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                                                                     EXHIBIT 4.3

THE WARRANT GRANTED PURSUANT TO THIS AGREEMENT SHALL BE NON-TRANSFERABLE, EXCEPT
IN THE CASE OF THE WARRANT HOLDER'S DEATH, AND THEREUPON ONLY BY WILL OR UNDER
THE LAWS OF DESCENT AND DISTRIBUTION. UPON THE DEATH OF THE WARRANT HOLDER, THE
DECEASED HOLDER'S LEGAL OR PERSONAL REPRESENTATIVE, OR ANY PERMITTED TRANSFEREE
OF THE WARRANT SHALL, WITHIN 30 DAYS OF THE HOLDER'S DEATH, NOTIFY THE COMPANY
OF SUCH EVENT AND THE NEW HOLDER'S NAME, ADDRESS AND CAPACITY IN WHICH THE
WARRANT IS HELD. SUCH PERMITTED TRANSFEREE WILL BE SUBJECT TO, AND BOUND BY, THE
TERMS AND PROVISIONS OF THIS AGREEMENT TO THE SAME EXTENT AS THE ORIGINAL
HOLDER.

                           ORGANIZER WARRANT AGREEMENT

      THIS AGREEMENT (this "Agreement") is made and entered into as of this
_____ day of _____________, ________________________, ___________, by and
between Georgia Trust Bancshares, Inc., a Georgia corporation (the "Company"),
and ________________________ (the "Warrant Holder").

                               W I T N E S S E T H

      WHEREAS, the Warrant Holder has served as an organizer or director in the
formation of the Company and the formation and establishment of Georgia Trust
Bank (the "Bank"), the wholly-owned subsidiary of the Company; and

      WHEREAS, the Warrant Holder has purchased ___________ shares of the
Company's common stock, $1.00 par value per share (the "Common Stock"), at a
price per share of $10.00, subject to certain adjustments; and

      WHEREAS, the Company, in recognition of the financial risk undertaken by
the Warrant Holder in organizing the Company and the Bank, desires to provide
the Warrant Holder with the right to acquire the same number of shares as the
Warrant Holder purchased in the initial stock offering of the Company's Common
Stock, including any additional shares purchased specifically to attain the
minimum subscription requirements of the minimum offering.

      NOW, THEREFORE, in consideration of the premises and other good and
valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the parties hereto agree as follows:

      1.    Grant of Warrant. Subject to the terms, restrictions, limitations
and conditions stated herein, the Company hereby grants to the Warrant Holder
the right (the "Warrant") to purchase all or any part of an aggregate of
______________ shares of the Company's Common Stock, subject to adjustment in
accordance with Sections 7 and 8 hereof (such shares, as adjusted, the "Warrant
Shares").

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      2.    Vesting and Term.

            (a)   The Warrant shall vest at the rate of 33-1/3% per year
      beginning on the first anniversary of the date that the Bank opens for
      business (the "Issue Date"). On each successive anniversary of the Issue
      Date, an additional 33-1/3% of the Warrant shall vest. The portion of the
      Warrant which is vested may be exercised in whole, or from time to time in
      part, at any time prior to the Expiration Time (as defined herein).

            (b)   The term for the exercise of the Warrant begins at 9:00 a.m.,
      Eastern Time, on the Issue Date and ends at 5:00 p.m., Eastern Time, on
      the 10th anniversary of the Issue Date (the "Expiration Time"). Further,
      in accordance with the requirements of the Federal Deposit Insurance
      Corporation (the "FDIC"), the term for exercise of the Warrant will expire
      90 days after the Warrant Holders' termination of service as a director of
      the Company.

            (c)   Notwithstanding any other provision of this Agreement, the
      Warrant shall expire on any earlier date than that provided in Section
      2(b) hereof in the event the primary federal regulator of the Company or
      the Bank (the "Federal Regulator") may require the Warrant Holder to
      exercise or forfeit the Warrant due to the capital of the Company or the
      Bank falling below the minimum requirements as determined by the Federal
      Regulator.

      3.    Purchase Price. The price per share to be paid by the Warrant Holder
for the Warrant Shares shall be $10.00 subject to adjustment as set forth in
Section 7 hereof (such price, as adjusted, the "Purchase Price").

      4.    Exercise of Warrant. The Warrant may be exercised by the Warrant
Holder by delivery to the Company, at the address of the Company set forth under
Section 11(a) hereof or such other address as to which the Company advises the
Warrant Holder pursuant to Section 11(a) hereof, of the following:

            (a)   A completed and signed notice of exercise (including the
      Substitute Form W-9, which forms a part thereof) (the "Notice of
      Exercise"), as attached hereto as Schedule A;

            (b)   A check payable to the Company for the full amount of the
      aggregate Purchase Price for the number of Warrant Shares as to which the
      Warrant is being exercised; and

            (c)   A copy of this Agreement.

      5.    Issuance of Warrant Shares. Upon receipt of the items set forth in
Section 4 hereof, and subject to the terms hereof, the Company shall cause to be
delivered to the Warrant Holder stock certificate(s) for the number of Warrant
Shares specified in the Notice of Exercise, such share or shares to be
registered under the name of the Warrant Holder. Notwithstanding the

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foregoing, the Company shall not be required to issue or deliver any certificate
for the Warrant Shares or any portion thereof prior to the fulfillment of the
following conditions:

            (a)   The completion of any registration or other qualification of
      such shares which the Company shall deem necessary or advisable under any
      federal or state law or under the rulings or regulations of the Securities
      and Exchange Commission or any other governmental regulatory body, unless
      the availability of an exemption from such registration or qualification
      shall be established to the satisfaction of counsel for the Company;

            (b)   The obtaining of any approval or other clearance from any
      federal or state governmental agency or body, which the Company shall
      determine to be necessary or advisable; or

            (c)   The lapse of such reasonable period of time following the
      exercise of the Warrant, or any portion thereof, as the Company from time
      to time may establish for reasons of administrative convenience.

      Each stock certificate delivered pursuant to the Notice of Exercise shall
be in such denomination as may be requested by the Warrant Holder and shall be
registered in the name of the Warrant Holder. If the Warrant shall have been
exercised only in part, the Company shall, at the time of delivery of said stock
certificate(s), deliver to the Warrant Holder a new Warrant evidencing the right
of the Warrant Holder to purchase the remaining Warrant Shares covered by this
Agreement. The Company shall pay all expenses, stock transfer taxes and other
charges payable in connection with the preparation, execution and delivery of
such stock certificate(s).

      6.    Restrictive Legends. Each certificate representing the Warrant
Shares shall contain the following legends:

            (a)   "The shares of the Company's Common Stock represented by this
      certificate are held subject to, and transfer of such shares restricted
      by, the terms of a Warrant Agreement, dated as of the ___ day of
      _________, _____, a copy of which is on file at the office of the Company.
      No transfer of any share represented by this certificate shall be valid
      unless made in accordance with the terms of the Warrant Agreement."

            (b)   "The securities evidenced by this certificate have not been
      registered under the Securities Act of 1933, as amended (the "1933 Act"),
      or the securities laws of any state, in reliance upon exemptions from the
      registration requirements of the 1933 Act and such state laws. These
      securities may not be transferred, nor will any assignee or endorsee
      hereof be recognized as an owner hereof by the issuer for any purposes,
      except in transactions registered under the 1933 Act and any applicable
      state securities laws, unless the availability of an exemption from
      registration under the 1933 Act and any applicable state securities laws
      with respect to any proposed transfer or disposition of such securities
      shall be established to the satisfaction of counsel for the issuer."

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      The Warrant Holder understands and agrees that the Company may refuse to
permit the transfer of the Warrant Shares, and that the Warrant Holder may be
required to hold the Warrant Shares indefinitely, in the absence of compliance
with the terms of such legends.

      7.    Antidilution, Etc.

            (a)   If, at any time, the Company shall:

                  (i)   establish a record date for the determination of holders
            of record of its outstanding shares of Common Stock for the purpose
            of entitling them to receive a dividend payable in, or other
            distributions of, additional shares of its Common Stock;

                  (ii)  subdivide its outstanding shares of Common Stock into a
            larger number of shares of Common Stock; or

                  (iii) combine its outstanding shares of Common Stock into a
            smaller number of shares of Common Stock;

      then (A) the number of Warrant Shares for which the Warrant Holder's
      Warrant is exercisable immediately after the occurrence of any such event
      shall be adjusted to equal the number of shares of Company Common Stock
      which a record holder of the same number of shares of Common Stock for
      which Warrant Shares is exercisable immediately prior to the occurrence of
      such event would own or be entitled to receive after the happening of such
      event, and (B) the Purchase Price shall be adjusted to equal (x) the
      Purchase Price multiplied by the Warrant Shares for which the Warrant
      Holder's Warrant is exercisable immediately prior to the adjustment
      divided by (y) the Warrant Shares for which Holder's Warrant is
      exercisable immediately after such adjustment.

            (b)   The following provisions shall be applicable to adjustments
      made pursuant to Section 7(a) hereof:

                  (i)   The adjustments required by Section 7(a) hereof shall be
            made whenever and as often as any event requiring an adjustment
            shall occur. For the purpose of any such adjustment, any event shall
            be deemed to have occurred at the close of business on the date of
            its occurrence.

                  (ii)  In computing adjustments under this Section 7(b),
            fractional interests in the Company's Common Stock shall be taken
            into account to the nearest 1/10th of a share. In no event, however,
            shall fractional shares or a scrip representing fractional shares be
            issued upon the exercise of the Warrant. In lieu thereof, a cash
            payment shall be made to the Warrant Holder in an amount equal to
            such fraction multiplied by the Purchase Price.

                  (iii) If the Company shall establish a record date for the
            determination of the holders of record of the Company's Common Stock
            for the purpose of

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            entitling such holders to receive a dividend payable in Company
            Common Stock and shall, thereafter and before the distribution to
            shareholders thereof, legally abandon its plan to pay or deliver
            such dividend, then no adjustment shall be required by reason of the
            establishment of such record date and any such adjustment previously
            made in respect thereof shall be rescinded and annulled.

      8.    Reorganization, Reclassification, Consolidation or Merger.

            (a)   If, prior to the Expiration Time, there shall be any
      reorganization or reclassification of the Company's Common Stock (other
      than a subdivision or combination of shares provided for in Section 7
      hereof), or any consolidation or merger of the Company with another
      entity, the Warrant Holder shall thereafter be entitled to receive, during
      the term hereof and upon payment of the Purchase Price, the number of
      shares of stock or other securities or property of the Company or of the
      successor entity (or its parent company) resulting from such consolidation
      or merger, as the case may be, to which a holder of the Company's Common
      Stock, deliverable upon the exercise of the Warrant, would have been
      entitled upon such reorganization, reclassification, consolidation or
      merger; and in any case, appropriate adjustment (as determined by the
      Board of Directors of the Company in its sole discretion) shall be made in
      the application of the provisions herein set forth with respect to the
      rights and interest thereafter of the Warrant Holder to the end that the
      provisions set forth herein (including the adjustment of the Purchase
      Price and the Warrant Shares) shall thereafter be applicable, as near as
      may reasonably be practicable, in relation to any shares or other property
      thereafter deliverable upon the exercise hereof.

            (b)   If any such reorganization, reclassification, consolidation,
      merger or share exchange results in a cash distribution in excess of the
      Purchase Price provided by this Warrant, the Warrant Holder may, at the
      Warrant Holder's option, exercise this Warrant without making payment of
      the Purchase Price, and in such case the Company or its successors and
      assigns shall, upon distribution to such Warrant Holder, consider the
      Purchase Price to have been paid in full, and in making settlement to such
      Warrant Holder, shall deduct an amount equal to the Purchase Price from
      the amount payable to such Warrant Holder. Notwithstanding anything herein
      to the contrary, the Company will not effect any such reorganization,
      reclassification, merger, consolidation or share exchange unless prior to
      the consummation thereof, the corporation that may be required to deliver
      any stock, securities or other assets upon the exercise of the Warrant
      issuable pursuant to this Agreement shall agree by an instrument in
      writing to deliver such stock, cash, securities or other assets to the
      Warrant Holder. A sale, transfer or lease of all or substantially all of
      the assets of the Company to another person shall be deemed a
      reorganization, reclassification, consolidation, merger or share exchange
      for the foregoing purposes.

      9.    Notice of Adjustments. Upon any adjustment provided for in Section 7
or Section 8 hereof, the Company, within 30 days thereafter, shall give written
notice thereof to the Warrant Holder at the address set forth under Section
11(a) hereof or such other address as the Warrant Holder may advise the Company
pursuant to Section 11(a) hereof, which notice shall

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state the Purchase Price as adjusted and the increased or decreased number of
Warrant Shares, setting, forth in reasonable detail the method of calculation of
each.

      10.   Transfer and Assignment.

            (a)   This Agreement shall be non-transferable, except in the case
      of the Warrant Holder's death, and thereupon only by will or under the
      laws of descent and distribution. Upon the death of the Warrant Holder,
      the deceased Warrant Holder's heirs, legal or personal representative, or
      any permitted transferee of the Warrant shall, within 90 days of the
      Warrant Holder's death, notify the Company of such event and the new
      holder's name, address and capacity in which the Warrant is held, and
      present letters testamentary, a death certificate and such other
      information as the Company may reasonably request to ascertain the
      authority of such person. Such permitted transferee will be subject to,
      and bound by, the terms and provisions of this Agreement to the same
      extent as the original Warrant Holder.

            (b)   The Warrant Shares granted hereby may not be transferred or
      sold unless the transfer is exempt from further regulatory approval or
      otherwise permissible under applicable law, including state and federal
      securities laws, and will bear a legend to this effect as set forth in
      Section 6 hereof.

      11.   Miscellaneous.

            (a)   All notices, requests, demands and other communications
      required or permitted hereunder shall be in writing and shall be deemed to
      have been duly given when delivered by hand, telegram or facsimile
      transmission, or if mailed, by postage prepaid first class mail, on the
      third business day after mailing, to the following address (or at such
      other address as a party may notify the other hereunder):

      To the Company:

            Georgia Trust Bancshares, Inc.
            3570 Financial Center Way, Suite 2
            Buford, Georgia  30519
            Attention:  J. Michael Allen
                        President and Chief Executive Officer

      To the Warrant Holder:

            ___________________________________
            ___________________________________
            ___________________________________

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            (b)   The Company covenants that it has reserved and will keep
      available, solely for the purpose of issue upon the exercise of the
      Warrant, a sufficient number of shares of the Company's Common Stock to
      permit the exercise of the Warrant in full.

            (c)   No holder of the Warrant, as such, shall be entitled to vote
      or receive dividends with respect to the Warrant Shares subject thereto or
      be deemed to be a shareholder of the Company for any purpose until the
      Company's Common Stock has been issued.

            (d)   This Agreement may be amended only by an instrument in writing
      executed by the party against whom enforcement of amendment is sought.

            (e)   This Agreement may be executed in counterparts, each of which
      shall be deemed an original, but all of which shall constitute one and the
      same instrument.

            (f)   This Agreement shall be governed by and construed and enforced
      in accordance with the laws of the State of Georgia.

      IN WITNESS WHEREOF, the Company has caused this Agreement to be signed by
a duly authorized officer and its corporate seal to be affixed hereto and the
Warrant Holder has executed this Agreement, all as of the day and year first
above written.

                                       GEORGIA TRUST BANCSHARES, INC.

                                       By:______________________________________
                                           J. Michael Allen
                                           President and Chief Executive Officer

                                       WARRANT HOLDER

                                       _________________________________________

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                                   SCHEDULE A

                               NOTICE OF EXERCISE
                     OF WARRANT TO PURCHASE COMMON STOCK OF
                         GEORGIA TRUST BANCSHARES, INC.

To:   GEORGIA TRUST BANCSHARES, INC.

      The undersigned, the registered owner of the right to purchase shares of
Common Stock (the "Common Stock") of Georgia Trust Bancshares, Inc. (the
"Company"), hereby irrevocably elects to exercise such right to purchase
thereunder ________ shares of the Common Stock of the Company and herewith makes
payment of $________ therefor, and requests that the certificate(s) evidencing
such shares be issued in the name of and be delivered to:

            Name:_________________________________

            Address:______________________________
                    ______________________________
                    ______________________________

            Social Security or
                Tax I.D. Number:

and if such shares shall not be all of the shares purchasable hereunder, that a
new warrant of like tenor for the balance of the shares purchasable hereunder be
delivered to the undersigned.

Date:___________________________

                                            NAME OF WARRANT HOLDER

                                            By:_________________________________
                                              Name:_____________________________

                THIS NOTICE OF EXERCISE SHALL NOT BE GIVEN EFFECT
               BY THE COMPANY UNLESS THE HOLDER OF THE UNDERLYING
                 WARRANT HAS PROPERLY COMPLETED AND SIGNED BOTH
            THIS NOTICE OF EXERCISE FORM AND THE SUBSTITUTE FORM W-9
                                ATTACHED HERETO.

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                               SUBSTITUTE FORM W-9

Under the penalties of perjury, I certify that:

      1.    The Social Security Number or Taxpayer Identification Number given
            below is correct; and

      2.    I am not subject to backup withholding either because I have not
            been notified that I am subject to backup withholding as a result of
            a failure to report all interest or dividends, or because the
            Internal Revenue Service has notified me that I am no longer subject
            to backup withholding.

IMPORTANT INSTRUCTIONS: You must cross out #2 above if you have been notified by
the Internal Revenue Service that you are subject to backup withholding because
of under reporting interest or dividends on your tax return and if you have not
received a notice from the Internal Revenue Service advising you that backup
withholding due to notified payee under reporting has terminated.

SIGNATURE* ________________________________

DATE_______________________________

* If a corporation, please sign in full corporate name by president or other
authorized officer. When signing as officer, attorney, custodian, trustee,
administrator, guardian, etc., please give your full title as such. In case of
joint tenants, each person must sign.