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                                                                   EXHIBIT 10.10

                 FORM OF EXECUTIVE SUPPLEMENTAL RETIREMENT PLAN

                               EXECUTIVE AGREEMENT

      THIS AGREEMENT is made and entered into this __ day of ________, by and
between Chattahoochee National Bank, a bank organized and existing under the
laws of the State of Georgia (hereinafter referred to as the "Bank"), and
___________, an Executive of the Bank (hereinafter referred to as the
"Executive").

      WHEREAS, the Executive is now in the employ of the Bank and has for many
years faithfully served the Bank. It is the consensus of the Board of Directors
(hereinafter referred to as the "Board") that the Executive's services have been
of exceptional merit, in excess of the compensation paid and an invaluable
contribution to the profits and position of the Bank in its field of activity.
The Board further believes that the Executive's experience, knowledge of
corporate affairs, reputation and industry contacts are of such value, and the
Executive's continued services so essential to the Bank's future growth and
profits, that it would suffer severe financial loss should the Executive
terminate their service;

      ACCORDINGLY, the Board has adopted the Chattahoochee National Bank
Executive Supplemental Retirement Plan (hereinafter referred to as the
"Executive Plan") and it is the desire of the Bank and the Executive to enter
into this Agreement under which the Bank will agree to make certain payments to
the Executive upon the Executive's retirement and to the Executive's
beneficiary(ies) in the event of the Executive's death pursuant to the Executive
Plan;

      FURTHERMORE, it is the intent of the parties hereto that this Executive
Plan be considered an unfunded arrangement maintained primarily to provide
supplemental retirement benefits for the Executive, and be considered a
non-qualified benefit plan for purposes of the Employee Retirement Security Act
of 1974, as amended ("ERISA"). The Executive is fully advised of the Bank's
financial status and has had substantial input in the design and operation of
this benefit plan; and

      NOW THEREFORE, in consideration of services the Executive has performed in
the past and those to be performed in the future, and based upon the mutual
promises and covenants herein contained, the Bank and the Executive agree as
follows:

I.    DEFINITIONS

      A.    Effective Date

            The Effective Date of the Executive Plan shall be August 21, 2002.

      B.    Plan Year

            Any reference to the "Plan Year" shall mean a calendar year from
            January 1st to December 31st. In the year of implementation, the
            term "Plan Year" shall mean the period from the Effective Date to
            December 31st of the year of the Effective Date.
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      C.    Retirement Date

            Retirement Date shall mean retirement from service with the Bank
            which becomes effective on the first day of the calendar month
            following the month in which the Executive reaches age sixty-five
            (65) or such later date as the Executive may actually retire.

      D.    Termination of Service

            Termination of Service shall mean the Executive's voluntary
            resignation from service by the Executive or the Bank's discharge of
            the Executive without cause, prior to the Normal Retirement Age
            (Subparagraph I [J]).

      E.    Pre-Retirement Account

            A Pre-Retirement Account shall be established as a liability reserve
            account on the books of the Bank for the benefit of the Executive.
            Prior to the Executive's Termination of Service or Retirement Date,
            whichever shall first occur, such liability reserve account shall be
            increased each year by an amount equal to 14% of the annual earnings
            for the year determined by the Index (described in Subparagraph I
            (G) hereinafter), less the Cost of Funds Expense for that year
            (described in Subparagraph I (H) hereinafter).

      F.    Index Retirement Benefit

            The Index Retirement Benefit for each Executive in the Executive
            Plan for each Plan Year shall be equal to the excess (if any) of the
            Index (Subparagraph I [G]) for that Plan Year over the Cost of Funds
            Expense (Subparagraph I [H]) for that Plan Year, divided by a factor
            equal to 1.08 minus the marginal tax rate.

      G.    Index

            The Index for any year shall be the aggregate annual after-tax
            income from the life insurance contracts described in Exhibit "A",
            attached hereto and fully incorporated herein by reference, on the
            lives of the Participants (described in Subparagraph I [L]), as
            defined by FASB Technical Bulletin 85-4. This Index shall be applied
            as if such insurance contracts were purchased on the effective date
            hereof.

            If such contracts of life insurance are actually purchased by the
            Bank then the actual policies as of the effective dates listed for
            each policy on Exhibit "A" shall be used in calculations under this
            Agreement. If such contracts of life insurance are not purchased or
            are subsequently surrendered or lapsed, then the Bank shall receive
            annual policy illustrations that assume the policies described in
            Exhibit "A" were purchased from the named insurance company(ies) on
            the effective dates listed for each policy on Exhibit "A".


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            In either case, references to the life insurance contracts are
            merely for purposes of calculating a benefit. The Bank has no
            obligation to purchase such life insurance and, if purchased, the
            Executive and his beneficiary(ies) shall have no ownership interest
            in such policy and shall always have no greater interest in the
            benefits under this Agreement than that of an unsecured general
            creditor of the Bank.

      H.    Cost of Funds Expense

            The Cost of Funds Expense for any Plan Year shall be calculated by
            taking the sum of the amount of premiums for the life insurance
            policies described in the definition of "Index" plus the amount of
            any after-tax benefits paid to the Executive pursuant to the
            Executive Plan (Paragraph II hereinafter) plus the amount of all
            previous years' after-tax Cost of Funds Expense, and multiplying
            that sum by the Average After-Tax Cost of Funds (Subparagraph I
            [K]).

       I.   Change of Control

            Change of Control means the cumulative transfer of more than fifty
            percent (50%) of the voting stock of the Bank or Holding Company
            from the Effective Date of this Executive Plan. For the purposes of
            this Executive Plan, transfers made on account of deaths or gifts,
            transfers between family members or transfers made to a qualified
            retirement plan maintained by the Bank shall not be considered in
            determining whether there has been a Change of Control.

      J.    Normal Retirement Age

            Normal Retirement Age shall mean the date on which the Executive
            attains age sixty-five (65).

      K.    Average After-Tax Cost of Funds

            Average After-Tax Cost of Funds means, at any particular time, a
            ratio, the numerator of which is the total annualized interest
            expense as set forth on Schedule RI-income Statement of the Bank's
            most recently filed Consolidated Report of Condition and Income (the
            "Call Report") and the denominator of which is an amount equal to:
            (i) the amount of deposits in domestic offices (sum of total of
            columns A and C from Schedule RC-E of the Call Report), plus (ii)
            the amount of Federal funds purchased and securities sold under
            agreements to repurchase, as set forth on Schedule RC-Balance Sheet
            of the Call Report, times the inverse of the Bank's combined
            marginal income tax rate.

      L.    Number of Participants

            The Number of Participants for any Plan Year shall be the number of
            Participants (including those in retirement status) participating in
            the Plan as of December 31st of the previous year. Participants are
            those listed on the attached Exhibit B.


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      M.    Modification of Exhibits A and B

            For all purposes of this Agreement, in the event of a new plan
            participant, death of a participant, termination of service of a
            participant who is not fully vested in the plan, retirement of a
            participant, or some other event, said Exhibits A and B may be
            modified as follows:

            (i)   Exhibit A   By substituting the "Premiums Paid" for each
                              participant with the cash surrender value of each
                              participant's policy on the date(s) of the
                              aforestated event(s).

            (ii)  Exhibit B   By adding or deleting a new or existing plan
                              participant.

II.   INDEX BENEFITS

      A.    Retirement Benefits

            Subject to Subparagraph II(D) hereinafter, an Executive who remains
            in the employ of the Bank until the Normal Retirement Age
            (Subparagraph I [J]) shall be entitled to receive the balance in the
            Pre-Retirement Account in fifteen (15) equal annual installments
            commencing thirty (30) days following the Executive's retirement. In
            addition to these payments and commencing in conjunction therewith,
            the Index Retirement Benefit (as defined in Subparagraph I [F]) for
            each Plan Year subsequent to the Executive's retirement, and
            including the remaining portion of the Plan Year following said
            retirement, shall be paid to the Executive until the Executive's
            death.

      B.    Termination of Service

            Subject to Subparagraph II(D), should an Executive suffer a
            Termination of Service, the Executive shall be entitled to receive
            the percentage set forth below that corresponds to the number of
            full years the Executive has been employed by the Bank from the date
            of first service with the Bank (to a maximum of 100%), times the
            balance in the Pre-Retirement Account payable to the Executive in
            fifteen (15) equal annual installments commencing thirty (30) days
            following the Executive's Normal Retirement Age (Subparagraph I
            [J]). In addition to these payments and commencing in conjunction
            therewith, the percentage set forth hereinafter that corresponds to
            the number of full years of employment with the Bank from the date
            of first employment with the Bank (to a maximum of 100%), times the
            index Retirement Benefit for each Plan Year subsequent to the year
            in which the Executive attains Normal Retirement Age, and including
            the remaining portion of the Plan Year in which the Executive
            attains Normal Retirement Age, shall be paid to the Executive until
            the Executive's death.


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<TABLE>
<CAPTION>
                                    Number of
                                    Full Years of     Vested Percentage
            Date of Employment      Employment        (to a maximum of 100%)
            ------------------      ----------        ----------------------
<S>                                 <C>               <C>
            December 30, 1998       1-13              3.85% per year
                                    PLUS
                                    14-18             10% per year
</TABLE>

            Notwithstanding anything hereinabove to the contrary, the Executive
            shall be one hundred percent (100%) vested upon attaining age
            fifty-five (55) while employed by the Bank.

      C.    Death

            Should the Executive die while there is a balance in the Executive's
            Pre Retirement Account (Subparagraph I [E]) said unpaid balance
            shall be paid in a lump sum to the individual or individuals the
            Executive may have designated in writing and filed with the Bank. In
            the absence of any effective beneficiary designation, the unpaid
            balance shall be paid as set forth herein to the duly qualified
            executor or administrator of the Executive's estate. Said payment
            due hereunder shall be made the first day of the second month
            following the decease of the Executive.

      D.    Discharge for Cause

            Should the Executive be Discharged for Cause at any time, all
            benefits under this Executive Plan shall be forfeited. The term "for
            cause" shall mean any of the following that result in an adverse
            effect on the Bank: (i) gross negligence or gross neglect; (ii) the
            commission of a felony or gross misdemeanor involving moral
            turpitude, fraud, or dishonesty; (iii) the willful violation of any
            law, rule, or regulation (other than a traffic violation or similar
            offense); (iv) an intentional failure to perform stated duties; or
            (v) a breach of fiduciary duty involving personal profit. If a
            dispute arises as to discharge "for cause," such dispute shall be
            resolved by arbitration as set forth in this Executive Plan.

      E.    Death Benefit

            Except as set forth above, there is no death benefit provided under
            this Agreement.

      F.    Disability Benefit

            In the event the Executive becomes disabled prior to Termination of
            Service, and the Executive's employment is terminated because of
            such disability, he shall immediately begin receiving the benefits
            in Subparagraph II(A) above. Such benefit shall begin without regard
            to Executive's Normal Retirement Age and the Executive shall be one
            hundred percent (100%) vested in the entire benefit

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            amount. If there is a dispute regarding whether the Executive is
            disabled, such dispute shall be resolved by a physician selected by
            the Bank and such resolution shall be binding upon all parties to
            this Agreement.

III.  DEFERRAL BENEFITS

      A.    Deferral Election

            Any Executive wishing to defer any portion or all of the Executive's
            compensation may elect to defer up to twenty-five percent (25%) of
            compensation each year for a maximum of five (5) years. At the end
            of the five-year period, the Board shall have the option of
            extending the deferral period for any amount of time it shall deem
            to be appropriate. The Executive will make the election to defer by
            filing with the Bank a written statement setting forth the amount of
            the deferrals and the Executive's election of payment as set forth
            in Subparagraph III (C) hereinafter. This statement must be filed
            prior to having earned the deferred income.

      B.    Deferred Compensation Account

            The Bank shall establish a Deferred Compensation Account in the name
            of the Executive and credit that account with the deferrals. The
            Bank shall also credit interest to the Deferred Compensation Account
            balance on December 31st of each year. The interest rate credited
            shall be one hundred and fifty percent (150%) of the yield of a one-
            year Treasury Bill as of the crediting date.

      C.    Retirement, Termination of Service or Death

            Upon the Director's Retirement Date or Termination of Service
            [Subparagraphs I[C] and [D] hereinabove), the balance of the
            Executive's Deferred Compensation Account shall be payable as
            elected by the Executive one (1) year prior to receiving said
            benefit payable to the Executive thirty (30) days following said
            event. If the Executive fails to make said payment election, then
            the Executive shall be paid in ten (10) equal annual installments as
            set forth herein. Should the Executive die while there is a balance
            in the Executive's Deferred Compensation Account, such balance shall
            be paid pursuant to Subparagraph II(C) hereinabove.

IV.   RESTRICTIONS UPON FUNDING

            The Bank shall have no obligation to set aside, earmark or entrust
            any fund or money with which to pay its obligations under this
            Executive Plan. The Executives, their beneficiary(ies), or any
            successor in interest shall be and remain simply a general creditor
            of the Bank in the same manner as any other creditor having a
            general claim for matured and unpaid compensation.

            The Bank reserves the absolute right, at its sole discretion, to
            either fund the obligations undertaken by this Executive Plan or to
            refrain from funding the same and to determine the extent, nature
            and method of such funding. Should the Bank

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            elect to fund this Executive Plan, in whole or in part, through the
            purchase of life insurance, mutual funds, disability policies or
            annuities, the Bank reserves the absolute right, in its sole
            discretion, to terminate such funding at any time, in whole or in
            part. At no time shall any Executive be deemed to have any lien nor
            right, title or interest in or to any specific funding investment or
            to any assets of the Bank.

            If the Bank elects to invest in a life insurance, disability or
            annuity policy upon the life of the Executive, then the Executive
            shall assist the Bank by freely submitting to a physical exam and
            supplying such additional information necessary to obtain such
            insurance or annuities.

V.    CHANGE OF CONTROL

            Upon a Change of Control (Subparagraph I [I]) if the Executive
            subsequently suffers a Termination of Service (Subparagraph I [D])
            then the Executive shall receive the benefits promised in this
            Executive Plan upon attaining Normal Retirement Age, as if the
            Executive had been continuously employed by the Bank until the
            Executive's Normal Retirement Age. The Executive will also remain
            eligible for all promised death benefits in this Executive Plan. In
            addition, no sale, merger, or consolidation of the Bank shall take
            place unless the new or surviving entity expressly acknowledges the
            obligations under this Executive Plan and agrees to abide by its
            terms.

VI.   MISCELLANEOUS

      A.    Alienability and Assignment Prohibition

            Neither the Executive, nor the Executive's surviving spouse, nor any
            other beneficiary(ies) under this Executive Plan shall have any
            power or right to transfer, assign, anticipate, hypothecate,
            mortgage, commute, modify or otherwise encumber in advance any of
            the benefits payable hereunder nor shall any of said benefits be
            subject to seizure for the payment of any debts, judgments, alimony
            or separate maintenance owed by the Executive or the Executive's
            beneficiary(ies), nor be transferable by operation of law in the
            event of bankruptcy, insolvency or otherwise. In the event the
            Executive or any beneficiary attempts assignment, commutation,
            hypothecation, transfer or disposal of the benefits hereunder, the
            Bank's liabilities shall forthwith cease and terminate.

      B.    Binding Obligation of the Bank and any Successor in Interest

            The Bank shall not merge or consolidate into or with another bank or
            sell substantially all of its assets to another bank, firm or person
            until such bank, firm or person expressly agree, in writing, to
            assume and discharge the duties and obligations of the Bank under
            this Executive Plan. This Executive Plan shall be binding upon the
            parties hereto, their successors, beneficiaries, heirs and personal
            representatives.


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      C.    Amendment or Revocation

            It is agreed by and between the parties hereto that, during the
            lifetime of the Executive, this Executive Plan may be amended or
            revoked at any time or times, in whole or in part, by the mutual
            written consent of the Executive and the Bank.

      D.    Gender

            Whenever in this Executive Plan words are used in the masculine or
            neuter gender, they shall be read and construed as in the masculine,
            feminine or neuter gender, whenever they should so apply.

      E.    Effect on Other Bank Benefit Plans

            Nothing contained in this Executive Plan shall affect the right of
            the Executive to participate in or be covered by any qualified or
            non-qualified pension, profit-sharing, group, bonus or other
            supplemental compensation or fringe benefit plan constituting a part
            of the Bank's existing or future compensation structure.

      F.    Headings

      Headings and subheadings in this Executive Plan are inserted for reference
      and convenience only and shall not be deemed a part of this Executive
      Plan.

      G.    Applicable Law

            The validity and interpretation of this Agreement shall be governed
            by the laws of the State of Georgia.

      H.    12 U.S.C. 1828(k)

            Any payments made to the Executive pursuant to this Executive Plan,
            or otherwise, are subject to and conditioned upon their compliance
            with 12 U.S.C. Section 1828(k) or any regulations promulgated
            thereunder.

      I.    Partial Invalidity

            If any term, provision, covenant, or condition of this Executive
            Plan is determined by an arbitrator or a court, as the case may be,
            to be invalid, void, or unenforceable, such determination shall not
            render any other term, provision, covenant, or condition invalid,
            void, or unenforceable, and the Executive Plan shall remain in full
            force and effect notwithstanding such partial invalidity.

       J.   Employment

            No provision of this Executive Plan shall be deemed to restrict or
            limit any existing employment agreement by and between the Bank and
            the Executive, nor

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            shall any conditions herein create specific employment rights to the
            Executive nor limit the right of the Employer to discharge the
            Executive with or without cause. In a similar fashion, no provision
            shall limit the Executive's rights to voluntarily sever the
            Executive's employment at any time.

VII.  ERISA PROVISION

      A.    Named Fiduciary and Plan Administrator

            The "Named Fiduciary and Plan Administrator" of this Executive Plan
            shall be Chattahoochee National Bank until its resignation or
            removal by the Board. As Named Fiduciary and Plan Administrator, the
            Bank shall be responsible for the management, control and
            administration of the Executive Plan. The Named Fiduciary may
            delegate to others certain aspects of the management and operation
            responsibilities of the Executive Plan including the employment of
            advisors and the delegation of ministerial duties to qualified
            individuals.

      B.    Claims Procedure and Arbitration

            In the event a dispute arises over benefits under this Executive
            Plan and benefits are not paid to the Executive (or to the
            Executive's beneficiary(ies) in the case of the Executive's death)
            and such claimants feel they are entitled to receive such benefits,
            then a written claim must be made to the Named Fiduciary and Plan
            Administrator named above within sixty (60) days from the date
            payments are refused. The Named Fiduciary and Plan Administrator
            shall review the written claim and if the claim is denied, in whole
            or in part, it shall provide in writing within sixty (60) days of
            receipt of such claim the specific reasons for such denial,
            reference to the provisions of this Executive Plan upon which the
            denial is based and any additional material or information necessary
            to perfect the claim. Such written notice shall further indicate the
            additional steps to be taken by claimants if a further review of the
            claim denial is desired. A claim shall be deemed denied if the Named
            Fiduciary and Plan Administrator fail to take any action within the
            aforesaid sixty-day period.

            If claimants desire a second review they shall notify the Named
            Fiduciary and Plan Administrator in writing within sixty (60) days
            of the first claim denial. Claimants may review this Executive Plan
            or any documents relating thereto and submit any written issues and
            comments it may feel appropriate. In their sole discretion, the
            Named Fiduciary and Plan Administrator shall then review the second
            claim and provide a written decision within sixty (60) days of
            receipt of such claim. This decision shall likewise state the
            specific reasons for the decision and shall include reference to
            specific provisions of the Plan Agreement upon which the decision is
            based.

            If claimants continue to dispute the benefit denial based upon
            completed performance of this Executive Plan or the meaning and
            effect of the terms and conditions thereof, then claimants may
            submit the dispute to an arbitrator for final

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            arbitration. The arbitrator shall be selected by mutual agreement of
            the Bank and the claimants. The arbitrator shall operate under any
            generally recognized set of arbitration rules. The parties hereto
            agree that they and their heirs, personal representatives,
            successors and assigns shall be bound by the decision of such
            arbitrator with respect to any controversy properly submitted to it
            for determination.

            Where a dispute arises as to the Bank's discharge of the Executive
            for "for cause," such dispute shall likewise be submitted to
            arbitration as above described and the parties hereto agree to be
            bound by the decision thereunder.

VIII. TERMINATION OR MODIFICATION OF AGREEMENT BY REASON OF CHANGES IN THE
      LAW, RULES OR REGULATIONS

      The Bank is entering into this Agreement upon the assumption that certain
      existing tax laws, rules and regulations will continue in effect in their
      current form. If any said assumptions should change and said change has a
      detrimental effect on this Executive Plan, then the Bank reserves the
      right to terminate or modify this Agreement accordingly. Provided,
      however, that the Executive shall be entitled to receive at least his/her
      Executive's Deferred Compensation Account including interest earned. Upon
      a Change of Control (Subparagraph I [I]) this paragraph shall become null
      and void effective immediately upon said Change of Control.




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IN WITNESS WHEREOF, the parties hereto acknowledge that each has carefully read
this Agreement and executed the original thereof on the first day set forth
hereinbelow, and that, upon execution, each has received a conforming copy.

                                        CHATTAHOOCHEE NATIONAL BANK
                                        Alpharetta, Georgia

                                          By:
-----------------------------------          -----------------------------------
Witness                                                                Title

-----------------------------------       --------------------------------------
Witness


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