EXHIBIT 10.10
                                      LEASE

         THIS LEASE made this 1st day of January,  2003 (the  "Effective  Date")
between Ara A. and Mary Lou Ayanian,  (the  "Landlord") and County National Bank
(the "Tenant").

         WITNESSETH  that  in  consideration  of the  covenants  and  agreements
hereinafter set forth,  Landlord hereby leases to Tenant, and Tenant leases from
Landlord the hereinafter  described  premises including land and buildings known
as 504 S.  Camp  Meade  Road  (Veterinary  Clinic)  and 506 S. Camp  Meade  Road
(Domino's  Building),  as described  below in Paragraph 1 "Premises"  and made a
part hereof, upon the following terms and conditions:

         1.  PREMISES

         The  premises  leased (the  "Premises")  are  described  in deeds dated
5/8/1962  and  12/2/1971  and  recorded  among the land  records of Anne Arundel
County at liber 1564 and 2512, folio 412 and 61, respectively,  and known as 504
and 506 S. Camp Meade Road,  Linthicum,  MD. The  property is located in the 5th
Assessment  District of Anne Arundel County,  Maryland  consisting of .67 acres,
more or less, together with the improvements,  appurtenances and systems thereon
to include,  but not limited to, plumbing,  electrical,  and heating and cooling
systems,  and all of Landlord's right,  title and interest in and to any and all
estates,  rights,  privileges,   easements,  ways,  rights  of  way,  waterways,
agreements and  appurtenances  belonging to or in any way  appertaining  to said
property, hereinafter referred to as "the Property".

         2. LEASE TERM

         The term of this lease shall begin on the  Commencement  Date,  January
01, 2003  ("Commencement  Date"),  the date Landlord delivers  possession of the
Premises to the Tenant and shall  terminate  on the date which is five (5) years
from and after the Commencement Date.
         The term "Lease Year" shall be the (12) twelve  month period  beginning
on the Commencement Date.
         The Basic  Rent is  presented  on  Exhibit  A, Rent  Schedule,  that is
attached  herewith and  describes in detail the rent and the initial term of the
lease and options and is made part hereof.
         3. BASIC RENT

         Beginning on the Commencement  Date, Tenant covenants and agrees to pay
Landlord as annual rental  twelve equal monthly  payments for each Lease Year of
the Term (the  "Basic  Rent"),  the sum of money as shown in the Rent  Schedule,
Exhibit "A", and  incorporated  herein by reference,  payable in advance without
demand or setoff in equal  monthly  installments,  on or before the first day of
each month during the Term.



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<PAGE>

         4. OPTION TO RENEW

         Tenant  shall  have  the  option  to  renew  this  Lease  for  four (4)
additional  five (5) year terms.  Such renewals shall  automatically  take place
unless  Tenant  gives  notice to Landlord at least 90 days before the end of the
initial term of this lease or any renewals thereof, that Tenant does not wish to
renew this Lease.  All of the terms and conditions of this Lease shall remain in
force  during any renewal  terms  except that the Rent for the first year of the
initial term is fixed at $3,700.00 per month and the remaining four years of the
initial  term and any renewal  terms will be subject to  increases  based on the
Consumer Price Index (CPI).  The Rent shall be adjusted at the beginning of each
year by the  change  in the  Consumer  Price  Index.  This  adjustment  shall be
determined in accordance  with the following and is subject to a maximum  annual
increase of 4%.  Landlord shall compute the  adjustment,  if any, in the cost of
living,  using as the basis of such  computation  the  Consumer  Price Index for
Urban Wage Earners and Clerical Workers (current series),  Washington-Baltimore,
DC-MD-VA-WV, All Items (base period of 1996=100) as promulgated by the Bureau of
Labor Statistics of the United States  Department of Labor  (hereinafter  called
the "Index").

         5. SECURITY DEPOSIT

         Tenant,  contemporaneously  with the execution of this Lease,  has paid
Landlord  $3,700.00 as security  for the  performance  hereof by Tenant.  Tenant
shall not be entitled to interest  thereon.  If Tenant  defaults with respect to
any  provision of this Lease,  Landlord  may, but shall not be required to, use,
apply or retain all or any part of this security  deposit for the payment of any
rent or any other sum in default,  or for the payment of any other  amount which
Landlord may spend or become  obligated to spend for reasonable  attorneys' fees
incurred  by  Landlord  to  recover  possession  of the  Premises.  The right of
Landlord to apply the security  deposit as  specified  shall not be a limitation
upon Landlord's right to invoke any other remedy available,  to collect the full
amount of rent,  and  damages  owed by Tenant.  Tenant  shall not be entitled to
interest thereon.  If Tenant shall fully and faithfully  perform every provision
of this Lease to be performed by it, the security  deposit  shall be returned to
Tenant  within  forty-five  (45) days of the  expiration of this Lease or may be
applied toward the final month's rent.

         6. USE OF PREMISES

         (a) Tenant shall use the Premises solely for retail space and primarily
to construct a commercial bank facility.  The existing  tenant,  Domino's Pizza,
will  continue to use the  property as a subtenant  of County  National  Bank as
authorized in this lease.
         (b) Landlord  authorizes the Tenant to demolish the existing unoccupied
building that is in poor condition known as the Veterinary  Clinic, to prepare a
site for the new bank building.  Commencement of this demolition shall not occur
until all permits/approvals for the new construction have been received.

         7. RELATIONSHIP BETWEEN TENANT AND LANDLORD



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<PAGE>

         It is hereby understood and agreed that nothing contained in this Lease
shall be deemed or  construed by the parties  hereto,  nor by any third party as
creating the  relationship of principal and agent,  partnership or joint venture
between the parties hereto.

         8. ASSIGNMENT AND SUBLETTING

         Tenant  shall  have the  right to  assign  or  encumber  this  Lease or
Tenant's  interest  hereunder,  in whole or in part, and to sublet or permit the
occupancy or use by any other party of all or any part of the  Premises  without
obtaining the prior written consent of Landlord.

         9. ALTERATIONS AND LAND AND DEMOLITION OF EXISTING BUILDING

         Tenant  covenants,  other  than  for the  initial  construction  of the
Improvements  as  described  in  Exhibit  B  hereto  and the  demolition  of the
unoccupied  building known as the Veterinary Clinic, 504 S. Camp Meade Rd., that
it will at no time or  times  make any  material  alterations,  improvements  or
changes of any kind to the Land without first  submitting  the plans thereof and
securing the prior written  consent of the Landlord,  which consent shall not be
unreasonably withheld or delayed; provided, however, that Tenant may, at its own
option, expense, and without having to secure the consent,  written or otherwise
of the Landlord:
         (a) make any alternations or changes of any kind to the Improvements
and/or the Land which may be required by any governmental order or regulation;
and
         (b) undertake any landscaping or similar work or painting or decorating
with respect to the Improvements and/or the land which are of a minor nature and
are reasonably necessary to the use by Tenant of the Improvement and/or the Land
as contemplated hereunder.
         All  improvements,  alternations,  replacements  and  building  service
equipment made or installed by or on behalf of Tenant and permanently affixed to
the Land,  immediately  upon the expiration of this lease due either to Tenant's
affirmative  declination  of its  right  to  exercise  any  option  to  renew or
expiration  of the final  renewal  term hereof if Tenant does not  exercise  its
option to purchase  contained in Paragraph 28 herein,  shall become the property
of Landlord without payment therefore by Landlord,  provided that all machinery,
equipment  (other than building  service  equipment),  trade  fixtures,  movable
partitions,  furniture and furnishings  installed by Tenant or maintained on the
Land, even if permanently affixed thereto, shall remain the property of Tenant.

         10. REPAIRS AND MAINTENANCE

         Tenant  covenants  throughout the term, at its expense,  to maintain in
good order and repair the interior and exterior  structure of the  Improvements,
and to maintain and replace when  necessary,  all window and door glass therein,
interior and  exterior;  to maintain and repair all building  service  equipment
within the Improvements  including,  but not limited to,  electrical,  plumbing,
heating, air conditioning and sprinkler equipment,



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<PAGE>

pipes,  wires,  ducts,  fixtures  and  appliances  and to make all  ordinary and
necessary repairs; to keep the Land in a safe, clean and sanitary condition; and
to provide for the removal of trash and rubbish.

         11. LIABILITY INSURANCE

         Tenant shall obtain and maintain public liability insurance in form and
substance  reasonably  satisfactory  to Landlord and Landlord's  lender,  if any
Lender exists,  naming Landlord an additional  insured against claims for bodily
injury or death occurring in or about the  Improvements  and/or the Land and on,
in or about the adjoining  driveways and  passageways,  to the limit of not less
than One Million Dollars ($1,000,000.00) in respect of bodily injury or death to
one  person,   and  to  the  limit  of  not  less  than  One   Million   Dollars
($1,000,000.00)  in respect  of one  accident,  and  property  damage  insurance
insuring  against claims for damage or injury to property of others occurring in
or about the  Improvements  and/or  the Land and on,  in or about the  adjoining
streets  and  passageways,  to the limit of not less than One  Hundred  Thousand
Dollars  ($100,000.00)  in respect to damage to the  property of  another.  Said
policy shall  provide that  notwithstanding  any  negligent  act of Tenant which
might  otherwise  result in its  forfeiture,  the policy  shall not be  canceled
without  at least  thirty  (30) days  written  notice to each named  assured.  A
certificate of such insurance shall be delivered to Landlord.

         12. DAMAGE OR DESTRUCTION

         If the Improvements are damaged by fire or other casualty, Tenant shall
make repairs  thereto as soon as  reasonably  and  conveniently  may be done and
shall have no claim against  Landlord based upon such damage.  In no event shall
Landlord  be  liable to Tenant  for any loss or  damage  sustained  by Tenant to
Tenant's property by reason of such fire or other casualty.

         13. COMPLIANCE WITH REGULATIONS, ETC.

         Tenant covenants  throughout the term at its expense to comply promptly
with  all  laws,  codes,   ordinances,   administrative  and  court  orders  and
directives,  rules and regulations  which have the force of law,  whether now in
effect or hereafter promulgated, applicable to Tenant's use and occupancy of the
Improvements  and/or  the  Land,  including,  but  not  limited  to,  provisions
enforceable  by the  Office of the  Comptroller  of the  Currency,  the  Federal
Deposit  Insurance  Corporation  and/or the Board of  Governors  of the  Federal
Reserve   System.   However,   Tenant  shall  have  the  right  to  contest  the
applicability  and/or  validity of any of the above so long as by reason of such
action,  the Land would not be in danger of forfeiture or loss.  Landlord  shall
comply with all other laws, codes,  ordinances,  administrative and court orders
and directives,  rules and regulations  which have the force of law, whether now
in effect or hereafter  promulgated.  Landlord  shall enter into any  agreements
deemed  necessary  or  required  by  governmental  agencies  for the  purpose of
obtaining permits for improvements to the land.




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<PAGE>

         14. CONDEMNATION

         (a) If during the terms of this Lease, all or a substantial part of the
Improvements  and/or  the Land shall be taken by eminent  domain,  then,  at the
option of the Tenant,  the Lease shall  terminate  as of the date of such taking
and the rent  shall be  apportioned  to and abate  from and  after,  the date of
taking, and Tenant shall have the right to receive any award or damages for such
taking  (except  as set forth in  sub-paragraph  (d)  hereof)  as related to the
Improvements.  For  purposes of this  Paragraph  14 "a  substantial  part of the
Improvements and/or the Land" shall mean a taking which renders Tenant unable to
carry on its business on the Land in substantially the same manner as previously
conducted.  If Tenant does not exercise its right to terminate  this Lease,  the
Rent shall be equitably adjusted based on the amount of the Improvements  and/or
Land  taken;  and  Tenant  shall have the right to  participate  in any award or
damages for such taking as related to the Improvements.
         (b) If during the term of this Lease,  less than a substantial  part of
the Land (as hereinbefore  defined) shall be taken by eminent domain, this Lease
shall remain in full force and effect  according  to its terms,  except that the
Rent shall be equitably adjusted based on the amount of the Improvements  and/or
the Land taken;  and Tenant shall have the right to  participate in any award or
damages for such taking as related to the Improvements.
         (c) For purposes of this  Paragraph  14,  "taken by eminent  domain" or
"taking under the power of eminent  domain"  shall include a negotiated  sale or
lease and  transfer of  possession  to a  condemning  authority  under bona fide
threat of  condemnation  for public use, and Landlord alone shall have the right
to negotiate with the condemning authority and conduct and settle all litigation
connected  with the  condemnation.  As  hereinabove  used,  the words  "award of
damage" shall, in the event of such sale or settlement,  include the purchase or
settlement price of any such negotiated transfer.
         (d) Nothing  herein  shall be deemed to prevent  Tenant from  claiming,
negotiating,  and receiving from the condemning  authority,  if legally payable,
compensation for the taking of the Improvements and damages for Tenant's loss of
business, business interruption and/or removal and relocation.

         15. PAYMENT OF UTILITIES AND TAXES

         Tenant shall assume full  responsibility  for gas and  electricity  and
water/sewer charges commencing with charges incurred after Landlord delivers the
Premises to Tenant.  In addition,  Tenant shall be responsible  and pay when due
all taxes of any kind  assessed  against  any  leasehold  interest  or  personal
property  of any kind,  owned by or placed  in,  upon or about the  premises  by
Tenant.  In default of payment,  Landlord may, but is in no manner  required to,
make any such payment, and Tenant agrees to pay Landlord for same promptly, upon
demand. Landlord shall deem any such payment collectible as additional rent.


         16. LANDLORD'S RIGHT TO PERFORM TENANT'S CONVENANTS




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<PAGE>

         If Tenant shall fail to perform any covenant or duty  required of it by
this Lease or by law,  Landlord  shall,  after thirty (30) days advance  written
notice to Tenant (except in the case of an emergency, in which case Landlord may
act  without  notice),  have the right (but not the duty) to enter the Land,  if
necessary,  to perform the same if Tenant in the interim has not commenced  such
performance.  The reasonable  cost thereof shall be deemed to be Rent payable by
Tenant within twenty (20) days of demand therefore.

         17. INDEMNIFICATION OF LANDLORD

         Except with respect to claims  arising from  Landlord's  negligence  or
that of its agents, servants, or employees,  contractors,  licensees or invitees
or from a breach  of  Landlord's  obligations  hereunder,  Tenant  covenants  to
indemnify and save Landlord  harmless (to the extent not reimbursed by insurance
required by this Lease to be  furnished  by Tenant or  insurance  maintained  by
Landlord to which  Landlord  shall  initially be  compensated)  from any and all
claims for  liability of any nature  whatever  arising from any use,  occupancy,
construction,  repairs,  or other work or activity done in, on or about the Land
during the term or from any condition of the Land or anything thereon or therein
during the term, or from any occurrence whatever in, on or about the Land during
the term, including all Landlord's  reasonable costs,  expenses and counsel fees
in connection with any such claim. Landlord shall give Tenant notice of any such
claim,  the  right  to  defend  against  the  claim  with  attorneys  reasonably
acceptable to Landlord (an insurance company's attorney being deemed acceptable)
and to settle such claim without cost to Landlord.

         18.  SIGNS

         It is agreed  that  Tenant may place  signs  anywhere  on the  premises
providing  that  placement  of signs  is in  accordance  with  all  governmental
regulations and restrictions.

         19. DEFAULT BY TENANT

         (a) Tenant  covenants  and agrees to pay the Basic Rent,  together with
all other sums of money which under the  provisions  hereof may be considered as
additional  rent, at the times and in the manner  hereinabove set forth,  and to
pay any other sums that may be due Landlord under this Lease promptly upon their
becoming due.
         (b) If  Tenant  shall  fail to pay any  installment  of  Basic  Rent or
additional  rent when due, or violate any other covenant or agreement made by it
in this Lease and if such failure,  violation or default shall continue  uncured
for ten (10) days  after  receipt by Tenant of written  notice  thereof  (or for
failures  which  cannot be corrected  within such ten (10) day period,  for such
additional  period as shall be  reasonably  required for the cure  provided that
Tenant  commences  the cure  within  such ten (10)  day  period  and  diligently
prosecutes such cure to completion).  Then, in any of said events, Landlord may,
at it's option  re-enter and resume  possession of the Premises,  and/or declare
this Lease and the tenancy hereby created  terminated and thereupon,  remove all
persons and property from the Premises, by summary proceedings or other judicial
process,  and




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<PAGE>

forthwith be entitled to the benefit of any public general or public local laws,
now or hereafter enacted, relating to the speedy recovery of possession of lands
and tenements held over by tenants in Anne Arundel County;  and not withstanding
such re-entry under this  subsection (b) or subsection  (c), Tenant shall remain
liable for any rent and other  amounts  due or accrued  to  Landlord  or damages
caused to  Landlord  prior  thereto,  and Tenant  shall  further  be liable,  as
liquidated damages for the breach of covenant,  to pay to Landlord the amount of
the Basic Rent and  additional  rent (as estimated by Landlord)  reserved  under
this Lease for the unexpired period of this Lease, less such amounts as Landlord
may from time to time actually receive from others to whom the Premises or parts
thereof may be rented from time to time, from which amounts Landlord shall first
be entitled to deduct all expenses  incurred in recovering  possession of and in
re-letting the Premises,  but Tenant shall not be entitled to any excess of such
amounts received from others over the liability of Tenant  hereunder;  provided,
however, that it shall be within the sole discretion of Landlord to determine to
whom, or whether to anyone,  the Premises shall be so rented,  the amount of the
rent and all other  terms and  conditions  of said  renting,  and the  period or
periods thereof,  whether less than, equal to or beyond the aforesaid  unexpired
term of this Lease,  and further Landlord shall be entitled,  at its option,  to
relief by injunction or otherwise,  in a Court of Equity against  continuance of
any violation of a covenant or agreement of this Lease.
         Notwithstanding  any other  provisions  of the  Lease to the  contrary,
prior to  taking  any  action  as a  result  of a Tenant  default  hereunder  or
otherwise  exercising  any  rights  prescribed  by any state or  municipal  law,
Landlord shall first give Tenant at least ten (10) days prior notice in the case
of monetary  defaults  and at least thirty (30) days prior notice in the case of
all other  defaults of the alleged  default.  If Tenant shall have commenced and
shall  thereafter  be diligent  in pursuing a cure,  such thirty (30) day period
shall be extended for such  reasonable  additional time as shall be necessary to
cure such default.
         (c) (i) If Tenant shall  generally not pay its debts as they become due
or shall  admit in  writing  its  inability  to pay its  debts,  or shall make a
general  assignment  for the  benefit  of  creditors,  or (ii) if  Tenant  shall
commence  any  case,   proceeding  or  other  action   seeking   reorganization,
arrangement,  adjustment, liquidation,  dissolution or composition of it or it's
debts under any law relating to bankruptcy, insolvency, reorganization or relief
of debtor,  or seeking  appointment of a receiver,  trustee,  custodian or other
similar official for it or for all or any substantial  part of its property,  or
(iii) if Tenant shall take any action to authorize  any of the actions set forth
in  subparagraphs  (i) or (ii) above,  or (iv) if any case,  proceeding or other
action  against  Tenant shall be  commenced  seeking to have an order for relief
entered  against  it  as  debtor,   or  seeking   reorganization,   arrangement,
adjustment, liquidation, dissolution or composition of it or its debts under any
law relating to bankruptcy, insolvency,  reorganization or relief of debtors, or
seeking  appointment of a custodian or other similar  official for it or for all
or any  substantial  part of its  property,  and such case,  proceeding or other
action (a)  results in the entry of an order for relief  against it which is not
fully  stayed  within  seven (7) days after the entry  thereof,  or (b)  remains
undismissed for a period of seven (7) days, or (v) if any execution,  attachment
or mechanics' lien against Tenant or the Premises is unsatisfied or unsecured by
adequate  corporate



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surety bond or cash security (in the sole  discretion of Landlord) for more than
five (5) days.  Landlord,  may at its option,  in any of such events,  terminate
this Lease and/or re-enter and resume  possession of the Premises by proceedings
or other  judicial  process and retaining  all rights  against  Tenant,  and its
receiver,  trustee,  custodian or similar official permitted,  under subsections
(b) and (c) hereof.
         (d)  Notwithstanding  the  provisions in subsection  (c) above,  in the
event of an assignment by operation of law under the Federal Bankruptcy Code, or
any state bankruptcy or insolvency law and Landlord's  election to not terminate
this Lease,  the assignee  shall provide  Landlord  with  adequate  assurance of
future performance of all of the terms, conditions, and covenants of this Lease,
which shall  include,  but which shall not be limited to,  assumption of all the
terms,  covenants and  conditions of the Lease by the assignee and the making by
the assignee of the following express  covenants to Landlord:  (i) that assignee
has sufficient capital to pay the Basic Rent,  additional rent and other charges
due  under  the  Lease  for the  remainder  of the  entire  Term;  and (ii) that
assumption  of the  Lease by the  assignee  will  not  cause  Landlord  to be in
violation or breach of any provision in any other Lease,  financing agreement or
operating agreement relating to the Land or the Building.

         20. INSPECTION AND ENTRY BY LANDLORD

         Tenant  will permit  Landlord,  and it's agent,  on  reasonable  notice
(except  in  emergencies)  and  during  reasonable  business  hours,  to inspect
Premises,  to enforce or carry out the  provisions of this Lease and to show the
same to prospective tenants and purchasers.

         21. FIRE AND EXTENDED COVERAGE AND BUSINESS INTERRUPTION INSURANCE

         (a) Tenant covenants to pay the aggregate  insurance  premiums for fire
and extended coverage on the Improvements and to maintain business  interruption
insurance.
         (b) Any proceeds from any  insurance  policies paid for by Tenant shall
be payable to Tenant without any liability therefor to Landlord.

         22. NOTICES

         All payments of rent shall be made to Landlord at 6 Yardley Lane,
Hilton Head, S.C. 29928 or at such other place as Landlord shall designate. All
notices required or permitted to be given under this Lease shall be in writing
and deemed to be properly served if sent by certified mail postage prepaid to
Landlord at the address to which rental payments are to be sent, and to Tenant
at the Premises, but either party may give written notice to the other to
stipulate a different address.

         23. TERMINATION AND HOLDING OVER




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         This Lease and the tenancy  hereby created shall cease and terminate at
the end of the Term, without the necessity of any notice from either Landlord or
Tenant to terminate the same, and Tenant hereby waives notice to quit and agrees
that  Landlord  shall  be  entitled  to the  benefit  of all  provisions  of law
respecting the summary  recovery of possession of premises from a tenant holding
over to the same extent as if  statutory  notice were given.  The rental for the
period of holdover  tenancy  shall  equal 100% of the Basic Rent and  additional
rent in effect for the previous month prior to the holdover period.

         24. ENTIRE AGREEMENT; LIMITATION OF LANDLORD'S LIABILITY

         This  Lease  is  intended  by  the  parties  as a  final  and  complete
expression of their agreement and as an exclusive statement of the terms thereof
this Lease can only be modified by a writing  executed by the parties  sought to
be bound.  This Lease and the covenants and conditions  herein  contained  shall
inure to the  benefit  of and be  binding  upon  Landlord,  its  successors  and
assigns, and shall be binding upon Tenant, its successors and assigns, and shall
inure to the  benefit  of  Tenant  and only such  assigns  of Tenant to whom the
assignment by Tenant has been consented to by Landlord.  All claims,  demands or
causes of action,  which Tenant may have against Landlord,  shall be enforceable
solely  against  Landlord  and not  against  any of the  individuals  who may be
principals or members of Landlord.  Landlord and Tenant  mutually  waive any and
all rights  which either may have to request a jury trial in any  proceeding  at
law or equity in any court of competent jurisdiction.

         25. SUBORDINATION AND ESTOPPEL CERTIFICATES

         This Lease is subject and  subordinate  to the lien of any  mortgage or
deed of trust now or at any time hereafter placed upon the Land, the Building or
the Premises.  Tenant hereby agrees to promptly  execute any and all instruments
(including estoppel  certificates) to effect such subordination,  or to agree to
any change in the order of relative  priority of such liens,  that the  Landlord
may from  time to time  request  or  require.  Tenant  agrees  to  attorn to any
successor to Landlord's interest in the Premises,  whether by sale,  foreclosure
or otherwise.

         26. QUIET ENJOYMENT

         Landlord  covenants  and agrees that if Tenant shall perform all of the
covenants and agreements required to be performed on the part of Tenant,  Tenant
shall,  subject  to the  terms of this  Lease,  have  the  peaceable  and  quiet
enjoyment of the premises.

         27. SEPARABILITY

         If any provision of this Lease shall be held invalid or  unenforceable,
the validity and enforceability of the remaining  provisions of this Lease shall
not be affected thereby.




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<PAGE>

         28. OPTION TO PURCHASE

         Landlord,  in consideration of the sum of Five Dollars ($5.00) received
from Tenant,  hereby gives Tenant an option to purchase (The  "Option") the Land
and Buildings on the terms and  conditions  contained in this  paragraph 28. The
Option  shall  commence on January 1, 2008 and run until and through  January 1,
2028 (the  "Option  Period").  The Option  must be  exercised  within the Option
Period.  The  transaction  to purchase the Land must close within a commercially
reasonable  time after the exercise of the Option.  The purchase  price shall be
determined as the greater of (a)  $560,000.00  increased  each year by $5,000.00
until option is exercised or (b) the  appraised  value of the Land and Buildings
less the appraised value of the Tenant improvement  included therein at the time
the option is exercised.
         The  Landlord and Tenant  shall  appoint one  appraiser to appraise the
Land and  Buildings  and such  appraisal  shall  be made at the  expense  of the
Tenant. If Landlord and Tenant cannot agree on one appraiser, each shall appoint
an  appraiser  and each  shall  bear the  cost of their  respectively  appointed
appraiser. In such event, the purchase price for the Land and Buildings shall be
the  average  of the  values  of the Land and  Buildings  determined  by the two
appraisers.  If Tenant does not exercise the Option prior to the  expiration  of
the Option Period, the consideration paid for the Option will be retained by the
Landlord and neither party shall have any further  rights nor claims against the
other.  The Option may be exercised by written notice to Landlord at the address
contained  in Paragraph 22 herein and shall be  considered  received  three days
after the date of mailing with the United States Postal Service.

         29.   RECORDING

         Landlord  agrees that if so requested by Tenant,  Landlord will execute
in recordable form for purposes of recordation at Tenant's expense:  (1) a short
form of lease containing the names and addresses of the parties; the description
of the Land;  the Term of this Lease  including  the  Commencement  Date and the
termination date; a description of any extension options; a statement  regarding
the use of the Land;  and such other  provisions as either party may  reasonably
require; and/or (2) a memorandum describing the Option contained in Paragraph 28
herein. Tenant shall be responsible for all costs, expenses,  charges, and taxes
in connection with the recordation of this Lease, the short form of lease or the
described memorandum.  If such a short form of this Lease is recorded,  upon the
termination  of this Lease,  Tenant shall execute,  acknowledge,  and deliver to
Landlord an instrument in writing  releasing  and  quitclaiming  to Landlord all
right,  title, and interest of Tenant in and to the Land arising from this Lease
or otherwise, all without cost or expense to Landlord.

         30. WAIVER OF JURY TRIAL

         Landlord  and Tenant  waive  trial by jury in any action or  proceeding
brought by either of the parties hereto against the other or on any counterclaim
in  respect  thereof on any  matters  whatsoever  arising  out of, or in any way
connected with, this Lease,  the


                                       10
<PAGE>

relationship  of  Landlord  and  Tenant,   Tenant's  use  or  occupancy  of  the
Improvements and/or Land and/or any claim of injury or damage under this Lease.

         IN WITNESS  WHEREOF,  the parties have  executed this Lease on the date
first above written.


WITNESS/ ATTEST

                                                 By: /s/ Ara A. Ayanian
---------------------------------                  --------------------
As to Landlord                                     Ara A. Ayanian
                                                   Landlord

                                                   /s/ Mary Lou Ayanian
                                                   --------------------
                                                    Mary Lou Ayanian
                                                    Landlord


WITNESS/ATTEST

                                                 BY: /s/ Jan W. Clark
---------------------------------                    ----------------
As to Tenant                                         County National Bank
                                                     Jan W. Clark, President
                                                     Tenant











                                       11
<PAGE>



<TABLE>
<CAPTION>

                                                                       Exhibit A
                                  RENT SCHEDULE
                                  -------------
<S>                                           <C>

Initial Term (2003 thru 2007)               Monthly Rent
-----------------------------               ------------

Year 1 - 01/01/2003 - 12/31/2003            $3,700.00
Year 2 - 01/01/2004 - 12/31/2004            $3,700.00 plus CPI adjustment per
                                            Paragraph 4
Year 3 - 01/01/2005 - 12/31/2005            Second year monthly rent
                                            plus CPI adjustment per Paragraph 4
Year 4 - 01/01/2006 - 12/31/2006            Third Year monthly rent
                                            plus CPI adjustment per Paragraph 4
Year 5 - 01/01/2007 - 12/31/2007            Fourth Year monthly rent
                                            plus CPI adjustment per Paragraph 4

First Option (2008 thru 2012)               Monthly Rent
-----------------------------               ------------

Year 1 - 01/01/2008 - 12/31/2008            Monthly Rent in effect for year ending
                                            12/31/2007 plus CPI adjustment per Paragraph 4
Year 2 - 01/01/2009 - 12/31/2009            First Year monthly rent
                                            plus CPI adjustment per Paragraph 4
Year 3 - 01/01/2010 - 12/31/2010            Second Year monthly rent
                                            plus CPI adjustment per Paragraph 4
Year 4 - 01/01/2011 - 12/31/2011            Third Year monthly rent
                                            plus CPI adjustment per Paragraph 4
Year 5 - 01/01/2012 - 12/31/2012            Fourth Year monthly rent
                                            plus CPI adjustment per Paragraph 4

Second Option (2013 - 2017)                 Monthly Rent
---------------------------                 ------------

Year 1 - 01/01/2013 - 12/31/2013            Monthly Rent in effect for year ending
                                            12/31/2012 plus CPI adjustment per Paragraph 4
Year 2 - 01/01/2014 - 12/31/-2014           First Year monthly rent
                                            plus CPI adjustment per paragraph 4
Year 3 - 01/01/2015 - 12/31/2015            Second Year monthly rent
                                            plus CPI adjustment per paragraph 4
Year 4 - 01/01/2016 - 12/31/2016            Third Year monthly rent
                                            plus CPI adjustment per paragraph 4
Year 5 - 01/01/2017 - 12/31/2017            Fourth Year monthly rent
                                            plus CPI adjustment per paragraph 4




                                       12
<PAGE>

                                                               Exhibit A, Page 2



Third Option (2018 - 2022)                  Monthly Rent
--------------------------                  ------------

Year 1 - 01/01/2018 - 12/31/2018            Monthly Rent in effect for year ending
                                            12/31/2017 plus CPI adjustment per Paragraph 4
Year 2 - 01/01/2019 - 12/31/2019            First Year monthly rent
                                            plus CPI adjustment per Paragraph 4
Year 3 - 01/01/2020 - 12/31/2020            Second Year monthly rent
                                            plus CPI adjustment per Paragraph 4
Year 4 - 01/01/2021 - 12/31/2021            Third Year monthly rent
                                            plus CPI adjustment per Paragraph 4
Year 5 - 01/01/2022 - 12/31/2022            Fourth Year monthly rent
                                            plus CPI adjustment per Paragraph 4


Fourth Option - 2023 - 2027                 Monthly Rent
---------------------------                 ------------

Year 1 - 01/01/2023 - 12/31/2023            Monthly Rent in effect for year ending
                                            12/31/2022 plus CPI adjustment per Paragraph 4
Year 2 - 01/01/2024 - 12/31/2024            First Year monthly rent
                                            plus CPI adjustment per Paragraph 4
Year 3 - 01/01/2025 - 12/31/2025            Second Year monthly rent
                                            plus CPI adjustment per Paragraph 4
Year 4 - 01/01/2026 - 12/31/2026            Third Year monthly rent
                                            plus CPI adjustment per Paragraph 4
Year 5 - 01/01/2027 - 12/31/2027            Fourth Year monthly rent
                                            plus CPI adjustment per Paragraph 4

</TABLE>






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