EXHIBIT 10.9

             MODULAR BUILDING CONTRACT DATED AS OF FEBRUARY 6, 2002,
           AMONG CHEROKEE BANK, N.A. AND BANK & BUSINESS SYSTEMS, INC.


<PAGE>
                            =============================
                                   BANK & BUSINESS                  EXHIBIT 10.9
                                    SYSTEMS, INC.
                            =============================

            P. O. BOX 5746 - 210 E. 2ND AVENUE - ROME, GA 30162-5746
                               PHONE: 706-232-2304

                                                   Date  February  6  ,  2002
                                                         -----------------------

The  following  constitutes  a contract between Bank & Business Systems, Inc., a
corporation  organized  under  the laws of the State of Georgia, herein known as
the  Seller,  and  the  Purchaser,  as  shown  below.

The  term "Purchaser" used herein shall mean the one to whom a quotation is made
by  Bank  &  Business  Systems,  Inc.

Ship  Via    B&BS           Your  Order  No.                Date
         -----------------                  --------------      ----------------
================================================================================
PURCHASER:  Cherokee  Bank           SHIP TO: Cherokee Bank - Southside Branch
            -----------------------           ----------------------------------
Street::  P  O  Box  4250            Street:
            -----------------------           ----------------------------------
City:  Canton   State:  GA 30114     City:  Canton  State:  GA
      --------        -------------         ------------------------------------
================================================================================
TERMS  --  Net                       DELIVERY  DATE  (Approx.)  45  days
================================================================================


BANK  &  BUSINESS  SYSTEMS  AGREES  TO  FURNISH  TO CHEROKEE BANK THE FOLLOWING:

     A.   One (1) 28 x 70 DCA approved modular
          bank building with two (2) 3.5 ton HVAC
          units - see specifications dated 1/30/02       COST:  $76,745.00
     B.   See  floor  plan  dated  11/26/01  and
          elevation  plan  dated  2/2/02
     C.   Interior Painting - color to be selected       COST  $  3,594.00
     D.   2  x  2  Suspended  Ceiling                    COST:  $  5,739.00
     E.   Exterior  siding to be Hardipanel - Stucco
          Style - color to be selected
     F.   Freight, installation, underpinning -
          included  in  the  above  pricing.

          ADDITIONAL  COSTS:
          1.  Front  Canopy  -  10'  W  x  24"  D
              Sunbrella  Material                        COST:  $2,100.00

          2.  Drive-thru  canopy
              Sunbrella  Material                        COST:  $5,189.00

                        OR

              Dryvit  type  to  match  building          COST:  $9,900.00

================================================================================
ALL PRICES FOB FACTORY OR WAREHOUSE UNLESS OTHERWISE NOTED  TOTAL  86,078.00
----------------------------------------------------------  --------------------
     The  undersigned  purchaser does hereby agree that     PAYABLE AS FOLLOWS:
the equipment mentioned in this order is purchased upon
the  express  condition  that  the  sale  thereof  is       50% upon acceptance
conditional  and  title  thereto  to  remain  in Bank &     40% when building
Business  Systems  until  the  full  purchase  price            ready to ship
specified  herein  is  paid.                                10% at completion
     Property shall not be removed from above premises,
nor  sold, rented or encumbered without written consent     --------------------
of  seller.
     Purchaser  shall  pay  all  filing  or  recording  fees and all expenses of
reasonable  attorney  fees  or  collection  costs  or  expenses  of  recovering
possession  in  the  event  of  any  delinquency  or  default.
     Purchaser  shall  bear all risk of loss, damage or destruction and shall at
all  times  keep property insured in favor of seller at expense of buyer to full
amount  of  balance  owed.
     Venue  of  suit, if instituted, shall be in county where seller's office is
located.
     In  the  event  of  default,  delinquency,  or  other  breach of any of the
provisions  hereof;  seller shall have option to declare contract terminated and
retake possession of said property whereupon all payments theretofore paid shall
remain  property  of  seller as liquidated damages and all interest of purchaser
therein  or  in  the property shall terminate and be forfeited; for said purpose
purchaser  authorizes  seller  to  remove the property from its then location or
building  without  notice and without legal process; or, at seller's option, the
full  remaining  balance  may  be  declared  to  be  immediately due.
     These quotations, unless otherwise expressly stated herein, or withdrawn or
changed  by  us prior to acceptance, are deemed to be withdrawn by us at the end
of  thirty (30) days from the date hereof unless an order based on this proposal
is  received  by us; but any purchase order submitted to us in response to these
quotations, and based thereon, when accepted by us in writing, will constitute a
contract  which  shall not be cancellable by the purchaser, as a whole or in any
part, without our written consent thereto, subject, however, to any valid law or
regulation  of  the  United  States affecting or rendering partially or entirely
impossible  our  performance  of  such  contract.
     This  contract,  including  the  conditions  and responsibilities set forth
hereinafter,  contain  all  express, or implied agreements between the Purchaser
and  Seller.  No oral or other agreements or understandings conflicting with the
provisions  of this contract shall be of any effect.  This contract shall not be
effective  or binding upon the Seller until signed by one of its duly authorized
representatives  at  its  home  office.  A copy of the contract, when so signed,
shall be returned to the Purchaser and this shall constitute acknowledgement and
acceptance  of  the  contract.

CONTRACT DATE:                      ACCEPTANCE DATE:
              --------------------                  ----------------------------
PURCHASER:   Cherokee Bank          SELLER:     Bank & Business Systems,  Inc.
          ------------------------         -------------------------------------
By:                                 By:
    ------------------------------     -----------------------------------------
             (SIGNATURE)                             (SIGNATURE)


----------------------------------     -----------------------------------------
               (TITLE)                                (TITLE)

         ORIGINAL - WHITE    FILE COPY - CANARY    CUSTOMER COPY - PINK


<PAGE>