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                                                                    EXHIBIT 10.8

                              EMPLOYMENT AGREEMENT

     THIS  AGREEMENT is made as of the 1st day of June, 2001, by and among FIRST
NATIONAL  BANK OF WEST METRO (in organization) (the "Bank"), a proposed national
bank;  WEST  METRO FINANCIAL SERVICES, INC., a bank holding company incorporated
under  the  laws of the State of Georgia (the "Company") (collectively, the Bank
and  the  Company are referred to hereinafter as the "Employer"), and J. MICHAEL
WOMBLE,  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  Bank  and  the Company 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     "AFFILIATE"  shall  mean  any  business  entity  which controls the
              ---------
Company,  is  controlled  by  or  is  under  common  control  with  the Company.

     1.3     "AREA"  shall  mean  the  geographic  area within the boundaries of
              ----
Paulding County, Georgia.  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.

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

     1.5     "CAUSE"  shall  mean:
              -----

          1.5.1     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  thirty  (30)  days  following  the delivery of written
          notice  of such breach to the Executive by 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

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          of  Directors  made  such  determination,  and  (iii) be approved by a
          resolution passed by two-thirds (2/3) of the directors then in office;

               (b)     Conduct  by  the  Executive  that  amounts  to  fraud,
          dishonesty  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 this Agreement of a crime involving breach of trust
          or  moral  turpitude;

               (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 Employer pursuant to a written
          order  by  any  regulatory  agency with authority or jurisdiction over
          Employer.

     1.5.2  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 Employer, which remains
uncured  after  the  expiration  of  thirty  (30) days following the delivery of
written  notice  of  such  breach  to  Employer  by  the  Executive.

     1.6     "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 Bank
          or  the  Company,  if, after the transaction, the acquiring person (or
          persons)  owns,  controls  or  holds  with  power  to vote twenty-five
          percent  (25%) or more of any class of voting securities of either the
          Bank  or  the  Company, as the case may be; provided, however, that no
          acquisition  of  voting securities by the Executive shall constitute a
          Change  of  Control;

               (b)     within any twelve-month period (beginning on or after the
          Effective  Date)  the persons who were directors of either the Bank or
          the  Company  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 Effective Date 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 (as such terms are used in Rule 14a-11 of Regulation
          14A promulgated under the Securities Exchange Act of 1934) 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 the Bank or the Company,
          as  the  case may be,

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          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

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

     1.7     "COMPANY  INFORMATION"  means  Confidential  Information  and Trade
              --------------------
Secrets.

     1.8     "CONFIDENTIAL  INFORMATION"  means data and information relating to
              -------------------------
the  business of the Bank or the Company (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.

     1.9     "DISABILITY"  shall  mean the inability of the Executive to perform
              ----------
each  of  his  material  duties  under  this  Agreement  for the duration of the
short-term  disability  period  under  the  Employer's  policy then in effect as
certified by a physician chosen by the Employer and reasonably acceptable to the
Executive.

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

     1.11     "INITIAL  TERM"  shall mean that period of time commencing on June
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1,  2001  (the  "Beginning Date") and running until the close of business on the
last  business  day immediately preceding the third anniversary of the Beginning
Date.

     1.12     "TERM"  shall  mean the earlier of (a) the last day of the Initial
               ----
Term  or most recent subsequent renewal period or (b) any earlier termination of
employment  of  the Executive under this Agreement as provided for in Section 3.

     1.13     "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.

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2.     DUTIES.
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     2.1     POSITION.  The  Executive  is  employed  initially as President and
             --------
Chief Executive Officer of the Bank and the Company, subject to the direction of
the  Board  of  Directors  of  the Bank or the Company or its designee(s), shall
perform  and  discharge  well and faithfully the duties which may be assigned to
him  from time to time by the Bank or the Company in connection with the conduct
of its business.  The duties and responsibilities of the Executive are set forth
on  Exhibit  A  attached  hereto.
    ----------

     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  Bank  or  the  Company;  and

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

          2.3     OTHER  PERMITTED ACTIVITIES.  While the Executive shall devote
                  ---------------------------
     substantially  all  of  his  business  time,  attention and energies to the
     Business  of  the  Employer;  this  shall  not  preclude the Executive from
     pursuing  any  other  business  or  professional  activities  provided such
     activities  do  not  interfere or conflict with the duties to be discharged
     pursuant  to  the  terms  of  this  Agreement.

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

     3.1     TERM.     This  Agreement  shall  remain  in  effect  for the Term.
             ----
While  this Agreement remains in effect, however, it shall renew each day for an
additional  day  so that the unexpired Term is always three (3) years unless and
until  either party gives written notice to the other of its intent not to allow
the  Term  to renew on a daily basis with such written notice to be effective no
earlier than the date of the notice.  In the event such notice of non-renewal is
properly  given,  this Agreement shall terminate on the close of business on the
third anniversary of the date of the notice of non-renewal or the effective date
of  non-renewal  specified  in  the  notice,  whichever  is  later.

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

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          3.2.1     By  the  Employer:

               (a)  In  the  event that the Bank fails to receive its regulatory
          charter,  or the Company fails to raise the necessary capital required
          to  open  the  Bank,  and  should the Company's or the Bank's Board of
          Directors  decide  to  forgo future efforts to open the Bank, in which
          event  the  Employer  shall  be  required  to  continue  to  meet  its
          obligation  to the Executive under Section 4.1 for twelve (12) months;

               (b)  For  Cause, upon written notice to the Executive pursuant to
          Section  1.5.1  hereof,  where  the  notice  has  been  approved  by a
          resolution passed by two-thirds of the directors of either the Bank or
          the  Company  then  in  office;

               (c)  Without Cause at any time, provided that the Bank 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 a
          period  equal  to  the  lesser of (i) twelve (12) months following the
          termination  or  (ii)  the  remaining  Term  of  the  Agreement;  or

               (d)  Upon  the Disability of 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, the Employer shall
          be  required to continue to meet its obligations under Section 4.1 for
          twelve  (12)  months  following the termination or until the Executive
          begins  receiving  payments  under  the Company's long-term disability
          policy,  whichever  occurs  first.

          3.2.2     By  the  Executive:

               (a)  For  Cause, in which event the Employer shall be required to
          continue  to meet its obligations under Section 4.1 for a period equal
          to  the  lesser of (i) twelve (12) months following the termination or
          (ii)  the  remaining  Term  of  the  Agreement;  or

               (b)  Without  Cause  or  upon  the  Disability  of the Executive,
          provided  that  the Executive shall give the Employer sixty (60) days'
          prior  written  notice  of  his  intent  to  terminate.

          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 any reason within six (6) months following
a Change of 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
three (3) times the Executive's then current Base Salary and target

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<PAGE>
bonus  amount for that calendar year, if any, 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 Bank or the
Company  or  in the ownership of a substantial portion of the assets of the Bank
or  the  Company  (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.  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,  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  salary and bonus amounts, if any, accrued pursuant to Sections
4.1  and  4.2  hereof  and unpaid as of the effective date of the termination of
employment  and any payments set forth in Sections 3.2.1(a), (c) or (d); Section
3.2.2(a);  Section 3.3; and/or Section 4.4, but only to the extent applicable as
provided in such Sections.  Nothing contained herein shall limit or impinge upon
any  other  rights  or remedies of the Employee or the Executive under any other
agreement or plan to which the Executive is a party or of which the Executive is
a  beneficiary.

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

     4.1     BASE  SALARY.  During the Initial Term, the Executive shall be paid
             ------------
a salary for June of 2001 equal to $6,250 and thereafter 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 Bank and the Company 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 Bank
or  the Company based on its evaluation of Executive's performance.  Base Salary
shall  be  payable  in  accordance with the Employer's normal payroll practices.

     4.2     INCENTIVE  COMPENSATION.     The  Executive  shall  be  entitled to
             -----------------------
annual  bonus  compensation,  if  any,  as  follows:

          4.2.1  The Executive shall receive a one-time cash bonus, payable in a
     lump  sum,  if  and  when  the  Bank first becomes and remains cumulatively
     profitable for a period of no

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     less  than three-consecutive months. The bonus amount shall be equal to ten
     percent  (10%)  of  the Executive's Base Salary then in effect and shall be
     paid  within  thirty  (30) days after the close of the relevant performance
     period.

          4.2.2  Beginning  one  year after the opening of the Bank and assuming
     the  Bank  has  become  and  remains cumulatively profitable as of its most
     recent  fiscal  year-end,  the  Executive  shall be eligible to receive the
     following  annual  performance  bonuses:

               (a)  The  Executive shall be eligible for a bonus amount equal to
          fifteen percent (15%) of his Base Salary in effect for the fiscal year
          in  question  if  the Bank successfully reaches each of its designated
          performance  targets  for the fiscal year, as determined by the Bank's
          Board  of  Directors.

               (b)  The  Executive  shall  be  eligible  for an additional bonus
          amount equal to ten percent (10%) of his Base Salary in effect for the
          fiscal  year  in  question  if  the  Bank  successfully  exceeds  its
          designated  performance  targets  by  at  least  ten percent (10%), as
          determined  by  the  Bank's  Board  of  Directors.

               (c)  The  Executive  shall  be  eligible  for an additional bonus
          amount equal to fifteen percent (15%) of the Bank's pre-tax profits in
          an  amount  up  to,  but  not  to  exceed,  twenty-five  (25%)  of the
          Executive's  Base  Salary  in  effect for the fiscal year in question.

          Notwithstanding the foregoing, the performance bonuses contemplated by
          this Section 4.2.2 shall not become due and payable until the Board of
          Directors  of  the Bank has determined, according to reasonable safety
          and  soundness  standards, that the overall financial condition of the
          Bank,  including  asset quality, will not be adversely affected by the
          payment  of  the  performance  bonuses.

     4.3     STOCK  OPTIONS.  As  of  the  Effective Date, the Company will have
             --------------
established  a  stock incentive plan and will grant to the Executive pursuant to
such  stock incentive plan a nonqualified stock option to purchase 21,000 shares
of the Company's common stock at a per share purchase price no greater than then
fair market value determined as of the date of grant.  The option generally will
become  vested and exercisable in equal, one-third increments, commencing on the
first  anniversary  of the option grant date and continuing for the next two (2)
successive  anniversaries until the option is fully vested and exercisable.  The
option  shall  expire  generally  upon the earlier of ninety (90) days following
termination  of  employment  or  upon  the tenth anniversary of the option grant
date.  The option will be issued by the Employer pursuant to the Company's stock
incentive  plan  and  subject  to the terms of a related stock option agreement.
For  fiscal year 2002 and thereafter, the Executive shall receive an additional,
annual option grant to purchase 3,000 shares of Company common stock if the Bank
successfully  reaches  each of its designated performance targets for the fiscal
year,  as  determined  by  the  Bank's Board of Directors.  Any such additional,
annual  option  grant shall be granted as soon as practicable after the close of
the  fiscal  year  for  which the award is made; shall have an exercise price no
greater  than  fair  market  value determined as of the date of grant; and shall
have  the  same  general terms and conditions as described above for his initial
option  grant.

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     4.4     HEALTH  INSURANCE.
             -----------------

          (a) The Employer shall reimburse the Executive for the cost of premium
     payments paid by the Executive for the Executive's current health insurance
     covering  the  Executive  and the members of his immediate family until the
     first  to  occur  of  the  following:

               (i)  such  time as the Company adopts a health insurance plan for
          employees  of  the  Company  and/or  the  Bank;

               (ii)  the  Company  and  the  Bank  abandon  their organizational
          efforts;  or

               (iii)  twelve  (12)  months  after  the  Beginning  Date.

          (b)  In  the  event of termination by the Executive for Cause (Section
     3.2.2(a))  or  following  a  Change  of Control (Section 3.3), the Employer
     shall  reimburse  Executive  for  the  cost of premium payments paid by the
     Executive  to  continue  his then existing health insurance for himself and
     his  eligible dependents as provided by the Employer for a period of twelve
     (12)  months  following  the  date  of  termination  of  employment.

          (c)  In  the  event  of  a  termination  by the Employer without Cause
     (Section 3.2.1(c)), the Employer shall reimburse the Executive for the cost
     of  premium  payments  paid  by the Executive to continue his then existing
     health  insurance  for  himself  and his eligible dependents as provided by
     Employer  for  a  period  of  twelve  (12)  months  following  the  date of
     termination  of  employment.

     4.5     AUTOMOBILE.  Beginning as of the Effective Date, at the election of
             ----------
the  Employer,  the Employer will provide Executive with an automobile allowance
of  $750 per month or shall provide the Executive with a suitable automobile and
pay for all costs related to the vehicle's operation, maintenance and insurance.

     4.6     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 hereunder, as approved by
     the  Board  of  Directors  of  either  the  Bank  or  the  Company;  and

          (b)  beginning as of the Effective Date, the dues and business related
     expenditures,  including  initiation  fees, associated with membership in a
     single  country  club and civic associations, as selected by the Executive,
     and  in professional associations which are commensurate with his position;
     provided,  however,  that  the  Executive  shall,  as  a  condition  of
     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

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     in  sufficient  detail  to comply with rules and regulations promulgated by
     the  Internal  Revenue  Service.

     4.7     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.

     4.8     LIFE  AND  DISABILITY  INSURANCE.  The Employer shall reimburse the
             --------------------------------
Executive  for  up  to  $10,000 of life insurance costs incurred annually by the
Executive  and  shall  provide  the Executive with disability insurance coverage
providing  a  benefit  equal  to  at  least  sixty  percent  (60%) of his annual
compensation,  which  coverage  shall  also  contain a cost-of-living adjustment
feature.

     4.9     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 Bank similarly situated to the
Executive.  All  such  benefits  shall be awarded and administered in accordance
with  the Bank'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 and such other benefits
as  the  Bank  deems  appropriate.

     4.10     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.     COMPANY  INFORMATION.
       --------------------

     5.1     OWNERSHIP  OF  COMPANY  INFORMATION.   All  Company  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  Company  Information  in  strictest  confidence;

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

          (c)  in  any event, not to take any action causing or fail to take any
     action  necessary  in  order to prevent any Company 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 Company
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 Company when the Executive becomes aware that such

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disclosure  has  been  requested  and  is  required by law. This Section 5 shall
survive  for  a  period  of  twelve  (12)  months  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 deliver to the Employer all property belonging to
the Employer, including, without limitation, all Company Information then in his
possession  or  control.

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

     -    by  the  Employer  for  Cause  pursuant  to  Section  3.2.1(b),
     -    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 twelve (12) 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(b),
     -    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 twelve (12) 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 actively sought prospective customers, 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  the  Business  of  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(b),
     -    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,

                                       10
<PAGE>
for  a period of twelve (12) 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  or  its  Affiliates  to another person or entity providing products or
services that are competitive with the Business of the Employer, whether or not:

     -    such  employee  is a full-time employee or a temporary employee of the
          Employer  or  its  Affiliates,
     -    such  employment  is  pursuant  to  written  agreement,  and
     -    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, or any Affiliate of
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, if mailed by prepaid first-class
mail  or  certified mail, return receipt requested, shall be deemed to have been
received  on  the earlier of the date shown on the receipt or three (3) business
days  after  the postmarked date thereof.  In addition, 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  Employer,  to  it  at:
                  West  Metro  Financial  Services,  Inc.
                  361  Memorial  Drive  West
                  Dallas,  Georgia  30132

                                       11
<PAGE>
          (ii)    If  to  the  Executive,  to  him  at:
                  2900  Rome  Road
                  Cedartown,  Georgia  30125

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 the State Court of Paulding 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:  /S/  JMW

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.

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.

                                       12
<PAGE>
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  Bank and the Company to
        -------------------
Executive  hereunder  shall  be  joint  and  several.

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

                                THE  BANK:

                                FIRST  NATIONAL  BANK  OF  WEST  METRO
                                (IN  ORGANIZATION)

                                By:  /s/  William  A.  Carruth
                                   ---------------------------------------------
                                Print  Name:  William  A.  Carruth
                                Title: Vice Chairman of the Board of Directors

                              THE  COMPANY:

                                WEST  METRO  BANK  GROUP,  INC.

                                By:  /s/  William  A.  Carruth
                                   ---------------------------------------------
                                Print  Name:  William  A.  Carruth
                                Title: Vice Chairman of the Board of Directors

                                THE  EXECUTIVE:

                                /s/  J.  Michael  Womble
                                ------------------------------------------------
                                J.  MICHAEL  WOMBLE

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

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

The  initial  duties  of  the  Executive shall include, in addition to any other
duties  assigned  the  Executive  by  the  Board of Directors of the Bank or the
Company  or  their  respective  designees,  the  following:

               -  Foster  a  corporate  culture that promotes ethical practices,
          encourages  individual  integrity, fulfills social responsibility, and
          is  conducive  to attracting, retaining and motivating a diverse group
          of  top-quality  employees  at  all  levels.

               -  Work  with  the Board of Directors of the Company to develop a
          long-term  strategy  for  the  Company that creates shareholder value.

               -  Develop  and  recommend  to the Board of Directors of the Bank
          annual business plans and budgets that support the Company's long-term
          strategy.

               -  Manage  the day-to-day business affairs of the Company and the
          Bank  appropriately.

               -  Use  best  efforts to achieve the Company and Bank's financial
          and  operating  goals  and  objectives.

               -  Use  best  efforts  to  improve  the  quality and value of the
          products  and  services  provided  by  the  Bank.

               -  Use  best  efforts  to  ensure  that  the  Bank  maintains  a
          satisfactory  competitive  position  within  its  industry.

               - Develop an effective management team and an active plan for its
          development  and  succession, and make recommendations to the Board of
          Directors  of  the  Bank  regarding  hiring,  firing and compensation.

               -  Implement  major  corporate  policies.

<PAGE>EXHIBIT 10.9

                              EMPLOYMENT AGREEMENT
                              --------------------

     THIS EMPLOYMENT AGREEMENT is entered into on this 29th day of July, between
West  Metro  Financial  Services,  Inc. together with The First National Bank of
West  Metro  (in  organization),  a  proposed  national banking association (the
"COMPANY"),  and  Kathy  Hulsey  (the  "EXECUTIVE").

     WHEREAS, the parties hereto desire to enter into an agreement for Company's
employment  of  Executive  on  the  terms  and  conditions  contained  herein;

     THEREFORE,  in  consideration  of  the  premises  and the mutual covenants,
benefits  and  conditions herein contained, the parties hereto agree as follows:

     1.     EMPLOYMENT.  The  Company  hereby  employs  Executive, and Executive
            ----------
hereby  accepts employment, as Senior Vice President and Chief Financial Officer
of the Company and in such capacity Executive will report to the President & CEO
and  will perform such customary managerial services and duties as the President
may from time to time designate during the term hereof which are consistent with
duties  customarily  required  of  senior  officers  of  financial institutions.
Executive  will  devote  her  full  business time, attention and energies to the
diligent performance of her duties as an employee of the Company. Executive will
not,  without  the prior written consent of the Company, directly or indirectly,
at  any  time  during  the  term  of her employment with the Company: (a) accept
employment  with  or  render  services of a business, professional or commercial
nature  to  any  other  business; (b) engage in any venture or activity that the
Company  may  in  good  faith  consider to be competitive with or adverse to the
business  of  the  Company,  whether  alone,  as  a  partner,  or as an officer,
director, employee or shareholder or otherwise except for passive investments in
publicly  traded  companies;  or  (c) engage in any venture or activity that the
Company may in good faith consider to interfere with  Executive's performance of
her  duties  hereunder.

     2.     TERM.  Executive's  employment  is  for  an  initial  term ending on
            ----
December  31,  2006.  When  the  initial  term  expires,  this Agreement will be
automatically renewed for successive one-year terms, unless sooner terminated in
accordance  with  SECTION  4.

     3.     SALARY  AND  BENEFITS.  As  compensation for Executive's services to
            ---------------------
the  Company  during  the  term  of  this  Agreement,  the  Company will pay the
following  compensation  and  benefits  to  Executive:

          3.1.     ANNUAL SALARY.  The Company will pay to Executive, during the
                   -------------
first  year of this Agreement, an annual salary at the rate of $90,000 per year,
payable  (i)  bi-weekly, (ii) in accordance with the customary payroll policy of
the  Company in effect at the time such payment is made, or (iii) as the Company
and  Executive may otherwise mutually agree.  The annual salary of the Executive
will be reviewed by the Board of Directors of the Company on an annual basis and
will  be annually increased in an amount not less than three percent (3%) of the
Executive's  then-current  annual  salary.  The  first  annual  review  shall be
December  31,  2002.

<PAGE>
          3.2.     VACATION  AND  OTHER BENEFITS.  Executive will be entitled to
                   -----------------------------
(a)  vacation  during  each year of employment by the Company in accordance with
the  policies  of  the Company in effect from time to time, and (b) share in any
employee benefits provided by the Company from time to time on the same basis as
similarly situated employees of the Company, so long as the Company continues to
provide or offer such benefits to such employees, and a car allowance package of
$100  per  month  effective  January  1,  2002.

          3.3.     INCENTIVE BONUS.  Subject to the Company meeting or exceeding
                   ---------------
the  budget  which  shall  be  determined  annually  by  the Board of Directors,
Executive  will  be  entitled to receive a cash bonus equal to 5% of Executive's
annual  salary.  Executive shall be entitled to a $4,000 incentive bonus for the
period  ending  December  31,  2001.

     4.     TERMINATION.
            -----------

          4.1.     TERMINATION  BY  EXECUTIVE.  (a)  Executive may terminate her
                   --------------------------
employment  hereunder  by Notice of Termination (as described in SECTION 6.1) if
(i)  the Company materially breaches this Agreement and such breach is not cured
within  thirty  (30)  days  after  written  notice  of  such  breach is given by
Executive  to  the  Company,  or  (ii)  if  there  is Good Reason.  If Executive
terminates  her employment in accordance with clause (i) or (ii) of this SECTION
4.1(A),  Executive  will  receive:

               (A)  her  then-current  annual  salary (subject to withholding of
                    all  applicable taxes) for a period of three (3) months from
                    her  date  of  termination, provided, however, if there is a
                    Change in Control within such 3-month period, Executive will
                    receive  her  then-current annual salary for a period of one
                    (1)  year  from  her  date  of  termination;  and

               (B)  any  incentive  bonus  amounts that Executive had previously
                    earned  from  the Company for fiscal years that ended before
                    the  date  of  termination,  but  which  may  not  have been
                    declared  or  paid  as of her date of termination. Executive
                    will  also  receive  a  prorated  bonus  for any uncompleted
                    fiscal year at the date of termination (using the assumption
                    that the performance targets have been achieved), based upon
                    the  number of days that she was employed during such fiscal
                    year.

               (b) If Executive terminates her employment other than pursuant to
clauses  (i)  or  (ii)  of  SECTION 4.1(A), the Company's obligations under this
Agreement will cease as of the date of such termination. The Company agrees that
if  Executive  terminates  employment  and  is  entitled  to benefits under this
SECTION  4.1, Executive will not be required to mitigate damages by reducing the
amount  she  is  entitled  to  receive  hereunder  by  earnings  from subsequent
employment.

          4.2.  BY COMPANY. (a) The Company may terminate Executive's employment
                ----------
under  this Agreement at any time during the term of this Agreement by Notice of
Termination

                                      -2-
<PAGE>
(as  described  in SECTION 6.1, provided that no such notice will be required in
the event of death), (i) for Cause, (ii) if Executive becomes Disabled, or (iii)
upon  Executive's  death.

               (b)  If  the Company terminates Executive's employment under this
Agreement pursuant to clauses (i) through (iii) of SECTION 4.2(A), the Company's
obligations  under  this  Agreement  will  cease  as  of  the date of employment
termination;  provided,  however, that if Executive's employment terminates as a
result  of  death  or Disability, any unpaid salary payable under this Agreement
and  any  benefits  payable  under  any  Company  sponsored  benefit  plans upon
Executive's  death  or  Disability  will  be  provided  by  the  Company.

               (c)  If  the Company terminates Executive's employment because it
fails  to  receive its charter or otherwise failed to open the Bank, the Company
agrees  to  compensate  Executive  for  a  period  of  one  year.

     5.     DEFINITIONS.  For  purpose  of  this  Agreement, the following terms
            -----------
have  the  meanings  specified  below:

          5.1.  "BOARD"  OR  "BOARD OF DIRECTORS." The Board of Directors of the
                 -------------------------------
Company.

          5.2.  "CAUSE."  (a)  the  commission  by Executive of an act of fraud,
                 -----
embezzlement,  theft  or proven dishonesty, or any other illegal act or practice
(whether  or  not  resulting  in  criminal  prosecution  or  conviction);

               (b)  any  willful  act  or omission by Executive in the Company's
judgment  that  may  have  a  materially  adverse effect on the Company or is in
reckless  disregard  of  the  interests  of  the  Company;

               (c) the gross neglect by Executive to perform her duties with the
Company  in  accordance with the operating and personnel policies and procedures
of  the Company generally applicable to all employees of the Company (other than
any failure or neglect caused by or resulting from Executive's incapacity due to
physical or mental illness or injury) or willful insubordination to the Board of
Directors  in  the  conduct  of  her  duties  hereunder;  or

               (d) the consistent failure by Executive to perform the duties and
objectives  specified  for Executive from time to time by the Board of Directors
of  the  Company  consistent  with  Section  1  hereof.

          5.3.  "CHANGE IN CONTROL." A "Change in Control" means a change in the
                 -----------------
ownership  or  sale  of  the then-outstanding common stock of the Company by the
shareholders  thereof  or  the  acquisition of the Company by another company or
other entity or by shareholders thereof, (i) through a sale or other acquisition
of all or substantially all of the Company's assets, (ii) through an acquisition
of more than 50% of the then-outstanding common stock of the Company in a single
transaction  or in related transactions, whether or not any of such shareholders
included  in  the more than 50% group were shareholders of the Company before to
the  Change of Control, or (iii) as a result of a merger, consolidation or other
reorganization

                                      -3-
<PAGE>
involving  the  Company,  after which such other company, association, entity or
shareholders  thereof  own  either  directly or indirectly, more than 50% of the
outstanding  common  stock  or  of  the assets of the Company. This shall not be
construed  as  a  change  in  CEO.

          5.4.  "CODE."  The  Internal  Revenue  Code  of  1986,  as  amended.
                 ----

          5.5.  "DISABILITY"  OR "DISABLED." Executive's absence from her duties
                 -------------------------
on a full-time basis for 180 consecutive business days as a result of incapacity
due  to  physical  or  mental  illness  or injury in accordance with the current
personnel  policies  of  the  Company.

          5.6.  "GOOD  REASON."  A "Good Reason" for termination by Executive of
                 ------------
Executive's  employment  means  the  occurrence (without the Executive's express
written consent), within the twenty-four (24) month period following the date of
a Change in Control or during the period commencing on the first date on which a
Threatened  Change  in Control becomes manifest and until it ends, of any one of
the  following acts by the Company, or failure by the Company to act, unless, in
the  case  of any act or failure to act described in paragraph (i), (v), or (vi)
below,  such  act  or failure to act is corrected before the Date of Termination
specified  in  the  Notice  of  Termination  given  in  respect  thereof:

               (i)  the  assignment to Executive of any duties inconsistent with
Executive's  title  and  status  as  set  forth this Agreement, or a substantial
adverse  alteration  in  the nature or status of Executive's responsibilities at
the  Company  from  those  in effect immediately before the Change in Control or
Threatened  Change  in  Control  (other  than  any  such  alteration  primarily
attributable  to  the  fact that the Company may no longer be a public company);

               (ii)  a  reduction  of the Executive's annual salary of more than
5%;

               (iii)  the relocation of Company's principal executive offices to
a  location  outside of Dallas, Georgia, or the Company's requiring Executive to
be  based  anywhere other than the Company's principal executive offices, except
for  required  travel  on  the  Company's  business  to  an extent substantially
consistent  with  Executive's  present  business  travel  obligations;

               (iv)  the failure by the Company, without Executive's consent, to
pay to Executive any portion of Executive's then-current compensation (including
annual  salary  and  annual  bonus);

               (v)  the  failure  by  the  Company  to  continue  in  effect any
compensation  plan in which Executive participates immediately before the Change
in  Control  or  Threatened  Change in Control, which is material to Executive's
total  compensation  unless  an  equitable  arrangement  (embodied in an ongoing
substitute  or alternative plan) has been made with respect to such plan, or the
failure  by  the  Company to continue the Executive's participation in such plan
(or  in  such  substitute  or  alternative  plan) on a basis not materially less
favorable,  both  in  terms  of the amount of benefits provided and the level of
Executive's participation relative to other participants, as existed at the time
of  the  Change  in  Control  or  Threatened  Change  in  Control;

                                      -4-
<PAGE>
               (vi) any purported termination of Executive's employment which is
not  effected pursuant to a Notice of Termination satisfying the requirements of
Section  6.1; for purposes of this Agreement, no such purported termination will
be  effective.

     The  Executive's right to terminate her employment for Good Reason will not
be  affected  by  the  Executive's incapacity due to physical or mental illness,
except  for  a  Disability as defined in Section 5.5.  The Executive's continued
employment  will  not  constitute consent to, or a waiver of rights with respect
to,  any  act  or  failure  to  act  constituting  Good  Reason  hereunder.

          5.7. "PERSON." Any individual, corporation, limited liability company,
                ------
Company,  partnership,  joint  venture, association, joint-stock company, trust,
unincorporated  organization  or  other  entity.

          5.8.  "THREATENED CHANGE IN CONTROL." Any pending tender offer for the
                 ----------------------------
Company's  outstanding shares of common stock, or any pending bona fide offer to
acquire  the  Company by merger or consolidation, or any other pending action or
plan  to  effect  a  Change  in  Control  of  the  Company.

     6.     TERMINATION  PROCEDURES.
            -----------------------

          6.1.  "NOTICE  OF TERMINATION." During the term of this Agreement, any
                 ----------------------
termination  of  Executive's  employment (other than by reason of death) must be
communicated  by written Notice of Termination from one party to the other party
in accordance with SECTION 4.1 or 4.2. For purposes of this Agreement, a "Notice
of  Termination"  means  a  notice  which  indicates  the  specific  termination
provision  in this Agreement relied upon and will set forth in reasonable detail
the  facts  and  circumstances  claimed  to  provide  a basis for termination of
Executive's  employment  under  the  provision  so  indicated.

          6.2. "DATE OF TERMINATION." "Date of Termination," with respect to any
                -------------------
termination  of  Executive's  employment during the term of this Agreement, will
mean  (i)  if Executive's employment is terminated by her death, the date of her
death,  (ii) if Executive's employment is terminated for Disability, thirty (30)
days after Notice of Termination is given (provided that Executive will not have
returned  to  the full-time performance of Executive's duties during such thirty
(30)  day  period),  and  (iii)  if Executive's employment is terminated for any
other  reason,  the  date  specified in the Notice of Termination (which, in the
case  of  a  termination by the Company, will not be less than thirty (30) days,
except  in the case of a termination for Cause and, in the case of a termination
by  the  Executive under clauses (i) or (ii) of SECTION 4.1(A), will not be less
than  thirty  (30)  days  from  the  date  such Notice of Termination is given).

     7.     COVENANTS  OF  EXECUTIVE.  Executive  acknowledges  that  before and
            ------------------------
during  the  term  of this Agreement, the Company has furnished and will furnish
Confidential Information developed by the Company and of continuing value to the
Company,  which  could  be  used  by  Executive on behalf of a competitor of the
Company  to  its  substantial  detriment.  Moreover,  the parties recognize that
during  the  course  of  her  employment with the Company, Executive may develop
important  relationships  with  customers  and  others  having valuable business
relationships  with  the  Company.  In  view  of  the  foregoing,  Executive
acknowledges and agrees that the restrictive covenants

                                      -5-
<PAGE>
contained  in  this  SECTION 7 are reasonably necessary to protect the Company's
legitimate  business  interests  and  goodwill.

          7.1.     COVENANT  AGAINST  DISCLOSURE  OR  USE  OF  CONFIDENTIAL
                   --------------------------------------------------------
INFORMATION.   Executive agrees that she will not, except with the prior written
-----------
approval of the Company, disclose Confidential Information to any person or firm
other  than  the Company, or use Confidential Information for personal financial
gain  within  three (3) years of the expiration or termination of this Agreement
for whatever cause, except that these restrictions will not apply to information
that will become generally known through no fault of Executive, information that
is  disclosed to Executive by a third party that has legitimate and unrestricted
possession  thereof  and  the  unrestricted  right  to  make  such  disclosure,
information  that  Executive  can  demonstrate  was  within  her  legitimate and
unrestricted  possession before her employment by the Company or its predecessor
or  other  information  not  rising to the level of a trade secret after 2 years
from  expiration  or  termination of this Agreement.  "Confidential Information"
means  all  business  records,  trade  secrets,  know-how  concerning marketing,
customer  lists  or  compilations,  financial  information,  personnel  data,
information  contained  in  any documents prepared by or for the Company and its
Executives  at  the  Company's  expense or on the Company's time or otherwise in
furtherance  of  the  Company's business, and made available only to the Company
and  such  of its authorized agents as may be necessary to further the Company's
business, and other confidential information obtained by Executive in the course
of  her employment hereunder.  Executive further agrees to return to the Company
all  of  the  above  business  records and any and all copies of the same in her
control  upon  termination  of  employment  with  the  Company  for  any  reason
whatsoever.

          7.2.  COVENANT  AGAINST POST-TERMINATION COMPETITION. Executive agrees
                ----------------------------------------------
if  her employment hereunder is terminated for any reason she will not, directly
or  indirect-ly, individually or on behalf of any Person other than the Company,
for  a  period  of  twelve  (12)  months  after  such  termination:

          (a)  own,  control,  manage or otherwise participate in the ownership,
control or management of a business engaged in the provision of banking products
and services including commercial and institutional lending and related services
("Banking  Services")  within  any  part  of  the  Territory; except for passive
investments  in  publicly  traded  companies;

          (b)  solicit any Customers for the purpose of selling to them products
or services competitive with the products or services sold by the Company at the
time  of  such  termination;

          (c)  provide  Banking  Services  for or on behalf of any Person (other
than for or on behalf of the Company) which is engaged within the Territory in a
business  similar  to  the  Business;  or

          (d)  solicit or induce, or in any manner attempt to solicit or induce,
any person employed by the Company to leave such employment, whether or not such
employment is pursuant to a written contract with the Company and whether or not
such  employment  is  at  will.

          For  the  purpose  of this Section, "Customers" means all Persons that
(a) Executive serviced or solicited on behalf of the Company, (b) whose dealings
with  the  Company  were  coordinated  or  supervised,  in  whole or in part, by
Executive,  or  (c)  about  whom Executive obtained

                                      -6-
<PAGE>
Confidential  Information,  in  each case during the one-year period immediately
prior  to  any  termination  or  expiration  of  Executive's employment with the
Company.  "Territory"  means the Georgia counties of Paulding, Cobb, and Douglas
if the Company conducts business in that market, which is the territory in which
the  Company  conducts  its  business.

          7.3.     RETURN  OF COMPANY DOCUMENTS AND EQUIPMENT.  Upon termination
                   ------------------------------------------
or  expiration of Executive's employment for any reason, or at any time upon the
Company's  request,  Executive  shall  deliver  to  the Company:  all (a) files,
customer  lists,  price  lists,  management reports, memoranda, research, forms,
financial data and reports, and other documents supplied to or created by her in
connection with her employment hereunder (including all copies of the foregoing)
in  her  possession  or  control; (b) computers, modems, diskettes, instruments,
tools,  devices,  equipment,  videos,  tapes,  drawings, papers, notes and other
materials,  and  any  copies  thereof, in Executive's possession or control that
relate in any way to the business or to Executive's employment with the Company;
and  (c)  other  property  relating  to  the  employment of Executive, including
without  limitation  credit  cards, telephone cards, office keys, desk keys, car
keys  and  security  passes.

          7.4.  SURVIVAL.  Executive's  obligations  under  this  SECTION 7 will
                --------
survive  any  expiration  or  termination  of  this  Agreement.

     8.     MISCELLANEOUS  PROVISIONS.
            -------------------------

          8.1  NOTICES. All notices, demands or other communications required or
               -------
permitted  to  be given hereunder shall be in writing and delivered in person or
sent  (a)  by  pre-paid,  first  class, certified or registered air mail, return
receipt requested, (b) by a national express courier service or (c) by facsimile
transmission  to  the  intended  recipient  thereof, at its address or facsimile
number  below.  Any  such  notice  shall  be  deemed  to  have  been  duly given
immediately  if given by confirmed facsimile, or five (5) days after mailing, or
the  second  business  day after delivery to a national express courier service,
and  in  proving  the  same  it  shall  be  sufficient to show that the envelope
containing  the  notice  was  duly  addressed,  stamped  and posted (or that the
envelope was delivered to the national express courier service), or that receipt
of  a  facsimile  was  confirmed  by  the  recipient.

               To the Company:     J.  Michael  Womble
                                   President  &  CEO
                                   West Metro Financial Services, Inc.
                                   P.O.  Box  705
                                   Dallas,  Georgia  30132

               To  Executive:      Kathy  Hulsey
                                   502  Zion  Church  Road
                                   Dallas,  GA  30157

Either  party  may  change  the  address to which notices, requests, demands and
other  communications  shall  be delivered or mailed by giving notice thereof to
the  other  party  in  the  same  manner  provided  herein.

                                      -7-
<PAGE>
          8.2  PROVISIONS  SEVERABLE.  If any provision or covenant, or any part
               ---------------------
thereof,  of  this  Agreement  is  held  by  any court to be invalid, illegal or
unenforceable,  either  in  whole  or  in  part,  such invalidity, illegality or
unenforceability  will  not  affect the validity, legality or enforce-ability of
the  remaining  provisions or covenants, or any part thereof, of this Agreement,
all  of  which  will  remain  in  full  force  and effect. To the extent legally
permissible,  any  illegal, invalid or unenforceable provision of this Agreement
will be replaced by a valid provision that will implement the commercial purpose
of  the  illegal,  invalid  or  unenforceable  provision.

          8.3 REMEDIES. Executive acknowledges that if she breaches or threatens
              --------
to  breach her covenants and agreements in this Agreement, her actions may cause
irreparable  harm  and  damage  to the Company which could not be compensated in
damages.  Accordingly,  if  Executive  breaches  or  threatens  to  breach  this
Agreement, the Company will be entitled to injunctive relief, in addition to any
other  rights  or  remedies  of  the  Company.

          8.4  WAIVER.  No  failure  of  either  party to insist, in one or more
               ------
instances,  on  performance by the other in strict accordance with the terms and
conditions  of  this  Agreement will be deemed a waiver or relinquishment of any
right granted in this Agreement or of the future performance of any such term or
condition  or  of  any  other  term  or condition of this Agreement, unless such
waiver  is  contained  in  a  writing  signed  by  the  party making the waiver.

          8.5  AMENDMENTS  AND  MODIFICATIONS.  This Agreement may be amended or
               ------------------------------
modified  only  by  a  writing  signed  by  both  parties  hereto.

          8.6  GOVERNING LAW. The validity and effect of this Agreement shall be
               --------------
governed  by and construed and enforced in accordance with the laws of the State
of  Georgia,  without  regard  to  its  principles  of  conflicts  of  law.

                                      -8-
<PAGE>
     IN  WITNESS  WHEREOF,  the  parties hereto have caused this Agreement to be
duly  executed  under  seal  the  day  and  year  first-above  written.

                                      West  Metro  Financial  Services,  Inc.
                                      The First National Bank of West Metro (in
organization)

                                      By:   /s/  J.  Michael  Womble
                                         ---------------------------------------
(COMPANY  SEAL)                       Title:  J. Michael Womble, CEO

                                      EXECUTIVE

                                      /s/  Kathy  Hulsey
                                      ------------------------------------------
                                      Kathy  Hulsey

                                      -9-
<PAGE>

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