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Form of Community First, Inc. Incentive Stock Option Agreement      Exhibit 10.2

                              COMMUNITY FIRST, INC.
                        INCENTIVE STOCK OPTION AGREEMENT

TO:

      We are pleased to notify you that you have been granted an option
("Option") to purchase _________ shares of the common stock no par value
("Common Stock") of Community First, Inc. (the "Company") at a price of $______
per share, the Fair Market Value of the Common Stock, under the Company's 2005
Stock Incentive Plan (the "Plan") by the Board of Directors (the "Board of
Directors" or "Board") of the Company or a Committee of the Board (the
"Committee") administering the Plan, as the case may be. This Option may
thereafter be exercised only upon the terms and conditions set forth below.

      1.    PURPOSE OF PLAN

      The purpose of the Plan under which this Option has been granted is to
enable the Company to attract, retain and reward key employees of and
consultants to the Company and its direct and indirect subsidiaries (each a
"Subsidiary", and, collectively, "Subsidiaries") and directors who are not also
employees of the Company, and to strengthen the mutuality of interests between
such key employees, consultants, and directors by awarding such key employees,
consultants, and directors (collectively "Participants") performance-based stock
incentive and/or other equity interests or equity-based incentives in the
Company, as well as performance-based incentives payable in cash.

      2.    PLAN CONTROLS

      This Option is granted pursuant to the terms of the Plan and is subject to
all of the terms and conditions of the Plan, which is incorporated herein by
reference. The Compensation Committee has authority to interpret this Option and
its interpretation shall be binding. If any of the provisions of this Option
conflict with or are inconsistent with the provisions of the Plan, the
provisions of the Plan shall be controlling.

      3.    ACCEPTANCE OF OPTION AGREEMENT

      Your execution of this option agreement will indicate your acceptance of
and your willingness to be bound by its terms; it imposes no obligation upon you
to purchase any of the shares subject to the Option. Your obligation to purchase
shares can arise only upon your exercise of the Option in the manner set forth
in Section 5 hereof.

      4.    WHEN OPTION MAY BE EXERCISED

      This option may be exercised in cumulative annual installments of ____% of
the total number of shares purchasable by you hereunder, the first such
installment being exercisable on _____, _______ (or one year from the date of
the grant) and subsequent additional installments of ____% of such shares being
exercisable on each anniversary of the _______ succeeding years thereafter. This
Option expires 10 years from the date of grant whether or not it has been duly
exercised, unless sooner terminated as provided in Sections 6, 7, and 8 hereof.

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      5.    HOW OPTION MAY BE EXERCISED.

      This Option is exercisable by giving written notice to the Company at its
executive offices, signifying your election to exercise the Option. The notice
must state the number of shares of Common Stock as to which the Option is being
exercised, must contain a statement by you (in a form acceptable to the Company)
that such shares are being acquired by you for investment and not with a view to
their distribution or resale (unless a registration statement covering the
shares purchasable been declared effective by the Securities and Exchange
Commission) and must be accompanied by check payable to the order of the Company
for the full purchase price of the shares being purchased and such amount, if
any, as may be required for income tax withholding. No shares shall be issued
until full payment therefor has been made and your income tax withholding
obligations satisfied.

      If notice of the exercise of this Option is given by a person or persons
other than you, the Company will require the submission to the Company of
appropriate proof of the right of such person or persons to exercise this
Option.

      Certificates for shares of the Common Stock so purchased will be issued as
soon as practicable. The Company, however, shall not be required to issue or
deliver a certificate for any shares until it has complied with all requirements
of the Securities Act of 1933, as amended, the Securities Exchange Act of 1934,
as amended, any stock exchange on which the Common Stock may then be listed and
all applicable state laws in connection with the issuance or sale of such shares
or the listing of such shares on said exchange. Until the issuance of the
certificate for such shares, you or such other person as may be entitled to
exercise this Option, shall have none of the rights of a shareholder with
respect to shares subject to this Option.

      6.    TERMINATION OF EMPLOYMENT

      If your employment with the Company (or a Subsidiary) is terminated for
any reason other than as a result of your death, Disability or Normal or Early
Retirement, you may exercise that portion of this Option which was exercisable
by you at the date of termination at any time within ninety (90) days of the
date of such termination; provided, however, such exercise occurs within 10
years of the date this Option was granted to you, and further provided that in
the event such termination was for "Cause" (as defined in the Plan), this Option
shall immediately lapse and expire.

      7.    DISABILITY OR RETIREMENT

      If your employment with the Company (or a Subsidiary) is terminated by
reason of your Disability, you may exercise that portion of this Option which
was exercisable by you at the date of such termination at any time within 12
months of the date of such termination; provided, however, that such exercise
occurs within 10 years of the date this Option was granted to you. If your
employment with the Company (or a Subsidiary) is terminated by reason of Normal
or Early Retirement, you may exercise that portion of this Option which was
exercisable by you at the date of such termination at any time within ninety
(90) days of the date of such termination;

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provided, however, that such exercise occurs within 10 years of the date this
Option was granted to you.

      8.    DEATH

      If you die while employed by the Company (or a Subsidiary), or within the
applicable time periods set forth in Section 7 above for termination of your
employment due to Disability or Normal or Early Retirement, that portion of this
Option which was exercisable by you at the date of your death, Disability or
Retirement may be exercised by the legal representative of your estate or the
legatee or legatees under your will within 12 months from the date of your
death, but in no event after 10 years from the date this Option was granted to
you.

      9.    NON-TRANSFERABILITY OF OPTION

      This Option shall not be assignable or transferable without the prior
written consent of the Committee except by will or the laws of descent and
distribution.

      10.   INCENTIVE STOCK OPTION

      This Option is intended to be an "incentive stock option" as defined in
Section 422 of the Internal Revenue Code of 1986, as amended (the "Code").
However, in the event that the number of shares subject to this Option exceeds
any maximum established under the Code for incentive stock options that may be
granted to you, this Option shall be considered a non-qualified stock option for
purposes of the Code to the extent of such excess.

      11.   ADJUSTMENTS

      The number of shares of Common Stock subject to this Option and the price
per share of such shares may be adjusted by the Board of Directors from time to
time pursuant to the Plan.

      12.   MODIFICATION

      This Option may be amended by the Committee, or the Board, as the case may
be (subject to certain limitations as set forth in the Plan), prospectively or
retroactively and in whole or in part, except that no such action may impair
your rights with respect to this Option without your consent.

      13.   MEANING OF CAPITALIZED TERMS

      Capitalized terms used herein and not otherwise defined shall have the
meaning ascribed to them in the Plan.

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      14.   WHEN OPTION BECOMES EFFECTIVE

      This Option shall not become effective unless a copy of this option
agreement has been signed by you and returned to the Company at the following
Address:

                              Community First, Inc.
                         501 South James Campbell Blvd.
                              Columbia TN 38401
                              Attn: Diane Scroggins

                                           Sincerely yours,

                                           COMMUNITY FIRST, INC.

                                           By:__________________________________
                                           Name: _______________________________
                                           Title: ______________________________

Agreed to and accepted this

_____day of________, ______

__________________________________

Name: ____________________________

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