GORDON McBRIDE

                                 ATTORNEY-AT-LAW

606 WEST CAROLINA AVENUE                                      TELEPHONE
POST OFFICE BOX 2555                                          (843) 339-9001
HARTSVILLE, SOUTH CAROLINA 29551                              FAX (843) 339-9006





                                October 26, 2000

Curtis Tyner
Hartsville Community Bank
644 S. Fourth St.
Hartsville, S.C. 29550

Dear Curtis:

         This will confirm our conversations  concerning the fact that the lease
on the  building on Fourth  Street  expires at the end of this  month.  It is my
understanding  you wish to renew  the lease on a month to month  basis.  That is
acceptable  to me  with  the  understanding  the  Bank  will  give  me at  least
forty-five (45) days prior written  notice.  I calculate the increase and note a
five percent increase would raise the monthly rate to $987.00.

         It is  understood  the rent will be $985.00  per month for the  ensuing
term.  If this meets with your  approval,  please  indicate that on the enclosed
copy of this letter and return it to me.

         In the event you have any question or you wish to discuss the matter in
any way, please do not hesitate to contact me.

                                                     Warm personal regards,

                                                     s/Gordon McBride
                                                     ---------------------------
                                                      Gordon McBride

GM/sf
Enclosure


I agree to the above terms.

s/Curtis Tyner
--------------------------------------------
Curtis Tyner





<PAGE>

                                 GORDON MCBRIDE

                                 ATTORNEY-AT-LAW

424 WEST CAROLINA AVENUE
POST OFFICE BOX 2555                                             TELEPHONE
HARTSVILLE, SOUTH CAROLINA 29551                                 (843) 339-900



                                November 23, 1999

Curtis Tyner
Hartsville Community Bank
644 S. Fourth St.
Hartsville, S.C. 29550

Dear Curtis:

         This will confirm our recent conversations  concerning the lease of the
building at 644 S. Fourth  Street by the  Hartsville  Community  Bank.  You will
recall  the lease  expired  on  October  31 and you  indicated  orally  that you
intended to renew it for at least the coming year.

         In accordance  with the provisions of the lease it is understood that a
maximum increase in rent of five percent would be possible.  However,  you and I
agreed that the rent for the coming year,  commencing on December 1, 1999, would
be Nine Hundred Forty Dollars ($940.00).  If this agrees with your understanding
of the renewal and current situation, please so indicate on the enclosed copy of
this correspondence.

                                                     Warm personal regards,


                                                     s/Gordon McBride
                                                     ---------------------------
                                                     Gordon McBride

GM/sf




<PAGE>


                                                      P.O. Box 2555
                                                      Hartsville, S.C. 29551
STATE OF SOUTH CAROLINA    )
                           )                          LEASE
COUNTY OF DARLINGTON       )


         Agreement of lease made as of this 23rd day of October,  1998,  between
C. Gordon McBride  (hereinafter  designated  Landlord) and Hartsville  Community
Investors, LLC (hereinafter designated Tenant).

         Landlord hereby leases to Tenant and Tenant hereby leases from Landlord
these  premises  located upon the terms and  conditions  as herein set forth and
described hereinbelow.

         NOW,  THEREFORE,  the  parties  hereto  for  themselves,  their  heirs,
executors, administrators, successors and assigns, hereby covenant as follows:

         PREMISES.  Landlord,  for and in consideration of the rents hereinafter
provided for and the  covenants,  conditions  and  agreements  herein  reserved,
mentioned  and  contained  on the  part  of the  Tenant  to be  paid,  kept  and
performed,  does hereby  lease to the Tenant and Tenant  does hereby  lease from
Landlord,  upon the conditions,  agreements and covenants herein expressed,  the
following property  (hereinafter  called Premises),  to wit: the ground floor of
the building  located on the northwest  corner of the  intersection of S. Fourth
Street and Berkeley Avenue in the City of Hartsville, South Carolina.

         TERM.  The term of this Lease shall  commence on,  November 1, 1998 and
shall extend until, October 31, 1999 unless terminated sooner in accordance with
the provisions hereinafter contained;  provided,  however, Tenant shall have the
right to extend this lease upon ninety (90) days written notice to Landlord.

         RENT.  Tenant  covenants  and agrees to pay to the Landlord as rent for
the premises during the term hereof an annual rent of Ten Thousand Eight Hundred
and No/100  ($10,800.00)  payable in equal monthly  installments of Nine Hundred
and No/100  ($900.00)  Dollars  payable in advance on or before the first day of
each month.  Upon  termination of the term of this lease,  the Tenant shall have
the option to renew this Lease for two  successive  terms of one (1) year if the
Tenant is not in default at the time the option is to be  exercised.  The option
will be  exercised  by written  notice to the Landlord to be given not less than
three (3) months prior to the last day of the expiring  term.  The rent for each
succeeding  renewal  term shall be  negotiated  at the time notice of renewal is
given.

         REPAIRS.  Landlord  reserves  the right to stop the  service of the air
conditioning, sprinkler system, plumbing and electric systems when necessary, by
reason of accident, or of repairs, alterations or improvements,  when reasonably
desirable  or  necessary  to  be  made  until  such  repairs,   alterations   or
improvements  shall have been  completed.  The Tenant  shall pay all utility and
maintenance  costs  on the  interior  of said  Premises  and  Landlord  shall be
responsible for maintenance of the roof and exterior walls.

         QUIET  ENJOYMENT.  Landlord  covenants and agrees with Tenant that upon
Tenant  paying the rent and observing and  performing  the terms,  covenants and
conditions on Tenant's part to be observed and performed  Tenant shall peaceably
and quietly enjoy the Premises hereby  demised,  subject,  nevertheless,  to the
terms and conditions of this Lease.

         IMPROVEMENTS.  Tenant  shall not have the right to display or erect any
lettering,  signs,  advertisements  or awnings or to do any  boring,  cutting or
stringing of wires or make any improvements without the prior written permission
of  Landlord.  All  additions  or  improvements,   except  reasonably  removable
fixtures,  shall  become  the  property  of the  Landlord,  at the option of the
Landlord to require that they be removed by the Tenant at Tenant's expense.




<PAGE>

         CONDUCT OF TENANT.  Tenant shall not do or permit to be done any act or
thing upon said Premises, which will invalidate or be in conflict with insurance
policies  covering any building  which is a part of the Premises,  and shall not
do, or permit  to be done,  any act or thing  upon  said  Premises  which  shall
subject Landlord to any liability or responsibility  for injury to any person or
persons or to property by reason of any business or operation  being  carried on
upon said Premises; nor shall Tenant use the Premises for any purpose whatsoever
which might  create a nuisance or injure the  reputation  of the  Premises;  nor
shall Tenant permit the illegal use of alcohol or drugs in the Premises.

         INSURANCE.  Tenant shall be responsible  for all contents and liability
insurance and Landlord shall be responsible for insurance on the building.

         DAMAGE TO PREMISES. If the Premises or the building of which they are a
part are so damaged  that they are  untenantable  for conduct of the business of
Tenant or the Landlord shall decide to demolish it and/or rebuild it, then or in
any of such events  Landlord or Tenant may,  within  thirty (30) days after such
fire or any other cause, give the other party hereto a notice in writing of such
decision,  thereupon  the term of this Lease shall  expire by lapse of time upon
the third day after such notice is given,  and Tenant  shall vacate the Premises
and surrender the same to the Landlord.  In the event the Premises are partially
damaged, then the rent payable hereunder shall be prorated in the proportion the
useable space after such damage bears to the original space of the Premises.

         SUBLEASE  AND  ASSIGN.  Tenant  shall  not have the  right to assign or
sublease all or any portion of the Premises without the prior written consent of
Landlord which shall not be unreasonably withheld.

         INDEMNIFICATION.  Tenant hereby agrees to be solely responsible for, to
defend and indemnify,  and to hold Landlord  harmless from any liability claims,
demands,  causes of action, or damages,  including  reasonable  attorney's fees,
arising out of actions  and/or  business  of the Tenant.  Tenant will obtain and
maintain liability insurance providing  protection for Landlord as named insured
in amounts of coverage specified below, against any claims, demands or causes of
action or damages,  including  reasonable  attorney's  fees,  arising out of any
alleged  acts of  commission  or  omission or any cause  whatsoever  by Tenant's
business.  Such  insurance  policy shall  provide  that  Landlord be named as an
additional insured and that it may not be cancelled without at least thirty (30)
days written  notice to Landlord  which shall be furnished with a certificate of
such  insurance.  Tenant  agrees that such  insurance  policy or policies  shall
provide coverage of One Million and No/100 ($1,000,000.00)  Dollars for personal
injuries  arising out of each occurrence and coverage  thereunder of One Hundred
Thousand and No/l00  ($100,000.00)  Dollars for property  damage  arising out of
each occurrence.

         NO JOINT VENTURE OR  ENDORSEMENT  OF TENANT.  Nothing in this agreement
shall be construed to place the parties in the relationship of partners or joint
ventures or agents,  and  neither  Tenant nor  Landlord  shall have the power to
obligate  or bind each other in any manner  whatsoever,  and  Landlord in no way
represents itself as guarantor of the quality of any product or service provided
by Tenant.  Tenant agrees that it will neither state nor imply,  either directly
or indirectly  that the Tenant,  or his activities  are  supported,  endorsed or
sponsored by Landlord and,  upon the direction of Landlord,  shall issue express
disclaimers to that effect.

         ENTRY.  Landlord or Landlord's agents shall have the right to enter the
Premises at all  reasonable  times during  normal  business  hours or by special
arrangement  with a  representative  of  Tenant;  provided,  there  shall  be no
substantial inconvenience to the business of Tenant.

         HEIRS,  EXECUTORS,  ETC.  The  covenants,   conditions  and  agreements
contained  in this Lease  shall bind and inure to the  benefit of  Landlord  and
Tenant and their respective heirs, executors, administrators and assigns.

         IN WITNESS WHEREOF,  the Landlord and Tenant have  respectively  signed
and sealed this Lease on the day and in the year first above written.


                              [Signatures Omitted]




<PAGE>


STATE OF SOUTH CAROLINA    )
                           )
COUNTY OF DARLINGTON       )


                                ADDENDUM TO LEASE


         WHEREAS,  an Agreement of Lease was executed October 23, 1998,  between
C. Gordon McBride (designated Landlord), and Hartsville Community Investors, LLC
(designated Tenant);

         AND  WHEREAS,  it has come to the  attention  of the parties that it is
necessary  for  certain   provisions  in  the  Lease  to  meet  Federal  Banking
Regulations;

         NOW, THEREFORE, the said Lease is amendended as follows:

         RENT:    Add at the end of the paragraph the following:
         "Provided,  however,  the Tenant shall have the right to terminate  the
Lease during any renewed term upon three months written notice to Landlord.  The
rent for any renewal  term shall not exceed an increase or decrease of more than
five percent."

         IN WITNESS WHEREOF,  the Landlord and Tenant have  respectfully  signed
and sealed this Addendum to Lease on the 3rd day of February, 1999.

                              [Signatures Omitted]