Document:

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                                                                   EXHIBIT 10.19

                                    AMENDMENT
                    TO THE EXECUTIVE SUPPLEMENTAL RETIREMENT
                        AGREEMENT DATED OCTOBER 20, 1999

      This Amendment, made and entered into this 1st day of June 2006, by and
between Gwinnett Banking Company, a bank organized and existing under the laws
of the State of Georgia, hereinafter referred to as the "Bank," and John T.
Hopkins, III, an Executive of the Bank, hereinafter referred to as the
"Executive," shall effectively amend the Executive Supplemental Retirement
Agreement dated October 20, 1999, as specifically set forth herein. Said
agreement shall be amended by adding the following new Subparagraph II. G. at
the end of Paragraph II:

      "G.   Minimum Benefit:

            Notwithstanding the foregoing provisions of this Paragraph II, in no
            event shall the annual benefit payable to Executive in any Plan Year
            during the Payment Period (as defined below) be any less than
            $59,189.00 (the `Minimum Benefit'). For this purpose, the `Payment
            Period' shall begin with the Plan Year in which payment to the
            Executive commences under this Paragraph II and shall end with the
            Plan Year in which the Executive dies."

      This Amendment shall be effective on the date hereof. To the extent that
any term, provision, or paragraph of said agreement is not specifically amended
herein, or in any other amendment thereto, said term, provision, or paragraph
shall remain in full force and effect as set forth in said October 20, 1999
Agreement.

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

                                  GWINNETT BANKING COMPANY
                                  Lawrenceville, GA

          /s/ Beth R. Tynan       By:   /s/ Larry D. Key         CEO
------------------------------          ------------------------------------
Witness                                 Title

          /s/ Gail L. Manning           /s/ John T. Hopkins III
------------------------------    ------------------------------------------
Witness                           Executive<PAGE>

                                                                   EXHIBIT 10.20

                        EXECUTIVE SUPPLEMENTAL RETIREMENT

                                    AGREEMENT

     THIS Executive Supplemental Retirement Agreement (this "Executive
Agreement") is made and entered into this 20th day of October, 1999, by and
between Gwinnett Banking Company, a bank organized and existing under the laws
of the State of Georgia (hereinafter referred to as the "Bank"), and Larry Key,
an Executive of the Bank (hereinafter referred to as the "Executive").

                                    RECITALS

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

     In consideration of the valuable services rendered and to be rendered by
the Executive, the Board has deemed it advisable and in the best interest of the
Bank to provide supplemental retirement benefits and certain death benefits to
the Executive in accordance with the terms and provisions of this Executive
Agreement as an inducement to the Executive to continue in the employment of the
Bank and to provide the Executive with greater security and peace of mind.

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

I.   DEFINITIONS

     As used in this Executive Agreement, including this Paragraph I, the
     following definitions shall be applicable:

     A.   Effective Date:

          The "Effective Date" of this Executive Agreement shall be October 20,
          1999.

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     B.   Plan Year:

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

     C.   Retirement Date:

          "Retirement Date" shall mean retirement of the Executive from service
          with the Bank which becomes effective on the first day of the calendar
          month following the month in which the Executive reaches his Normal
          Retirement Age [Subparagraph I K] or such later date as the Executive
          may actually retire.

     D.   Early Retirement Date:

          "Early Retirement Date" shall mean retirement of the Executive from
          service with the Bank which is effective prior to his Normal
          Retirement Age, provided the Executive has attained at least age
          sixty-two (62). "Early Retirement Age" shall mean the date on which
          the Executive attains age sixty-two (62).

     E.   Termination of Service:

          "Termination of Service" shall mean the voluntary resignation of
          service with the Bank by the Executive before his Early Retirement Age
          or the Bank's discharge of the Executive without cause prior to his
          Normal Retirement Age.

     F.   Pre-Retirement Account:

          An unfunded, separate bookkeeping account (hereinafter referred to as
          the "Pre-Retirement Account") established as a liability reserve
          account on the books of the Bank for the benefit of the Executive.
          Subject to Subparagraph I F (i) hereinbelow and except as otherwise
          provided in this Executive Agreement, such liability reserve account
          shall be increased or decreased each Plan Year until the Executive's
          Retirement Date [Subparagraph I C] (or when applicable, Normal
          Retirement Age or Early Retirement Date) by the Index Retirement
          Benefit [Subparagraph I G].

          (i) If the Executive voluntarily resigns from service with the Bank
          WITHIN the twelve-month period next following a Change of Control and
          such resignation also occurs prior to his Early Retirement Age, his
          Pre-Retirement Account shall not be increased or decreased with
          respect to any Plan Year that begins after the Plan Year in which such
          resignation

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          occurs. With respect to the Plan Year in which such resignation
          occurs, his Pre-Retirement Account shall be increased or decreased as
          of the date of his resignation by the Index Retirement Benefit
          determined as of such resignation date. The Opportunity Cost component
          of the Index Retirement Benefit shall be determined as of his
          resignation date. If the Executive voluntarily resigns from service
          with the Bank AFTER the expiration of the one year period next
          following a Change of Control and such resignation also occurs prior
          to his Early Retirement Age, his Pre-Retirement Account shall continue
          to be increased or decreased each Plan Year in the manner set forth in
          the first paragraph of this Subparagraph I F.

          An illustration of the calculation of the Pre-Retirement Account
          liability balance as set forth herein is attached hereto and marked as
          Exhibit "A". The numbers referred to in said Exhibit A are not actual
          nor representative of any Pre-Retirement Account liability balance
          that may be actually calculated per this Executive Agreement. Exhibit
          A is attached hereto merely for illustrative purposes only and the
          Bank does not make any promises or other representations regarding any
          said amounts set forth therein.

     G.   Index Retirement Benefit:

          The "Index Retirement Benefit" for the Executive for each Plan Year
          shall be equal to the excess (if any) of the Index [Subparagraph I H]
          for that Plan Year over the Opportunity Cost [Subparagraph I I] for
          that Plan Year, divided by a factor equal to 1.03 minus the Bank's
          marginal tax rate for the Plan Year. The Bank's marginal tax rate
          shall be determined annually by the Bank's certified public accounting
          firm and shall be binding on the Bank and the Executive.

          An illustration of the calculation of the Index Retirement Benefit as
          set forth herein is attached hereto and marked as Exhibit "A". The
          numbers referred to in said Exhibit A are not actual nor
          representative of any Index Retirement Benefit that may be actually
          calculated per this Executive Agreement. Exhibit A is attached hereto
          merely for illustrative purposes only and the Bank does not make any
          promises or other representations regarding any said amounts set forth
          therein.

     H.   Index:

          The Index for any Plan Year shall be the aggregate annual after-tax
          income from the life insurance contract(s) described hereinafter as
          defined by FASB Technical Bulletin 85-4. This Index shall be applied
          as if such insurance contract(s) were purchased on the Effective Date
          of this Executive Agreement.

                                       3

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          Insurance Company:          Alexander Hamilton
          Policy Form:                Flexible Premium Adjustable Life
          Policy Name:                Executive Security Plan IV
          Insured's Age and Sex:      54, Male
          Riders:                     None
          Ratings:                    According to the health of the insured
          Option:                     Level Death Benefit
          Face Amount:                $874,000
          Premiums Paid:              $131,500
          Number of Premium Payments: 3
          Assumed Purchase Date:      October 20, 1999

          Insurance Company:          Union Central
          Policy Form:                Universal Life Insurance
          Policy Name:                COLI UL
          Insured's Age and Sex:      54, Male
          Riders:                     None
          Ratings:                    According to the health of the insured
          Option:                     Level Death Benefit
          Face Amount:                $1,038,200
          Premiums Paid:              $131,500
          Number of Premium Payments: 3
          Assumed Purchase Date:      October 20, 1999

          If such contracts of life insurance are actually purchased by the
          Bank, then the actual policies as of the dates they were actually
          purchased shall be used in calculations under this Executive
          Agreement. If such contracts of life insurance are not purchased or
          are subsequently surrendered or lapsed, then the Bank shall utilize
          for purposes of this Executive Agreement annual policy illustrations
          that assume the above-described policies were purchased or had not
          subsequently surrendered or lapsed, which illustrations will be
          obtained from the respective insurance companies and will indicate the
          increase in policy values for purposes of calculating the amount of
          the Index.

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

          An illustration of the calculation of the Index as set forth herein is
          attached hereto and marked as Exhibit "A". The numbers referred to in
          said Exhibit A are not actual nor representative of any Index that may
          be

                                       4

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          actually calculated per this Executive Agreement. Exhibit A is
          attached hereto merely for illustrative purposes only and the Bank
          does not make any promises or other representations regarding any said
          amounts set forth therein.

     I.   Opportunity Cost:

          The "Opportunity Cost" for any Plan Year shall be calculated by taking
          the sum of the amount of premiums for the life insurance policies
          described in the definition of "Index" plus the amount of any
          after-tax benefits paid to the Executive pursuant to this Executive
          Agreement (Paragraph II hereinafter) plus the amount of all previous
          years after-tax Opportunity Costs, and multiplying that sum by the
          average annualized after-tax yield of a one-year Treasury Bill. The
          "average annualized after-tax yield of a one-year Treasury Bill" means
          (i) the sum of each of the twelve after-tax yields of a one-year
          Treasury Bill as published by the Federal Reserve as of the first day
          of each month within the Plan Year divided by twelve (ii) multiplied
          by one minus the Bank's marginal tax rate for the Plan Year.

          An illustration of the calculation of the Opportunity Cost as set
          forth herein is attached hereto and marked as Exhibit "A". The numbers
          referred to in said Exhibit A are not actual nor representative of any
          Opportunity Cost that may be actually calculated per this Executive
          Agreement. Exhibit A is attached hereto merely for illustrative
          purposes only and the Bank does not make any promises or other
          representations regarding any said amounts set forth therein.

     J.   Change of Control:

          "Change of Control" shall be deemed to have occurred upon the
          cumulative transfer of more than twenty-five percent (25%) of the
          voting stock of the Bank from and after the Effective Date of this
          Executive Agreement. For purposes of this Executive Agreement,
          transfers of the voting stock of the Bank on account of deaths or
          gifts, transfers between family members or transfers to a qualified
          retirement plan maintained by the Bank shall not be considered in
          determining whether there has been a Change of Control.

     K.   Normal Retirement Age:

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

                                       5

<PAGE>

II.  INDEX BENEFITS

     A.   Retirement Benefits:

          Subject to Subparagraph II E hereinafter, if the Executive remains an
          employee of the Bank until his Normal Retirement Age he shall be
          entitled to receive the balance in his Pre-Retirement Account in ten
          (10) equal annual installments. The first installment shall commence
          within the thirty (30) day period next following his Retirement Date.
          The Executive shall have the option, said option to be exercised in
          writing at least one (1) year prior to said retirement, to receive the
          benefits provided herein in a lump sum or in five (5) equal annual
          installments. If the Executive fails to exercise said option, then the
          Executive shall receive the payments in ten (10) equal annual
          installments as provided herein. In addition to these benefit payments
          and commencing in conjunction therewith, the Index Retirement Benefit
          [Subparagraph I G] for each Plan Year subsequent to the Executive's
          retirement, and including the remaining portion of the Plan Year
          following said retirement, shall be paid to the Executive in a lump
          sum as of the beginning of each Plan Year until the Executive's death.

     B.   Early Retirement:

          Subject to Subparagraph II E, should the Executive elect Early
          Retirement or be discharged without cause by the Bank subsequent to
          his Early Retirement Age [Subparagraph I D], the Executive shall be
          entitled to receive the balance in his Pre-Retirement Account in ten
          (10) equal annual installments. The first installment shall commence
          within the thirty (30) day period next following his Early Retirement
          Date [Subparagraph I (D)]. The Executive shall have the option, said
          option to be exercised at least one (1) year prior to said early
          retirement, to receive the benefits provided herein in a lump sum or
          five (5) equal annual installments. If the Executive fails to exercise
          said option, then the Executive shall receive the payments in ten (10)
          equal annual installments as provided herein. In addition to these
          payments and commencing in conjunction therewith, the Index Retirement
          Benefit for each Plan Year subsequent to the year in which the
          Executive retires early, and including the remaining portion of the
          Plan Year in which the Executive retires early, shall be paid to the
          Executive in a lump sum as of the beginning of the Plan Year until the
          Executive's death.

     C.   Termination of Service:

          Subject to paragraph II E, upon a Termination of Service, the
          Executive shall be entitled to receive the vested percentage of the
          balance in his Pre-Retirement Account. The Executive shall be vested
          in a percentage of the

                                       6

<PAGE>

          balance of such Pre-Retirement Account, depending on the number of his
          years of service with the Bank at the time of his Termination of
          Service, as follows:

<TABLE>
<CAPTION>
Number of years of Service   Vested Percentage
--------------------------   -----------------
<S>                          <C>
Fewer than 1                          0%
1                                    20%
2                                    40%
3                                    60%
4                                    80%
5 or more                           100%
</TABLE>

          In any event, the Executive shall be 100% vested in his Pre-Retirement
          Account upon attaining his Early Retirement Age, terminating service
          as a result of disability, his discharge by the Bank without cause
          following a Change of Control, or his death while in service,
          regardless of the number of his years of service.

          A "year of service" with respect to the Executive means each twelve
          consecutive month period commencing with his initial date of hire or
          with any anniversary thereof during which he was a full-time employee
          of the Bank. Except as otherwise provided in Subparagraph I F(i), the
          Executive's Pre-Retirement Account shall be increased or decreased
          each Plan Year until his Normal Retirement Age.

          The vested balance of his Pre-Retirement Account shall be payable to
          the Executive in ten (10) equal annual installments. The first
          installment shall commence within the thirty (30) day period next
          following his Normal Retirement Age [Subparagraph I K]. The Executive
          shall have the option, said option to be exercised in writing at least
          one (1) year prior to the Executive's Normal Retirement Age, to
          receive the benefits provided herein in a lump sum or five (5) equal
          annual installments. If the Executive fails to exercise said option,
          then the Executive shall receive the payments in ten (10) equal annual
          installments as provided herein. In addition to these benefit payments
          and commencing in conjunction therewith, the Executive shall be
          entitled to receive the vested percentage (as determined in accordance
          with the vesting schedule above) of the Index Retirement Benefit for
          each Plan Year subsequent to the year in which the Executive attains
          his Normal Retirement Age, and including the remaining portion of the
          Plan Year in which the Executive attains Normal Retirement Age, shall
          be paid to the Executive in a lump sum as of the beginning of each
          Plan Year until the Executive's death.

                                       7

<PAGE>

     D.   Death:

          Should the Executive die while there is a balance in the Executive's
          Pre-Retirement Account (regardless of whether the Executive is then in
          service), the entire unpaid balance of the Executive's vested
          Pre-Retirement Account shall be paid in a lump sum to the beneficiary
          or beneficiaries the Executive may have designated in writing on a
          form approved by the Bank and filed with the Bank. In the absence of
          any effective designation of beneficiary(ies), the unpaid vested
          balance shall be paid as set forth herein to the duly qualified
          executor or administrator of the Executive's estate. Said payment due
          hereunder shall be made on the first day of the second month following
          the month in which the death of the Executive occurred. Provided,
          however, that anything hereinabove to the contrary notwithstanding, no
          death benefit shall be payable hereunder if the Executive dies on or
          before the 20th day of October, 2001. Except as provided in this
          paragraph D, no death benefit is provided under this Executive
          Agreement.

     E.   Discharge for Cause:

          Should the Executive be discharged for "Cause" at any time, all
          benefits under this Executive Agreement shall be forfeited and no
          payments shall be made to the Executive under this Executive
          Agreement. The term for "cause" shall mean any of the following that
          result in an adverse effect on the Bank: (i) gross negligence or gross
          neglect of the Executive; or (ii) the commission by the Executive of a
          felony or gross misdemeanor involving moral turpitude, fraud, or
          dishonesty. If a dispute arises as to discharge for "cause", such
          dispute shall be resolved by arbitration as set forth in Subparagraph
          VI B of this Executive Agreement.

     F.   Disability Benefit:

          In the event the Executive becomes disabled prior to any Termination
          of Service, and the Executive's employment is terminated because of
          such disability, he shall begin receiving the balance in his
          Pre-Retirement Account as soon as practical following his termination
          in accordance with the payment provisions described in Subparagraph II
          A above. Such benefit shall begin without regard to the Executive's
          Normal Retirement Age and the Executive shall be one hundred percent
          (100%) vested in his entire Pre-Retirement Account. In addition to
          these benefit payments and commencing in conjunction therewith, the
          Index Retirement Benefit [Subparagraph I G] for each Plan Year
          subsequent to the Executive's termination of service as a result of
          disability, and including the remaining portion of the Plan Year
          following said termination, shall be paid to the Executive in a lump
          sum as of the beginning of each Plan Year until the Executive's death.

                                       8

<PAGE>

          Disability shall be as defined in the Bank's Long Term Disability
          policy in effect at the time of the determination of said disability.

III. RESTRICTIONS UPON FUNDING

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

     The Bank reserves the absolute right, at its sole discretion, to either
     fund the obligations undertaken by this Executive Agreement or to refrain
     from funding the same and to determine the extent, nature and method of
     such funding. Should the Bank elect to fund this Executive Agreement, in
     whole or in part, through the purchase of life insurance, mutual funds,
     disability policies or annuities, the Bank reserves the absolute right, in
     its sole discretion, to terminate such funding at any time, in whole or in
     part. At no time shall the Executive be deemed to have any lien nor right,
     title or interest in or to any specific funding investment or to any assets
     of the Bank.

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

IV.  CHANGE OF CONTROL

     If the Executive is discharged by the Bank, without cause following a
     Change of Control, then the Executive shall be entitled to receive the
     benefits promised in this Executive Agreement upon attaining his Normal
     Retirement Age (or as of his Early Retirement Date, if such discharge
     occurs after his Early Retirement Age), as if the Executive had been
     continuously employed by the Bank until the Executive's Normal Retirement
     Age (or, if applicable, his Early Retirement Age). If the Executive
     voluntarily resigns from service with the Bank on or after the expiration
     of the twelve (12) month period next following said Change of Control and
     prior to his Early Retirement Age, then the Executive shall receive one
     hundred percent (100%) of the benefits promised in this Executive Agreement
     as set forth in Subparagraph II A upon attaining his Normal Retirement Age,
     as if the Executive had been continuously employed by the Bank until the
     Executive's Normal Retirement Age. The Executive will also remain eligible
     for all promised death benefits in this Executive Agreement. See
     Subparagraph I F (i) for certain

                                       9

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     consequences that apply if the Executive voluntarily resigns from service
     with the Bank within the twelve-month period next following a Change of
     Control.

V.   MISCELLANEOUS

     A.   Alienability and Assignment Prohibition:

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

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

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

     C.   Amendment or Revocation:

          It is agreed by and between the parties hereto that, during the
          lifetime of the Executive, this Executive Agreement may be amended or
          revoked at any time or times, in whole or in part, but only by the
          mutual written consent of the Executive and the Bank. Any amendment or
          revocation that is not in writing and not agreed to by both parties
          hereto shall be null and void.

     D.   Gender:

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

                                       10

<PAGE>

     E.   Effect on Other Bank Benefit Plans:

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

     F.   Headings:

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

     G.   Applicable Law:

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

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

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

     I.   Partial Invalidity:

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

     J.   Employment:

          No provision of this Executive Agreement shall be deemed to restrict
          or limit any existing employment agreement by and between the Bank and
          the Executive, nor shall any conditions herein create specific
          employment rights to the Executive nor limit the right of the Bank to
          discharge the Executive with or without cause. In a similar fashion,
          no provision shall limit the Executive's rights to voluntarily sever
          the Executive's employment at any time.

                                       11

<PAGE>

     K.   Exhibit A:

          An illustration of the calculation of certain components of the Index
          Retirement Benefit set forth in this Executive Agreement is attached
          hereto and marked as Exhibit "A". The numbers referred to in said
          Exhibit A are not actual nor representative of any amounts that may be
          actually calculated per this Executive Agreement. Exhibit A is
          attached hereto merely for illustrative purposes only and the Bank
          does not make any promises or other representations regarding any said
          amounts set forth therein.

     L.   Notices:

          The Executive and each beneficiary of the Executive shall be
          responsible for furnishing the Bank with his current address for the
          mailing of notices, reports, and benefit payments. Any notice required
          or permitted to be given to the Executive or beneficiary shall be
          deemed given if directed to such address and mailed by regular United
          States mail, first class, postage prepaid. If any check mailed to such
          address is returned as undeliverable to the addressee, mailing of
          checks will be suspended until the Executive or beneficiary furnishes
          the proper address.

     M.   Lost Distributees:

          A benefit shall be deemed forfeited if the Bank is unable after a
          reasonable period of time to locate the Executive or beneficiary to
          whom payment is due; provided, however that such benefit shall be
          reinstated if a valid claim is made by or on behalf of the Executive
          or beneficiary for the forfeited benefit.

     N.   Reliance on Data:

          The Bank shall have the right to rely on any data provided by the
          Executive or by any beneficiary. Representations of such data shall be
          binding upon any party seeking to claim a benefit through the
          Executive, and the Bank shall have no obligation to inquire into the
          accuracy of any representation made at any time by the Executive or
          beneficiary.

     O.   Receipt and Release for Payments:

          Any payment made to or with respect to the Executive or beneficiary
          under this Executive Agreement, or pursuant to a disclaimer by a
          beneficiary, shall, to the extent thereof, be in full satisfaction of
          all claims hereunder against the Bank. The recipient of any payment
          from this Executive Agreement may be required by the Bank, as a
          condition precedent to such payment, to execute a receipt and release
          with respect thereto in such form as shall be acceptable to the Bank.

                                       12

<PAGE>

     P.   Withholding Taxes:

          The Bank may satisfy all federal, state, and local withholding tax
          requirements prior to making any benefit payment under this Executive
          Agreement to the Executive or beneficiary. Payments made under this
          Executive Agreement shall be net of any amounts sufficient to satisfy
          all federal, state, and local withholding tax requirements.

VI.  ADMINISTRATION AND CLAIMS PROCEDURE

     A.   Administration by the Bank:

          The Bank shall be responsible for the management, control and
          administration of this Executive Agreement. The Bank may delegate to
          others certain aspects of the management and operation
          responsibilities of this Executive Agreement including the employment
          of advisors and the delegation of ministerial duties to qualified
          individuals.

     B.   Claims Procedure and Arbitration:

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

          If a claimant desires a second review, the claimant shall notify the
          Bank in writing within sixty (60) days of the first claim denial. The
          claimant may review this Executive Agreement or any documents relating
          thereto and submit any written issues and comments the claimant may
          feel appropriate. In its sole discretion, the Bank shall then review
          the second claim and provide a written decision within sixty (60) days
          of receipt of such claim. This decision shall likewise state the
          specific reasons for the decision and shall include reference to
          specific provisions of the Executive Agreement upon which the decision
          is based.

                                       13

<PAGE>

          If the claimant continues to dispute the benefit denial based upon
          completed performance of this Executive Agreement or the meaning and
          effect of the terms and conditions thereof, then the claimant may
          submit the dispute to an Arbitrator for final arbitration. The
          Arbitrator shall be selected by mutual agreement of the Bank and the
          claimant. The Arbitrator shall operate under any generally recognized
          set of arbitration rules. The parties hereto agree that they and their
          heirs, personal representatives, successors and assigns shall be bound
          by the decision of such Arbitrator with respect to any controversy
          properly submitted to it.

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

     IN WITNESS WHEREOF, the parties hereto acknowledge that each has carefully
read this Executive Agreement and executed the original thereof on the 20th day
of October, 1999, and that, upon execution, each has received a conforming copy.

                             GWINNETT BANKING COMPANY
                             Lawrenceville, Georgia

<TABLE>
<S>                          <C>                            <C>

/s/ Darrell Sumner           By: /s/ John T. Hopkins III    EVP/CFO
--------------------------       ------------------------   Title
Witness

/s/ Darrell Sumner           /s/ Larry D. Key
--------------------------   ----------------------------
Witness                      Larry Key
</TABLE>

                                       14

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