PROMISSORY NOTE


<TABLE>
<CAPTION>
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 PRINCIPAL   LOAN DATE   MATURITY    LOAN NO  CALL / COLL  ACCOUNT  OFFICER  INITIALS
<S>         <C>         <C>         <C>      <C>          <C>      <C>      <C>
275,000.00  03-05-2003  03-05-2004                                    RGE
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<FN>
  Reference in the shaded area are for Lender's use only and do not limit the
  applicability of this document to any particular loan or item. Any item above
        containing "***" has been omitted due to text length limitations.
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</TABLE>

Borrower:  SOUTHEAST COMMUNITY INVESTORS, LLC   Lender:  THE BANKERS BANK
           134 WEST PARKER STREET                        2410 Paces Ferry Road
           BAXLEY, GA  31513                             600 Paces Summit
                                                         Atlanta, GA  30339-4098
================================================================================

Principal Amount: $275,000.00  Initial Rate: 4.000%  Date of Note: March 5, 2003

PROMISE  TO  PAY.  SOUTHEAST  COMMUNITY INVESTORS, LLC  ("Borrower") promises to
pay  to  THE  BANKERS  BANK  ("Lender"), or order, in lawful money of the United
States  of America, the principal amount of Two Hundred  Seventy-five Thousand &
00/100  Dollars  ($275,000.00),  together  with interest on the unpaid principal
balance  from  March  5,  2003,  until  paid  in  full.

PAYMENT.  Borrower  will  pay  this loan in one principal payment of $275,000.00
plus  interest  on March 5, 2004. This payment due on March 5, 2004, will be for
all principal and all accrued interest not yet paid.  In addition, Borrower will
pay  regular  quarterly  payments  of all accrued unpaid interest due as of each
payment  date,  beginning June 5, 2003, with all subsequent interest payments to
be  due  on the same day of each quarter after that.  Unless otherwise agreed or
required  by  applicable  law,  payments  will  be  applied  first to any unpaid
collection  costs  and  any  late  charges, then to any unpaid interest, and any
remaining  amount  to  principal.  The  annual  interest  rate  for this Note is
computed  on  a  365/360  basis;  that  is,  by applying the ratio of the annual
interest  rate  over a year of 360 days, multiplied by the outstanding principal
balance,  multiplied  by  the  actual  number  of  days the principal balance is
outstanding.  Borrower  will  pay  Lender  at Lender's address shown above or at
such  other  place  as  Lender  may  designate  in  writing.

VARIABLE  INTEREST  RATE.  The  interest  rate on this Note is subject to change
from  time  to  time based on changes in an independent index which is the Prime
Rate as published in the Money Rates section of The Wall Street Journal, Eastern
Edition,  printed  edition,  (the  "Index").  The  Index  is not necessarily the
lowest  rate  charged  by Lender on its loans.  If the Index becomes unavailable
during  the  term  of  this  loan, Lender may designate a substitute index after
notice  to  Borrower.  Lender  will  tell  Borrower  the current Index rate upon
Borrower's  request.  The  interest  rate  change will not occur more often than
each  day.  Borrower understands that Lender may make loans based on other rates
as  well.  The  Index  currently  is  4.250% per annum.  The interest rate to be
applied  to the unpaid principal balance of this Note will be at a rate of 0.250
percentage points under the Index, resulting in an initial annual rate of simple
interest  of  4.000%.  NOTICE:  Under no circumstances will the interest rate on
this  Note  be  more  than  the  maximum  rate  allowed  by  applicable  law.

PREPAYMENT.  Borrower  may  pay  without  penalty all or a portion of the amount
owed  earlier  than  it  is  due.  Early  payments will not, unless agreed to by
Lender in writing, relieve Borrower of Borrower's obligation to continue to make
payments  under  the  payment  schedule.  Rather, early payments will reduce the
principal balance due.  Borrower agrees not to send Lender payments marked "paid
in  full,"  "without  recourse,"  or similar language.  If Borrower sends such a
payment,  Lender  may accept it without losing any of Lender's rights under this
Note,  and  Borrower  will  remain  obligated  to pay any further amount owed to
Lender.  All  written  communications concerning disputed amounts, including any
check  or  other  payment instrument that indicates that the payment constitutes
"payment  in  full" of the amount owed or that is tendered with other conditions
or  limitations  or  as full satisfaction of a disputed amount must be mailed or
delivered  to:  THE  BANKERS  BANK,  2410  Paces  Ferry  Road, 600 Paces Summit,
Atlanta,  GA  30339-4098.

LATE  CHARGE.  If  a  payment  is 15 days or more late, Borrower will be charged
$100.00,  regardless  of  any  partial  payments  Lender  has  received.

INTEREST  AFTER  DEFAULT.    Upon  default,  including failure to pay upon final
maturity, at Lender's option, and if permitted by applicable law, Lender may add
any  unpaid  accrued  interest  to  principal  and  such  sum will bear interest
therefrom  until paid at the rate provided in this Note (including any increased
rate).  Upon  default, Lender, at its option, may, if permitted under applicable
law,  increase  the variable interest rate on this Note 3.000 percentage points.
The  interest rate will not exceed the maximum rate permitted by applicable law.

DEFAULT.  Each  of the following shall constitute an event of default ("Event of
Default")  under  this  Note:

     PAYMENT  DEFAULT.  Borrower  fails  to make any payment when due under this
     Note.

     OTHER DEFAULTS. Borrower fails to comply with or to perform any other term,
     obligation,  covenant  or condition contained in this Note or in any of the
     related  documents  or  to  comply with or to perform any term, obligation,
     covenant  or  condition contained in any other agreement between Lender and
     Borrower.

     DEFAULT  IN  FAVOR OF THIRD PARTIES. Borrower or any Grantor defaults under
     any  loan,  extension  of  credit,  security  agreement,  purchase or sales
     agreement, or any other agreement, in favor of any other creditor or person
     that may materially affect any of Borrower's property or Borrower's ability
     to repay this Note or perform Borrower's obligations under this Note or any
     of  the  related  documents.

     FALSE  STATEMENTS.  Any  warranty,  representation  or  statement  made  or
     furnished  to Lender by Borrower or on Borrower's behalf under this Note or
     the  related  documents  is  false  or  misleading in any material respect,
     either  now or at the time made or furnished or becomes false or misleading
     at  any  time  thereafter.

     DEATH  OR  INSOLVENCY.  The  dissolution of Borrower (regardless of whether
     election  to  continue is made), any member withdraws from Borrower, or any
     other  termination of Borrower's existence as a going business or the death
     of  any  member,  the insolvency of Borrower, the appointment of a receiver
     for  any  part  of


<PAGE>
                                PROMISSORY NOTE                           Page 2
                                  (continued)

================================================================================


     Borrower's  property, any assignment for the benefit of creditors, any type
     of  creditor  workout,  or  the  commencement  of  any proceeding under any
     bankruptcy  or  insolvency  laws  by  or  against  Borrower.

     CREDITOR  OR  FORFEITURE  PROCEEDINGS.  Commencement  of  foreclosure  or
     forfeiture  proceedings,  whether  by  judicial  proceeding,  self-help,
     repossession  or  any  other  method, by any creditor of Borrower or by any
     governmental agency against any collateral securing the loan. This includes
     a  garnishment  of  any of Borrower's accounts, including deposit accounts,
     with  Lender.  However, this Event of Default shall not apply if there is a
     good  faith dispute by Borrower as to the validity or reasonableness of the
     claim  which  is  the basis of the creditor or forfeiture proceeding and if
     Borrower  gives  Lender  written  notice  of  the  creditor  or  forfeiture
     proceeding  and  deposits  with  Lender  monies  or  a  surety bond for the
     creditor  or  forfeiture  proceeding, in an amount determined by Lender, in
     its  sole discretion, as being an adequate reserve or bond for the dispute.

     EVENTS AFFECTING GUARANTOR. Any of the preceding events occurs with respect
     to  any  Guarantor  of  any  of  the  indebtedness or any Guarantor dies or
     becomes  incompetent,  or revokes or disputes the validity of, or liability
     under,  any  guaranty  of  the  indebtedness evidenced by this Note. In the
     event of a death, Lender, at its option, may, but shall not be required to,
     permit  the  Guarantor's  estate  to assume unconditionally the obligations
     arising  under  the  guaranty  in  a manner satisfactory to Lender, and, in
     doing  so,  cure  any  Event  of  Default.

     ADVERSE  CHANGE.  A  material adverse change occurs in Borrower's financial
     condition,  or  Lender  believes  the prospect of payment or performance of
     this  Note  is  impaired.

     CURE PROVISIONS. If any default, other than a default in payment is curable
     and  if  Borrower  has  not  been  given  a  notice of a breach of the same
     provision  of  this Note within the preceding twelve (12) months, it may be
     cured  (and  no  event  of  default  will have occurred) if Borrower, after
     receiving  written  notice  from Lender demanding cure of such default: (1)
     cures  the  default  within  fifteen (15) days; or (2) if the cure requires
     more than fifteen (15) days, immediately initiates steps which Lender deems
     in  Lender's  sole  discretion  to  be  sufficient  to cure the default and
     thereafter  continues  and  completes  all  reasonable  and necessary steps
     sufficient  to  produce  compliance  as  soon  as  reasonably  practical.

LENDER'S  RIGHTS.  Upon  default, Lender may declare the entire unpaid principal
balance  on  this Note and all accrued unpaid interest immediately due, and then
Borrower  will  pay  that  amount.

ATTORNEYS'  FEES; EXPENSES.  Lender may hire or pay someone else to help collect
this Note if Borrower does not pay.  Borrower will pay Lender that amount.  This
includes,  subject  to  any  limits  under  applicable  law,  Lender's  costs of
collection,  including  court  costs  and fifteen percent (15%) of the principal
plus  accrued interest as attorneys' fees, if any sums owing under this Note are
collected  by  or through an attorney at law, whether or not there is a lawsuit,
and  legal  expenses  for bankruptcy proceedings (including efforts to modify or
vacate  any  automatic  stay  or injunction), and appeals.  If not prohibited by
applicable law, Borrower also will pay any court costs, in addition to all other
sums  provided  by  law.

GOVERNING  LAW.  This  note  will  be  governed  by,  construed  and enforced in
accordance with federal law and the laws of the State of Georgia.  This Note has
been  accepted  by  Lender  in  the  State  of  Georgia.

CHOICE  OF  VENUE.  If there is a lawsuit, Borrower agrees upon Lender's request
to  submit  to  the jurisdiction of the courts of Cobb County, State of Georgia.

RIGHT  OF  SETOFF.  To the extent permitted by applicable law, Lender reserves a
right  of  setoff  in  all  Borrower's  accounts  with Lender (whether checking,
savings,  or  some  other  account).  This  includes all accounts Borrower holds
jointly  with  someone  else  and  all accounts Borrower may open in the future.
However,  this does not include any IRA or Keogh accounts, or any trust accounts
for which setoff would be prohibited by law.  Borrower authorizes Lender, to the
extent  permitted  by  applicable law, to charge or setoff all sums owing on the
indebtedness  against  any  and  all  such  accounts.

COLLATERAL.  Borrower acknowledges this Note is secured by 3.77 ACRES LOCATED ON
WEST  PARKER STREET IN BAXLEY, APPLING COUNTY, GEORGIA; SEE EXHIBIT "A" ATTACHED
HERETO  AND  INCORPORATED  HEREIN  BY  REFERENCE.

SUCCESSOR INTERESTS.  The terms of this Note shall be binding upon Borrower, and
upon  Borrower's  heirs,  personal  representatives, successors and assigns, and
shall  inure  to  the  benefit  of  Lender  and  its  successors  and  assigns.

GENERAL  PROVISIONS.  Lender  may  delay or forgo enforcing any of its rights or
remedies under this Note without losing them.  Borrower and any other person who
signs,  guarantees  or  endorses  this Note, to the extent allowed by law, waive
presentment, demand for payment, and notice of dishonor.  Upon any change in the
terms  of  this Note, and unless otherwise expressly stated in writing, no party
who  signs  this  Note,  whether  as  maker,  guarantor,  accommodation maker or
endorser, shall be released from liability.  All such parties waive any right to
require  Lender  to  take  action against any other party who signs this Note as
provided  in  O.C.G.A. Section 10-7-24 and agree that Lender may renew or extend
(repeatedly  and  for  any  length  of  time)  this loan or release any party or
guarantor  or  collateral;  or  impair, fail to realize upon or perfect Lender's
security  interest in the collateral; and take any other action deemed necessary
by  Lender  without  the  consent of or notice to anyone.  All such parties also
agree  that  Lender  may  modify  this  loan without the consent of or notice to
anyone other than the party with whom the modification is made.  The obligations
under  this  Note  are  joint  and  several.

THIS  NOTE  IS  GIVEN  UNDER SEAL AND IT IS INTENDED THAT THIS NOTE IS AND SHALL
CONSTITUTE AND HAVE THE EFFECT OF A SEALED INSTRUMENT ACCORDING TO LAW.

BORROWER:

SOUTHEAST COMMUNITY INVESTORS, LLC


By: /s/ Lloyd Gunter            (SEAL)
    ----------------------------
    Lloyd Gunter, President and CEO of SOUTHEAST COMMUNITY


<PAGE>
                                PROMISSORY NOTE                           Page 3
                                  (continued)

================================================================================


INVESTORS, LLC



LENDER:

THE BANKERS BANK


X___________________________
 Authorized Signer


<PAGE>