Document:

PGFM DRAFT
                                                                   JULY 31, 2002

                           NEIGHBOR'S BANCSHARES, INC.
                            2002 STOCK INCENTIVE PLAN

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                                TABLE OF CONTENTS

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SECTION  1  DEFINITIONS . . . . . . . . . . . . . . . . . . . . . . . .     1

   1.1     Definitions. . . . . . . . . . . . . . . . . . . . . . . . .     1

SECTION  2  THE  STOCK  INCENTIVE  PLAN . . . . . . . . . . . . . . . .     4

   2.1     Purpose  of  the  Plan . . . . . . . . . . . . . . . . . . .     4
   2.2     Stock  Subject  to  the  Plan. . . . . . . . . . . . . . . .     4
   2.3     Administration  of  the  Plan. . . . . . . . . . . . . . . .     5
   2.4     Eligibility  and  Limits . . . . . . . . . . . . . . . . . .     5

SECTION  3  TERMS  OF  STOCK  INCENTIVES. . . . . . . . . . . . . . . .     6

   3.1     General  Terms  and  Conditions. . . . . . . . . . . . . . .     6
   3.2     Terms  and  Conditions  of  Options. . . . . . . . . . . . .     7
      (a)     Option  Price . . . . . . . . . . . . . . . . . . . . . .     7
      (b)     Option  Term. . . . . . . . . . . . . . . . . . . . . . .     7
      (c)     Payment.. . . . . . . . . . . . . . . . . . . . . . . . .     7
      (d)     Conditions  to  the  Exercise  of  an  Option.. . . . . .     8
      (e)     Termination  of  Incentive  Stock  Option.. . . . . . . .     8
      (f)     Special  Provisions  for  Certain  Substitute  Options. .     8
   3.3     Treatment  of  Awards  Upon  Termination  of  Service. . . .     8

SECTION  4  RESTRICTIONS  ON  STOCK . . . . . . . . . . . . . . . . . .     9

   4.1     Escrow  of  Shares . . . . . . . . . . . . . . . . . . . . .     9
   4.2     Restrictions  on  Transfer.. . . . . . . . . . . . . . . . .     9

SECTION  5  GENERAL  PROVISIONS . . . . . . . . . . . . . . . . . . . .     9

   5.1     Withholding. . . . . . . . . . . . . . . . . . . . . . . . .     9
   5.2     Changes  in  Capitalization;  Merger;  Liquidation.. . . . .    10
   5.3     Cash  Awards . . . . . . . . . . . . . . . . . . . . . . . .    11
   5.4     Compliance  with  Code.. . . . . . . . . . . . . . . . . . .    11
   5.5     Right  to  Terminate  Service. . . . . . . . . . . . . . . .    11
   5.6     Restrictions  on  Delivery  and  Sale  of  Shares;  Legends.    11
   5.7     Non-Alienation  of  Benefits.. . . . . . . . . . . . . . . .    12
   5.8     Termination  and  Amendment  of  the  Plan.. . . . . . . . .    12
   5.9     Stockholder  Approval. . . . . . . . . . . . . . . . . . . .    12
   5.10    Choice  of  Law. . . . . . . . . . . . . . . . . . . . . . .    12
   5.11    Effective  Date  of  the  Plan . . . . . . . . . . . . . . .    12

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                           NEIGHBOR'S BANCSHARES, INC.
                            2002 STOCK INCENTIVE PLAN

                             SECTION 1  DEFINITIONS

     1.1     Definitions.  Whenever  used herein, the masculine pronoun shall be
             -----------
deemed  to  include the feminine, and the singular to include the plural, unless
the context clearly indicates otherwise, and the following capitalized words and
phrases  are  used  herein  with  the  meaning  thereafter  ascribed:

          (a)     "Affiliate"  means
                   ---------

               (1)     any  Subsidiary  or  Parent;

               (2)     an  entity  that  directly  or  through  one  or  more
intermediaries  controls,  is controlled by, or is under common control with the
Company,  as  determined  by  the  Company;  or

               (3)     any  entity  in  which the Company has such a significant
interest  that  the  Company  determines  it should be deemed an "Affiliate," as
determined  in  the  sole  discretion  of  the  Company.

          (b)     "Bank"  means  Neighbors  Bank.
                   ----

          (c)     "Board  of  Directors"  means  the  board  of directors of the
                   --------------------
Company.

          (d)     "Cause"  has  the  same  meaning as provided in the employment
                   -----
agreement between the Participant and the Company or Affiliate(s) on the date of
Termination of Service, or if no such definition or employment agreement exists,
"Cause"  means conduct amounting to  (1) fraud or dishonesty against the Company
or  Affiliate(s);  (2)  Participant's  willful  misconduct,  repeated refusal to
follow  the reasonable directions of the Board of Directors or knowing violation
of  law in the course of performance of the duties of Participant's service with
the  Company  or  Affiliate(s);  (3)  repeated  absences  from  work  without  a
reasonable  excuse; (4) repeated intoxication with alcohol or drugs while on the
Company's  or  Affiliate(s)'  premises  during  regular  business  hours;  (5) a
conviction or plea of guilty or nolo contendere to a felony or a crime involving
dishonesty;  or (6) a breach or violation of the terms of any agreement to which
Participant  and  the  Company  or  Affiliate(s)  are  party.

          (e)     "Change  in  Control"  means  any  one of the following events
                   -------------------
which may occur after the date the Stock Incentive is granted:

               (1)     the  acquisition  by  any  individual, entity or "group,"
within  the  meaning  of  Section 13(d)(3) or Section 14(d)(2) of the Securities
Exchange  Act  of 1934, as amended, (a "Person") of beneficial ownership (within
the  meaning  of  Rule  13-d-3  promulgated under the Securities Exchange Act of
1934)  of  voting  securities  of the Company or the Bank where such acquisition
causes  any  such  Person  to  own  fifty  percent (50%) or more of the combined

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voting  power  of  the  then  outstanding  voting  securities  entitled  to vote
generally  in  the  election  of  directors;

               (2)     within  any  twelve-month  period,  the  persons who were
directors  of  the  Company or the Bank immediately before the beginning of such
twelve-month  period  (the  "Incumbent  Directors") shall cease to constitute at
least  a majority of the Board of Directors of the Company or the Bank; provided
that  any  director  who  was  not  a  director  as  of  the  beginning  of such
twelve-month period shall be deemed to be an Incumbent Director if that director
were  elected to the Board of Directors of the Company or the Bank by, or on the
recommendation  of or with the approval of, at least two-thirds of the directors
who then qualified as Incumbent Directors; and provided further that no director
whose initial assumption of office is in connection with an actual or threatened
election  contest relating to the election of directors shall be deemed to be an
Incumbent  Director;

               (3)     a  reorganization,  merger or consolidation, with respect
to  which  persons  who  were  the  stockholders  of  the  Company  or  the Bank
immediately  prior  to  such  reorganization,  merger  or  consolidation do not,
immediately thereafter, own more than fifty percent (50%) of the combined voting
power  entitled  to vote in the election of directors of the reorganized, merged
or  consolidated  company's  then  outstanding  voting  securities;  or

               (4)     the  sale, transfer or assignment of all or substantially
all of the assets of the Company or the Bank to any third party.

          (f)     "Code"  means  the  Internal Revenue Code of 1986, as amended.
                   ----

          (g)     "Committee"  means  the  committee  appointed  by the Board of
                   ---------
Directors to administer the Plan pursuant to Plan Section 2.3.  If the Committee
has  not been appointed, the Board of Directors in its entirety shall constitute
the  Committee.

          (h)     "Disability" has the same meaning as provided in the long-term
                   ----------
disability  plan  or  policy  maintained  or,  if  applicable,  most  recently
maintained, by the Company or an Affiliate for the Participant.  If no long-term
disability  plan  or policy was ever maintained on behalf of the Participant or,
if  the  determination  of  Disability  relates  to  an  Incentive Stock Option,
Disability  shall  mean  that  condition  described in Code Section 22(e)(3), as
amended  from  time  to  time.  In  the event of a dispute, the determination of
Disability  shall  be  made  by the Board of Directors and shall be supported by
advice  of  a  physician competent in the area to which such Disability relates.

          (i)     "Disposition"  means  any  conveyance,  sale,  transfer,
                   -----------
assignment,  pledge  or  hypothecation,  whether  outright or as security, inter
vivos  or testamentary, with or without consideration, voluntary or involuntary.

          (j)     "Fair  Market  Value"  with  regard  to  a  date  means:
                   -------------------

               (1)     the  price  at  which  Stock shall have been sold on that
date  or  the  last  trading date prior to that date as reported by the national
securities  exchange  selected by the

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Committee  on  which  the  shares  of  Stock  are  then  actively  traded or, if
applicable,  as  reported  by  the  NASDAQ  Stock  Market;

               (2)     if  such market information is not published on a regular
basis,  the  price  of  Stock in the over-the-counter market on that date or the
last  business day prior to that date as reported by the NASDAQ Stock Market or,
if  not  so  reported,  by  a  generally  accepted  reporting  service;  or

               (3)     if  Stock  is  not publicly traded, as determined in good
faith by the Committee with due consideration being given to (i) the most recent
independent  appraisal of the Company, if such appraisal is not more than twelve
months  old  and  (ii)  the  valuation  methodology  used in any such appraisal.

     For  purposes  of  Paragraphs (1), (2), or (3) above, the Committee may use
the  closing  price  as  of the applicable date, the average of the high and low
prices  as  of  the applicable date or for a period certain ending on such date,
the  price determined at the time the transaction is processed, the tender offer
price for shares of Stock, or any other method which the Committee determines is
reasonably  indicative  of  the  fair  market  value.

          (k)     "Incentive  Stock  Option" means an incentive stock option, as
                   ------------------------
defined  in  Code  Section  422,  described  in  Plan  Section  3.2.

          (l)     "Nonqualified  Stock  Option" means a stock option, other than
                   ---------------------------
an  option  qualifying  as  an Incentive Stock Option, described in Plan Section
3.2.

          (m)     "Option"  means  a  Nonqualified  Stock Option or an Incentive
                   ------
Stock  Option.

          (n)     "Over  10%  Owner"  means  an  individual  who  at the time an
                   ----------------
Incentive  Stock  Option  is granted owns Stock possessing more than ten percent
(10%) of the total combined voting power of the Company or one of its Parents or
Subsidiaries,  determined  by  applying  the  attribution  rules of Code Section
424(d).

          (o)     "Parent"  means any corporation (other than the Company) in an
                   ------
unbroken  chain  of  corporations  ending  with  the Company if, with respect to
Incentive  Stock Options, at the time of granting of the Incentive Stock Option,
each  of  the  corporations  other  than the Company owns stock possessing fifty
percent (50%) or more of the total combined voting power of all classes of stock
in  one  of  the  other  corporations  in  the  chain.

          (p)     "Participant"  means  an  individual  who  receives  a  Stock
                   -----------
Incentive  hereunder.

          (q)     "Plan"  means  the  Neighbor's  Bancshares,  Inc.  2002  Stock
                   ----
Incentive  Plan.

          (r)     "Stock"  means  the  Company's  $.50  par  value common stock.
                   -----

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          (s)     "Stock  Incentive  Agreement"  means  an agreement between the
                   ---------------------------
Company  and a Participant or other documentation evidencing an award of a Stock
Incentive.

          (t)     "Stock  Incentives"  means,  collectively,  Incentive  Stock
                   -----------------
Options  and  Nonqualified  Stock  Options.

          (u)     "Subsidiary" means any corporation (other than the Company) in
                   ----------
an unbroken chain of corporations beginning with the Company if, with respect to
Incentive  Stock  Options,  at  the  time of the granting of the Incentive Stock
Option, each of the corporations other than the last corporation in the unbroken
chain  owns  stock  possessing fifty percent (50%) or more of the total combined
voting  power  of  all  classes of stock in one of the other corporations in the
chain.  A  "Subsidiary" shall include any entity other than a corporation to the
extent  permissible  under  Section 424(f) or regulations or rulings thereunder.

          (v)     "Termination  of Service" means the termination of the service
                   -----------------------
relationship,  whether  employment  or  otherwise, between a Participant and the
Company  and  any  Affiliates,  regardless of the fact that severance or similar
payments  are  made to the Participant for any reason, including, but not by way
of  limitation,  a  termination  by resignation, discharge, death, Disability or
retirement.  The  Committee  shall,  in  its  absolute discretion, determine the
effect  of  all  matters  and  questions  relating  to a Termination of Service,
including,  but  not  by  way  of limitation, the question of whether a leave of
absence  constitutes  a  Termination  of  Service,  or  whether a Termination of
Service  is  for  Cause.

                       SECTION 2  THE STOCK INCENTIVE PLAN

     2.1     Purpose  of  the  Plan.  The  Plan  is  intended  to  (a)  provide
             ----------------------
incentives  to  employees,  directors  and  organizers  of  the  Company and its
Affiliates  to  stimulate  their  efforts  toward  the  continued success of the
Company and to operate and manage the business in a manner that will provide for
the  long-term  growth  and  profitability  of  the Company; (b) encourage stock
ownership  by employees, directors and organizers by providing them with a means
to  acquire  a proprietary interest in the Company by acquiring shares of Stock;
and  (c)  provide  a  means  of  obtaining  and  rewarding  key  personnel.

     2.2     Stock  Subject  to  the  Plan.  Subject to adjustment in accordance
             -----------------------------
with  Section  5.2,  ___________  [10%  OF  THE STOCK SOLD IN THE INITIAL PUBLIC
OFFERING]  shares  of  Stock  (the  "Maximum  Plan  Shares") are hereby reserved
exclusively  for issuance upon exercise or payment pursuant to Stock Incentives.
At  such time as the Company is subject to Section 16 of the Exchange Act, at no
time  shall  the Company have outstanding Stock Incentives subject to Section 16
of the Exchange Act and shares of Stock issued in respect of Stock Incentives in
excess  of  the  Maximum  Plan  Shares.  The shares of Stock attributable to the
nonvested,  unpaid,  unexercised,  unconverted or otherwise unsettled portion of
any  Stock Incentive that is forfeited or cancelled or expires or terminates for
any  reason  without  becoming  vested,  paid, exercised, converted or otherwise
settled  in  full  will  again  be  available  for  purposes  of  the  Plan.

     2.3     Administration  of the Plan.  The Plan shall be administered by the
             ---------------------------
Committee.   The Committee shall consist of at least two members of the Board of
Directors.  During  those

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periods  that  the  Company  is  subject  to the provisions of Section 16 of the
Securities  Exchange  Act of 1934, the Board of Directors shall consider whether
each  Committee  member  should  qualify  as an "outside director" as defined in
Treasury  Regulations Section 1.162-27(e) as promulgated by the Internal Revenue
Service  and  a  "non-employee  director"  as  defined  in  Rule 16b(3)(b)(3) as
promulgated  under  the Exchange Act. The Committee shall have full authority in
its  discretion  to  determine  the  employees,  directors and organizers of the
Company  or  its  Affiliates  to  whom Stock Incentives shall be granted and the
terms  and  provisions  of  Stock Incentives subject to the Plan. Subject to the
provisions  of  the Plan, the Committee shall have full and conclusive authority
to  interpret  the  Plan;  to prescribe, amend and rescind rules and regulations
relating  to  the  Plan; to determine the terms and provisions of the respective
Stock  Incentive  Agreements  and  to make all other determinations necessary or
advisable  for  the  proper  administration  of  the  Plan.  The  Committee's
determinations  under  the  Plan  need  not  be  uniform  and  may be made by it
selectively  among persons who receive, or are eligible to receive, awards under
the  Plan  (whether or not such persons are similarly situated). The Committee's
decisions  shall  be  final  and binding on all Participants. Each member of the
Committee  shall serve at the discretion of the Board of Directors and the Board
of  Directors  may  from  time to time remove members from or add members to the
Committee. Vacancies on the Committee shall be filled by the Board of Directors.

     The  Committee  shall  select one of its members as chairman and shall hold
meetings at the times and in the places as it may deem advisable.  Acts approved
by  a  majority  of  the Committee in a meeting at which a quorum is present, or
acts  reduced  to  or  approved  in  writing by a majority of the members of the
Committee,  shall  be  the  valid  acts  of  the  Committee.

     2.4     Eligibility  and  Limits.  Stock  Incentives may be granted only to
             ------------------------
employees,  directors  and organizers of the Company or any Affiliate; provided,
however,  that  an  Incentive Stock Option may only be granted to an employee of
the  Company  or  any  Subsidiary.  In  the case of Incentive Stock Options, the
aggregate Fair Market Value (determined as of the date an Incentive Stock Option
is  granted)  of  stock with respect to which stock options intended to meet the
requirements  of  Code  Section  422 become exercisable for the first time by an
individual  during  any  calendar  year  under  all plans of the Company and its
Parents  and  Subsidiaries  shall not exceed $100,000; provided further, that if
the  limitation  is  exceeded,  the  Incentive  Stock  Option(s) which cause the
limitation  to  be  exceeded  shall  be treated as Nonqualified Stock Option(s).
During  such  periods  as  required  by  Code Section 162(m) of the Code and the
regulations  thereunder  for compensation to be treated as qualified performance
based  compensation, the maximum number of shares of Stock with respect to which
Options  may  be  granted during any calendar year to an employee may not exceed
100,000, subject to adjustment in accordance with Section 5.2.  If, after grant,
the  exercise price of an Option is reduced, the transaction shall be treated as
the  cancellation  of the Option and the grant of a new Option.  If an Option is
deemed  to  be cancelled as described in the preceding sentence, the Option that
is deemed to be cancelled and the Option that is deemed to be granted shall both
be  counted against the Maximum Plan Shares and the maximum number of shares for
which  Options  may  be  granted  to  an  employee  during  any  calendar  year.

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                      SECTION 3  TERMS OF STOCK INCENTIVES

     3.1     General  Terms  and  Conditions.
             -------------------------------

          (a)     The  number  of  shares of Stock as to which a Stock Incentive
shall  be  granted  shall be determined by the Committee in its sole discretion,
subject  to  the  provisions  of  Section  2.2, as to the total number of shares
available  for  grants  under  the  Plan.  If  a  Stock  Incentive  Agreement so
provides,  a  Participant  may  be  granted a new Option to purchase a number of
shares of Stock equal to the number of previously owned shares of Stock tendered
in  payment  of  the  Exercise  Price (as defined below) for each share of Stock
purchased  pursuant  to  the  terms  of  the  Stock  Incentive  Agreement.

          (b)     Each  Stock  Incentive shall be evidenced by a Stock Incentive
Agreement in such form and containing such terms, conditions and restrictions as
the  Committee  may  determine  is  appropriate.  Each Stock Incentive Agreement
shall be subject to the terms of the Plan and any provision in a Stock Incentive
Agreement  that  is  inconsistent  with  the  Plan  shall  be  null  and  void.

          (c)     The  date  a  Stock  Incentive is granted shall be the date on
which  the  Committee  has  approved  the  terms  of,  and  satisfaction  of any
conditions  applicable  to,  the grant of the Stock Incentive and has determined
the  recipient  of  the  Stock Incentive and the number of shares covered by the
Stock  Incentive  and  has taken all such other action necessary to complete the
grant  of  the  Stock  Incentive.

          (d)     The Committee may provide in any Stock Incentive Agreement (or
subsequent  to  the  award  of  a Stock Incentive but prior to its expiration or
cancellation, as the case may be) that, in the event of a Change in Control, the
Stock Incentive shall or may be cashed out on the basis of any price not greater
than  the highest price paid for a share of Stock in any transaction reported by
any  market or system selected by the Committee on which the shares of Stock are
then  actively  traded  during  a  specified  period  immediately  preceding  or
including  the  date of the Change in Control or offered for a share of Stock in
any  tender  offer  occurring during a specified period immediately preceding or
including  the  date the tender offer commences; provided that, in no case shall
any  such  specified  period  exceed  three  (3)  months (the "Change in Control
Price").  For purposes of this Subsection, any Option shall be cashed out on the
basis  of  the  excess, if any, of the Change in Control Price over the Exercise
Price  to the extent the Option is then exercisable in accordance with the terms
of  the  Option  and  the  Plan.

          (e)     Any  Stock  Incentive may be granted in connection with all or
any  portion  of  a  previously  or  contemporaneously  granted Stock Incentive.
Exercise  or  vesting  of  a  Stock Incentive granted in connection with another
Stock  Incentive  may  result  in  a  pro  rata surrender or cancellation of any
related  Stock  Incentive,  as  specified  in  the  applicable  Stock  Incentive
Agreement.

          (f)     Stock  Incentives  shall  not  be  transferable  or assignable
except  by  will  or  by  the  laws  of  descent  and  distribution and shall be
exercisable,  during the Participant's lifetime, only by the Participant; in the
event  of  the  Disability  of  the  Participant,  by  the  legal

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representative  of  the  Participant;  or  in  the  event  of  the  death of the
Participant, by the personal representative of the Participant's estate or if no
personal  representative  has  been  appointed,  by  the  successor  in interest
determined  under  the  Participant's  will.

     3.2     Terms  and  Conditions  of  Options.  Each Option granted under the
             -----------------------------------
Plan  shall be evidenced by a Stock Incentive Agreement.  At the time any Option
is  granted,  the  Committee  shall  determine  whether  the  Option is to be an
Incentive  Stock  Option or a Nonqualified Stock Option, and the Option shall be
clearly  identified  as  to  its  status  as  an  Incentive  Stock  Option  or a
Nonqualified Stock Option.  At the time any Incentive Stock Option is exercised,
the Company shall be entitled to place a legend on the certificates representing
the shares of Stock purchased pursuant to the Option to clearly identify them as
shares  of  Stock  purchased  upon  exercise  of  an Incentive Stock Option.  An
Incentive  Stock  Option  may  only  be  granted  within ten (10) years from the
earlier of the date the Plan is adopted by the Board of Directors or approved by
the  Company's stockholders.  All Options shall provide that the primary federal
regulator  of  the Bank may require a Participant to exercise an Option in whole
or in part if the capital of the Bank falls below minimum requirements and shall
further  provide  that, if the Participant fails to so exercise any such portion
of  the  Option,  that  portion  of  the  Option  shall  be  forfeited.

          (a)     Option  Price.   Subject  to  adjustment  in  accordance  with
                  -------------
Section  5.2  and  the  other provisions of this Section 3.2, the exercise price
(the  "Exercise Price") per share of Stock purchasable under any Option shall be
as  set forth in the applicable Stock Incentive Agreement.  With respect to each
grant  of  an  Incentive  Stock  Option  to a Participant who is not an Over 10%
Owner, the Exercise Price per share shall not be less than the Fair Market Value
on  the  date the Option is granted.  With respect to each grant of an Incentive
Stock Option to a Participant who is an Over 10% Owner, the Exercise Price shall
not  be  less  than  110%  of  the  Fair  Market Value on the date the Option is
granted.  With  respect  to  each  grant  of  a  Nonqualified  Stock Option, the
Exercise  Price  per  share  shall  be  no  less  than  the  Fair  Market Value.

          (b)     Option  Term.  The  term of an Option shall be as specified in
                  ------------
the  applicable  Stock  Incentive  Agreement;  provided, however that any Option
granted  to  a  Participant shall not be exercisable after the expiration of ten
(10)  years  after the date the Option is granted and any Incentive Stock Option
granted  to  an  Over 10% Owner shall not be exercisable after the expiration of
five  (5)  years  after  the  date  the  Option  is  granted.

          (c)     Payment.  Payment  for  all shares of Stock purchased pursuant
                  -------
to  the  exercise  of an Option shall be made in cash or, if the Stock Incentive
Agreement  provides,  in  a  cashless  exercise  through  a  broker.   In  its
discretion,  the  Committee also may authorize (at the time an Option is granted
or  thereafter) Company financing to assist the Participant as to payment of the
Exercise  Price  on  such  terms  as  may  be  offered  by  the Committee in its
discretion.  Payment  shall  be  made  at  the  time that the Option or any part
thereof  is  exercised, and no shares shall be issued or delivered upon exercise
of an Option until full payment has been made by the Participant.  The holder of
an Option, as such, shall have none of the rights of a stockholder.

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          (d)     Conditions  to the Exercise of an Option.  Each Option granted
                  ----------------------------------------
under  the  Plan shall be exercisable by the Participant or any other designated
person,  at  such time or times, or upon the occurrence of such event or events,
and  in  such  amounts,  as  the  Committee shall specify in the Stock Incentive
Agreement;  provided,  however,  that  subsequent to the grant of an Option, the
Committee,  at  any  time  before  complete  termination  of  such  Option,  may
accelerate  the  time or times at which such Option may be exercised in whole or
in  part, including, without limitation, upon a Change in Control and may permit
the  Participant  or  any other designated person to exercise the Option, or any
portion  thereof,  for  all or part of the remaining Option term notwithstanding
any provision of the Stock Incentive Agreement to the contrary.  Notwithstanding
the  forgoing,  no Option granted prior to the third anniversary of the date the
Bank  opens  for  business  shall  contain  provisions which allow the Option to
become  vested  and  exercisable  at  a  rate  faster  than  in  equal one-third
increments  commencing  with  the  first anniversary of the Option's grant date.

          (e)     Termination of Incentive Stock Option Status.  With respect to
                  --------------------------------------------
an  Incentive  Stock  Option,  in  the  event of the Termination of Service of a
Participant,  the  Option  or  portion  thereof held by the Participant which is
unexercised shall expire, terminate and become unexercisable no later than three
(3)  months after the date of termination of employment; provided, however, that
in  the  case  of  a  holder  whose termination of employment is due to death or
Disability,  up  to  one  (1)  year  may be substituted for such three (3) month
period.  For  purposes  of  this  Subsection  (e), Termination of Service of the
Participant  shall not be deemed to have occurred if the Participant is employed
by  another  corporation  (or  a  parent or subsidiary corporation of such other
corporation)  which has assumed the Incentive Stock Option of the Participant in
a  transaction  to  which  Code  Section  424(a)  is  applicable.

          (f)     Special  Provisions  for  Certain  Substitute  Options.
                  ------------------------------------------------------
Notwithstanding  anything to the contrary in this Section 3.2, any Option issued
in  substitution  for  an  option  previously  issued  by  another entity, which
substitution  occurs  in  connection  with  a  transaction to which Code Section
424(a)  is  applicable, may provide for an exercise price computed in accordance
with such Code Section and the regulations thereunder and may contain such other
terms  and  conditions  as  the Committee may prescribe to cause such substitute
Option to contain as nearly as possible the same terms and conditions (including
the  applicable  vesting  and  termination provisions) as those contained in the
previously  issued  option  being  replaced  thereby.

     3.3     Treatment  of  Awards  Upon  Termination  of  Service.  Except  as
             -----------------------------------------------------
otherwise  provided  by  Plan  Section  3.2(e),  any  award under this Plan to a
Participant  who suffers a Termination of Service may be cancelled, accelerated,
paid  or  continued,  as  provided  in  the Stock Incentive Agreement or, in the
absence  of  such provision, as the Committee may determine.  The portion of any
award  exercisable in the event of continuation or the amount of any payment due
under  a  continued  award  may  be  adjusted  by  the  Committee to reflect the
Participant's  period  of service from the date of grant through the date of the
Participant's  Termination  of  Service  or  such other factors as the Committee
determines  are  relevant  to  its  decision  to  continue  the  award.

                                        8
<PAGE>
                        SECTION 4  RESTRICTIONS ON STOCK

     4.1     Escrow  of  Shares.  Any  certificates  representing  the shares of
             ------------------
Stock  issued  under the Plan shall be issued in the Participant's name, but, if
the  Stock Incentive Agreement so provides, the shares of Stock shall be held by
a  custodian  designated  by  the  Committee (the "Custodian").  Each applicable
Stock  Incentive  Agreement  providing  for  transfer  of shares of Stock to the
Custodian  shall  appoint  the  Custodian  as  the  attorney-in-fact  for  the
Participant  for the term specified in the applicable Stock Incentive Agreement,
with  full  power  and  authority  in the Participant's name, place and stead to
transfer,  assign  and  convey  to  the  Company any shares of Stock held by the
Custodian for such Participant, if the Participant forfeits the shares under the
terms  of  the applicable Stock Incentive Agreement.  During the period that the
Custodian  holds  the  shares  subject to this Section, the Participant shall be
entitled  to  all  rights,  except as provided in the applicable Stock Incentive
Agreement, applicable to shares of Stock not so held.  Any dividends declared on
shares of Stock held by the Custodian shall, as the Committee may provide in the
applicable Stock Incentive Agreement, be paid directly to the Participant or, in
the  alternative,  be retained by the Custodian until the expiration of the term
specified  in  the  applicable  Stock  Incentive  Agreement  and  shall  then be
delivered,  together  with  any  proceeds,  with  the  shares  of  Stock  to the
Participant  or  to  the  Company,  as  applicable.

     4.2     Restrictions on Transfer.  The Participant shall not have the right
             ------------------------
to  make  or  permit  to  exist  any  Disposition  of the shares of Stock issued
pursuant  to  the  Plan  except  as provided in the Plan or the applicable Stock
Incentive  Agreement.  Any  Disposition  of the shares of Stock issued under the
Plan  by  the Participant not made in accordance with the Plan or the applicable
Stock  Incentive  Agreement  shall be void.  The Company shall not recognize, or
have the duty to recognize, any Disposition not made in accordance with the Plan
and  the  applicable  Stock  Incentive  Agreement, and the shares so transferred
shall  continue  to  be  bound  by  the  Plan and the applicable Stock Incentive
Agreement.

                          SECTION 5  GENERAL PROVISIONS

     5.1     Withholding.  The  Company shall deduct from all cash distributions
             -----------
under  the  Plan  any  taxes  required to be withheld by federal, state or local
government.  Whenever  the  Company proposes or is required to issue or transfer
shares  of Stock under the Plan, the Company shall have the right to require the
recipient  to  remit to the Company an amount sufficient to satisfy any federal,
state  and  local  tax  withholding  requirements  prior  to the delivery of any
certificate  or  certificates  for  such  shares.  A  Participant  may  pay  the
withholding  obligation  in  cash,  by tendering shares of Stock which have been
owned  by  the  holder for at least six (6) months prior to the date of exercise
or,  if  the  applicable  Stock  Incentive Agreement provides, a Participant may
elect  to  have  the  number  of shares of Stock he is to receive reduced by the
smallest  number  of  whole  shares  of Stock which, when multiplied by the Fair
Market  Value  of  the  shares  of  Stock determined as of the Tax Date (defined
below),  is  sufficient to satisfy federal, state and local, if any, withholding
obligation arising from exercise or payment of a Stock Incentive (a "Withholding
Election").  A  Participant  may make a Withholding Election only if both of the
following  conditions  are  met:

                                        9
<PAGE>
          (a)     The  Withholding Election must be made on or prior to the date
on  which  the  amount  of  tax  required to be withheld is determined (the "Tax
Date") by executing and delivering to the Company a properly completed notice of
Withholding  Election  as  prescribed  by  the  Committee;  and

          (b)     Any  Withholding  Election  made will be irrevocable; however,
the  Committee may, in its sole discretion, disapprove and give no effect to the
Withholding  Election.

     5.2     Changes  in  Capitalization;  Merger;  Liquidation.
             --------------------------------------------------

          (a)      The  number  of  shares  of  Stock  reserved for the grant of
Options,  the maximum number of shares of Stock for which Options may be granted
to any employee during any calendar year, the number of shares of Stock reserved
for  issuance  upon  the  exercise  of each outstanding Option, and the Exercise
Price  of  each  outstanding  Option  shall  be proportionately adjusted for any
increase  or  decrease  in the number of issued shares of Stock resulting from a
subdivision  or  combination  of  shares  or  the  payment  of an ordinary stock
dividend  in  shares  of  Stock to holders of outstanding shares of Stock or any
other increase or decrease in the number of shares of Stock outstanding effected
without  receipt  of  consideration  by  the  Company.

          (b)     In  the  event  of  any merger, consolidation, reorganization,
extraordinary  dividend,  spin-off,  sale  of substantially all of the Company's
assets,  other  change  in  the  capital  structure  of the Company or its Stock
(including  any  Change  in  Control)  or  tender offer for shares of Stock, the
Committee,  in  its  sole  discretion, may make such adjustments with respect to
awards  and  take  such  other  action  as  it deems necessary or appropriate to
reflect  or  in  anticipation  of  such  merger,  consolidation, reorganization,
extraordinary  dividend,  spin-off,  sale  of substantially all of the Company's
assets,  other  change  in capital structure or tender offer, including, without
limitation;  the assumption of other awards, the substitution of new awards, the
adjustment  of  outstanding  awards  (with  or  without  the  payment  of  any
consideration),  the  acceleration  of  awards or the removal of restrictions on
outstanding  awards,  all  as  may be provided in the applicable Stock Incentive
Agreement  or, if not expressly addressed therein, as the Committee subsequently
may  determine  in  the event of any such merger, consolidation, reorganization,
extraordinary  dividend,  spin-off,  sale  of substantially all of the Company's
assets,  other  change  in  the capital structure of the Company or its Stock or
tender  offer  for  shares  of Stock or the termination of outstanding awards in
exchange for the cash value, as determined in good faith by the Committee of the
vested  and/or unvested portion of the award.  The Committee's general authority
under this Section 5.2 is limited by and subject to all other express provisions
of  the  Plan.  Any  adjustment pursuant to this Section 5.2 may provide, in the
Committee's  discretion,  for  the  elimination  without payment therefor of any
fractional  shares  that  might otherwise become subject to any Stock Incentive.

          (c)     The  existence  of  the  Plan and the Stock Incentives granted
pursuant  to  the  Plan  shall  not  affect in any way the right or power of the
Company to make or authorize any adjustment, reclassification, reorganization or
other  change  in its capital or business structure, any merger or consolidation
of  the  Company,  any  issue of debt or equity securities having preferences or
priorities as to the Stock or the rights thereof, the dissolution or liquidation
of  the

                                       10
<PAGE>
Company,  any  sale or transfer of all or any part of its business or assets, or
any  other  corporate  act  or  proceeding.

     5.3     Cash Awards.  The Committee may, at any time and in its discretion,
             -----------
grant to any holder of a Stock Incentive the right to receive, at such times and
in  such amounts as determined by the Committee in its discretion, a cash amount
which  is intended to reimburse such person for all or a portion of the federal,
state  and  local  income taxes imposed upon such person as a consequence of the
receipt  of  the  Stock  Incentive  or  the  exercise  of  rights  thereunder.

     5.4     Compliance  with  Code.  All  Incentive Stock Options to be granted
             ----------------------
hereunder  are  intended  to comply with Code Section 422, and all provisions of
the Plan and all Incentive Stock Options granted hereunder shall be construed in
such  a  manner  as  to  effectuate  that  intent.

     5.5     Right  to  Terminate  Service.  Nothing in the Plan or in any Stock
             -----------------------------
Incentive  Agreement  shall confer upon any Participant the right to continue as
an  employee,  director, organizer or officer of the Company or affect the right
of  the  Company  to  terminate  the  Participant's  services  at  any  time.

     5.6     Restrictions  on  Delivery and Sale of Shares; Legends.  Each Stock
             ------------------------------------------------------
Incentive  is subject to the condition that if at any time the Committee, in its
discretion,  shall  determine that the listing, registration or qualification of
the shares covered by such Stock Incentive upon any securities exchange or under
any  state  or  federal  law  is  necessary or desirable as a condition of or in
connection with the granting of such Stock Incentive or the purchase or delivery
of  shares  thereunder, the delivery of any or all shares pursuant to such Stock
Incentive  may  be  withheld  unless  and  until  such  listing, registration or
qualification  shall  have been effected.  If a registration statement is not in
effect  under the Securities Act of 1933 or any applicable state securities laws
with  respect  to the shares of Stock purchasable or otherwise deliverable under
Stock  Incentives then outstanding, the Committee may require, as a condition of
exercise of any Option or as a condition to any other delivery of Stock pursuant
to  a  Stock  Incentive,  that  the  Participant  or  other recipient of a Stock
Incentive  represent, in writing, that the shares received pursuant to the Stock
Incentive  are being acquired for investment and not with a view to distribution
and  agree  that  the  shares  will  not  be  disposed  of except pursuant to an
effective  registration  statement,  unless  the  Company shall have received an
opinion  of  counsel that such disposition is exempt from such requirement under
the  Securities  Act  of  1933  and  any  applicable state securities laws.  The
Company  may include on certificates representing shares delivered pursuant to a
Stock  Incentive  such  legends  referring  to  the foregoing representations or
restrictions  or  any other applicable restrictions on resale as the Company, in
its  discretion,  shall  deem  appropriate.

     5.7     Non-Alienation  of  Benefits.  Other  than as specifically provided
             ----------------------------
herein,  no  benefit  under  the  Plan  shall  be  subject  in  any  manner  to
anticipation,  alienation,  sale,  transfer,  assignment, pledge, encumbrance or
charge; and any attempt to do so shall be void.  No such benefit shall, prior to
receipt by the Participant, be in any manner liable for or subject to the debts,
contracts,  liabilities,  engagements  or  torts  of  the  Participant.

                                       11
<PAGE>
     5.8     Termination  and  Amendment of the Plan.  The Board of Directors at
             ---------------------------------------
any time may amend or terminate the Plan without stockholder approval; provided,
however, that the Board of Directors may condition any amendment on the approval
of  stockholders  of the Company if such approval is necessary or advisable with
respect  to  tax,  securities  or other applicable laws.  No such termination or
amendment without the consent of the holder of a Stock Incentive shall adversely
affect  the  rights  of  the  Participant  under  such  Stock  Incentive.

     5.9     Stockholder  Approval.   The  Plan  must  be  submitted  to  the
             ---------------------
stockholders  of the Company for their approval within twelve (12) months before
or  after  the  adoption  of  the  Plan  by  the  Board  of  Directors.

     5.10     Choice  of Law.  The laws of the State of Georgia shall govern the
              --------------
Plan,  to  the  extent  not  preempted  by  federal  law.

     5.11     Effective Date of the Plan.  The Plan was approved by the Board of
              --------------------------
Directors  as of __________________, 2002 and will be effective as of that date.

                                       NEIGHBOR'S  BANCSHARES,  INC.

                                       By: _____________________________________

                                       Title: __________________________________

ATTEST:

________________________________
Secretary

     [SEAL]

                                       12
<PAGE>PGFM Draft
                                                                 August 15, 2002

                              EMPLOYMENT AGREEMENT

     THIS  AGREEMENT is made as of the ___ day of __________, 2002, by and among
NEIGHBORS  BANCSHARES,  INC., a bank holding company incorporated under the laws
of  the  State of Georgia (the "Company"); NEIGHBORS BANK, a proposed state bank
being  organized  under  the  laws  of  the  State  of  Georgia  (the  "Bank")
(collectively,  the  Company  and  the  Bank  are referred to hereinafter as the
"Employer");  and  PHILLIP  L.  BALDWIN, a resident of the State of Georgia (the
"Executive").

                                    RECITALS:

     The  Employer  desires  to  employ  the  Executive  as  President and Chief
Executive  Officer  of  the  Company  and  the Bank and the Executive desires to
accept  such  employment.

     In  consideration  of  the  above  premises  and  the  mutual  agreements
hereinafter  set  forth,  the  parties  hereby  agree  as  follows:

1.     DEFINITIONS.  Whenever  used  in  this Agreement, the following terms and
       -----------
their  variant  forms  shall  have  the  meaning  set  forth  below:

     1.1     "AGREEMENT" shall mean this Agreement and any exhibits incorporated
              ---------
herein  together with any amendments hereto made in the manner described in this
Agreement.

     1.2     "AREA"  shall  mean  the  geographic  area within the boundaries of
              ----
Interstate  75  to  the  west,  Interstate 85 to the east, Interstate 285 to the
south and a line running horizontally from Interstate 75 to Interstate 85, which
line  intersects  with  the  northernmost  city limit of Jasper, Georgia, to the
north.  It  is the express intent of the parties that the Area as defined herein
is  the  area  where  the  Executive performs services on behalf of the Employer
under  this  Agreement  as  of  the  Effective  Date.

     1.3     "BUSINESS OF THE EMPLOYER" shall mean the business conducted by the
              ------------------------
Employer,  which  is  the  business  of  commercial  banking.

     1.4     "CAUSE"  shall  mean:
              -----

               1.4.1     With  respect  to  termination  by  the  Employer:

                    (a)     A  material breach of the terms of this Agreement by
     the  Executive,  including, without limitation, failure by the Executive to
     perform  his  duties  and  responsibilities in the manner and to the extent
     required  under  this Agreement, which remains uncured after the expiration
     of  fifteen  (15)  days  following  the  delivery of written notice of such
     breach to the Executive by the Employer. Such notice shall (i) specifically
     identify  the  duties  that the Board of Directors of either the Company or
     the Bank believes the Executive has failed to perform, (ii) state the facts
     upon  which  such  Board of Directors made such determination, and (iii) be
     approved  by  a resolution passed by two-thirds (2/3) of the directors then
     in  office;

<PAGE>
                    (b)     Conduct  by  the  Executive  that  amounts to fraud,
     dishonesty,  disloyalty  or  willful  misconduct  in the performance of his
     duties  and  responsibilities  hereunder;

                    (c)     Arrest  for,  charged  in  relation  to (by criminal
     information,  indictment  or  otherwise),  or  conviction  of the Executive
     during  the Term of a crime involving breach of trust or moral turpitude or
     any  felony;

                    (d)     Conduct  by  the Executive that amounts to gross and
     willful  insubordination  or inattention to his duties and responsibilities
     hereunder;  or

                    (e)     Conduct  by  the  Executive  that results in removal
     from  his position as an officer or executive of the Employer pursuant to a
     written  order by any regulatory agency with authority or jurisdiction over
     the  Employer.

               1.4.2     With  respect  to  termination  by  the  Executive,  a
     material  diminution  in  the  powers,  responsibilities  or  duties of the
     Executive  hereunder or a material breach of the terms of this Agreement by
     the  Employer,  which  remains  uncured after the expiration of thirty (30)
     days  following  the  delivery  of  written  notice  of  such breach to the
     Employer  by  the  Executive.

          1.5     "CHANGE  OF  CONTROL"  means  any one of the following events:
                   -------------------

                    (a)     the  acquisition  by any person or persons acting in
     concert  of the then outstanding voting securities of either the Company or
     the  Bank  if,  after the transaction, the acquiring person or persons owns
     controls  or  holds  the  power  to vote fifty percent (50%) or more of any
     class  of  voting  securities  of  the  Company  or  the  Bank;

                    (b)     within  any  twelve-month  period  (beginning  on or
     after  the  Effective  Date),  the persons who were directors of either the
     Company  or  the Bank immediately before the beginning of such twelve-month
     period  (the  "Incumbent  Directors")  shall cease to constitute at least a
     majority of such Board of Directors; provided that any director who was not
     a  director as of the beginning of such twelve-month period shall be deemed
     to  be an Incumbent Director if that director were elected to such Board of
     Directors by, or on the recommendation of or with the approval of, at least
     two-thirds  of the directors who then qualified as Incumbent Directors; and
     provided  further that no director whose initial assumption of office is in
     connection  with  an  actual or threatened election contest relating to the
     election  of  directors  shall  be  deemed  to  be  an  Incumbent Director;

                    (c)     a  reorganization,  merger  or  consolidation,  with
     respect to which persons who were the stockholders of either the Company or
     the  Bank immediately prior to such reorganization, merger or consolidation
     do  not,  immediately  thereafter, own more than fifty percent (50%) of the
     combined  voting  power  entitled  to  vote  in  the

                                        2
<PAGE>
     election  of directors of the reorganized, merged or consolidated company's
     then  outstanding  voting  securities;  or

                    (d)     the  sale,  transfer  or  assignment  of  all  or
     substantially  all  of  the  assets of the Company or the Bank to any third
     party.

     1.6     "CONFIDENTIAL  INFORMATION"  means data and information relating to
              -------------------------
the  business  of  the  Employer  (which  does not rise to the status of a Trade
Secret)  which  is  or  has  been  disclosed  to  the  Executive or of which the
Executive  became  aware  as  a  consequence  of  or  through  the  Executive's
relationship  to  the  Employer  and  which has value to the Employer and is not
generally  known to its competitors.  Confidential Information shall not include
any data or information that has been voluntarily disclosed to the public by the
Employer  (except  where  such  public disclosure has been made by the Executive
without authorization) or that has been independently developed and disclosed by
others,  or  that  otherwise  enters  the  public  domain  through lawful means.

     1.7     "DISABILITY"  shall  mean the inability of the Executive to perform
              ----------
each  of  his  material  duties  under  this Agreement for a period of three (3)
consecutive  months  as  certified  by  a  physician  chosen by the Employer and
reasonably  acceptable  to  the  Executive.

     1.8     "EFFECTIVE  DATE"  shall mean the date the Bank opens for business.
              ---------------

     1.9     "EMPLOYER  INFORMATION"  means  Confidential  Information and Trade
              ---------------------
Secrets.

     1.10     "INITIAL  TERM"  shall  mean that period of time commencing on the
               -------------
Effective  Date  and  running  until the earlier of the close of business on the
last  business  day immediately preceding the third anniversary of the Effective
Date  or  any  earlier  termination  of  employment  of the Executive under this
Agreement  as  provided  for  in  Section  3.

     1.11     "TERM"  shall  mean  the  Initial  Term and all subsequent renewal
               ----
periods.

     1.12     "TRADE  SECRETS"  means  Employer  information  including, but not
               --------------
limited  to,  technical  or nontechnical data, formulas, patterns, compilations,
programs,  devices,  methods,  techniques,  drawings, processes, financial data,
financial  plans,  product  plans  or  lists of actual or potential customers or
suppliers  which:

               (a)     derives  economic  value,  actual  or potential, from not
     being  generally  known  to,  and not being readily ascertainable by proper
     means  by,  other persons who can obtain economic value from its disclosure
     or  use;  and

               (b)     is  the  subject of efforts that are reasonable under the
     circumstances  to  maintain  its  secrecy.

2.     DUTIES.
       ------

     2.1     POSITION.  The  Executive  is  employed  as  President  and  Chief
             --------
Executive  Officer  of the Company and the Bank and, subject to the direction of
the  Board  of  Directors  of the Company

                                        3
<PAGE>
and  the Bank or the applicable Board's designee(s), shall perform and discharge
well  and  faithfully  the  duties  and responsibilities of the Executive as set
forth  on  Exhibit  "A"  attached  hereto. The Executive shall also perform such
           ------------
additional duties that may be assigned to him from time to time by the Boards of
Directors  of  the Company and the Bank only after such Boards of Directors have
solicited  the  reasonable  opinion  of  the  Executive  with  respect  to those
additional  duties.  The  Executive  shall perform the duties required under the
Agreement  at  the  principal  offices  of  the  Bank.

     2.2     FULL-TIME  STATUS.  In  addition to the duties and responsibilities
             -----------------
specifically  assigned  to  the  Executive  pursuant  to Section 2.1 hereof, the
Executive  shall:

               (a)     devote  substantially  all  of his time, energy and skill
     during  regular  business  hours  to  the  performance of the duties of his
     employment  (reasonable  vacations  and  reasonable absences due to illness
     excepted)  and  faithfully  and  industriously  perform  such  duties;

               (b)     diligently follow and implement all reasonable and lawful
     management  policies  and  decisions  communicated  to  him by the Board of
     Directors  of  either  the  Company  or  the  Bank;  and

               (c)     timely  prepare  and forward to the Board of Directors of
     either  the  Company  or  the  Bank  all  reports and accountings as may be
     requested  of  the  Executive.

          2.3     PERMITTED  ACTIVITIES.  The  Executive shall devote his entire
                  ---------------------
business  time, attention and energies to the Business of the Employer and shall
not  during the Term be engaged (whether or not during normal business hours) in
any  other  business  or  professional activity, whether or not such activity is
pursued  for  gain,  profit  or other pecuniary advantage, but this shall not be
construed  as  preventing  the  Executive  from:

               (a)     investing  his  personal  assets  in  businesses  which
     (subject  to  clause (b) below) are not in competition with the Business of
     the  Employer  and  which  will not require any services on the part of the
     Executive  in  their operation or affairs and in which his participation is
     solely  that  of  an  investor;

               (b)     purchasing  securities in any corporation, the securities
     of  which are regularly traded provided that such purchase shall not result
     in  him  collectively  owning beneficially at any time five percent (5%) or
     more  of  the  equity  securities  of  any business in competition with the
     Business  of  the  Employer;  and

               (c)     participating  in  civic  and  professional  affairs  and
     organizations  and  conferences, preparing or publishing papers or books or
     teaching  so  long  as  the Board of Directors of either the Company or the
     Bank  approves  in  writing  of  such  activities  prior to the Executive's
     engaging  in  them.

     Notwithstanding  the provisions of this Section 2.3, the Executive shall be
permitted  to  engage  in  business  activities  associated with the business of
Atlanta  East Cobb, Inc. (doing

                                        4
<PAGE>
business  as  Keller  Williams  Realty) and Phil and Brenda Baldwin, Inc. (doing
business  as  Keller  Williams  Realty)

3.     TERM  AND  TERMINATION.
       ----------------------

     3.1     TERM.     This  Agreement  shall  remain  in  effect  for the Term.
             ----
Commencing with the first day of the Initial Term, the Term shall renew each day
such  that  the Term remains a three-year term from day-to-day thereafter unless
any  party  gives  written  notice  to  the others of its or his intent that the
automatic  renewals  shall  cease.  In  the  event such notice of non-renewal is
properly  given,  this  Agreement  and  the Term shall expire on the third (3rd)
anniversary  of  the thirtieth (30th) day following the date such written notice
is  received.

     3.2     TERMINATION.  During  the  Term,  the  employment  of the Executive
             -----------
under  this  Agreement  may  be  terminated  only  as  follows:

          3.2.1     By  the  Employer:

               (a)     For  Cause, upon written notice to the Executive pursuant
          to  Section  1.4.1  hereof,  in which event the Employer shall have no
          further  obligation  to  the  Executive  except for the payment of any
          amounts  due  and  owing  under  Section  4  on  the effective date of
          termination;

               (b)     Without  Cause  at  any  time, provided that the Employer
          shall give the Executive thirty (30) days' prior written notice of its
          intent  to terminate, in which event the Employer shall be required to
          continue  to  meet  its obligations to the Executive under Section 4.1
          for  six  (6)  months  following  the  termination;  or

               (c)     Upon  the  Disability  of  the  Executive  at  any  time,
          provided  that the Employer shall give the Executive thirty (30) days'
          prior  written  notice of its intent to terminate, in which event, for
          six  (6)  months  following  the  date  of  termination  or  until the
          Executive  begins  receiving  payments  under  the Company's long-term
          disability  policy,  whichever  occurs  first,  the  Employer shall be
          required  to  continue  to  meet  its  obligations under Sections 4.1.

          3.2.2     By  the  Executive:

               (a)     For  Cause,  upon written notice to the Employer pursuant
          to Section 1.4.2 hereof, in which event the Employer shall be required
          to  continue  to  meet  its  obligations under Section 4.1 for six (6)
          months;  or

               (b)     Without Cause, provided that the Executive shall give the
          Employer  sixty  (60)  days'  prior  written  notice  of his intent to
          terminate,  in  which  event  the  Employer  shall  have  no  further
          obligation  to the Executive except for payment of any amounts due and
          owing  under  Section  4  on  the  effective  date of the termination.

                                        5
<PAGE>
          3.2.3     At  any  time upon mutual, written agreement of the parties.

          3.2.4     Notwithstanding  anything in this Agreement to the contrary,
     the  Term  shall  end  automatically  upon  the  Executive's  death.

     3.3     CHANGE OF CONTROL.  If the Executive terminates his employment with
             -----------------
the  Employer  under  this  Agreement  for  Cause  or  the  Employer  terminates
Executive's employment without Cause within six (6) months following a Change in
Control,  the Executive, or in the event of his subsequent death, his designated
beneficiaries  or  his  estate, as the case may be, shall receive, as liquidated
damages, in lieu of all other claims, a severance payment equal to one (1) times
the  Executive's then current Base Salary, to be paid in full on the last day of
the  month  following  the date of termination. In no event shall the payment(s)
described in this Section 3.3 exceed the amount permitted by Section 280G of the
Internal  Revenue  Code,  as  amended (the "Code").  Therefore, if the aggregate
present  value (determined as of the date of the Change of Control in accordance
with  the  provisions of Section 280G of the Code) of both the severance payment
and  all other payments to the Executive in the nature of compensation which are
contingent  on  a change in ownership or effective control of the Company or the
Bank  or  in the ownership of a substantial portion of the assets of the Company
or  the  Bank (the "Aggregate Severance") would result in a "parachute payment,"
as  defined  under  Section 280G of the Code, then the Aggregate Severance shall
not  be  greater  than  an  amount equal to 2.99 multiplied by Executive's "base
amount" for the "base period, " as those terms are defined under Section 280G of
the  Code.  In  the  event  the  Aggregate  Severance  is required to be reduced
pursuant to this Section 3.3, the Executive shall be entitled to determine which
portions  of  the  Aggregate  Severance  are to be reduced so that the Aggregate
Severance  satisfies  the  limit  set  forth  in  the  preceding  sentence.
Notwithstanding  any  provision in this Agreement, if the Executive may exercise
his  right  to  terminate  employment  under  this  Section 3.3 or under Section
3.2.2(a),  the  Executive  may  choose  which  provision  shall  be  applicable.

     3.4     EFFECT  OF  TERMINATION.  Upon  termination  of  the  Executive's
             -----------------------
employment  hereunder  for  any  reason,  the  Employer  shall  have  no further
obligations  to  the  Executive  or  the Executive's estate with respect to this
Agreement,  except  for  the payment of any amounts accrued or otherwise due and
owing  under  Section  4  hereof  and  unpaid  as  of  the effective date of the
termination  of  employment and payments set forth in Sections 3.2.1(b) and (c),
Section  3.2.2(a),  or  Section  3.3  as  applicable.

4.     COMPENSATION.  The  Executive  shall  receive  the  following  salary and
       ------------
benefits  during  the  Term,  except  as  otherwise  provided  below:

     4.1     BASE  SALARY.  The Executive shall be compensated at an annual base
             ------------
rate of $150,000 (the "Base Salary").  The obligation for payment of Base Salary
shall  be  apportioned  between  the Company and the Bank as they may agree from
time  to  time  in  their sole discretion.  The Executive's Base Salary shall be
reviewed  by  the  Board  of  Directors  of  the  Company  and the Bank at least
annually, and the Executive shall be entitled to receive annually an increase in
such  amount,  if  any,  as  may  be determined by the Board of Directors of the
Company  or  the  Bank  based  on their respective evaluation of the Executive's
performance.  Base  Salary  shall  be  payable in accordance with the Employer's
normal  payroll  practices.

                                        6
<PAGE>
     4.2     INCENTIVE COMPENSATION.  The Executive shall be eligible to receive
             ----------------------
annual  bonus  compensation,  if  any,  as  may  be  determined  by the Board of
Directors  of  the  Company  or  the Bank pursuant to any incentive compensation
program  as  may  be  adopted  from  time  to  time  by  the  Employer.

     4.3     STOCK  AWARDS.  The  Executive  shall be granted a restricted stock
             -------------
award  for a number of the Company's common stock equal to three percent (3%) of
the  shares  of  stock sold in the Company's initial public offering.  The award
will  become vested and exercisable in one-third (1/3) increments, commencing on
the  first  anniversary  of  the  Effective Date and continuing for the next two
successive  anniversaries.  In  addition,  the  Executive  shall  be  granted  a
supplemental  restricted  stock award for a number of the Company's common stock
equal  to  two percent (2%) of the shares of stock sold in the Company's initial
public  offering;  provided,  however, that the number of shares subject to such
award shall vest, in whole or in part, only upon the Executive's satisfaction of
performance  goals  determined  by  the  Board  of  Directors  of  the  Company.

     4.4     AUTOMOBILE.  Beginning  as of the Effective Date, the Employer will
             ----------
provide the Executive with a monthly automobile allowance not to exceed $750 per
month.  The  Employer  will  pay  expenses  associated  with  the  operation,
maintenance,  repair and insurance for the automobile.  Not less frequently than
once  annually, the Executive will make a good faith allocation between business
and  personal  use  of  such  vehicle  as  required  by Internal Revenue Service
guidelines.

     4.5     BUSINESS  EXPENSES;  MEMBERSHIPS.  The Employer specifically agrees
             --------------------------------
to  reimburse  the  Executive  for:

          (a)     reasonable  and necessary business (including travel) expenses
     incurred  by  him in the performance of his duties as approved by the Board
     of  Directors  of  either  the  Company  or  the  Bank;

          (b)     the  reasonable  dues  and  business  related  expenditures
     associated  with  membership  in  a  local  country club as selected by the
     Executive,  but  not  to  exceed  $200  per  month;  and

          (c)     the  reasonable  dues  and  business  related  expenditures
     associated  with  membership in trade and professional associations, as are
     mutually  agreed  upon  by  the  Executive  and  the  Employer,  which  are
     commensurate  with  the  Executive's  position;

provided,  however,  that  the  Executive  shall,  as  a  condition  of  any
reimbursement,  submit verification of the nature and amount of such expenses in
accordance with reimbursement policies from time to time adopted by the Employer
and in sufficient detail to comply with rules and regulations promulgated by the
Internal  Revenue  Service.

     4.6     VACATION.  On  a  non-cumulative  basis,  the  Executive  shall  be
             --------
entitled  to  four  (4) weeks of vacation in each successive twelve-month period
during the Term, during which his compensation shall be paid in full.  Beginning
on  the  third anniversary of the Effective Date, the

                                        7
<PAGE>
Executive  will  receive  one  additional  day  of  vacation  for  each  year of
employment  completed  after  the  third  anniversary  of  the  Effective  Date,
provided;  however,  that the Executive's annual vacation may not exceed six (6)
weeks  in  any  twelve-month  period  during  the  Term.

     4.7     BENEFITS.  In  addition  to  the benefits specifically described in
             --------
this  Agreement,  the  Executive  shall  be  entitled to such benefits as may be
available  from time to time to executives of the Employer similarly situated to
the  Executive.  All  such  benefits  shall  be  awarded  and  administered  in
accordance  with  the Employer's standard policies and practices.  Such benefits
may  include,  by  way  of  example  only,  profit-sharing  plans, retirement or
investment  funds,  dental, health, life and disability insurance benefits, sick
leave  and  such  other  benefits  as  the  Employer  deems  appropriate.

     4.8     WITHHOLDING.  The  Employer  may  deduct  from  each  payment  of
             -----------
compensation  hereunder  all  amounts  required  to  be deducted and withheld in
accordance  with applicable federal and state income, FICA and other withholding
requirements.

5.     BANK  INFORMATION.
       -----------------

     5.1     OWNERSHIP  OF BANK INFORMATION.   All Employer Information received
             ------------------------------
or  developed  by  the  Executive while employed by the Employer will remain the
sole  and  exclusive  property  of  the  Employer.

     5.2     OBLIGATIONS  OF  THE  EXECUTIVE.  The  Executive  agrees:
             -------------------------------

          (a)     to  hold  Employer  Information  in  strictest  confidence;

          (b)     not  to  use,  duplicate,  reproduce,  distribute, disclose or
     otherwise  disseminate  Employer Information or any physical embodiments of
     Employer  Information;  and

          (c)     in  any  event, not to take any action causing or fail to take
     any  action  necessary  in  order  to prevent any Employer Information from
     losing its character or ceasing to qualify as Confidential Information or a
     Trade  Secret.

In  the  event  that  the  Executive is required by law to disclose any Employer
Information,  the  Executive will not make such disclosure unless (and then only
to  the extent that) the Executive has been advised by independent legal counsel
that such disclosure is required by law and then only after prior written notice
is  given  to the Employer when the Executive becomes aware that such disclosure
has  been  requested and is required by law.  This Section 5 shall survive for a
period  of  two (2) years following termination of this Agreement for any reason
with  respect to Confidential Information, and shall survive termination of this
Agreement  for  any  reason  for so long as is permitted by applicable law, with
respect  to  Trade  Secrets.

     5.3     DELIVERY  UPON  REQUEST  OR  TERMINATION.  Upon  request  by  the
             ----------------------------------------
Employer, and in any event upon termination of his employment with the Employer,
the  Executive  will  promptly

                                        8
<PAGE>
deliver  to  the  Employer  all  property  belonging to the Employer, including,
without  limitation, all Employer Information then in his possession or control.

6.     NON-COMPETITION.  The  Executive agrees that during his employment by the
       ---------------
Employer  hereunder  and,  in  the  event  of  his  termination:

     -    by  the  Employer  for  Cause  pursuant  to  Section  3.2.1(a),
     -    by  the  Executive  without  Cause  pursuant  to  Section 3.2.2(b), or
     -    by  the  Executive  in connection with a Change of Control pursuant to
          Section  3.3,

for  a  period  of  twenty-four  (24)  months thereafter, or in the event of the
Executive's  termination  by  the  Employer  without  Cause  pursuant to Section
3.2.1(b),  for  six  (6)  months thereafter, he will not (except on behalf of or
with  the  prior  written  consent  of  the  Employer),  within the Area, either
directly  or  indirectly,  on  his  own behalf or in the service or on behalf of
others,  as an executive employee or in any other capacity which involves duties
and  responsibilities similar to those undertaken for the Employer (including as
an  organizer  or  proposed  executive  officer of a new financial institution),
engage  in  any  business  which  is  the same as or essentially the same as the
Business  of  the  Employer.

7.     NON-SOLICITATION  OF  CUSTOMERS.  The  Executive  agrees  that during his
       -------------------------------
employment by the Employer hereunder and, in the event of his termination:

     -    by  the  Employer  for  Cause  pursuant  to  Section  3.2.1(a),
     -    by  the  Executive  without  Cause  pursuant  to  Section 3.2.2(b), or
     -    by  the  Executive  in connection with a Change of Control pursuant to
          Section  3.3,

for  a  period  of  twenty-four  (24)  months thereafter, or in the event of the
Executive's  termination  by  the  Employer  without  Cause  pursuant to Section
3.2.1(b),  for  six  (6)  months thereafter, he will not (except on behalf of or
with  the  prior  written  consent of the Employer), within the Area, on his own
behalf  or in the service or on behalf of others, solicit, divert or appropriate
or  attempt  to  solicit,  divert  or  appropriate, any business from any of the
Employer's  customers,  including  prospective  customers actively sought by the
Employer,  with  whom  the Executive has or had material contact during the last
two  (2) years of his employment, for purposes of providing products or services
that  are  competitive  with  those  provided  by  the  Employer.

8.     NON-SOLICITATION  OF  EMPLOYEES.  The  Executive  agrees  that during his
       -------------------------------
employment by the Employer hereunder and, in the event of his termination:

     -    by  the  Employer  for  Cause  pursuant  to  Section  3.2.1(a),
     -    by  the  Executive  without  Cause  pursuant  to  Section 3.2.2(b), or
     -    by  the  Executive  in connection with a Change of Control pursuant to
          Section  3.3,

for  a  period  of  twenty-four  (24)  months thereafter, or in the event of the
Executive's  termination  by  the  Employer  without  Cause  pursuant to Section
3.2.1(b),  for  six  (6) months thereafter, he will not, within the Area, on his
own  behalf  or  in the service or on behalf of others, solicit, recruit or hire
away  or attempt to solicit, recruit or hire away, any employee of the Employer,
whether  or  not:

                                        9
<PAGE>
     -    such  employee  is a full-time employee or a temporary employee of the
          Employer,
     -    such  employment  is  pursuant  to  written  agreement,  or
     -    such  employment  is  for  a  determined  period  or  is  at  will.

9.     REMEDIES.  The  Executive agrees that the covenants contained in Sections
       --------
5 through 8 of this Agreement are of the essence of this Agreement; that each of
the covenants is reasonable and necessary to protect the business, interests and
properties  of  the  Employer,  and  that  irreparable  loss  and damage will be
suffered  by the Employer should he breach any of the covenants.  Therefore, the
Executive  agrees and consents that, in addition to all the remedies provided by
law  or  in  equity,  the  Employer shall be entitled to a temporary restraining
order  and  temporary  and  permanent  injunctions  to  prevent  a  breach  or
contemplated  breach  of  any  of the covenants.  The Employer and the Executive
agree  that  all  remedies  available  to  the  Employer  or  the  Executive, as
applicable,  shall  be  cumulative.

10.     SEVERABILITY.  The parties agree that each of the provisions included in
        ------------
this  Agreement is separate, distinct and severable from the other provisions of
this  Agreement  and  that  the  invalidity or unenforceability of any Agreement
provision shall not affect the validity or enforceability of any other provision
of this Agreement.  Further, if any provision of this Agreement is ruled invalid
or  unenforceable  by  a  court  of competent jurisdiction because of a conflict
between  the  provision  and  any applicable law or public policy, the provision
shall  be  redrawn  to  make  the  provision  consistent  with,  and  valid  and
enforceable  under,  the  law  or  public  policy.

11.     NO SET-OFF BY THE EXECUTIVE.  The existence of any claim, demand, action
        ---------------------------
or cause of action by the Executive against the Employer whether predicated upon
this  Agreement  or otherwise, shall not constitute a defense to the enforcement
by  the  Employer  of  any  of  its  rights  hereunder.

12.     NOTICE.  All  notices  and  other  communications  required or permitted
        ------
under  this  Agreement shall be in writing and shall be delivered by hand or, if
mailed,  shall  be  sent  via  the United States Postal Service, certified mail,
return  receipt requested or by overnight courier.  All notices hereunder may be
delivered  by  hand  or  overnight  courier,  in which event the notice shall be
deemed effective when delivered. All notices and other communications under this
Agreement  shall  be  given  to  the  parties hereto at the following addresses:

      (i)      If  to  the  Company,  to  it  at:

               Neighbors  Bancshares,  Inc.
               11285  Elkins  Road
               Building  E
               Roswell,  GA  30076

                                       10
<PAGE>
     (ii)      If to the Bank, to it at:

               Neighbors  Bank
               2320  Old  Milton  Parkway
               Alpharetta,  GA  30004

     (iii)     If to the Executive, to him at:

               ---------------------------------

               ---------------------------------

Any  party  hereto  may  change  his  or  its address by advising the others, in
writing,  of  such  change  of  address.

13.     ASSIGNMENT.  Neither  party hereto may assign or delegate this Agreement
        ----------
or  any  of  its rights and obligations hereunder without the written consent of
the  other  party  to  this  Agreement.

14.     WAIVER.  A  waiver  by one party to this Agreement of any breach of this
        ------
Agreement  by the other party to this Agreement shall not be effective unless in
writing,  and no waiver shall operate or be construed as a waiver of the same or
another  breach  on  a  subsequent  occasion.

15.     ARBITRATION.  Any  controversy  or  claim  arising out of or relating to
        -----------
this contract, or the breach thereof, shall be settled by binding arbitration in
accordance  with  the  Commercial  Arbitration Rules of the American Arbitration
Association.  Judgment  upon the award rendered by the arbitrator may be entered
only  in  a  state  court of Fulton County or the federal court for the Northern
District  of Georgia.  The Employer and the Executive agree to share equally the
fees  and  expenses  associated  with  the  arbitration  proceedings.
EXECUTIVE  MUST  INITIAL  HERE:_______.

16.     ATTORNEYS'  FEES.  In the event that the parties have complied with this
        ----------------
Agreement  with respect to arbitration of disputes and litigation ensues between
the  parties  concerning  the  enforcement  of  an  arbitration award, the party
prevailing  in such litigation shall be entitled to receive from the other party
all reasonable costs and expenses, including without limitation attorneys' fees,
incurred  by  the  prevailing  party in connection with such litigation, and the
other  party  shall pay such costs and expenses to the prevailing party promptly
upon  demand  by  the  prevailing  party.

17.     APPLICABLE  LAW.  This  Agreement  shall be construed and enforced under
        ---------------
and  in  accordance  with  the  laws  of  the  State  of  Georgia.

18.     INTERPRETATION.  Words  importing any gender include all genders.  Words
        --------------
importing  the singular form shall include the plural and vice versa.  The terms
"herein",  "hereunder", "hereby", "hereto", "hereof" and any similar terms refer
to  this  Agreement.  Any captions, titles or headings preceding the text of any
article,  section  or  subsection herein are solely for convenience of reference
and  shall  not  constitute  part  of  this  Agreement  or  affect  its meaning,
construction  or  effect.

                                       11
<PAGE>
19.     ENTIRE  AGREEMENT.  This  Agreement  embodies  the  entire  and  final
        -----------------
agreement  of  the  parties  on the subject matter stated in this Agreement.  No
amendment  or  modification of this Agreement shall be valid or binding upon the
Employer  or  the  Executive  unless made in writing and signed by both parties.
All  prior  understandings and agreements relating to the subject matter of this
Agreement  are  hereby  expressly  terminated.

20.     RIGHTS  OF  THIRD  PARTIES.  Nothing  herein expressed is intended to or
        --------------------------
shall  be  construed to confer upon or give to any person, firm or other entity,
other  than  the  parties  hereto  and  their  permitted  assigns, any rights or
remedies  under  or  by  reason  of  this  Agreement.

21.     SURVIVAL.  The  obligations  of the Executive pursuant to Sections 5, 6,
        --------
7,  8  and  9  shall  survive the termination of the employment of the Executive
hereunder  for  the  period  designated under each of those respective sections.

22.     JOINT  AND  SEVERAL.  The obligations of the Company and the Bank to the
        -------------------
Executive  hereunder  shall  be  joint  and  several.

                  [Remainder of Page Intentionally Left Blank]

                                       12
<PAGE>
     IN  WITNESS  WHEREOF,  the  Employer  and  the  Executive have executed and
delivered  this  Agreement  as  of  the  date  first  shown  above.

                              NEIGHBORS  BANCSHARES,  INC.

                              By:
                                   -------------------------------------------
                                   Signature

                                   -------------------------------------------
                                   Print  Name

                                   -------------------------------------------
                                   Title

                              NEIGHBORS  BANK

                              By:
                                   -------------------------------------------
                                   Signature

                                   -------------------------------------------
                                   Print  Name

                                   -------------------------------------------
                                   Title

                              ------------------------------------------------
                              PHILLIP  L.  BALDWIN

                              Date:
                                   -------------------------------------------

                                       13
<PAGE>
                                   EXHIBIT "A"
                                   -----------

                             DUTIES OF THE EXECUTIVE
                             -----------------------

                      PRESIDENT AND CHIEF EXECUTIVE OFFICER

Function:
---------

The  President  and  Chief  Executive Officer has overall responsibility for the
leadership of the Employer.  He is responsible for all activities to insure that
the  Company  and  the Bank are run a safe and sound manner while maximizing the
return to the shareholders and meeting the needs of their various constituencies
(shareholders,  Boards  of  Directors,  customers, employees, regulators and the
communities  served  by  the  Company  and  the  Bank).

Required  Qualifications:
------------------------

     -    Minimum  of  five years' experience as president of a bank in Georgia.
          If  the  bank  was not in the Atlanta area, the individual must have a
          demonstrable  familiarity  and knowledge of unique issues and problems
          associated  with  banking  in  the  Atlanta  metropolitan  area.

     -    A  strong  communicator,  the  individual  must be a good listener who
          possesses  effective  presentation  skills  and can deliver insightful
          messages  to  external  and  internal  audiences.  Must  have  proven
          effectiveness  in  written  and  verbal  communication.

     -    Demonstrated  ability  to  work  collaboratively  with  internal  and
          external  constituencies.

     -    Knowledge  of  evolving  changes  and  issues  in  banking.

     -    A  "hands-on",  collaborative,  and  resourceful  manager, who is very
          comfortable  taking an established start-up through multiple levels of
          its  life  cycle.

     -    High  ethical  standards  and  professional  integrity  are  a  must.

Principal  Accountabilities:
---------------------------

     -    Develops  and  implements the overall business strategy of the Company
          and the Bank. Responsible for the planning, implementation and control
          of  short and long term goals, as well as strategic plans to implement
          these  goals.

     -    Helps  the  Boards of Directors of the Company and the Bank define the
          specific  corporate  culture  characteristics  needed to fulfill their
          missions.

                                      A-1
<PAGE>
     -    Manages  and  directs  the  Company  and  Bank  toward  their  primary
          objectives,  based  on profit and return on capital, by performing the
          duties  personally  or  through  subordinate  managers.

     -    Establishes  current  and  long-range  objectives, plans and policies,
          subject  to approval by the Boards of Directors of the Company and the
          Bank.  Educates  employees on these objectives, plans and policies and
          monitor  their performance against the objectives, plans and policies.

     -    Provides  leadership  and  direction  in  establishing,  implementing,
          monitoring,  and  achieving  the goals and directives set forth in the
          annual  business  plan.

     -    Directs  activities  of  the  senior  management  staff  to ensure the
          implementation  of  the  strategic  plan.

     -    Ensures  fiscal  integrity  by  directing  the  implementation  of  an
          operational budget consistent with the overall strategic plan. Directs
          resource  allocation to promote effective utilization of all resources
          and  provides  for  internal  controls  which protect human, physical,
          financial  and  information  resources.

     -    Works  closely  with the Chief Financial Officer to insure appropriate
          financial  reporting and ensures that proper accounting procedures are
          utilized.

     -    Works  closely  with  the Senior Lending Officer to monitor quality of
          loan  portfolio  and  guidelines approved by the Board of Directors of
          the  Bank.

     -    Originates  and approves loans, acting within the approved loan limits
          and  guidelines  approved  by  the  Board  of  Directors  of the Bank.

     -    Establishes information and support systems to facilitate the delivery
          of  quality  banking  services.

     -    Directs  the implementation of appropriate human resource policies and
          programs  that  provide  a positive work environment and the necessary
          incentives  for  the  recruitment  and  retention  of  high  quality
          employees.  Ensures  each employee has clarity of job responsibilities
          and  defined  standards  and  goals.

     -    Develops  and  reviews  all  information  presented  to  the Boards of
          Directors.  Presents  proposals for change, growth, or development and
          keeps  members  of  the  Boards of Directors informed on the status of
          activities.

     -    Responds  to  the  community's  need  for  quality banking services by
          monitoring  the  adequacy  of  the  Company's  and  Bank's activities,
          performing  necessary administrative functions relating to performance
          improvement and assisting the Boards of Directors and employee efforts
          to  achieve  and  maintain  the  desired  standards  of  performance.

                                      A-2
<PAGE>
     -    Provides active leadership in the development and implementation of an
          effective  Community Reinvestment Act ("CRA") program including active
          involvement  in  ascertaining  the  community's  credit  needs.

     -    Attends  all  meetings  of the governing body, serves on committees of
          the  Boards  of  Directors,  presents to the governing bodies or their
          authorized committees periodic reports reflecting the operations, long
          and  short  term plans, professional services and financial activities
          of  the  Company  and  Bank  and  other  special reports as necessary.

     -    Ensures  compliance  with all applicable law and regulations governing
          banking  institutions  and with all appropriate regulatory agencies by
          continually  monitoring  the  operation  of  services and programs and
          initiating  changes  as  necessary.

     -    Maintains  active  involvement  in  business development activities to
          solicit and maintain sufficient business to meet or exceed established
          goals.

     -    Represents  the  Company  and  Bank  in  their  relationships  to  the
          community  and  with  other  banks  and  associations.  Encourages the
          integration of the Company and Bank with the local community and works
          to  achieve a favorable attitude toward the Company and Bank among its
          various  publics  by  establishing  and  maintaining  effective
          communications  and  public  relations  programs.

     -    Represents  the  shareholders' interests by working closely with local
          investors,  media and public relations firms to tell the Company's and
          Bank's "story" about their successes on a regular basis, through press
          releases,  presenting  their  stories  at  conferences,  meetings  and
          seminars  and  on  the  website  for  the  Company  and  Bank.

                                      A-3
<PAGE>

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00042-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00042-of-00352.parquet"}]]