STATE  OF  SOUTH  CAROLINA)
                                  SUBLEASE
COUNTY  OF  GREENVILLE)


     THIS  SUBLEASE  ("Sublease") is made and entered into as of the 24th day of
April,  1998,  by  and  between  SUMMIT  NATIONAL  BANK ("Sublessee") and BRANCH
BANKING  AND  TRUST  COMPANY  OF  SOUTH  CAROLINA  ("Sublessor").

1.     RECITALS.

1.1  On  August  13,  1981,  Carroll  E.  Caldwell  and  Nancy  Caldwell  Rentz
("Landlord")  leased  the  Premises  (as  hereinafter defined) to South Carolina
Federal  Savings  and Loan Association for a term of years to expire on November
1,  2012. The initial lease was amended in September, 1981, and again on January
14, 1993.  The initial lease and. amendments are collectively referred to as the
"Primary  Lease";  attached  and  incorporated  as  Exhibit  A.

1.2  On  January  20,  1984, South Carolina Federal Savings and Loan Association
sold its branch located at the Premises, as well as its rights under the Primary
Lease,  to  First  Federal  Savings  and  Loan  Association  of  South Carolina.

1.3  On  December  20, 1990, First Federal Savings and Loan Association of South
Carolina  changed  its  name  to  The  First  Savings  Bank,  FSB.

1.4  On  January  28,  1994,  The  First Savings Bank, FSB, merged with Southern
National  Bank  of  South  Carolina.

1.5  On  May  23,  1995,  Southern  National  Bank of South Carolina merged with
Sublessor.

1.6  Based  on the foregoing, Sublessor holds the leasehold interest represented
by  the  Primary  Lease  and  is  fully  authorized  to  sublease  the Premises.

2.     THE  PREMISES.  Sublessor  leases  to Sublessee and Sublessee leases from
Sublessor that certain real property located at 800 E. North Street, Greenville,
South  Carolina.,  together  with  the  building,  fixtures,  improvements  and
equipment  thereon  (hereinafter  referred  to as the "Premises") described more
fully  on  Exhibit  B  attached  hereto  and  incorporated  herein.

3.     CONTINGENCY.  This  Sublease shall be contingent upon Sublessee receiving
final approval for the operation of a bank from the applicable federal and state
regulatory  agencies  by  August  31, 1998.  Sublessee shall be obligated to the
full  term of this Sublease unless it exercises this contingency prior to August
31,  1998:

4.     TERM  OF  SUBLEASE.

4.1  TERM.  The  term  of  this  Sublease. shall: commence . on May 1; 1998, and
shall extend for a period seven (7) years thereafter unless sooner terminated as
hereinafter  provided.

4.2  POSSESSION  OF  PREMISES.  Possession  shall  be granted to Sublessee on or
before  May  1,  1998.  The  Premises shall be broom clean and shall be. free of
Sublessor's  property  and  equipment.  Sublessee shall have the right to remove
any  furniture  or  equipment  of  the Sublessor remaining on the Premises after
April 31;1998; provided that such removal does not damage the Premises, diminish
the  Premises'  value,  or  constitute  a  violation  of  the  Primary  Lease.

4.3  HOLDOVER.  Should  Sublessee hold over the Premises after the expiration of
this  Sublease,  unless  otherwise  agreed  in  writing, such holding over shall
constitute  a  tenancy from month to month only, subject to the terms hereof and
to  the  payment  of  monthly  rental.  Termination  by  either party during any
holdover  period  shall  be  upon thirty (30) days written notice, in which case
Sublessee  shall vacate the Premises prior to expiration of said thirty (30) day
period.

     Monthly rent due to Sublessor during any holdover period shall be two times
the  rent  existing  at  the expiration of the Sublease.  Sublessor shall not be
liable for any damage to Sublessee resulting from acts of the Landlord to remove
Sublessee  from  the  Premises  upon  expiration  of  the  Option  Term (defined
hereafter).

5.     RENT.

5.1 PAYMENT SCHEDULE.  Throughout the entire period of this Sublease, rent shall
be  paid  according  to  Exhibit  C  attached  hereto.  Rent shall commence upon
Sublessee's  receipt  of a Certificate of Occupancy from the City of Greenville,
South  Carolina.

5.2  MANNER  OF  PAYMENT.  Sublessee  shall pay to Sublessor each installment of
monthly  rent  in  advance on the first day of each and every calendar month, at
the  address  of  Sublessor set forth herein or at such other place as Sublessor
may  hereafter  designate  in writing in accordance with the Note provisions set
forth  hereinafter.

5.3  PRO-RATA RENT.  Any rent payable for a portion of a month shall be prorated
based  upon  the  number  of  days  in  the  applicable  calendar  month.

6.     OPTION.

6.1 TERM.  Sublessee shall have the option to extend the within Sublease through
the  remaining  term of the Primary Lease ("Option Term"); provided Sublessee is
not  in default with any of the terms of this Sublease.  No later than three (3)
months  prior  to expiration of the initial Sublease term.  Sublessee shall give
written  notice to Sublessor if Sublessee does not intend to exercise the Option
Term.

6.2  SUBLEASE  GOVERNS.  This  Sublease  shall  govern  the  Option  Term.

6.3  RENT DURING OPTION TERM.  Rent during the Option Term shall be according to
Exhibit  C.

7.     USE  AND  MAINTENANCE  OF  PREMISES.

7:1  USE.  Sublessee  shall  use,  occupy,  and  maintain the Premises as a bank
facility  and  general  office  relating  to  banking  operations  only.

7.2  ILLEGAL USE.  Sublessee shall not use or permit the use of the Premises for
any  disorderly,  unlawful  or  illegal purpose.  Should any governmental law or
regulation  be  subsequently  enacted or enforced so as to substantially prevent
the  use  of  the  Premises  for  the purposes set forth above, either party may
terminate  this  Sublease  upon  ninety  (90)  days written notice to the other.

7.3  SIGNS.  Sublessee  may  place  and maintain in and around the Premises such
signs as are necessary to advertise its business. Such signs shall be subject to
any approval required under the Primary Lease.  Such signs shall also conform to
all  relevant  zoning  ordinances.

7.4  ALTERATIONS  AND  IMPROVEMENTS.

(A)     ALTERATIONS.  Sublessee  shall  obtain building plans and specifications
for  all  renovations  and  improvements  for  the  building.  Such  plans  and
specifications  shall  be  subject  to  the  written  approval  of Sublessor and
Landlord  (as  defined  in  the  Primary  Lease); Sublessor's approval not to be
unreasonably  withheld.  Sublessor's  failure to affirmatively approve or reject
within  thirty  (30)  days  of  receipt  shall  constitute  an  approval  by the
Sublessor,  but  shall not affect the Landlord's approval, rejection, or failure
to  respond.

     Sublessee  shall  select  the  architect  and  contractor  for the proposed
renovations  and  improvements  to  the  building.  The architect and contractor
shall  be  licensed  or  bonded  by  all  relevant  or  required  authorities.

     Architects  or  contractors  selected  by  the Sublessee for any subsequent
renovations  or  improvements  to  the  Premises shall be subject to the written
approval  of  the  Sublessor  and  Landlord;  Sublessor's  approval  not  to  be
unreasonably  withheld.  Sublessor's  failure to affirmatively approve or reject
within thirty (30) days of notice shall constitute an approval by the Sublessor,
but  shall not affect the Landlord's approval, rejection, or failure to respond.

(B)     ROOF.  Sublessee  shall  install a new roof on the building within sixty
(60)  days of the date of this Sublease.  All work and materials shall be (i) in
accordance  with  local  building  standards  for  a  quality  building  in  the
Greenville  area  and  (ii)  subject  to  the  written approval of Sublessor and
Landlord;  Sublessor's  approval  not  to be unreasonably withheld.  Sublessor's
failure  to  affirmatively approve or reject the plans and specifications within
thirty  (30)  days of receipt shall constitute an approval by the Sublessor, but
shall  not  affect  the  Landlord's  approval, rejection, or failure to respond.

     The  cost  of  the  roof shall not exceed Fifty Thousand and No/100 Dollars
($50;000.00).

     Upon  completion  of  said  installation,  Sublessee shall submit a bill to
Sublessor  for  one-half  of  the  cost.  Sublessee and Sublessor each shall pay
one-half  of the cost within thirty (30) days thereafter.  If Sublessor fails to
reimburse  Sublessee  accordingly, Sublessee shall have the right to deduct from
rent  payments  (and  without  penalty)  the  amount  owed  by  Sublessor.

(C)     HVAC.  Sublessee  shall  repair  or  replace  the  heating  and
air-conditioning  system  ("HVAC")  system in the building according to the same
standards referred to above and at a cost not to exceed Twenty Thousand five and
No/100  ($25,000.00)  Dollars.  Payment  and reimbursement shall be as stated in
Section7.4(b).

(D)     BUILDING STANDARDS.  Sublessee shall renovate and upfit the building for
a  bank  facility,  at  its  sole  cost,  according  to  the  above  standards.

(E)     BIDS.  Sublessee  shall  obtain  two  (2) bids for the roof and HVAC and
submit  the  same  to Sublessor for approval.  Sublessor and Sublessee shall use
their  best  efforts  to  obtain  a  favorable  contract  for the roof and HVAC.

(F)     LIENS.  Sublessee  shall  not  have  the  right  or power to subject the
interest of Sublessor or Landlord in the Premises to any mortgage, mechanics' or
materialmen's  liens.  Sublessee shall indemnify and hold Sublessor and Landlord
harmless  against  any  claim  or  damage,  including costs and attorney's fees,
resulting  from  or  in  any  way  related  to any construction on the Premises.

7.5  MAINTENANCE.  Sublessee  shall  at  all  times  maintain  the  interior and
exterior  of  the  Premises,  including  the roof and HVAC, and any fixtures and
equipment therein, in good and clean condition and repair (normal. wear and tear
excepted),  including  all  utility connections and any other improvements upon,
under  or  about  the Premises.  In the event lessee fails to perform any of its
obligations  as required hereunder, Sublessor may, but shall not be required to,
perform  and  satisfy  the  same  with  Sublessee  hereby  agreeing to reimburse
Sublessor for any reasonable cost thereof promptly upon demand.  Sublessor shall
be  responsible  for  the  foundation  and structural integrity of the building.

7.6  REQUIREMENTS  OF  PUBLIC  AUTHORITIES.  Sublessee shall at all times comply
with  all present and future laws, ordinances, and regulations of all applicable
governmental bodies having jurisdiction over the Premises or Sublessee, and with
all  licenses  and  permits  pertaining  to  the  Premises.

7.7  CONDITION  AT  SURRENDER.  At  the  expiration or other termination of this
Sublease, Sublessee agrees to surrender and deliver up the Premises, in good and
broom-clean  condition,  normal wear, tear, and damage by the elements excepted.

8.     LIABILITY.

8.1  PUBLIC  LIABILITY.  Sublessor  shall  have  no  liability or responsibility
whatsoever  with respect to the conduct and operation of Sublessee's business on
the  Premises or to the condition, maintenance, or repair of the Premises; other
than  Sublessor's  obligations under Section 7.5.  Sublessee agrees to indemnify
and  hold  Sublessor and Landlord, their employees and agents, harmless from and
against  all  claims,  suits,  losses  or  liability  to Sublessee and any third
parties  for  or on account of damages to property or injuries (including death)
to  persons  caused  by,  arising  out  of  or occurring during Sublessee's use,
conduct,  maintenance,  operation  or  occupancy  of  the  Premises.

     Sublessee  shall  not be obligated to indemnify and hold harmless Sublessor
or  Landlord for any such injury, death or damage which has resulted solely from
the (i) negligence of Sublessor or Landlord, their agents and employees, without
any  fault  or negligence of Sublessee, his agents or employees; or (ii) failure
of  Sublessor  to  fulfill  its  obligations  under  Section  7.5.

8.2  LIABILITY  INSURANCE.  Sublessee  at  its  cost  shall procure and maintain
during the term of this Sublease, public liability and property damage insurance
with  a  single combined liability and property damage limit of no less than One
Million  and  no/100  ($1,000,000.00)  Dollars insuring against all liability of
Sublessee, its agents or employees, to any persons whomsoever arising out of and
in  connection  with  Sublessee's  use,  conduct,  maintenance,  operation,  or
occupancy  of the Premises. Sublessee shall furnish Sublessor with a certificate
showing  that  such insurance is in effect, together with evidence of payment of
premiums,  and  shall  likewise  furnish  Sublessor  with  renewal  certificates
therefor  as  the  same  are  procured.  In  the event Sublessee fails timely to
procure or renew any insurance required hereunder, or should such insurance fail
to  comply  with  any of the terms required hereunder, Sublessor, at its option,
shall  have  the  right  to procure such insurance coverage or renewal, with any
cost  thereof  to  be  payable  by  Sublessee  within  ten (10) days notice from
Sublessor.

9.     DAMAGES.

9.1  FIRE  AND  CASUALTY INSURANCE.  Sublessee shall procure and maintain during
the  term  of  this  Sublease  all-risk,  fire,  casualty  and extended coverage
insurance  covering  the  Premises in an amount which shall be not less than one
hundred  percent  (100%) of the full insurable replacement cost, as the same may
from time to time be determined, of all improvements on the Premises above their
foundation.  Sublessee  shall  name  Sublessor  as  an additional insured in the
insurance  coverage.  Beginning:  at  the point of Sublessee's possession of the
Premises,  Sublessee  shall  annually  provide;  to  Sublessor  a certificate of
insurance  or  other  documentation  establishing  compliance with this Section.
Sublessee shall also have an affirmative duty to notify Sublessor of any changes
affecting  Sublessee's  obligations  under  this  Section.

9.2  OBLIGATION  TO  REPAIR.

(A)     In  the  event  that  the  permanent  improvements  to  the Premises are
partially  or  wholly  damaged  or  destroyed by fire or any other casualty, all
insurance  proceeds  shall  be  applied  to  the  prompt  and  full  repair  and
restoration  of  the Premises or such portion thereof as shall have been damaged
or  destroyed,  with  due allowance being given for reasonable time required for
adjustment  and  settlement  of  insurance  claims.

(B)     If,  at  any  time  within  eighteen (18) months prior to the end of the
Sublease  term,  the  building  is completely destroyed or so damaged by fire or
other  casualty  covered  by insurance as to render it unfit for use, and repair
and restoration is not economically feasible, the Sublessor or the Sublessee may
terminate  this  Sublease  on  notice of at least ten (10) days and no more than
thirty  (30) days after the date of such damage or destruction:  If the Sublease
shall  so  terminate,  all basic and additional rent shall be apportioned to the
date  of  termination  and  all  insurance proceeds with respect to the building
shall  belong  to  the  Sublessor  subject  to  the  rights  of  any  mortgagee.

9.3  UNTENANTABILITY.  In the event any damage to or destruction of the Premises
renders  the  same  untenantable  for  the  uses  permitted herein, all rent due
hereunder  shall  abate  as  of  the  date of the occurrence until the date that
restoration  is  completed  and  the Premises rendered tenantable.  The Premises
shall  be  deemed  untenantable only in the event that such casualty renders the
banking  functions  of  Sublessee  substantially  inoperative for their intended
purposes,  or public access thereto is substantially impeded, or the casualty is
otherwise  of  such character as to prevent Sublessee from conducting its normal
public  business.  Any  unpaid  or  prepaid  rent  for  the  month in which said
condition  occurs  shall  be  prorated.  Sublessee  shall  have no claim against
Sublessor  during any period of untenantability, by reason of business-injury or
interruption.  In  the  event  this  Sublease  is  terminated  pursuant  to this
Section,  Sublessee shall nevertheless be required to comply with the provisions
of  Section  7.7  hereof.

10.     TAXES.

10.1  PAYMENT;  METHOD OF PAYMENT.  During the Sublease term, Sublessee shall be
responsible  for  payment  of  all  real  estate  taxes  and assessments levied,
assessed,  and imposed on the Premises and improvements thereon.  Taxes shall be
prorated for any year in which Sublessee does not occupy the Premises for a full
year.  Sublessor  shall  provide  Sublessee a copy of the tax notice, as well as
evidence  of  payment by Sublessor. Sublessee shall then reimburse Sublessor for
the  full amount of the tax notice with the next regular installment of rent due
to  Sublessor.

10.2 SUBLESSOR'S FAILURE TO PAY TAXES:  In the event that Sublessor fails to pay
such  taxes  and  assessments  in a timely manner, and in order to avoid default
under  the  Primary Lease, Sublessee may, but shall not be required to, pay such
taxes and assessments to the collecting authority.  Sublessee shall then forward
to  Sublessor  a  copy of the paid receipt. If Sublessor owes any portion of the
taxes  paid  and fails to reimburse Sublessee, Sublessee may deduct such portion
from  the  next  regular  installment(s)  of  rent  due  (without  penalty).

11.     CONDEMNATION.

11.1  NOTICE  OF  TAKING.  Upon  receipt by either Sublessor or Sublessee of any
notice  of  the  institution of any proceeding for the taking of the Premises or
any part thereof by the exercise of any power of condemnation or eminent domain,
or for any street widening or change of grade affecting the premises or any part
thereof,  the  party  receiving  notice  thereof shall notify the other party in
writing  within  ten  (10)  days  following  receipt  of  such  notice.

11.2  RIGHT TO AWARD.  Subject to the Primary Lease, if the Premises or any part
thereof,  are  taken  or  condemned by any competent public authority, Sublessee
shall  be  entitled  solely to the value of the leasehold interest to Sublessee.
Sublessee  shall  not be endued to the leasehold interest during the Option Term
unless  Sublessee  has  affirmatively  and  expressly  exercised the option.  As
between  Sublessor  and  Sublessee,  Sublessor  shall  be  entitled to all other
condemnation  proceeds.

11.3 UNTENANTABILITY.  In the event of a taking or condemnation by any competent
public  authority of the entire Premises or such portion thereof as shall render
the  Premises  untenantable for the uses permitted herein, as defined in Section
7.1  hereof,  the  term  of  this  Sublease  shall cease and terminate as of the
effective date of such taking or condemnation, all unpaid or prepaid rents shall
be  prorated,  and Sublessee shall have no claim against Sublessor for the value
of  any  unexpired  term  of  this  Sublease.  In  the  event  this  Sublease is
terminated pursuant to this Section, Sublessee shall nevertheless be required to
comply  with  the  provisions  of  Section  7.7  hereof.

12.     ASSIGNMENT  OR SUBLETTING.  Sublessee shall not have the right to assign
this  Sublease,  or  sublet  the  Premises,  except with the written approval of
Sublessor and Landlord, and with the written agreement of the Assignee to assume
all  obligations of Sublessee hereunder. Sublessor's approval under this Section
shall  not  be  unreasonably  withheld.

13.     ACCESS.  Sublessor  and  Landlord, their agents or employees, shall have
the  right  to  enter  upon  the  Premises  during  Sublessee's  normal hours of
operation  to  inspect  the same and for any other purposes permitted herein, so
long  as  such inspection shall not interfere with the conduct of business there
at.

14.     BANKRUPTCY.

14.1  EVENTS  OF  BANKRUPTCY.  The following shall be events of bankruptcy under
this  Sublease:

(A)     Sublessee's filing of a voluntary petition under the provisions of Title
11  of  the  United  States  Code,  Section  101  g.  (the  "Bankruptcy  Code");
                                                  -

(B)     The  filing  of  an  involuntary petition against Sublessee as a subject
debtor  under  the  Bankruptcy  Code  or  Insolvency  Laws  which  is either not
dismissed  within  sixty  (60)  days  of filing or results in the issuance of an
Order  for  relief  against  Sublessee, as debtor, whichever is later; or. (c) .
Sublessee's  making  or consenting to an assignment for the benefit of creditors
or  a  common  law  composition  of  creditors.

14.2  SUBLESSOR'S  REMEDIES.

(A)     TERMINATION  OF  SUBLEASE.  Upon  occurrence  of an event of Bankruptcy,
Sublessor  shall  have  the  right  to terminate this Sublease by giving written
notice  to Sublessee; provided, however, that this Section 14.2(a) shall have no
effect  while a case in which Sublessee is a subject debtor under the Bankruptcy
Code  is  pending,  so  long  as  Sublessee or its Trustee maintains timely rent
payments  hereunder and Sublessee or its Trustee complies with the provisions of
Section  14.2(b)  below.  At  all  other times this Sublease shall automatically
cease  and  terminate  upon  such  notice  and  Sublessee  shall  be immediately
obligated  to  quit  the  Premises  ,but  Sublessee shall not be relieved of its
obligation  to  comply  with  Section  7.7  of  this  Sublease.

(B)     ASSUMPTION OR ASSIGNMENT BY TRUSTEE.  In the event Sublessee becomes the
subject  debtor in a case pending under the Bankruptcy Code and shall thereafter
fail  to maintain timely rent payments hereunder, Sublessor's right to terminate
this Sublease pursuant to Section 14:2 (a) shall be subject to the rights of the
Trustee  in bankruptcy to assume or assign this Sublease.  The Trustee shall not
have the right to assume or assign this Sublease unless the Trustee (i) promptly
cures  all defaults under this Sublease, (ii) promptly compensates Sublessor for
monetary  damages  incurred  as  a  result  of  such default, and (iii) provides
adequate  assurance  of future performance on the part of Sublessee as debtor in
possession  or  on  the  part  of  the  Trustee,  or on the part of the Assignee
Sublessee.

15.     DEFAULT.

15.1  SUBLESSEE'S  DEFAULT.

(A)     EVENTS  OF  DEFAULT.  Sublessee  shall be in default under this Sublease
upon  occurrence  of  any  one  or  more  of  the  following  events:

(I)     Failure  by Sublessee to pay any installment of rent by the tenth (10th)
day  of  the  month  in which it is due.  Any installment of rent paid after the
tenth  (10th)  day  of  the  month  shall  also bear a late penalty of five (5%)
percent  of  the  amount  of  such  installment.
(II)     Breach  by  Sublessee  of  any  covenant,  condition,  warranty,
representation,  obligation  or  agreement  set  forth  in  this  Sublease;

(B)     SUBLESSOR'S  REMEDIES.  In  the  event of any default by Sublessee which
shall  not be cured within ten (10) days following written notice from Sublessor
to  Sublessee  of  any  monetary  default  or thirty (30) days following written
notice  from Sublessor to Sublessee specifying the non-monetary event of default
(unless  a  non-monetary  default  cannot reasonably be cured within thirty (30)
days  and  Sublessee shall have commenced steps to cure said default within said
thirty  (30)  day period and continues to pursue such steps to cure diligently),
Sublessor  shall  have  the  option  to:

(I)     Terminate  this  Sublease  and  to  re-enter  upon the Premises and take
possession  thereof,  with  full  rights to collect all rents then due, together
with  any  and all other sums as may be due hereunder and any and all reasonable
costs  and  damages  which  Sublessor  may  sustain  by virtue of such re-entry,
including  but  not  limited  to reasonable attorneys' fees and court costs; and
(II)     Institute Rent Distress Warrant and Sale proceedings in accordance with
applicable  South  Carolina.  Law.

15.2  SUBLESSOR'S  DEFAULT:

(A)     EVENTS  OF  DEFAULT.  Sublessor  shall be in default under this Sublease
upon  occurrence  of  any  one  or  more  of  the  following  events:

(I)     Failure  of  Sublessor  to pay any installment of rent under the Primary
Lease  by  the  due  date  set  forth  therein;  and
(II)     Breach  by  Sublessor  of  any  covenant,  condition,  warranty,
representation,  obligation,  or  agreement  set  forth  in  this  Sublease.

(B) SUBLESSEE'S REMEDIES.  In the event of any default by Sublessor which shall.
not  be  cured  within  ten (10) days following written notice from Sublessee to
Sublessor  of  any monetary default or thirty (30) days following written notice
from Sublessee to Sublessor specifying the non-monetary event of default (unless
a  non-monetary  monetary  default cannot reasonably be cured within thirty (30)
days  and  Sublessor shall have commenced steps to cure said default within said
thirty  (30)  day period and continues to pursue such steps to cure diligently),
Sublessee  shall  have  the  option  to:

(I)     To  prevent default of the Primary Lease, make monthly rent payments due
under  either  the  Primary  Lease or Sublease directly to the party entitled to
receive  rent  under the Primary Lease.  Sublessee may then deduct such payments
from  any subsequent rent payments due to Sublessor or receive a refund directly
from  Sublessor;  or
(II)     Terminate  this  Sublease  and recover any and all reasonable costs and
damages  which  Sublessor may sustain by virtue of such re-entry,. including but
not  limited  to  reasonable  attorneys'  fees  and  court  costs.

(C)     SUBLESSOR'S DEFAULT UNDER PRIMARY LEASE. Sublessee is entitled to actual
damages (excluding incidental and consequential damages) incurred as a result of
a  default  by  Sublessor  on  the  Primary  Lease  if:

(I)     Sublessor's  default  results  in  termination  of  the  Primary  Lease;
(II)     Sublessor  fails to notify Sublessee of the Primary Lease default prior
to  termination  of  the  Primary  Lease;  and
(III)     Sublessee  is unable to cure the default and either prevent default or
reinstate  the  Primary  Lease  following  termination  by  the  Landlord.

     This  provision  shall not be operative if Sublessor provides notice of its
default  on  the Primary Lease prior to its termination or in time for Sublessee
to  reinstate  the  Primary  Lease.

16.     SUBORDINATION.  This  Sublease  shall  be subject and subordinate to the
Primary  Lease  attached  as  Exhibit  A  and  subsequently  amended.

17.     TITLE  AND  QUIET  ENJOYMENT.  Sublessor  warrants  and  covenants  to
Sublessee  that  it  is  vested  with good and marketable leasehold title to the
Premises  upon and subject to the terms and provisions of the Primary Lease.  So
long  as Sublessee shall pay all rents and observe and perform all covenants and
provisions  hereof,  Sublessee  shall  peacefully  and  quietly  have  and enjoy
possession  of  the  Premises  without  any encumbrance or hindrance by, from or
through  Sublessor, except that Sublessor shall have the right to enter upon the
Premises  during  Sublessee's  regular business hours for inspection purposes so
long  as  such  entry shall in no way disrupt the conduct of Sublessee's regular
business.

18.     LICENSES  AND  UTILITIES.  Sublessee shall pay all sums as and when. due
on  account  of  utility  services  provided  to the Premises, including but not
limited  to  power,  electricity,  gas,  water,  sewer,  janitorial service, and
telephone service and for all licenses and permits necessary to the operation of
Sublessee's  business  on  the  Premises.

19.     NOTICES.

19.1  METHOD  OF  NOTICE.  All  written  notices required or desired to be given
hereunder  by  either  party  to the other shall be given by United States mail,
prepaid  first-class,  return receipt requested, addressed to the other parry at
the  following  addresses:

          AS  TO  SUBLESSOR:
          Branch  Banking  and  Trust  Company
          PO  Box  1220
          Winston  Salem,  North  Carolina  27102-1220
          Attention:  Real  Estate  Disposal  Manager

          AS  TO  SUBLESSEE:
          Summit  National  Bank
          P.O.  Box  1087
          Greenville,  South  Carolina  29602
          Attention:  J.  Randolph  Potter  or  President

     In the alternative, any notice may be given by personal delivery thereof to
the  other  party  at said party's aforesaid address.  Either party may, by like
written  notice,  designate a new address to which such notices shall thereafter
be  directed.

19.2.  EFFECTIVE  DATE OF NOTICE.  Any required notice herein shall be deemed to
have  been  given  on  the  date that the same is deposited in the United States
mail,  or  delivered  to  the  other  party,  in  compliance  with the foregoing
provisions.

20.     HAZARDOUS SUBSTANCES. To the best of Sublessor's knowledge; there are no
hazardous  substances  on the Premises except those items. listed in the Limited
Asbestos  Inspection  report prepared by Spero Corporation dated March 30, 1998,
and  attached  hereto as Exhibit D.  Sublessor has not conducted any business on
the  Premises  which  would  cause  hazardous  substances  to  be  placed on the
Premises.

20.1  SUBLESSOR'S  INDEMNIFICATION.  Sublessor  agrees to defend, indemnify, and
hold harmless Sublessee, its directors, officers, employees, and agents from and
against  any  and all claims; demands; judgments; settlements; damages; actions;
consent  agreements and orders; liability or costs (including but not limited to
any  cleanup  costs); and all expenses including claims arising out of injury to
persons,  property,  or  damage  to  natural  resources  caused by any hazardous
substances  placed  on  the  Premises  prior  to  May  1,  1998.

20.2  SUBLESSEE'S  INDEMNIFICATION.  Sublessee  agrees to defend, indemnify, and
hold  harmless  Sublessor,  its directors, officers, employees, and agents, from
and  against  any  and  all  claims;  demands;  judgments; settlements; damages;
actions;  consent  agreements  and orders; liability or costs (including but not
limited  to any cleanup costs); and all expenses including claims arising out of
injury  to  persons,  property,  or  damage  to  natural resources caused by any
hazardous  substances  placed  on  the  Premises  after  April  30,  1998.

21.     MISCELLANEOUS.

21.1  CAPTIONS.  All  sections and paragraph captions are for the convenience of
the parties only, and neither limit nor amplify the provisions of this Sublease.

21.2 ENTIRE AGREEMENT.  This Sublease contains all the agreements and conditions
made  between  the  parties.  This Sublease may not be modified orally or in any
manner  other  than  by.  an  agreement  in  writing,  signed by the parties and
attached  hereto.

21.3  WAIVER.  The  waiver  by  Sublessor of any breach of any term, covenant or
condition  herein  contained  shall  not  be deemed to be a waiver of such term,
covenant  or  condition  or any subsequent breach of the same or any other term,
covenant  or  condition  herein  contained.  The  subsequent  acceptance of rent
hereunder  by  Sublessor  shall  not  be  deemed to be a waiver of any preceding
breach  by  Sublessee or any term, covenant or condition of this Sublease, other
than  the  failure  of  the  Sublessee to pay the particular rental so accepted,
regardless  of  Sublessor's  knowledge  of  such preceding breach at the time of
acceptance  of such rent.  No covenant, term or condition of this Sublease shall
be  deemed to have been waived by Sublessor, unless such waiver be in writing by
Sublessor.

21.4  ACCORD  AND SATISFACTION.  No payment by Sublessee or receipt by Sublessor
of a lesser amount than the monthly rent herein stipulated shall be deemed to be
other than on account of the earliest stipulated rent, nor shall any endorsement
or  a  statement on any check or any letter accompanying any check or payment as
rent  be deemed an accord and satisfaction, .and Sublessor may accept such check
or  payment  without  prejudice to Sublessor's. right to .recover the balance of
such  rent  or  pursue  any  other  remedy  in  this  Sublease  provided.

21.5 FORCE MAJEURE.  In the event that either party shall be delayed or hindered
in  or prevented from doing or performing any act or thing required hereunder by
reason of strikes, lockouts, casualties, acts of God, labor troubles, failure of
power,  governmental  laws  or  regulations,  riots,  insurrection, war or other
causes  beyond the reasonable control of either party, then such party shall not
be  liable  or responsible for any such delays in the doing or performing of any
such  act  or  thing,  shall  be excused for the period of the delay and for the
period  of  the  performance  of  any  such  acts shall be extended for a period
equivalent  to  the  period  of  such  delay.

21.6  SEVERABILITY.  The  unenforceability,  invalidity  or  illegality  of  any
provision  therein  shall  not  render any other provision herein unenforceable,
invalid  or  illegal.

21.7  SUCCESSORS  AND ASSIGNS. All rights, remedies and liabilities herein given
to  or  imposed  upon  either  of  the  parties  hereto,  shall  extend to their
respective  heirs,  personal  representatives;  successors  and  assigns.

21.8  APPLICABLE  LAW.  This  Sublease is entered into and shall be construed in
accordance  with  the  laws  of  the  State  of South Carolina and any action or
Proceeding arising hereunder shall be brought in the County of Greenville, State
of  South  Carolina.

     IN  WITNESS WHEREOF, Sublessor and Sublessee have executed this Sublease on
the  day  and  year  first  written  above.


WITNESSES:                         BRANCH  BANKING  AND  TRUST
                                   COMPANY  OF  SOUTH  CAROLINA

/s/ Shelly C. Vinson               By:  /s/ Ross P. Schlabur
/s/ Brian Ther                     Title: V.P. and Corporate Secretary



                                   SUMMIT  NATIONAL  BANK

/s/ Karen Dye                      By:  /s/ J. Randolph Potter
/s/ Jeannie Hartline               Title: President and CEO


<PAGE>
                                     EXHIBIT
                           DESCRIPTION OF THE PROPERTY

ALL  that  certain  piece, parcel or lot of land situate, lying and being in the
County  of  Greenville,  State of South Carolina; and having the following metes
and  bounds,  to-wit:

BEGINNING  at  an  iron  pin at the intersection of the southern right of way of
East North Street with the eastern right of way of Toy Street and running thence
with  the  eastern  right of way of Toy Street, S 14-58 E 109.10 feet to an iron
pin  on  the  northern  side  of a ten foot alley; thence leaving Toy Street and
running  with the northern side of said ten foot alley; N 76 36 E 199.95 feet to
an  iron pin; thence leaving said, alley and running N 15-05 W 109:45 feet to an
iron  pin  on  the  southern  right of way of East North Street; thence with the
southern  right  of way of East North Street, S 76-30 W 199.71 feet to the POINT
OF  BEGINNING  and  containing  21,829  square  feet  according to Plat entitled
Topographical  Map  for  South  Carolina  Federal. Savings and Loan Association,
dated  May  1981  by  Dalton  &  Neves  Co.,  Engineers.

Together with all rights, title and interest, if any, of the Landlords in and to
the  ten  foot  alley  adjacent  to the southern boundary of the above-described
property.


<PAGE>
                                    EXHIBIT C

                                  RENT SCHEDULE

<TABLE>
<CAPTION>

Initial Term                                    Annual Rent   Monthly Rent
----------------------------------------------  ------------  -------------
<S>                                             <C>           <C>
May 1, 1998 to September 1, 1998,
or upon receipt of a Certificate of Occupancy
(whichever occurs first)                               - 0 -          - 0 -

September 1, 1998,
or upon receipt of a Certificate of Occupancy
(whichever occurs first) to November 30, 2002   $  70,800.00  $    5,900.00

December 1, 2002, to April 30, 2005             $  77,901.84  $    6,491.82

Option Term
May 1, 2005, to October 31, 2012                $  77,901.84  $    6,491.82
</TABLE>