchange.  Among others, these powers include cease and desist orders, the
imposition of civil penalties and the removal of officers and directors.

     Statistical Data.  Certain statistical disclosures for bank holding
companies required by Guide 3 are included in the section entitled "Management's
Discussion and Analysis of Financial Condition and Results of Operations" on
pages 5 through 26 of Bancorporation's 2000 Annual Report to Shareholders which
is incorporated herein by reference in Item 7 of this Report.

     Competition.  FCB and Exchange (collectively, the "Banks") compete in their
local markets throughout the state with other depository institutions and
various other companies or firms that engage in similar activities.  The Banks
compete for deposits with other commercial banks, savings banks and credit
unions and with the issuers of commercial paper and other securities, such as
shares in money market funds. In making loans, the Banks compete with other
commercial banks, savings banks, credit unions, consumer finance companies,
leasing companies and other lenders.  In addition, competition for personal and
corporate trust services is offered by insurance companies, other businesses and
individuals.

     Changes in state and federal laws to permit interstate banking has
increased competition in the Banks' local markets.  A number of large bank
holding companies located in other states and having consolidated resources
greater than those of Bancorporation (among them, four of the largest in the
Southeastern United States) have acquired banks located in South Carolina with
which the Banks compete in its local markets.

Item 2.  PROPERTIES

Bancorporation owns in fee simple one piece of property having a book value at
December 31, 2000 of $60,160.  To the limited extent necessary, it occupies
space owned by FCB.  Bancorporation's and FCB's principal office is located at
1230 Main Street in Columbia, South Carolina.

FCB owns in fee simple 187 properties having a book value at December 31, 2000
of $42,541,558 which are used for its main office, branch office locations,
associated parking lots for customers and employees, or housing other
operational units of FCB.  In addition, FCB leases 40 properties, substantially
all of which are used for branch office locations and associated parking lots
for customers and employees.  All of these leases are for relatively long terms
or include renewal options considered by management of FCB to be adequate.
Rental expense paid for these properties in 2000 was approximately $761,000,
which was offset by $1,266,000 in rental income.

The properties leased and owned are all generally considered adequate for FCB's
purposes; however, there is a continuing program of modernization, expansion,
and the occasional replacement of facilities. Maintenance and repairs are not
significant items of expense in FCB's operations. Items of a capital nature are
added to the property accounts, and, at such time as they are retired or
otherwise disposed of, the cost and accumulated depreciation are removed from
the related accounts and the resulting gains or losses are reflected in income.

For information concerning Bancorporation's commitments under current leasing
arrangements, see Note 7 to Bancorporation's Consolidated Financial Statements.

Item 3.  LEGAL PROCEEDINGS

Neither Bancorporation nor FCB or Exchange are a party to, nor is any of their
property the subject of, any material or other pending legal proceeding, other
than ordinary routine proceedings incidental to their businesses.
<PAGE>

Item 4.  SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

None

PART II

Item 5.  MARKET FOR THE REGISTRANT'S COMMON EQUITY AND RELATED STOCKHOLDER
MATTERS.

The information required by this item is incorporated herein by reference to the
section entitled "Market and Dividend Information Regarding Common and Preferred
Stock" on page 1 of the Registrant's 2000 Annual Report to Shareholders.

Item 6.  SELECTED FINANCIAL DATA

The information required by this item is incorporated herein by reference to the
section entitled "Financial Highlights" on page 3 of the Registrant's 2000
Annual Report to Shareholders.

Item 7.  MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS
OF OPERATIONS.

The information required by this item is incorporated herein by reference to the
section entitled "Management's Discussion and Analysis of Financial Condition
and Results of Operations" on pages 5 through 26 of the Registrant's 2000 Annual
Report to Shareholders.

Item 8.  FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

The information required by this item is incorporated herein by reference to the
financial statements and supplementary data set forth on pages 28 through 50 of
the Registrant's 2000 Annual Report to Shareholders.

Item 9.  CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND
FINANCIAL DISCLOSURE

None

PART III

Item 10. DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT

The information under the captions "Section 16(a) Beneficial Ownership Reporting
Compliance", "PROPOSAL 2:  ELECTION OF DIRECTORS", and "Executive Officers", on
pages 5 through 7 and 10 of Registrant's definitive Proxy Statement, dated March
26, 2001, for its Annual Meeting of Shareholders to be held April 25, 2001, is
incorporated herein by reference.

Item 11. EXECUTIVE COMPENSATION

The information under the captions "Compensation Committee Interlocks and
Insider Participation", "Directors' Fees", "Executive Compensation", "Pension
Plan" and "Employment Contracts, Termination of Employment, and

Change-in-Control Arrangements" on pages 8, 9 and 11 through 12 of Registrant's
definitive Proxy Statement dated March 26, 2001, for its Annual Meeting of
Shareholders to be held April 25, 2001, is incorporated herein by reference.
<PAGE>

Item 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT

The information under the caption "Beneficial Ownership of Securities" on pages
2 through 5 of Registrants's definitive Proxy Statement dated March 26, 2001,
for its Annual Meeting of Shareholders to be held April 25, 2001, is
incorporated herein by reference.

Item 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

The information under the captions "Compensation Committee Interlocks and
Insider Participation" and "Transactions with Related Parties", on pages 8 and
13 through 14 of Registrant's definitive Proxy Statement dated March 26, 2001,
for its Annual Meeting of Shareholders to be held April 25, 2001, is
incorporated herein by reference.

PART IV

Item 14. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES

  (a) (1)  Financial Statements:

  The following consolidated financial statements of First Citizens
  Bancorporation of South Carolina, Inc. and subsidiaries included on pages 28
  through 50 of Registrant's 2000 Annual Report to Shareholders are incorporated
  by reference in Item 8.

  Report of Independent Accountants
  Consolidated Statements of Condition
  Consolidated Statements of Income
  Consolidated Statements of Changes in Stockholders' Equity and
  Comprehensive Income
  Consolidated Statements of Cash Flows
  Notes to Consolidated Financial Statements

  (2) Financial Statement Schedules:

  All schedules are omitted as the required information is either inapplicable
  or is presented in the consolidated financial statements of the Registrant and
  its subsidiaries or Notes thereto incorporated herein by reference.

  (3) The following exhibits are either attached hereto or incorporated by
  reference:

  3.1  Articles of Incorporation of the Registrant as amended (incorporated
  herein by reference to Exhibit 3.1 of the Registrant's 1994 Annual Report on
  Form 10-K).

  3.3  Bylaws of the Registrant as amended (incorporated herein by reference to
  Exhibit 3.3 of the Registrant's 1997 Annual Report on Form 10-K).

  4.1  Amended and Restated Trust Agreement of FCB/SC Capital Trust I
  (incorporated herein by reference to Exhibit 4.1 of Registrant's Registration
  Statement No. 333-60319 filed with the SEC on July 31, 1998).

  4.2  Form of Guaranty Agreement (incorporated herein by reference to Exhibit
  4.2 of Registrant's registration Statement No.333-60319 filed with the SEC on
  July 31, 1998).

  4.3  Junior Subordinated Indenture between Registrant and Bankers Trust
  Company, as Debenture Trustee (incorporated herein by reference to Exhibit 4.3
  of Registrant's Registration Statement No. 333-60319 filed with the SEC on
  July 31, 1998).
<PAGE>

  4.4  Form of Certificate evidencing Capital Securities (incorporated herein by
  reference to Exhibit 4.5 in the Registrant's Registration Statement No. 333-
  60319 filed with the SEC on July 31, 1998).

  4.5  Form of Junior Subordinated Debenture (incorporated herein by reference
  to Exhibit 4.6 in the Registrant's Registration Statement No. 333-60319 filed
  with the SEC on July 31, 1998).

  10.1  Employment Agreement between E. Hite Miller, Sr. and the Bank dated
  April 21, 1998 (incorporated herein by reference to Exhibit 10.2 in the
  Registrant's 1998 Annual Report on Form 10-K).

  *10.2  Employee Death Benefit and Post-Retirement Noncompetition and
  Consultation Agreement, dated December 31, 1998, between the Bank and E. Hite
  Miller, Sr. (incorporated herein by reference to Exhibit 10.3 in the
  Registrant's 1998 Annual Report on Form 10-K).

  *10.3  Employee Death Benefit and Post-Retirement Noncompetition and
  Consultation Agreement, dated December 31, 1998, between the Bank and Jim B.
  Apple (incorporated herein by reference to Exhibit 10.4 in the Registrant's
  1998 Annual Report on Form 10-K).

  *10.4  Employee Death Benefit and Post-Retirement Noncompetition and
  Consultation Agreement, dated December 31, 1998, between the Bank and Jay C.
  Case (incorporated herein by reference to Exhibit 10.5 in the Registrant's
  1998 Annual Report on Form 10-K).

  *10.5  Employee Death Benefit and Post-Retirement Noncompetition and
  Consultation Agreement, dated December 31, 1998, between the Bank and Charles
  S. McLaurin, III (incorporated herein by reference to Exhibit 10.6 in the
  Registrant's 1998 Annual Report on Form 10-K).

  *10.6  Employee Death Benefit and Post-Retirement Noncompetition and
  Consultation Agreement, dated December 31, 1998, between the Bank and
  Charles D. Cook (incorporated herein by reference to Exhibit 10.7 in the
  Registrant's 1998 Annual Report on Form 10-K).

  13.  Registrant's 2000 Annual Report to Shareholders (filed herewith).

  21.  Subsidiaries of the Registrant (filed herewith).

  **99.  Registrant's Definitive Proxy Statement for the Annual Meeting to be
  held April 25, 2001.

  *Denotes a management contract or compensatory plan or arrangement in which an
  executive officer or director of Registrant participates.

  **Pursuant to Rule 12b-23(a)(3), this exhibit is not being refiled.

  (b) Reports on Form 8-K:

  No reports on Form 8-K were filed during the three month period ended December
  31, 2000.

<PAGE>

                                  SIGNATURES
                                  ----------

Pursuant to the requirements of Section 13 or 15(d) of the Securities Act of
1934, the Registrant has duly caused this report to be signed on its behalf by
the undersigned, thereunto duly authorized.

Dated:    03/23/2001                         FIRST CITIZENS BANCORPORATION
          ----------
                                                OF SOUTH CAROLINA, INC.
                                                     (Registrant)

                                                By:     /s/ Craig L. Nix
                                                        ----------------

                                            Craig L. Nix, Senior Vice President/
                                            Contoller and Treasurer

Pursuant to the requirements of the Securities Exchange Act of 1934, this report
has been signed below by the following persons on behalf of the Registrant and
in the capacities and on the date indicated.

Signatures                           Title                       Date
----------                           -----                       ----

/s/ E. Hite Miller                   Chairman of the Board       03/23/2001
------------------------------                                   ----------

   E. Hite Miller, Sr.

/s/ Frank B. Holding                 Vice Chairman of the Board  03/23/2001
------------------------------                                   ----------

   Frank B. Holding

/s/ Jim B. Apple                     President and Director      03/23/2001
------------------------------                                   ----------

   Jim B. Apple

/s/ Peter Bristow                    Chief Operating Officer     03/23/2001
------------------------------                                   ----------

   Peter Bristow

/s/ Richard W. Blackmon              Director                    03/23/2001
------------------------------                                   ----------

   Richard W. Blackmon

/s/ George H. Broadrick              Director                    03/23/2001
------------------------------                                   ----------

   George H. Broadrick

/s/ Dr. Walter C. Cottingham         Director                    03/23/2001
------------------------------                                   ----------

   Dr. Walter C. Cottingham

/s/ Jack M. Edwards                  Director                    03/23/2001
------------------------------                                   ----------

   Jack M. Edwards

/s/ William E. Hancock, III          Director                    03/23/2001
------------------------------                                   ----------

   William E. Hancock, III

/s/ Robert B. Haynes                 Director                    03/23/2001
------------------------------                                   ----------
<PAGE>

   Robert B. Haynes

/s/ Wycliffe E. Haynes               Director                    03/23/2001
------------------------------                                   ----------

   Wycliffe E. Haynes

/s/ Lewis M. Henderson               Director                    03/23/2001
------------------------------                                   ----------

   Lewis M. Henderson

/s/ Dan H. Jordan                    Director                    03/23/2001
------------------------------                                   ----------

   Dan H. Jordan

/s/ N. Welch Morrisette, Jr.         Director                    03/23/2001
------------------------------                                   ----------

   N. Welch Morrisette, Jr.

/s/ E. Perry Palmer                  Director                    03/23/2001
------------------------------                                   ----------

   E. Perry Palmer

/s/ William E. Sellers               Director                    03/23/2001
------------------------------                                   ----------

   William E. Sellers

/s/ Henry F. Sherrill                Director                    03/23/2001
------------------------------                                   ----------

   Henry F. Sherrill

/s/ Carmen H. Ames                   Director                    03/23/2001
------------------------------                                   ----------

   Carmen H. Ames

/s/ Jay C. Case                      Chief Financial Officer     03/23/2001
------------------------------                                   ----------

   Jay C. Case

/s/ Craig L. Nix                     Controller                  03/23/2001
------------------------------                                   ----------

   Craig L. Nix
<PAGE>

FORM 10-K

EXHIBIT INDEX

Exhibit Number                          Exhibit
--------------                          -------

  3.1 Articles of Incorporation of Registrant as amended (incorporated herein by
  reference to Exhibit 3.1 of the Registrant's 1994 Annual Report on Form 10-K).

  3.3  Bylaws of the Registrant as amended (incorporated herein by reference to
  Exhibit 3.3 of the Registrant's 1997 Annual Report on Form 10-K).

  4.1  Amended and Restated Trust Agreement of FCB/SC Capital Trust I
  (incorporated herein by reference to Exhibit 4.1 of Registrant's Registration
  Statement No. 333-60319 filed with the SEC on July 31, 1998).

  4.2  Form of Guaranty Agreement (incorporated herein by reference to Exhibit
  4.2 of Registrant's registration Statement No. 333-60319 filed with the SEC on
  July 31, 1998).

  4.3  Junior Subordinated Indenture between Registrant and Bankers Trust
  Company, as Debenture Trustee (incorporated herein by reference to Exhibit 4.3
  of Registrant's Registration Statement No. 333-60319 filed with the SEC on
  July 31, 1998).

  4.4  Form of Certificate evidencing Capital Securities (incorporated herein by
  reference to Exhibit 4.5 in the Registrant's Registration Statement No. 333-
  60319 filed with the SEC on July 31, 1998).

  4.5  Form of Junior Subordinated Debenture (incorporated herein by reference
  to Exhibit 4.6 in the Registrant's Registration Statement No. 333-60319 filed
  with the SEC on July 31, 1998).

  10.1 Employment Agreement between E. Hite Miller, Sr. and the Bank, dated
  April 21, 1998 (incorporated herein by reference to Exhibit 10.2 in the
  Registrant's 1998 Annual Report on From 10-K).

  10.2  Employee Death Benefit and Post-Retirement Noncompetition and
  Consultation Agreement, dated December 31, 1998, between the Bank and E. Hite
  Miller, Sr. (incorporated herein by reference to Exhibit 10.3 in the
  Registrant's 1998 Annual Report on From 10-K).

  10.3  Employee Death Benefit and Post-Retirement Noncompetition and
  Consultation Agreement, dated December 31, 1998, between the Bank and Jim B.
  Apple (incorporated herein by reference to Exhibit 10.4 in the Registrant's
  1998 Annual Report on From 10-K).

  10.4  Employee Death Benefit and Post-Retirement Noncompetition and
  Consultation Agreement, dated December 31, 1998, between the Bank and Jay C.
  Case (incorporated herein by reference to Exhibit 10.5 in the Registrant's
  1998 Annual Report on From 10-K).

  10.5  Employee Death Benefit and Post-Retirement Noncompetition and
  Consultation Agreement, dated December 31, 1998, between the Bank and Charles
  S. McLaurin, III (incorporated herein by reference to Exhibit 10.6 in the
  Registrant's 1998 Annual Report on From 10-K).

  10.6  Employee Death Benefit and Post-Retirement Noncompetition and
  Consultation Agreement, dated December 31, 1998, between the Bank and Charles
  D. Cook (incorporated herein by reference to Exhibit 10.7 in the Registrant's
  1998 Annual Report on From 10-K).

<PAGE>

  13. Registrant's 2000 Annual Report to Shareholders (filed herewith)

  21. Subsidiaries of Registrant (filed herewith)

  99. Registrant's Definitive Proxy Statement for the Annual Meeting to be held
  April 25, 2001.*

  *Pursuant to Rule 12b-23(a)(3), this exhibit is not being refiled.