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                                                                  EXHIBIT 10.21

[CSI LOGO]

DATA PROCESSING AGREEMENT

         This is a Data Processing Agreement made and entered into as of this
10th day of March, 2001, by and between COMPUTER SERVICES, INC., a Kentucky
corporation, which has its principal place of business at 3901 Technology Drive,
Paducah, Kentucky 42001-5201 ("CSI"), and SOUTHERN COMMUNITY BANK, which has its
principal place of business at 250 North Orange Avenue, Orlando, Florida 32801
(the "Customer").

                                    RECITALS

A.       CSI is engaged in the business of providing data processing services
to, and operating data processing systems for, depository financial
institutions.

B.       The Customer is a depository financial institution which desires that
CSI provide data processing services to it and operate a data processing system
for it.

In consideration of the mutual promises exchanged, the parties agree as follows:

                                   ARTICLE I
                                  DEFINITIONS

1.1      "Agreement," unless the context otherwise requires, means this Data
Processing Agreement and all Supplemental Agreements relating to data processing
entered into between CSI and the Customer from time to time.

1.2      "CRC" means CSI's Customer Resource Center described in section 2.6 of
this Agreement.

1.3      "CRT" means a cathode ray tube display computer terminal connected
through a telecommunications network with CSI's data processing system.

1.4      "Customer," unless the context otherwise requires, means the party
other than CSI executing this Agreement and also includes the Customer's
officers, employees, agents, representatives, or other persons or companies who
are in any manner employed by or affiliated with the Customer.

1.5      "Customer Service Representative" means a full-time employee of CSI to
whom CSI assigns the responsibilities described in section 2.7 of this
Agreement.

1.6      "DP Coordinator" means one or more full-time employee(s) of the
Customer to whom the Customer assigns the responsibilities described in section
2.7 of this Agreement.

1.7      "Supplemental Agreements" means any and all of a series of Supplemental
Data Processing Agreements so denominated entered into between the parties, from
time to time, which govern particular aspects of the relationship between CSI
and the Customer in regard to data processing and related services.

1.8      "Transaction Data" means that data which is necessary and incidental to
the services which CSI agrees to provide as more particularly set forth in
specific Supplemental Agreements.

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1.9      "Validate," "validated," "validating" and "validation" shall mean the
process by which the Customer confirms the validity of, to test and prove, and
to indicate the Customer's satisfaction with: (i) the sufficiency of selected
data processing option parameters and modifications thereof; and (ii) each day's
processing including without limitation all calculations.

                                   ARTICLE II
                            DATA PROCESSING SERVICES

2.1      SERVICES. CSI agrees to provide the data processing services to the
Customer which are specifically described in, and subject to, the terms and
conditions of the Supplemental Agreements.

2.2      EQUIPMENT. CSI will acquire and utilize the computer hardware,
software, systems and procedures, including appropriate backup protection,
necessary to provide to the Customer the data processing services.

2.3      SYSTEM CONVERSION. The Customer will fully cooperate with CSI in
converting the Customer's data processing applications as described in the
Supplemental Agreements. The Customer agrees to use its best efforts to enable
CSI to complete conversion of all applications as soon as is reasonably
practicable.

2.4      TRAINING. CSI will provide to the Customer CSI's standard training
program for the purpose of training the Customer's personnel in the proper use
of CSI's procedures, systems and reports. The Customer will provide competent
personnel for the training and will cooperate with CSI in scheduling the
training in conjunction with the Customer's conversion to CSI's data processing
system. If requested by the Customer, any training in addition to that provided
by CSI's standard training program will be provided at CSI's standard rates for
additional training then in effect.

2.5      CUSTOMER SELECTED OPTIONS. CSI will make available to the Customer a
selection of option parameters relating to bank control records. The Customer
acknowledges that some of these options can be modified through a CRT from the
Customer's location by the Customer and other options can only be modified by
CSI in the CRC. The Customer is responsible for making the selection among the
available option parameters or modifications thereof. The Customer is
responsible for designating the Customer's personnel authorized to select the
options or make modifications thereof. When option modifications are made, the
Customer is responsible for validating, on the earlier of the first processing
day or first processing cycle in which the selected modification is able to be
validated, that the options or modifications thereof perform as desired.

2.6      CUSTOMER RESOURCE CENTER. CSI will provide a Customer Resource Center
staffed by CSI's personnel to provide service assistance to the Customer seven
(7) days a week, twenty-four (24) hours a day. As of the date of this Agreement,
the CRC is manned from 7:00 a.m. to 5:00 p.m. Central Time, Monday through
Friday, and from 8:00 a.m. until 11:30 a.m. Central Time on Saturday. After
regular scheduled hours CSI will have a representative on-call to provide
assistance as needed. CSI reserves the right to change the CRC schedule from
time to time, but will give prompt notice to the Customer of any change. The CRC
can be accessed by the Customer via the use of CSI's electronic mail system
through CRTs or by telephone. Electronic mail service is available as of the
date of this Agreement until 5:00 p.m. Central Time, Monday through Friday, and
the regular operating hours on Saturday.

2.7       ACCOUNT PLANNING RELATIONSHIP. CSI will designate a Customer Service
Representative who will be responsible for coordinating planning of the service
usage by the Customer; coordinating training of the Customer's personnel;
periodic review of contacts with the CRC; and the overall responsibility for
satisfaction and efficiency of use of CSI's services by the Customer. The
Customer will designate a DP Coordinator who shall have the same
responsibilities as outlined above for CSI's Customer Service Representative on
behalf of the Customer. The DP Coordinator shall also be responsible for
ensuring the timely validation of results of processing and coordinating the
Customer's activities which involve contact with the CRC.

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                                   ARTICLE III
                                      TERM

3.1      ORIGINAL TERM. This Agreement shall be effective as of the date first
above written, but any reference in this Agreement to the term during which
actual data processing services (in contradistinction to services in connection
with system(s) conversion) are to be provided hereunder shall mean a term of
five (5) years commencing (i) for a new Customer, on the first day of the
calendar month immediately following the month in which the Customer's demand
deposit system is actually converted to CSI's data processing system; or (ii) if
the Customer's demand deposit system has already been converted to CSI's data
processing system, on the date first above written.

3.2      RENEWAL TERM. The term of this Agreement shall be automatically
renewed, without notice, for a new period of the same length in time as the
original period specified in section 3.1 following the expiration of each
preceding term, and shall continue to be renewed automatically until this
Agreement is terminated as provided in this paragraph. By written notice to the
other party at its address as stated above, given at least one hundred eighty
(180) days prior to the last day of the then existing term, either party may
terminate this Agreement at the expiration of the original term or any renewal
term, as the case may be. If proper written notice of termination is given, this
Agreement shall then terminate on the last day of the then existing term.

3.3      EXTENDED TERM. If the Customer gives the notice contemplated in section
3.2, but nonetheless requests that CSI continue to provide data processing
services, CSI may, at its option, upon the expiration of the term continue to
provide such services on a month-to-month basis. The month-to-month agreement
for continuing services may be terminated by either party upon thirty (30) day's
advance written notice. During the month-to-month agreement period, the data
processing services will be provided subject to the terms and provisions of this
Agreement, including the Supplemental Agreements, except for charges for
services, which may be changed by CSI from time to time and which shall be at
CSI's then current charge for month-to-month services.

                                   ARTICLE IV
                              CHARGES FOR SERVICES

4.1      SERVICE CHARGE. The Customer agrees to pay to CSI the charges as
specified in the Supplemental Agreement(s) attached hereto, less a five percent
(5%) discount on processing services (does not include non-processing services
or products such as phone line charges, supplies, equipment, software for
operation on customer's equipment, consulting services separately agreed to,
etc.). The charges for the data processing services shall remain in effect for
the first year of this Agreement. Thereafter, CSI shall have the right to
increase charges once each year. CSI agrees that such increase(s) will not
exceed the increases in the Consumer Price Index (CPI). As used herein, the term
Consumer Price Index means the Consumer Price Index published by the United
States Department of Labor, Bureau of Labor Statistics, urban consumers, all
cities average, 1982 - 1984 = 100. These adjustments may be cumulative. In any
event, prices will not be raised greater than the CSI then current standard
prices applicable to all CSI customers. CSI has the right to implement any such
increase upon thirty (30) day's advance written notice to the Customer.

4.2      OTHER CHARGES. There shall be added, at the option of CSI, to the
charges under this Agreement amounts equal to any taxes, however designated,
levied, or based, on such charges, or on this Agreement, including state and
local sales, privilege or excise taxes based on gross revenue, and any taxes or
amount in lieu thereof paid or payable by CSI in respect of the foregoing,
exclusive, however, of taxes based on CSI's net income. Additionally, any
services performed by CSI for the Customer which are not specifically
established by this Agreement, including any Supplemental Agreements, shall be
billed to the Customer at CSI's standard time and materials rates as may be in
effect at the time the services are performed.

4.3      LATE CHARGES. The Customer shall pay all charges to CSI within ten (10)
days from the date of CSI's invoice. Any charges not paid within ten (10) days
of the invoice will bear interest at the rate of one and one-half percent
(1 1/2%) per month (or fraction thereof).

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                                    ARTICLE V
                            CUSTOMER'S INPUT-DELIVERY

5.1      TRANSACTION DATA-QUALITY. The Customer agrees to timely prepare and
transmit or deliver Transaction Data to CSI in accordance with the terms and
provisions of this Agreement. The Transaction Data will be in accordance with
the uniform format and procedures specified from time to time by CSI. The
Customer understands, acknowledges and agrees that the quality of processing
services received is affected by the quality of the Transaction Data, and
therefore, further understands, acknowledges and agrees that the responsibility
for the quality of the Transaction Data submitted by the Customer to CSI or
received by CSI from a third party, including but not limited to Federal Reserve
or automated clearinghouse transactions, rests with the Customer. The Customer
will maintain edit, verification and procedural check points sufficient to
determine the accuracy of all Transaction Data transmitted or delivered.

5.2      DATA BACKUP. The Customer will be solely responsible for providing and
maintaining adequate source Transaction Data backup and/or retention to allow
subsequent reconstruction of Transaction Data. The backup will be retained by
the Customer until the Customer is satisfied the source Transaction Data would
no longer be useful in the reconstruction of Transaction Data.

5.3      DELIVERY. The Customer is responsible for the cost to deliver
Transaction Data (by common carrier, courier service, electronic transmission,
or otherwise) from the Customer's office to CSI and to deliver the data and
results from CSI to the Customer's office or other location designated by the
Customer. Unless expressly governed by a Supplemental Agreement, all risk of
loss or damage to the Transaction Data of the Customer or data and results from
CSI during delivery shall be at the exclusive risk of the Customer; provided,
however, that any courier service delivery initiated by CSI's personnel shall be
at the risk of CSI unless expressly governed by a Supplemental Agreement.

                                   ARTICLE VI
                        CONFIDENTIALITY-SYSTEM OWNERSHIP

6.1      PROTECTION OF MATERIALS OF CSI-OWNERSHIP. The Customer understands,
acknowledges and agrees that the computer programs, system and design
specifications, documentation, forms and other system materials used by CSI to
provide the services are trade secrets of CSI and any disclosure thereof to
third parties will result in substantial monetary loss and irreparable damage to
CSI. The Customer agrees not to disclose such trade secrets to any third party,
nor to make any use of them not contemplated by this Agreement, and to treat the
same confidentially and to safeguard them. All user manuals, computer tapes,
disks, programs, specifications and enhancements developed in connection with
the services are and shall remain at all times during and after the term of this
Agreement the exclusive property of CSI.

6.2      PROTECTION OF CUSTOMER DATA. CSI agrees not to disclose Transaction
Data to any third party, nor to make any use of them not contemplated by this
Agreement, and to treat the same confidentially and to safeguard them. (All
Transaction Data utilized in connection with the services are and shall remain
at all times during and after the term of this Agreement the exclusive property
of Customer.)

                                   ARTICLE VII
                            SOLICITATION OF EMPLOYEES

The parties agree that neither party, nor any affiliated person or entity of
either party, shall, without the written consent of the other party, solicit for
employment, or employ, any person who was an employee of the other party during
the term of this Agreement. This restriction shall apply during the term, and
for a period of one hundred eighty (180) days after the termination, of this
Agreement.

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                                  ARTICLE VIII
                              AUDITS AND DISCLOSURE

8.1      REGULATION AND EXAMINATION BY GOVERNMENT. If the services performed
pursuant to this Agreement by CSI are subject to the regulations and
examinations of any governmental agencies having supervisory jurisdiction over
the Customer, CSI acknowledges and agrees to be so subject to the same extent as
if such services and functions were being performed solely by the Customer on
its own premises.

8.2      THIRD PARTY AUDITOR'S REVIEW. CSI will cause to be performed on an
annual basis a "Third Parry Auditor's Review" by a firm of independent certified
public accountants. This Third Party Auditor's Review and the report thereon
shall include as a minimum the following items: a description of backup and
record protection procedures; a summary of processing priorities; and a summary
of insurance coverage including errors and omissions. A copy of the auditor's
report shall be furnished to the Customer and/or any auditor designated by the
Customer. After examination of the report, if the Customer or its auditors have
need of additional information or desire to perform any additional auditing
procedure, CSI will permit, within a reasonable time, reasonable access to CSI's
data upon written authorization by the Customer to release this information to a
specified auditor. CSI will charge, and the Customer agrees to pay, for the
costs of any services provided or materials used by CSI in supplying the audit
assistance.

8.3      NOTIFICATION OF CHANGES. CSI will notify the Customer of any material
changes in any program or application that would affect procedures, reports and
the like.

8.4       ANNUAL REPORT. CSI will furnish annually to the Customer a copy of
CSI's annual report which includes audited financial statements and an opinion
of the certified public accountants who performed the audit as to the fairness
of presentation of the financial statements.

                                   ARTICLE IX
                    STANDARD OF CARE-LIMITATION OF LIABILITY

9.1      DUE CARE. CSI agrees that it will use due care in providing the data
processing services to the Customer. CSI will have no obligation to determine or
be responsible for the accuracy or validity of any item, data, or information
furnished by or for the Customer, all of which are the Customer's obligation.

9.2      CUSTOMER'S VALIDATION. The Customer is responsible for reviewing and
validating each day's processing and advising CSI as soon as possible of any
abnormal data contained on any report. The Customer will validate, at least
monthly, all calculations including without limitation earnings on loans,
interest calculations on interest bearing accounts, service charges, payroll
taxes and the like. CSI will in no event be liable in any manner to the Customer
for any loss or damage sustained by the Customer by reason of the Customer's
failure to review and validate in accordance with this paragraph.

9.3      LIMITATION OF LIABILITY. CSI's liability to the Customer is limited to
the cost of correcting any errors which are due solely to CSI's lack of due
care. IN NO EVENT WILL CSI BE OBLIGATED TO CORRECT, AND THE CUSTOMER WILL HOLD
CSI HARMLESS, FOR ALL ERRORS AND ALL OMISSIONS AND THE COST OF CORRECTION
THEREOF IF THE CUSTOMER DOES NOT GIVE WRITTEN NOTICE TO CSI OF AN ALLEGED ERROR
OR OMISSION WITHIN SEVEN (7) DAYS FOLLOWING THE FIRST OPPORTUNITY TO DISCOVER
THE OCCURRENCE OF SUCH ALLEGED ERROR OR OMISSION. The parties, knowingly and
voluntarily allocating the risks between them, expressly agree and understand
that CSI will not be responsible in any manner or liable for the following:

(a)      Any errors, omissions or delays in processing or in the transmission or
delivery of processed data caused by strike, lockout, war, riot, insurrection,
acts of God, governmental acts or regulations, or other causes beyond its
reasonable control;

(b)      Any errors, omissions or delays that might be caused by erroneous,
untimely or incomplete deliveries or transmissions of Transaction Data which are
the fault, in whole or in part, of the Customer or any agent or third party
acting on behalf of the Customer;

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(c)      Any errors, omissions or delays which are the result in whole or in
part, of any acts or omissions of the Customer, or the unauthorized use of a
terminal at the Customer's place of business;

(d)      Any errors, omissions or delays which are caused, in whole or in part,
by the Customer's failure to verify or to monitor the accuracy of reports and
statistics through the maintenance of accepted accounting controls and
procedural check points; and

(e)      Any and all loss or damage incurred by the Customer, including but not
limited to all consequential and incidental damages.

Any corrections which CSI is required to make shall include complete reruns
and/or restoration of programs and/or data files; provided that if CSI is
unable, for any reason, to complete the reruns and/or restoration, then the
Customer may elect to receive the equivalent value based upon the cost of the
original services that were in error as described by the appropriate
Supplemental Agreements. The parties agree that the remedies specified in this
Article are the exclusive remedies of the Customer and CSI shall in no event be
liable for any other remedy.

9.4      LIABILITY TO THIRD PARTIES. The Customer will indemnify and hold CSI
harmless from and against any and all claims, actions, and demands, and from all
liability, damages and losses relating thereto, brought by any third party
against CSI which arise, either directly or indirectly, out of this Agreement or
CSI's performance hereunder. In addition, the Customer agrees to pay to CSI any
attorneys' fees and other costs and expenses incurred by CSI in regard to the
same.

9.5      DISCLAIMER OF WARRANTIES. CSI warrants that it has the right to perform
the data processing services described in the Supplemental Agreements. THIS
WARRANTY IS IN LIEU OF ALL OTHER WARRANTIES WITH RESPECT TO THE SERVICES,
WHETHER EXPRESSED OR IMPLIED. THE CUSTOMER ACKNOWLEDGES AND AGREES THAT CSI
EXPRESSLY DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A
PARTICULAR PURPOSE AND ANY OTHER WARRANTIES OF ANY KIND WHATSOEVER.

9.6      SERVICE QUALITY: In addition to procedures outlined in this Article IX,
the parties agree that, in a service contract such as this, from time to time
difficulties may arise that necessitate pre-agreement as to the method of their
resolution and the parties have agreed to an action plan as follows:

(a)      If service performance is not at a level that would be generally
accepted as standard in the industry or among CSI's customers, whichever is the
greater level of service, a management representative of Customer will outline
the issues of concern in writing and provide notice to CSI of the areas of
concern.

(b)      If input quality or user interaction with the computer are not of a
standard that would be generally accepted in banks in dealing with their data
processing departments, then CSI also agrees to outline these items of concern
in writing and provide to Customer.

(c)      The parties respectively agree that upon any notification outlined in
(a) or (b) above to diligently review all aspects of the issues present and
develop a plan of action for correction of the problem. When either party feels
it is appropriate both parties will agree to a face-to-face meeting to insure
their understanding of the problems and provide an opportunity for participation
in the development of the action plan.

(d)      An agreement can be made in step (c) above for a reasonable time for
correction of the deficiencies identified.

(e)      If after the reasonably agreed time, corrections have not been made
then the parties agree that economic settlements can be made, however, the
economic settlements must be limited by the cost of the services for the period
of difficulty.

(f)      Either party may invoke the arbitration provisions of section 10.5 of
this Agreement as to any correction not made within the reasonably agreed time
specified pursuant to (d), above, or if either party fails to participate in the
process outlined in this section 9.6.

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                                    ARTICLE X
                                   TERMINATION

10.1     NOTICE OF DEFAULT. In the event of any default or breach by a party of
any term, obligation, covenant, representation or warranty contained in this
Agreement, the other party shall give written notice thereof to the breaching or
defaulting party, and the breaching or defaulting party shall have a period of
thirty (30) days within which to cure or correct such breach or default, except
in the case of a breach or default in the payment of money, in which case such
period shall be ten (10) days. The defaulting party shall-utilize its best
efforts to cure the default as soon as reasonably possible. If the default
(excepting default in the payment of money) cannot be cured within thirty (30)
days from date of receipt of the notice thereof, the defaulting party shall have
additional reasonable time to cure such default. This additional time shall not
exceed ninety (90) days without the written consent of the nondefaulting party,
which consent shall not be unreasonably withheld. The nondefaulting party shall
have the right to terminate this Agreement if the defaulting party fails to cure
the default within the time periods as provided herein. In the event of
termination due to the Customer's default, all payments due CSI, including but
not limited to the liquidated damages as defined in section 10.4, shall be due
and payable to CSI at the time of termination.

10.2     TERMINATION UPON INSOLVENCY. If the Customer is declared insolvent by
any state or federal regulatory agency, this Agreement shall automatically
terminate upon the declaration of insolvency and CSI shall become immediately
entitled to all payments due it, including but not limited to the liquidated
damages as defined in section 10.4. Notwithstanding the foregoing, if the
Customer is declared insolvent but is not liquidated, CSI will, only as an
accommodation, make its services available for thirty (30) days following the
date of insolvency and the use of its services thereafter by any new owner or
successor in interest shall be deemed acceptance and assumption of this
Agreement on the full terms and conditions contained herein.

10.3     UNAUTHORIZED TERMINATION BY THE CUSTOMER. If the Customer terminates
this Agreement prior to the commencement date of the original term, or prior to
the expiration date of the applicable term, or at an expiration date without one
hundred eighty (180) days' advance written notice, and the termination is for
any reason other than a default by CSI which CSI has not cured within the time
permitted by section 10.1, all payments due CSI, including but not limited to
the liquidated damages as defined in section 10.4, shall be due and payable to
CSI at the time of termination.

10.4     LIQUIDATED DAMAGES. In the event of CSI's termination of this Agreement
for reason of the Customer's default, or in the event of an unauthorized
termination by the Customer, the Customer shall pay to CSI as liquidated damages
a sum equal to sixty percent (60%) of the following amount: the product of one
(1) month's average billing based upon the last three (3) full months' billing
immediately preceding the effective date of termination multiplied by the number
of months and fractions thereof remaining from and after the effective date of
termination to the expiration date of the then applicable term of this
Agreement. If the effective date of termination occurs prior to the receipt by
CSI of three (3) full months' billing following full and final conversion of all
systems described in the Supplemental Agreements, the one (1) month's average
billing shall be the reasonably anticipated one (1) month's average billing
based upon the greater of either (i) the Customer's account and transaction
volumes as set forth in CSI's final proposal to the Customer, or (ii) the
Customer's account and transaction volumes as of the effective date of this
Agreement. If the Customer terminates this Agreement prior to the commencement
date of the original term, the full term specified in section 3.1 of this
Agreement shall apply. If the Customer terminates this Agreement at the
expiration date of the then applicable term without the one hundred eighty (180)
days' advance written notice, the next full term specified in section 3.1 of
this Agreement shall apply. The Customer agrees and stipulates that (i) the
damages or losses which would be sustained by CSI by reason of the termination
are uncertain and difficult to ascertain, and that the amount determined
hereunder represents a reasonable method of estimating such damages or loss,
(ii) the amount determined hereunder is a reasonable estimate of the damages or
losses which would be sustained by CSI by reason of the termination, (iii) the
amount determined hereunder is reasonably proportionate to the damages or losses
that would be sustained by CSI, and (iv) the amount determined hereunder is in
the nature of liquidated damages and is not nor at any time should it be deemed
or construed a penalty.

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10.5     ARBITRATION:

(a)      Both parties agree, upon the request of either party, to submit to
binding arbitration any dispute arising under this Agreement or any other
agreement referenced in section 10.1, above. Within fifteen (15) business days
following the receipt of the request, the receiving party will select, and
notify the other party of the selection of, a representative of a present
customer of CSI other than Customer to act as arbitrator. If the requesting
party does not agree to arbitration by the other customer representative so
selected, within fifteen (15) business days of receipt of notice of such
selection, the requesting party shall also select, and notify the other party of
the selection of, a representative of still another customer of CSI to act as
arbitrator. The agreed upon customer representative or a customer representative
selected by the other two, if the parties do not agree, shall act as the sole
arbitrator of the dispute.

(b)      Both parties will then submit to the arbitrator within fifteen (15)
days after the selection of the arbitrator a complete written statement of its
view of the dispute and its recommended solution. Not later than fifteen (15)
days following the receipt of both written submissions (or the expiration of the
fifteen (15) day period if no submission is made) the arbitrator will render a
decision to resolve the dispute and the arbitrator's decision shall be binding
upon both parties. The arbitrator shall be limited to the terms of this
Agreement and general practices within the banking industry in rendering its
decision, and shall give fair consideration to the recommended solutions of the
parties, but shall not be limited to such recommended solutions in rendering its
decision. Each party shall pay one-half of the expenses of the arbitrator
incurred in connection with the arbitration.

(c)      Failure of a party to perform an act required by the arbitrator's
decision to be performed by such party shall constitute, for purposes of this
Article X, a default or breach subject to the procedures of section 10.1. An
uncured default or breach shall give rise to the right to terminate this
Agreement by the nondefaulting party upon expiration of the applicable grace
periods specified in section 10.1 and with the same effect.

10.6     FILES AND OTHER MATERIALS. CSI will have the absolute right to retain
in its exclusive possession the Customer's test data and data files until such
time as the Customer has paid and satisfied all payments due CSI, including but
not limited to payment of liquidated damages as defined in section 10.4, as
prescribed in this Agreement, including the Supplemental Agreements. Upon full
payment to CSI, CSI shall provide to the Customer its data files in CSI's
standard machine readable format at the time and material rates in effect at the
time such services are performed. At time of termination, the Customer shall
return to CSI all of CSI's operational manuals and materials. Ail specifications
and programs utilized or developed by CSI in connection with this Agreement,
excepting those furnished by the Customer, are and shall remain the sole
property of CSI.

                                   ARTICLE XI
                               GENERAL PROVISIONS

11.1     GOVERNING LAW; JURISDICTION AND VENUE. This Agreement shall be governed
by and construed in accordance with the laws of the State of Florida, both as to
interpretation and performance. Any legal action brought to enforce any
provision of this Agreement shall be brought before a state court of competent
jurisdiction located in the State of Florida, and the parties agree to submit
themselves to the jurisdiction of such court.

11.2     SEVERABILITY PROVISION. If any provision of this Agreement is
determined to be invalid, the offending provision shall be deemed severed from
this Agreement and the determination shall not affect the validity of any other
clause or provision of this Agreement, which shall remain in full force and
effect, or constitute any cause of action in favor of either party against the
other.

11.3     SUCCESSORS. This Agreement shall be binding upon and inure to the
benefit of the parties and their successors and assigns, but no assignment shall
relieve the parties of their respective obligations hereunder.

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11.4     ENTIRE AGREEMENT; MODIFICATIONS. This Agreement, including the
Supplemental Agreements, contains all the terms and conditions agreed upon by
the parties, and supersedes all prior and contemporaneous negotiations,
representations, understandings and other agreements, oral or other wise, that
may have been entered into by the parties. All other statements, conditions,
covenants, representations, and warranties are merged herein. Any modifications
of this Agreement shall be in writing and duly executed by the parties.

11.5     NO IMPLIED WAIVER. Any delay or failure of either party at any time to
require performance by the other party of any provision of this Agreement shall
not in any way affect the right of such party to require performance. Any waiver
by either party of any breach of any provision of this Agreement shall not be
construed to be a waiver of any subsequent breach or of any other right under
this Agreement.

11.6     NOTICES. Any notice, request, instruction or documents required or
permitted hereunder shall be in writing and shall be deemed given if delivered
personally or by courier service or sent by telex, telecopy or other
telecommunication device capable of creating a written record (and promptly
confirmed by hard copy delivery) to a party at the address set forth in the
first paragraph of this Agreement

11.7     REPLACEMENT AGREEMENT. The parties agree that by the execution of this
Agreement the First Commerce Technology, Inc. Data Processing Agreement dated
August 12, 1998 is hereby replaced and superseded by this Agreement effective
with the date of conversion to the CSI A Series System.

         The Customer and CSI have entered into this Agreement as of the date
first above written, but have manually executed this Agreement on the dates
entered below.

COMPUTER SERVICES, INC.                 SOUTHERN COMMUNITY BANK

By  /s/ [ILLEGIBLE]                     By /s/ [ILLEGIBLE]
    ------------------------               -------------------------------------
Title  President & CEO                  Title  Senior Vice President

Place Paducah, Kentucky                 Place Orlando, Florida

Date 4/27/01                            Date December 1, 2000
6/97

                                       9
<PAGE>

                                                                      CSISUP STC

                             COMPUTER SERVICES, INC.
                     SUPPLEMENTAL DATA PROCESSING AGREEMENT
                          SPECIAL TERMS AND CONDITIONS

1.       It is agreed that CSI is responsible for carrying sufficient Errors and
         Omissions insurance as well as General Liability insurance so as to
         protect the viability of the company. The previously mentioned "Third
         Party Auditor's review" will annually show the Customer the amount of
         insurance CSI is carrying.

2.       It is agreed that CSI is responsible for maintaining a Disaster
         Recovery Plan intended to protect the viability of the company in the
         event of a failure of any part(s) of the CSI operations center(s).

3.       It is agreed that CSI will work with the Item Processing Vendor (IP
         Vendor) of Customer's choosing to interface the IP Vendor's systems
         with CSI's systems. CSI agrees to provide to the IP Vendor standard
         interface specifications for interfacing to the CSI systems. It will be
         the IP Vendor's responsibility to write programs such that they can
         provide data files in the format specified by CSI. CSI makes no
         warranty of the ability to interface the two systems.

4.       It is agreed that CSI will work with the Item Processing Vendor (IP
         Vendor) of Customer's choosing to integrate check images from the IP
         Vendor's systems to the CSI Passport Desktop systems. CSI agrees to
         provide to the IP Vendor standard interface specifications for
         interfacing to the CSI Passport Desktop system, when available. It will
         be the IP Vendor's responsibility to write programs such that they can
         provide check images in the format specified by CSI. CSI makes no
         warranty of the ability to interface the two systems.

COMPUTER SERVICES, INC.                 SOUTHERN COMMUNITY BANK

By  /s/ [ILLEGIBLE]                         By  /s/ [ILLEGIBLE]
    --------------------------              ------------------------------------
Title  President & CEO                  Title  Senior Vice President

Place  Paducah, Kentucky                Place  Orlando, Florida

Date  4/27/01                           Date  December 1, 2000

<PAGE>

                          COMPUTER SERVICES, INC.
                           DATA PROCESSING AGREEMENT

                       ADDENDUM - SUPPLEMENTAL AGREEMENTS

     1.  Scope

         This Addendum is part of the Computer Services, Inc., Data Processing
         Agreement (the "Agreement") between CSI and the Customer. All terms
         used in this Addendum or the Supplemental Agreements shall have the
         meanings attributed to them in the Agreement.

     2.  Supplemental Agreements

         The Supplemental Agreements designated below shall be incorporated into
         and deemed a part of the Agreement:

<TABLE>
<CAPTION>
                                                                                                         CUSTOMER
   FORM#                                   APPLICATION                                               OFFICER INITIALS
<S>                              <C>                                                                 <C>
CSISUP1.1OL                      Demand Deposit Accounting (Combined System)                               /s/
CSISUP3OL                        TDA Accounting                                                            /s/
CSISUP5.1OL                      Loan Accounting System                                                    /s/
CSISUP8OL                        Advanced General Ledger System                                            /s/
CSISUP13OL                       Magnetic Tape Credit Reporting                                            /s/
CSISUP20OL                                                                                                 /s/
CSISUP24A                        AlphaLink Interchange Processing                                          /s/
CSISUP27OL                       Revolving Credit Processing                                               /s/
CSISUP30OL                       Continuous ATM Card Issue Processing                                      /s/
CSISUP34OL                       Safe Deposit Box Accounting                                               /s/
CSISUP35OL                       Automatic Transfer System                                                 /s/
CSISUP36OL                       Automatic Clearing House                                                  /s/
CSISUP41OL                       On-Line NSF & Chargeback System                                           /s/
CSISUP50OL                       Centervoice Voice Response System Service Only Option                     /s/
CSISUP52OL                       CSI Remote Print Download                                                 /s/
CSISUP53OL                       Credit Bureau Interface                                                   /s/
CSISUP58OL                       On-Line Data Base & Central Information File                              /s/
CSISUP60OL                       Passport Account Reconciliation                                           /s/
CSISUP61OL                       EZ Spec / URSA "Report Writer"                                            /s/
CSISUP63OL                       NYCE Interchange Processing                                               /s/
CSISUP71OL                       Money Access Card (MAC) Interchange Processing                            /s/
CSISUP72OL                       Visa Check Card Processing                                                /s/
CSISUP79OL                       CSI Passport Teller                                                       /s/
CSISUP80OL                       CSINet                                                                    /s/
CSISUP86OL                       CSI Passport Platform                                                     /s/
CSISUP93OL                       Internet Banking Interface                                                /s/
</TABLE>

     3.  Amendments

         Subject to approval by CSI, the Customer may elect to add or substitute
         Supplemental Agreements by notifying CSI in writing and entering into
         an alternative Supplemental Agreement, if appropriate.

     The undersigned agree that the foregoing Supplemental Data Processing
Agreement is subject to the terms and provisions of the Data Processing
Agreement between the undersigned.

COMPUTER SERVICES, INC.                 SOUTHERN COMMUNITY BANK
                                        ORLANDO, FLORIDA

By: /s/ [ILLEGIBLE]                     By: /s/  [ILLEGIBLE]
   -----------------------                  ------------------------------------
Title:  President & CEO                 Title: [ILLEGIBLE]

Date:  4/27/01                          Date:  3/10/2001

<PAGE>

                                                             CSISUP1.1OL (10/98)

                             COMPUTER SERVICES, INC.
                     SUPPLEMENTAL DATA PROCESSING AGREEMENT
                            DEMAND DEPOSIT ACCOUNTING
                                (COMBINED SYSTEM)

PROCESSING SCHEDULE -

         Accounts will be processed Monday through Saturday, excluding bank
holidays. Work received in the proper format by 7:00 p.m. (Central Time) on each
business day will be available for pickup and delivery on the morning of the
next business day according to the report schedule.

CHARGES -

         Charges will be made monthly for services rendered the prior month. All
invoices are payable ten days net.

     Pricing will be as follows:

         MANUAL CONVERSION FEE:

               $250.00 Plus $.50 Per Account

     PROCESSING FEES   (Minimum Charge - $350.00):

         $.16  per account per month for all accounts on
               file at end of month

         $.016 per item processed during month

     DEPOSIT ADDITIONAL SERVICES -
         NSF/Overdraft Notices @  $.01
         Combined 1099 (Price Based On Current Forms Cost)

         NOW Account and/or Super NOW Account Option -
              Flat Monthly Fee -            $      125.00
              Per NOW Account and/or
                Super NOW Account-          $         .08

         Compensating Balance - Per IRA and/or
         Savings and/or Loans and/or Certificate and/or
         another DDA Balance Interface -    $       50.00 ea

         Cash Reserve Accounting Option -
              Minimum Charge -              $       50.00
              Per Cash Reserve Account -    $          10

         Super Cash Reserve Accounting Option:
              Minimum Charge -              $       50.00
              Per Cash Reserve Account -    $         .29

         Money Market Accounting Option -
              Flat Monthly Fee -            $      100.00
              Per Money Fund Account -      $         .08

         Cash Management/Sweep Option:
          One Account Method -
            Flat Monthly Charge -           $      100.00
            Per Account-                    $        1.00

         Multi-Account Cash Management Option:
              Flat Monthly Charge -         $      150.00
              Per Cash Management
                Account -                   $        5.00

         Multiple DDA Account Analysis Option:
              Minimum Charge -              $       35.00
              Per DDA Account -             $        1.00

         Combined Statements Option:
              Minimum Charge -              $       50.00
              Per Combined Statement -      $         .12

   DEPOSIT ADDITIONAL SERVICES: (Cont'd)
     Two Months O-L Statement History Option:
         Per DDA Account on File -          $         .03

     Twelve Months O-L Statement History Option:
         Per DDA Account on File -          $         .10

     OL Notification of Change (NOC) Through ACH System
         Per Account Change                 $         .50

     OVN EOM Statements >100                $       35.00 (Min)
                                                      .50 per stmt

     Twelve Month APA Analysis
         Per Account/Per Month              $        1.00

     Expanded Float Totals 1-9 Days
         Per Account/Per Month              $         .01

     Daily Service Charge/Interest Journal Parameter Display
         Per Account/Per Month              $         .03

     List Post Notices with Activity in Serial Number Sequence
         Per Account/Per Notice             $        1.00

BASIC PROCEDURES -

         Determination of statement cycles, service charge schedule, overdraft
procedures, and other related procedures will be developed and implemented with
the mutual agreement of the Customer and CSI.

     SAVINGS ADDITIONAL SERVICES-
         Interest Calculation -      $     .08 per account each
         interest pay period.  (This charge is billable at time of
         interest calculation.)    (Required Service)

         Statements (1 Part)-        $     .10 per account
                                              (Optional Service)
         Self Mailer Statements -    $     .20 per account
                                              (Optional Service)
         There are two (2) sort options for printing combined
         1099 Self Mailers at year end:
                Alpha by TIN
                Zip Sequence
              (Prices will be based on current forms cost.)

         Club Accounting Option:
                Processing fees are the same as outlined above
                (included in minimum charge). Check forms are to be
                provided by the Customer in a format acceptable by CSI.

         On-Line Passbook Option:
                $  100.00 Minimum Charge
                $     .13 Per On-Line Account

     OPTIONAL SAVINGS PER ACCOUNT PRICING:
                $        .22 Per Account Per month includes interest
                             calculation and interest statement
                             production anytime.

              (for available reports consult the DDA User Manual)
<PAGE>

                                                               CSISUP3OL (10/96)

                             COMPUTER SERVICES, INC.
                     SUPPLEMENTAL DATA PROCESSING AGREEMENT
                        CERTIFICATE OF DEPOSIT ACCOUNTING

PROCESSING SCHEDULE -

DAILY PROCESSING

          Updating of the Certificate of Deposit file with new and closed
accounts and calculating accrued interest will be on a daily current basis,
Monday through Friday. Activity entered via the CSI on-line system by the
applicable input deadlines will be posted and available for pick-up and delivery
on the morning of the next business day.

WEEKLY PROCESSING

          A cutoff point will be established through which all activity for
processing entered to the system will be posted.

DAILY OR WEEKLY PROCESSING

          Calculation of interest on maturing certificates represented by check
printing, maturity notices, etc., is performed on a weekly basis.

CHARGES -

          Charges will be made monthly for services rendered the prior month.
All invoices are payable ten days net.

     Pricing will be as follows:

          CONVERSION FEES:

               $250.00 Plus $.50 Per Account

          Processing Fees: (Minimum Charge - $100.00)

               $.20      per certificate per month if processing on a daily
                         basis.

                           or

               $.11      per certificate per month if processing on a weekly
                         basis.

          ADDITIONAL SERVICES:

               $.01      per check printed with minimum of $10.00 per month.

               Interest checks printed by CSI, will be ordered and inventoried
               by CSI, but forms cost of the checks will be billed to the
               Customer.

               Microfiche as described in report schedule - Not separately
               charged if processing on a daily basis.

               Combined 1099 Self Mailers (Prices will be based on current forms
               cost.)

               $.05      per Premier Notice (Laser Printed) plus postage

               $.10      per Premier Notice (Front and Back Laser Printed) plus
                         postage

BASIC PROCEDURES-

          Determination of types of certificates, interest rates, and terms will
be implemented with a mutual agreement of the Customer and CSI. All non-MICR
data entry to be performed by bank personnel from terminals in bank.

REPORT SCHEDULE - Daily & Weekly

     DAILY PROCESSING

          Daily Microfiche - (1 Original and 1 Copy)

               1.   Trial Balance

               2.   Unpostable Report

               3.   Miscellaneous Edit Report

               4.   File Maintenance Report

          Daily - Paper

               1.   Convert & Edit Listing

     WEEKLY PROCESSING

          Weekly - Paper

               1.   Convert & Edit Listing

               2.   Trial Balance

               3.   Unpostable Report

               4.   Miscellaneous Edit Report

               5.   File Maintenance Report

     DAILY OR WEEKLY PROCESSING

          Weekly - Paper

               1.   C/D Closed Accounts

               2.   Interest Checks

               3.   Maturity Journal

               4.   Maturity Notices

               5.   C/D New Accounts

               6.   3x5 Card (One per New or Changed Account)

          Annual -

               1.   Interest Paid Report for All Accounts

               2.   IRS Reporting on Magnetic Tape 1099

               3.   Combined 1099 (Multiple Accounts Combined by Social Security
                    Number)

<PAGE>

                                                             CSISUP5.1OL (10/98)

                             COMPUTER SERVICES, INC.
                     SUPPLEMENTAL DATA PROCESSING AGREEMENT
                             LOAN ACCOUNTING SYSTEM

PROCESSING SCHEDULE -

          Accounts will be processed by CSI Monday through Saturday, excluding
bank holidays. All new loans and loan activity received in the proper format by
the applicable input deadlines on each business day will be processed overnight.
Daily reports will be available for delivery on the morning of the following
business day. Weekly or monthly reports will be included on the dates
specified by schedule.

CHARGES -

          Charges will be made monthly for services rendered the prior month.
All invoices are payable ten days net.

  Pricing will be as follows:

          MANUAL CONVERSION FEES:

               $250.00 plus $.50 per note

          PROCESSING FEES: (Minimum Charge - $350.00)

                $.50     per ILN, CLN, MLN, and RVC active account at the end of
                         month.

                 Note: Paid out nates are charged if option to print on Trial
                 Balance is used, but not charged if not printed.

     ADDITIONAL SERVICES:

                $.10     per transaction -
                           Auto Payment Allocation.

                $.05     per loan per month -
                         Transaction History on Paid-out Loans
                           Saved On-Line
                           (Up to 2 years)

                $.10     per Third Party Collection Item per Month

                $.05     per Third Party Collection Notice

                $.05     per Premier Notice (Laser Printed)
                         plus postage

                 Annual Interest Notices - (Prices will be based on current
                 forms costs)

                $100     per month for Notices Sorted by Branch Code

BASIC PROCEDURES -

          Customer is responsible for maintenance of proper internal controls,
reconcilement of input for each business day, and reconcilement of totals with
general ledger accounts each business day.

          Selective features or options relative to minimum loan charges, past
due reporting, past due notices, etc., will be implemented by mutual agreement
of Customer and CSI as specified on the separate form provided for that purpose.
All non-MICR data entry to be performed by bank personnel from terminals in
bank.

          All loans coded with separate Report Codes ILN, MLN, CLN, or RVC will
be reported on separate trial balances with separate control totals.

              (for available reports consult the Loan User Manual)

<PAGE>

                                                                CSISUP8OL (3/94)

                             COMPUTER SERVICES, INC.
                     SUPPLEMENTAL DATA PROCESSING AGREEMENT
                         ADVANCED GENERAL LEDGER SYSTEM

PROCESSING SCHEDULE -

          Accounts will be processed Monday through Saturday, excluding bank
holidays. Work received in the proper format by the applicable input deadlines
on each business day will be available for pickup and delivery on the morning of
the next business day according to the report schedule.

CHARGES -

          Charges will be made monthly for services rendered the prior month.
All invoices are payable ten days net.

     Pricing will be as follows:

          CONVERSION FEES:

               Basic General Ledger                     $500.00
               Enter History or Budget Figures          $250.00

          PROCESSING FEES:

               General Ledger                           $   .75 Per Account or
                                                        $350.00 Minimum

          ADDITIONAL SERVICES:

               Transactions Saved On-Line:

                    Current and Prior Month - No Charge

                         Year-To-Date
                             Up to 12 Months:
                              January - December        $  .003 Per Transaction/
                                                                  Month

          Additional Reports                            $ 25.00 Per Report

                                                        $100.00 Initial Set Up
                                                                Fee Per PADS
                                                                Report

          EIS Downloads                                 $ 50.00 Month End
                                                        $150.00 Daily & EOM

BASIC PROCEDURES -

          MICR encoded activity is the standard input media for this service.
Rejects will be returned to the bank for reconciliation and re-entry. Balancing
of activity is the responsibility of the bank. All non-MICR data entry to be
performed by bank personnel from terminals in bank.

          Activity may be entered via an in-bank CRT. Errors in the keying of
the activity and the balancing of CRT entered activity is the responsibility of
the bank.

          Descriptive transactions are available through an in-bank CRT or
specially coded MICR documents for descriptions defined by the rank's
specifications.

REPORT SCHEDULE -

BASIC G/L -

     Daily -

          1.   Report of New and F/M

          2.   Posting Trial Balance

          3.   Request Statements

          4.   Statement of Condition

          5.   Management Information Reporting

     Monthly -

          1.   Income and Expense Report

          2.   Monthly History (If YTD O-L Option not selected)

     As of Reporting -

          1.   Posting Trial Balance

          2.   Balance Sheet Average Balances For Elapsed Months

          3.   Monthly Income & Expense For Elapsed Months

OVERNIGHT G/L -

     Daily -

          1.   Statement of Condition

          2.   Income and Expense Report

               All other daily G/L Reports will be provided on microfiche on a
               one (1) day delayed basis.

<PAGE>

                                                               CSISUP13OL (6/93)

                             COMPUTER SERVICES, INC.
                     SUPPLEMENTAL DATA PROCESSING AGREEMENT
                         MAGNETIC TAPE CREDIT REPORTING

PROCESSING SCHEDULE -

          Recognizing that the Customer has entered into or intends to enter
into an agreement to provide certain INS data to a credit bureau, ____________,
CSI agrees to provide that data on magnetic tape on a mutually agreeable date
monthly. Cost of the magnetic tape and delivery of same will be borne by the
credit bureau.

CHARGES -

          Charges will be made monthly for services rendered the prior month.
All invoices are payable ten days net.

     Pricing is as follows:

           $   .02   Per Account

           $ 25.00   Minimum

           $100.00   Maximum

BASIC PROCEDURES -

          Data will be extracted from Customer's masterfile. Accuracy and
completeness of data is the responsibility of the Customer.
<PAGE>

                                                                      CSISUP20OL

                             COMPUTER SERVICES, INC.
                     SUPPLEMENTAL DATA PROCESSING AGREEMENT
                          INDIVIDUAL RETIREMENT ACCOUNT

PROCESSING SCHEDULE -

         Accounts will be processed by CSI Monday through Friday, excluding bank
holidays. Activity received by the applicable input deadlines on each business
day will be available for pickup and delivery on the morning of the next
business day, according to the report schedule.

CHARGES -

         Charges will be made monthly for services rendered the prior month. All
invoices are payable ten days net.

    Pricing will be as follows:

         CONVERSION FEE:

             $250.00    Plus $.50 Per Master Account

         PROCESSING FEES:

             $100.00    flat fee plus $.20 per master account,
                        per month, for all accounts on file at end of the month.

             Statement Production Fees:

             Annual:            $2.00 per master account

                        NOTE: This would include two (2) statements per master
                        account. One being for the bank's record and maintained
                                there, the other could be sent to the Customer
                                for their records.

             Semi-Annual:       $1.00 per master account

             Quarterly:         $ .75 per master account

             Monthly:           $ .50 per master account

         Distribution Fees:

             Actual Checkprint:           Printed at $.01 each
                                          with a minimum of
                                          $10.00 per month.

             Stock Paper Check Listing:   Not Separately Charged

             Notices, DDA, SAV, C/D:      Not Separately Charged

             $ .05      per Premier Notice (Laser Printed) plus postage

             $ .10      per Premier Notice (Front and Back Laser Printed) plus
                        postage

BASIC PROCEDURES -

         Interest rates, payment dates, service charges, and other processing
considerations will be implemented by a mutual agreement of the Customer and
CSI. All non-MICR data entry to be performed by bank personnel from terminals in
bank.

REPORT SCHEDULE -

         Daily-

                  1. Convert & Edit Journal

                  2. Trial Balance

                  3. Unpostable Report

                  4. Exceptions Report, F/M, Misc.

                  5. 3x5 Cards (One Per New or Changed Accounts)

                  6. Interest Paid/Service Charge Report

                  7. Requested Cut-off Statements Stock Paper Print

         Weekly -

                  1. Exceptions Report, Excess Contribution, Need Payout Info,
                     etc.

         Monthly -

                  1. New Accounts Report

                  2. Statements, Request and Cycled

                  3. Analysis, Size, Branch, Type, Age

         Annual -

                  1. Statements

                  2. Full Listing of Accounts Approaching Payout in Upcoming
                     Year

                  3. Interest Paid/Service Charge Listing

                  4. W2P & 1099R Forms

<PAGE>

                                                                       CSISUP24A

                             COMPUTER SERVICES, INC.
                     SUPPLEMENTAL DATA PROCESSING AGREEMENT
                        ALPHALINK INTERCHANGE PROCESSING

SERVICE DESCRIPTION -

         CSI will provide computer equipment and software to permit Customer,
who is a user of the Proprietary On-Line ATM Processing service, to share
automated teller machines (ATMs) with other customers subscribing for AlphaLink
Interchange Processing.

BASIC PROCEDURES -

         AlphaLink Interchange transactions will be processed through Customer's
ATMs and authorized against Customer's data files in an on-line environment.
Customer's interchange transactions will be reported and a settlement of
Customer's net position with the interchange will be entered through the Federal
Reserve System under the net settlement service on a daily basis.

CHARGES -

         Charges will be made monthly for services rendered the prior month. All
invoices are payable ten days net.

    Pricing is as follows:

         $ .08 Per interchange Transaction

         Pro-rata Share of Federal Reserve Net Settlement Cost

<PAGE>

                                                                      CSISUP27OL

                             COMPUTER SERVICES, INC.
                     SUPPLEMENTAL DATA PROCESSING AGREEMENT
                           REVOLVING CREDIT PROCESSING

PROCESSING SCHEDULE -

         Accounts will be processed Monday through Saturday, excluding bank
holidays. Work received in the proper format by the applicable input deadlines
on each business day will be available for pickup and delivery on the morning of
the next business day according to the report schedule.

CHARGES -

         Charges will be made monthly for services rendered the prior month. All
invoices are payable ten days net.

 Pricing will be as follows:

    $50 per month plus

    Per Active Account (balance greater than zero)
         on file at end of month                      $ .45

    Per Inactive Account (balance equal to zero)
         on file at end of month                      $ .10

    Per Transaction (over three transactions)
         per account per month                        $ .05

BASIC PROCEDURES -

         Determination of statement cycles, annual fees, late charges, payment
amount calculations and other related procedures will be developed and
implemented with the mutual agreement of the Customer and CSI. All non-MICR data
entry to be performed by bank personnel from terminals in bank.

REPORT SCHEDULE -

    Daily -

         1. Trial Balance

         2. Totals

         3. Unpostable Report

         4. File Maintenance Report

         5. Past Due Report

         6. 3 x 5 Cards (New & Change)

         7. Past Due Notices

         8. Expiration Date Notices

    Monthly -

         1. Statements

    Annual -

         1. Annual Interest Paid Report

         2. U. S. Government 1098 (Magnetic Media)

<PAGE>

                                                                CSISUP30OL(1/96)

                             COMPUTER SERVICES, INC.
                     SUPPLEMENTAL DATA PROCESSING AGREEMENT
                      CONTINUOUS ATM CARD ISSUE PROCESSING

SERVICE DESCRIPTION -

         CSI will provide computer equipment and software at its computer center
to extract automated teller machine (ATM) customer account file (CAF) records
designated by the Customer. CSI will provide for the production and separate,
mailing of an ATM card and personal identification number (PIN) for each ATM CAF
record designated.

AVAILABILITY -

         CSI agrees to devote its best effort to extract Customer designated ATM
CAF records, as well as provide production and delivery of ATM card(s) and
PIN(s) in a timely manner, but cannot guarantee uninterrupted service.

ACTIVITY PROCESSING -

         The accuracy of data designated by the Customer to be extracted by CSI
is the responsibility of the Customer. The Customer acknowledges responsibility
to control and audit data processed by CSI on a timely basis.

SERVICES PROVIDED -

         CSI will extract ATM CAF records designated by the Customer. The
extracted ATM CAF records will be transmitted to CSI's ATM card production
provider on either a daily or weekly basis. CSI's ATM card production provider
will produce an ATM card and/or PIN for each CAF designated and will mail each
separately to the address on the CAF record.

CHARGES -

         Charges will be made monthly for services rendered the prior month. All
invoices are payable ten days net.

         CONVERSION FEE:

             Per Institution                                            $ 450.00

         MONTHLY PROCESSING FEES:

             Base Fee (Weekly Option)                                   $  50.00

             Base Fee (Daily Option)                                    $ 150.00

             ATM Card and/or PIN Production Per CAF Record Designated   $   2.00

         All postage for ATM card and PIN mailers will be billed to the Customer
on a monthly basis.

         ATM card plastic and personalized envelope costs will be the
responsibility of the Customer.

         Any special insert fees in addition to the ATM card and PIN will be the
responsibility of the Customer.
<PAGE>

                                                               CSISUP34OL(11/97)

                             COMPUTER SERVICES, INC.
                     SUPPLEMENTAL DATA PROCESSING AGREEMENT
                           SAFE DEPOSIT BOX ACCOUNTING

PROCESSING SCHEDULE -

         Safe Deposit Box processing will be daily or weekly. Each update
includes activity for the previous Saturday through Friday period.

CHARGES -

         Charges will be made on a monthly basis for services rendered the prior
month. All invoices are payable ten days net.

    Pricing wilt be as follows:

       PROCESSING FEE:

        Minimum Charge -             Daily   - $150.00
                                     Weekly  - $ 75.00

           $ .10 per account - Daily
           $ .05 per account - Weekly

BASIC PROCEDURE -

         All activity for Safe Deposit processing to be performed by bank
personnel from terminals in bank.

REPORT SCHEDULE -

         Daily -

             1. Trial Balance

             2. Transaction Journal

             3. New Accounts Report

             4. Closed Accounts Report

             5. File Maintenance Report

             6. Unpostables Report

             7. 3x5 Cards for New & Changed Data

             8. Vacant Boxes Report

             9. Sealed Boxes Report

            10. Boxes Past Due This Week

         Weekly -

             1. Trial Balance

             2. Transaction Journal

             3. New Accounts Report

             4. Closed Accounts Report

             5. File Maintenance Report

             6. Unpostables Report

             7. 3x5 Cards for New & Changed Data

             8. Vacant Boxes Report

             9. Sealed Boxes Report

            10. Boxes Past Due This Week

         Monthly -

             1. Late Notices

             2. Billing Notices

<PAGE>

                                                                      CSISUP35OL

                             COMPUTER SERVICES, INC.
                     SUPPLEMENTAL DATA PROCESSING AGREEMENT
                            AUTOMATIC TRANSFER SYSTEM

PROCESSING SCHEDULE -

         The Transfer System is processed Monday through Saturday, excluding
bank holidays. Work received in the proper format by the applicable input
deadlines on each business day will be ready on the morning of the next business
day according to the report schedule.

CHARGES -

         Charges will be made on a monthly basis for services rendered the prior
month. All invoices are payable ten days net.

         Pricing will be as follows:

         PROCESSING FEES:

             $100.00 flat plus:

                     $ .05/ Debit and $ .05 / Credit

BASIC PROCEDURE -

         The Transfer System uses data entry on new account and change data by
bank through CSI's on-line system. The system generates electronic fund
transfers on pre-authorized schedules between application account files or
within the same file. The system allows for same day posting to an application
file unless the application is not processed daily.

REPORT SCHEDULE -

         Daily -

             1. Trial Balance

             2. Transfer System Unpostables

             3. Transfer System Miscellaneous Edit

             4. Transfer System Closed Accounts Today

             5. Transfer System File Maintenance

             6. Transfer System New Accounts Today

             7. Transfer System Transfers Today

             8. Transfers from On-Line

<PAGE>

                                                                CSISUP36OL(6/98)

                             COMPUTER SERVICES, INC.
                     SUPPLEMENTAL DATA PROCESSING AGREEMENT
                            AUTOMATIC CLEARING HOUSE

PROCESSING SCHEDULE -

         The ACH System is processed Monday through Friday, excluding bank
holidays. Transactions received in the proper format and within the Federal
Reserve System Published Guidelines will be warehoused and pasted on the
appropriate posting date. The posting is determined by your bank's specs whether
posted the night before for credits or memo posted on the posting date.

CHARGES -

         Charges will be made monthly for services rendered the prior month. All
invoices are payable ten days net.

  Pricing will be as follows:

    PROCESSING FEE: (Minimum Charge - $30.00)

         $.10 per transaction

BASIC PROCEDURE -

         All debits and credits come through the Federal Reserve System and are
received at CSI via magnetic tape or transmission.

REPORT SCHEDULE -

         Daily -

             Online access to all ACH information

         Weekly -

             ACH Listings

<PAGE>

                                                                CSISUP41OL(1/95)

                             COMPUTER SERVICES, INC.
                     SUPPLEMENTAL DATA PROCESSING AGREEMENT
                         ON-LINE NSF & CHARGEBACK SYSTEM

PROCESSING SCHEDULE -

         Accounts will be processed Monday through Friday, excluding bank
holidays. Saturday processing is available only if bank has Saturday update of
Demand Deposit Accounting System. DDA work received in the proper format by 7:00
p.m. (Central time) on each business day will allow the on-line NSF to be
available on-line by 7:00 a.m. (Central time).

NSF CHARGES -

         Charges will be made monthly for services rendered the prior month, All
invoices are payable ten days net.

  Pricing will be as follows:

     PROCESSING FEE:

         Less Than 4,000
          DDA Accounts             $100        Per Month

         4,000 DDA Accounts
           and Above               $150        Per Month

     OPTIONAL:

         NSF and Overdraft Paper Report
           out of application      $ 50        Per Month

         Combined NSF Notice
           Per Account             $.10        Per Month

CHARGEBACK CHARGES -

         Charges will be made monthly for services rendered the prior month. All
invoices are payable ten days net.

  Pricing will be as follows:

     PROCESSING FEE:

         Less Than 4,000
           DDA Accounts            $100        Per Month

         4,000 DDA Accounts
           and Above               $150        Per Month

BASIC PROCEDURE -

         Determination of paying, returning and charging NSF checks to DDA
accounts will be done through the on-line system by the Customer. Information
helpful for making decisions related to NSF items will also be on-line. CSI will
update files at a pre-determined time during the day and have files available
for notices and reports to be printed in-bank by the Customer.

         When bank has finished marking overdraft decisions, a command, NSF CUT,
can be transmitted from any bank terminal by persons with NSF authority in the
on-line security system.

         NSF CUT will tell system that you wish the production of your NSF
Reports and/or the memo posting of the transactions to take place at the next
scheduled production time. Consult the DDA Users Manual for cut off times.

         The system will produce NSF Reports and memo post NSF transactions
based on the cut off schedule for banks that have entered NSF CUT prior to one
of the scheduled times.

         If NSF CUT has NOT been entered from a bank, the NSF Reports will be
produced and the NSF transactions will be memo posted after the 3:00 p.m.
cutoff.

         The Chargeback System will only be available if the bank is using the
ONL NSF System option and will have multiple cut times after ONL NSF processing
has been completed. .

         Chargeback Notices will be printed in-bank on the same day decisions
are made, as well as Management Reports that provide a list of all items
returned and fees accessed.

REPORT SCHEDULE -

      Daily Retrieval through On-Line

          NSF Notices
          Final Overdraft Report
          ONL/NSF Return Items Report
          ONL/NSF Recap

          Recap of Chargebacks
          Cash Letter Listing
          Chargeback Notices
<PAGE>

                                                               CSISUP50OL(11/98)

                             COMPUTER SERVICES, INC.
                     SUPPLEMENTAL DATA PROCESSING AGREEMENT
                        CENTERVOICE VOICE RESPONSE SYSTEM
                               SERVICE ONLY OPTION

SERVICE DESCRIPTION - CSI -

         CSI will provide computer equipment and software at its computer center
to provide the Voice Response System. Inquiry into the bank's customer accounts
will be provided through this system connected to the bank's on-line data files.
The information provided will include but not be limited to the following
information:

                  DDA Balances
                  SAV Balances
                  Specific Checks (Within Current Statement Cycle)
                  Specific Deposits (Within Current Statement Cycle)
                  DDA item inquiry (Within Current Statement Cycle)
                  SAV Item Inquiry (Within Current Statement Cycle)
                  Loan Payoffs (LNS System Only)
                  COD Balance, Rate and Maturity

AVAILABILITY -

         CSI agrees to devote its best effort to having the system available on
a continuous basis, seven (7) days a week, but cannot guarantee immediate and
uninterrupted service.

EQUIPMENT & SOFTWARE -

         Customer must also be on-line with CSI and Customer is responsible for
all phone line charges incurred to provide this service.

CHARGES -

         Charges will be made monthly for services rendered the prior month. All
invoices are payable ten days net.

    Pricing Will be as Follows:

         CONVERSION FEES:

                  $1,000 Per Bank

         PROCESSING FEES: (Minimum Charge - $300.00)

                  $  .01 Per Transaction

         PHONE LINE CHARGE:

                  $  .10 Per Minute (includes an 800 number for the bank)

CENTERVOICE +

         Additional                   $100.00 per month
         Fax Statements               $.50 per fax page
         Transfer to Bank             $.10 per minute

<PAGE>

                                                              CSISUP 52OL (6/00)

                             COMPUTER SERVICES, INC.
                     SUPPLEMENTAL DATA PROCESSING AGREEMENT
                            CSI REMOTE PRINT DOWNLOAD

BASIC PROCEDURES

         CSI provides daily downloading of the bank's print image files. This
requires a Windows 95/98 PC or Windows NT Server, whose specific station address
is pre-defined by CSI. This assures the security of the file transfers to a
specific PC in your bank, which is password protected. The CSIRP software should
be kept in operation at all times including nights and weekends on a PC
dedicated solely to the CSIRP system to insure availability for CSI to transmit
reports at any time during CSI processing hours.

         Any PC capable of running the Windows 95/98 or Windows NT operating
system can be used. The PC will need a minimum of 10 MB of available storage for
the software. Additional space storage will be needed for the bank's print
files. The system needs a minimum of 4 times a single day's report volume. This
can be estimated by multiplying the number of total customer accounts for all
applications by 750 for a single day's volume, and multiplying that number by 4.
This allows the system to store 2 days of information. The bank can elect to
store any number of additional days of CSI print files, if desired. This data is
available for printing and limited viewing of the reports at the bank.

         CSI's Quicknet environment with TCP/IP is required.

         Print files will be available to the bank by 8:00 a.m. or earlier each
day.

SYSTEM FEATURES

-        Download of print files

-        Storage of prior day report files

-        Limited report viewing capability for stored reports

-        Selected report printing of stock paper reports during the download
         process

-        Designate any LAN/WAN printer for each report to be printed during the
         download

CHARGES

         Charges will be made monthly for services rendered the prior month. All
invoices are payable ten days net.

    INSTALLATION FEE: (ONE-TIME)

       CSIRP Installation Fee         $500

    PROCESSING FEE:

       CSIRP download software        $50 per month

SYSTEM REQUIREMENTS

Windows 95/98 PC or NT Server
CSI Quicknet
PC Anywhere Dialup Software

BANK RESPONSIBILITIES

         CSI will no longer print any stock paper or special forms or provide
microfiche for archiving purposes.

CSI SPECIAL FORMS PRINT OPTION

         The bank may elect to have CSI continue to print special forms and
statements. The bank will be billed a monthly surcharge of 1.5% of the
processing charges for DDA, Savings, COD, IRA, Loans and General Ledger, with a
monthly minimum of $20 per application, for no less than five (5) applications.
The bank will still be responsible for printing any stock forms it may desire.

ACKNOWLEDGMENT: INDEMNIFICATION

         The customer acknowledges and agrees that CSI is only providing print
image files and software for the customer to download to the bank. Any
additional processing or archiving of these files is the bank's responsibility.
The customer specifically acknowledges, without limitation, the applicability of
it's obligation pursuant to the Data Processing Agreement to hold harmless,
defend and indemnify CSI against any claims, actions, and demands.

<PAGE>

                                                               CSISUP53OL(5/95)

                             COMPUTER SERVICES, INC.
                     SUPPLEMENTAL DATA PROCESSING AGREEMENT
                             CREDIT BUREAU INTERFACE

PROCESSING SCHEDULE -

         Retrieval of Credit Bureau Information from Trans Union and/or Equifax
will be available from any on-line terminal in the bank during the hours as
contracted under the bank's on-line Data Base & Central Information File
Supplemental Agreement. This information will be displayed on the terminal or
can be printed in the bank from an on-line printer.

CHARGES -

         Charges will be made monthly for services based on the number of credit
inquiries processed through CSI for the Customer the prior month. All invoices
are payable ten days net.

         Pricing Per CREDIT BUREAU INTERFACE is as Follows:

          Monthly Minimum:       $50 for one Credit Bureau
               or                $75 for two Credit Bureaus

          Processing Fee:

<TABLE>
<CAPTION>
                  #
             Transactions            Price
<S>          <C>                   <C>
First         299                  $.50 ea.
Next          199                  $.45 ea.
Next          199                  $.40 ea.
Next          199                  $.35 ea.
Next          199                  $.30 ea.
Next          199 & Over           $.25 ea.
</TABLE>

BASIC PROCEDURES -

         Transmission of a properly completed Credit Check Screen will allow
direct access to the Trans Union and/or Equifax credit reporting network through
CSI's on-line system. The reports will be returned either to an on-line terminal
or an on-line printer.

REQUIREMENTS -

         Customer must be on-line with CSI and a member of the Trans Union
and/or Equifax Credit Bureau.

ACKNOWLEDGEMENT; INDEMNIFICATION -

         The Customer acknowledges and agrees that CSI is only providing the
electronic interface between the Customer and Trans Union and/or Equifax for the
purpose of the Customer's accessing Trans Union and/or Equifax Credit Bureau
Information and that CSI is not responsible to the Customer or any bank credit
customers of the Customer or any other person for the content of any Credit
Bureau Information so accessed by the Customer. In this regard, the Customer
specifically acknowledges, without limitation, the applicability of its
obligation pursuant to the Data Processing Agreement to hold harmless, defend
and indemnify CSI against third party claims, actions and demands.

<PAGE>

                                                               CSISUP58OL(12/99)

                             COMPUTER SERVICES, INC.
                     SUPPLEMENTAL DATA PROCESSING AGREEMENT
                  ON-LINE DATA BASE & CENTRAL INFORMATION FILE

SERVICE DESCRIPTION -

         CSI will provide computer equipment and software at its computer center
to allow connecting terminals located where designated by the Customer for
purposes of accessing account data, accessing the central information files,
memo posting balance changes, capturing file maintenance activity and/or
capturing transaction activity for applications processed under other
Supplemental Agreements. The Customer will provide the terminals, control units,
if necessary, modems, and the data communication phone line(s) from the
terminal location(s) to CSI's computer center.

AVAILABILITY SCHEDULE -

         CSI will operate the on-line network over periods defined as follows
(NOTE: All times are Central Time.):

<TABLE>
<CAPTION>
                        ACCOUNT ACCESS           DATA CAPTURE
                        & MEMO POSTING         NEW ACCOUNTS ETC.
                         AVAILABILITY            AVAILABILITY

                       BEGIN       END         BEGIN         END
                     ---------   --------    ---------    ---------
<S>                  <C>         <C>         <C>          <C>
ALL WEEKDAYS         7:00 a.m. - 9:00 p.m.   7:00 a.m. to 9:00 p.m.
EXCEPT FRIDAY

FRIDAY               7:00 a.m. - 9:00 p.m.   7:00 a.m. to 9:00 p.m.

SATURDAY             7:00 a.m. - 5:00 p.m.   7:00 a.m. to 5:00 p.m.
</TABLE>

NOTE: NEXT BUSINESS DAY CUTOVER IS 5:00 P.M. DAILY

         The on-line files will be refreshed during the early morning hours
usually between midnight and 7:00 a.m. These files will be cutover to the new
day as they become available.

         Data capture of new accounts, etc., will be available during the hours
as defined in the chart above. At the hour as stated above we will cutover the
capture to a new day such that anything entered after the cutover hour will
automatically be stored for the next processing day.

         CSI agrees to devote its best efforts to having the system available
according to the above schedule but cannot guarantee immediate and uninterrupted
access through the on-line computer system during the specified times. It will
be necessary to make an exception to the availability schedule for routine and
emergency hardware and software maintenance, project testing, etc. The Customer
agrees that off-line back-up procedures are necessary in the event that the
on-line system is not available and further agrees to make provisions for such
back-up procedures.

DATA PREPARATION, TRANSMISSION & CAPTURE -

         The accuracy of data transmitted through the on-line network and
captured on CSI's equipment is the responsibility of the Customer. CSI agrees to
provide reasonable controls and audit trails of such data but cannot guarantee
complete no-fail processing of such data. The Customer agrees that audit trail
of transactions from its own equipment is necessary and further agrees to
provide such audit trail. The Customer is responsible for the software necessary
to operate the terminal(s) and to provide message formats acceptable to CSI's
data capture network requirements.

EQUIPMENT-

         The Customer agrees to pay for all equipment and data communication
phone line(s) necessary to connect to CSI's computer. Such equipment may
include, but not necessarily be limited to terminal devices for the entry and
retrieval of data, modems for connecting to the phone lines, controllers,
concentrators and multiplexers as may be necessary by the Customer's desire to
have more terminals or as necessitated by the choice of terminals or as dictated
by response time requirements. It is understood that the expansion of the
terminal and related equipment is at the option of the Customer as it relates to
its convenience and method of doing business. However, the selection of brand of
terminal equipment and the message formats of the equipment at the Customer's
location(s) must be approved by CSI for compatibility.

CHARGES -

         Charges will be made monthly for services rendered the prior month.
Number of accounts will be those on file at the end of the month. All invoices
are payable ten days net.

    Pricing will be as follows:

         CONVERSION FEE:

                  Phone Line Installation Charges - Actual costs from telephone
                  company. (Quote provided will be based upon needs.)

         ON-LINE PROCESSING FEES:

<TABLE>
<S>                                        <C>
Per Account on the On-Line Data Base       $   .05
  (DDA and Savings accounts must be
  on-line as a minimum.)
First 100 on-line terminals                $ 22.50 ea.
Terminals 101-200                          $ 18.00 ea.
Terminals 201 and over                     $ 15.00 ea.
Extended Hours Coverage Option
  Per On-Line Data Base Account            $   .01
</TABLE>

         Extended Coverage includes On-Line usage and access for Sunday. Data
         Capture, New Accounts, etc., after normal hours, as outlined in the
         Service Description section, will be posted on the next business day's
         update.

         CSI will coordinate the installation of telephone circuits to the
         appropriate telephone service supplier, will receive billing for that
         service and re-bill the applicable cost to the Customer on a monthly
         basis.

CIF CONVERSION PREPARATION -

         The Customer agrees to provide adequate manpower to review CIF scrub
listing and to make corrections for compliance with CIF standards via the
on-line system in a timely manner. CSI agrees to perform its automated CIF scrub
routines twice and to provide the scrub listings to the Customer. In addition,
CSI will provide instruction to Customer personnel to assist in the conversion
process.

                               (continued on back)
<PAGE>

CHARGES -

         Charges will be made monthly for services rendered the prior month.
Number of accounts will be those on file at the end of the month. All invoices
are payable ten days net.

   Pricing will be as follows:

         CONVERSION FEE:

            $1,500.00 Fee to Automate CIF Scrubs & File Creation

         CIF PROCESSING FEES (Minimum Charge - $ .00):

<TABLE>
<S>                                             <C>
   Per Base CIF Account (Open Accounts
   and Marketing Modules)                       $   .05

ADDITIONAL SERVICES:.

   History Module Option
      Per Closed Account                        $   .02

   Remarks Module Option
      Per Remark                                $   .02
      Minimum Charge                            $100.00

   CIF Auxiliary Accounts Link
   (posted by 10th of month)
      Interface Charge Per Vendor               $ 1,500
      Per Balanced Refreshed                    $   .10
      Per CIF Auxiliary Account                 $   .02
      Monthly Minimum                           $150.00

      Daily CIF Maintenance Report
      Per Month                                 $   150
</TABLE>

                       (for available reports consult the
                           On Line & CIF User Manual)

<PAGE>

                                                               CSISUP60OL(10/00)

                            COMPUTER SERVICES, INC.
                     SUPPLEMENTAL DATA PROCESSING AGREEMENT
                        PASSPORT ACCOUNT RECONCILIATION

PROCESSING SCHEDULE

         The Account Reconciliation Program is a PC based program for building,
storing, and maintaining a database representing Issued, Paid, and Outstanding
Items on an account basis. Issued/paid checks can be downloaded from host
based DDA, AGL and COD applications. Items processed at CSI will be available
the following business day for downloading to your bank.

SYSTEM REQUIREMENTS

         Windows 95/98 PC or NT Server
         CSI Quicknet

CHARGES

         Charges will be made monthly for services rendered the prior month.

   Pricing will be as follows:

         One Time Software License:

               $995.00

         Monthly Processing Fee:

             $ .005    Per transaction per month
             $50.00    Monthly Minimum

<PAGE>

                                                               CSISUP61OL(9/98)

                            COMPUTER SERVICES, INC.
                     SUPPLEMENTAL DATA PROCESSING AGREEMENT
                          EZ SPEC/URSA "REPORT WRITER"

PROCESSING SCHEDULE -

         Report Writer will be available Monday through Saturday, excluding bank
holidays. Report files will be accessible in a minimum of 15 minutes for
individual applications and 30 minutes for relational reporting. Relational
non-scheduled reports (reports generated from data in multiple applications)
will be available after the first five (5) working days of the month.

         Reports generated from data in individual application files may be
produced on Demand or by using the Pre-scheduled option, which is a re-occurring
report or a report scheduled for a future date. All individual application
reports produced from EOM files must be Pre-scheduled (or pay a surcharge, see
non-scheduled reports below), and will be available no later than 8:00 a.m. CT
on the second business day following month end.

CHARGES -

         Charges will be made monthly for services rendered the prior month. All
invoices are payable ten days net.

   Pricing will be as follows:

      PROCESSING FEES:

<TABLE>
<S>                    <C>     <C>
Monthly Bundle
 (25 Reports)          $ 200   (must be established in the Bank Control Record)

Reports in Excess
 of Bundle Limits      $  10   per Report

If Bundle Pricing
 not in effect         $  50   per Report

Non-Scheduled reports
on first working day
of the month           $ 100   per Report
</TABLE>

BASIC PROCEDURES -

         Reports will be customized and written in bank and printed in bank.
Report specifications can be saved in private directories. Options are available
for flexible report formats and sorting, headings, field formatting and
mathematical formulas. Reports can be scheduled to run on a re-occurring basis,
a future date, overnight, and same day.

REPORT SCHEDULE -

   Same Day
   Overnight
   Future Date
   Re-occurring

<PAGE>

                                                               CSISUP63OL(7/99)

                                                 COMPUTER SERVICES, INC.
                                         SUPPLEMENTAL DATA PROCESSING AGREEMENT
                                              NYCE INTERCHANGE PROCESSING

SERVICE DESCRIPTION -

         CSI will provide computer equipment and software to permit Customer,
who is a user of the CSI Proprietary On-Line ATM Processing or Card Issue Only
service, to share transactions with other institutions in various network '
interchanges under agreement Customer has entered with NYCE.

BASIC PROCEDURES -

         Interchange transactions will be processed through Customer's NYCE
Devices (i.e. ATMs/POS terminals) and/or authorized against Customer's data
files by CSI. Customer's interchange transactions will be reported and a
settlement of Customer's net position with the interchange will be entered
through the Federal Reserve System under the ACH Service on a daily basis.
Customer's net settlement position will be calculated from data provided by NYCE
and/or its agent to CSI. CSI cannot guarantee the accuracy of the data provided
by NYCE or NYCE's agent and the resulting settlement position calculation and
therefore assumes no responsibility for the accuracy of the data furnished to
CSI by NYCE. Customer hereby agrees to indemnify and hold CSI harmless from any
error or omission and the damages resulting therefrom if it is reasonably
determined that the error or omission was a result of errors in data furnished
to CSI.

CHARGES -

         Charges will be made monthly for services rendered the prior month. All
invoices are payable ten days net.

         Pricing is as follows:

            $    .08    Per Interchange Transaction

            $ 215.00    Interchange/Interface Support

            Pro-rata Share of Federal Reserve
            Net Settlement Cost

PENALTIES -

         The Customer acknowledges that various networks may assess penalties
for non-compliance with network standards as defined from time to time in their
operating rules. Customer further acknowledges its liability for penalties
assessed against itself or CSI because of Customer's failure to comply with the
network standards.
<PAGE>

                                                               CSISUP71OL (7/95)

                             COMPUTER SERVICES, INC.
                     SUPPLEMENTAL DATA PROCESSING AGREEMENT
                 MONEY ACCESS CARD (MAC) INTERCHANGE PROCESSING

SERVICE DESCRIPTION

         CSI will provide computer equipment and software to permit Customer,
who is a user of the CSI Proprietary On-Line ATM Processing or Card Issue Only
service, to share transactions with other institutions under agreement Customer
has entered with MAC.

BASIC PROCEDURES

         Interchange transactions will be processed through Customer's ATM
terminals and/or authorized against Customer's data files by CSI. Customer's
interchange transactions will be reported and a settlement of Customer's net
position with the interchange will be entered through the Federal Reserve System
under the ACH Services on a daily basis. Customer's net settlement position will
be calculated from data provided by MAC and/or its agent to CSI. CSI cannot
guarantee the accuracy of the settlement data provided by MAC or MAC's agent and
therefore assumes no responsibility for the accuracy of the data furnished.
Customer hereby agrees to indemnify and hold CSI harmless from error or omission
and the damages resulting therefrom if it is reasonable determined that the
error or omission was a result of errors in data furnished to CSI.

MAC PRODUCT CHANGES

         From time to time MAC will make changes to their network operating
rules. Any costs incurred by CSI associated with making required technical
changes to support MAC operating rule changes may be prorated and passed on to
the CSI MAC user base.

CHARGES

         Charges will be made monthly for services rendered the prior month. All
invoices are payable ten days net.

     One Time Charges:

       Set up and implementation          $ 1,000

     Monthly Charges:

       Interchange/interface support      $   200

       Per interchange transaction        $   .08

PENALTIES

         The Customer acknowledges the MAC network may assess penalties for
non-compliance with network standards as defined from time to time in their
operating rules. Customer further acknowledges its liability for penalties
assessed against itself or CSI because of Customer's failure to comply with the
network standards.

<PAGE>

                                                              CSISUP72OL (11/00)

                             COMPUTER SERVICES, INC.
                     SUPPLEMENTAL DATA PROCESSING AGREEMENT
                           VISA CHECK CARD PROCESSING

SERVICE DESCRIPTION

         CSI will provide computer equipment and software to permit Customer,
who is a user of the CSI Proprietary On-Line ATM Processing or Card Issue Only
service, to perform debit transactions on Visa designated devices. These
transactions will be controlled by the Operating Rules of Visa as to type and
duration of service. Customer agrees to be responsible for complying with all
Visa rules and regulations as they may apply to Customers use of this service.

BASIC PROCEDURES

         Visa debit transactions will be authorized against Customer's data
files by CSI. CSI will provide holds, transaction matching, and funds settlement
for the debit transactions. Customers debit transactions will be reported and a
settlement of Customer's net position with Visa will be entered through the
Federal Reserve System or an account with a financial institution, designated by
CSI, under the ACH Service on a daily basis. Customer's net position will be
calculated from data provided by Visa and/or its agent to CSI. CSI can not
guarantee the accuracy of the data provided by Visa or Visa agent and the
resulting settlement calculation and therefore assumes no responsibility for the
accuracy of the data furnished to CSI by Visa. Customer hereby agrees to
idemnify and hold CSI harmless from any error or omission and the damages
resulting therefrom if it is reasonably determined that the error or omission
was a result of errors in data furnished to CSI.

PASS THROUGH CHARGES

         Customer agrees to pay all one time and monthly recurring charges from
Visa for use of the Visa Check Card service. From time to time Visa may require
changes.

         Any expenses that CSI may incur because of Visa required product
changes may be prorated and charged to the CSI product user base.

         Customer agrees to pay all one time and monthly recurring charges from
NYCE or other CSI designated organization for Visa sponsorship and Visa
quarterly report preparation.

CHARGES

         One time charges are due and payable upon supplemental signing.

                       $2500          Implementation and Setup

Charges will be made monthly for services rendered the prior month. All invoices
are payable ten days net.

                       $.16           Per Transaction
                       $.18           Per Card Account File

                       $200      Monthly Minimum

Exception item Handling:

                       $2.00     Per Draft Retrieval Request/Fee Collection Item

                       $15.00    Per Outgoing Chargeback/Presentment

                       $15.00    Per Incoming Chargeback/Presentment

                       $20.00    Lost/Stolen Card Report

These exception item charges are for CSI handling/data-entry of exception items.

PENALTIES

         The Customer acknowledges the Visa network may assess penalties for
non-compliance with network standards as defined from time to time in their
operating rules. Customer further acknowledges its liability for penalties
assessed against itself or CSI because of Customer's failure to comply with the
network standards.

<PAGE>

                                                                      CSISUP79OL

                             COMPUTER SERVICES INC.
                     SUPPLEMENTAL DATA PROCESSING AGREEMENT
                               CSI PASSPORT TELLER

DESCRIPTION:

Computer software products and related documentation for use on microcomputers
for teller automation. In addition, CSI will provide computer equipment and
software at its computer center to support an on-line micro computer using CSI
Passport Teller On-Line Teller Machine System. Memo posting on-line data files
and accessing the central information file will be provided by CSI under the
terms of this agreement.

CHARGES:

Charges will be made monthly for services rendered the prior month. All invoices
are payable ten days net. Pricing will be as follows:

Monthly Processing Fees:
Per Teller Station     $12.00

One Time Charges:
Initial purchase;

$2,500.00 Initial Setup Fee - First Location

$1,500.00 Initial Setup Fee - Additional Location(s)

$ 600.00 Per Unit Software Cost
$ (100.00) Deduction if sold with CSI supplied CPU, monitor and printer

Upgrade or Additional purchase:

$1,500.00 Setup Fee - Per Location

The following fees can be deducted from the per location set-up fee if the
services are not used.

         $   300.00 - Training

         $   300.00 - Installation

         $   900.00 - On-site support
         (up to 3 days - $300.00 per day)

$ 600.00 Per Unit Software Cost

$ (100.00) Deduction if sold with CSI supplied CPU, monitor and printer

AVAILABILITY:

The on-line system will be available in accordance with availability schedule
outlined in On-Line Memo Posting and Data Capture Supplemental Agreement.

EQUIPMENT:

The customer agrees to pay for all equipment used to connect the bank's
microcomputer(s) to the CSI host system. Such equipment may include but not
necessarily be limited to the modems, multiplexers, etc., as may be necessitated
by the Customer's response time requirements. However, the selection of brand
and model of equipment at the Customer's location(s) must be approved by CSI for
compatibility.

ACTIVITY PROCESSING:

The accuracy of data transmitted from the bank's microcomputer and captured on
CSI's equipment is the responsibility of the Customer. CSI agrees to provide
reasonable controls and audit trails of such data, but cannot guarantee complete
no-fail processing. The Customer acknowledges that audit trail of transactions
from its own equipment is necessary and agrees to provide such audit trail.

SOFTWARE:

Subject to the terms and conditions of the Agreement, effective upon payment of
sums due, CSI hereby grants to the Customer the following and no other rights
and licenses:

         A non-exclusive, non transferable right and license to use, in object
         code only, the software program(s) ("Subject Programs") through which
         any of the services subject to Supplemental Agreements are provided by
         CSI to the Customer, for the sole purposes contemplated by this
         Agreement.

No modification or preparation of derivative works of Subject Programs
whatsoever is permitted. The Customer may not copy, modify or adapt any portion
of the Subject Programs provided by CSI. CSI is not responsible for any
adaptations, or the compatibility of any software, equipment or service with
such adaptations.

CONFIDENTIALITY OF SUBJECT PROGRAMS; PROTECTION AND SECURITY:

CSI shall use all reasonable efforts to protect and defend the proprietary
nature of the Subject Programs. Except as expressly provided otherwise in this
Agreement, the customer shall not copy, modify, transcribe, store, translate,
sell, lease or otherwise transfer or distribute any of the Subject Programs
(including enhancements thereto), in whole or in part, without prior
authorization in writing from CSI.

All Subject Programs shall be marked with such copyright, patent or other
notices, proprietary legends, or restrictions as CSI may require. The Customer
agrees not to remove or destroy any proprietary markings, confidential legends
or copyright notices placed upon or contained within the Subject Program or any
related material.

The customer agrees to return promptly to CSI upon the earlier of the expiration
of the term of this Agreement, or discontinuance of use, all Subject Programs,
copies thereof and related materials.

<PAGE>

                             [PASSPORT TELLER LOGO]
                                LICENSE AGREEMENT

<TABLE>
<CAPTION>
BRANCHES                                                 # TELLER         INSTALL
(Authorized site locations):                             STATIONS         DATE
<S>                                                   <C>               <C>
1. _______________________________________________    ______________    ____________

2. _______________________________________________    ______________    ____________

3. _______________________________________________    ______________    ____________

4. _______________________________________________    ______________    ____________

5. _______________________________________________    ______________    ____________

6. _______________________________________________    ______________    ____________

7. _______________________________________________    ______________    ____________

8. _______________________________________________    ______________    ____________

9. _______________________________________________    ______________    ____________

10. ______________________________________________    ______________    ____________
</TABLE>

BANK NAME:_________________________________________________________________

BY: ____________________________________________________

TITLE: _________________________________________________

DATE: __________________________________________________
<PAGE>

                                                               CSISUP80OL(10/00)

                             COMPUTER SERVICES, INC.
                     SUPPLEMENTAL DATA PROCESSING AGREEMENT
                                     CSINET

PROCESSING SCHEDULE -

         Retrieval of Internet information will be available from any on-line PC
equipped with Internet browser software in the bank. This information will be
displayed on the Customer's PC or printed in the Customer's bank from any
printer.

CHARGES -

         Charges will be made monthly for services based on the volume of
information sent and received through CSI for the Customer the prior month.
Volume is measured in bytes with a single unit equal to one billion bytes (one
{"GB"}). (AH invoices are payable ten days net.)

Unit price is as follows:

         Monthly Minimum:     $100.00

         Processing Fee:

0 GB through 5GB              $100.00 per GB
>5 GB through 15 GB           $ 50.00 per GB
>15GB                         $ 25.00 per GB

         This pricing includes ten email accounts at no additional cost.

         Each additional email account (greater than 10) will be billed at $4.50
         per account per month.

         Prices not subject to normal processing discounts.

         Prices subject to change with thirty (30) days notice.

         CSINet Agreement can be cancelled at any time with thirty (30) days
         notice.

SERVICE DESCRIPTION -

         CSI agrees to provide and maintain a dedicated high-speed Internet
connection and to protect this connection through the installation and continued
maintenance of a "Firewall" configured for the purpose of restricting
undesirable traffic. CSI further agrees to install and maintain monitoring
software for the purpose of restricting access to pornographic and other
inappropriate sites, and to generate reports to help monitor and manage usage.

REQUIREMENTS -

         Customer must be on-line with CSI and meet these minimum requirements:

         1.       Utilization of the TCP/IP communications protocol

         2.       Personal Computers with Windows NT, Windows 95/98 or later

         3.       A Browser (Netscape 4.01 or later or (Internet Explorer 4.01
                  or later), including those with built-in dialer/IP support

ACKNOWLEDGMENT; INDEMNIFICATION -

         The Customer acknowledges and agrees that CSI is only providing the
electronic interface between the Customer and CSI for the purpose of the
Customer's accessing the Internet and that CSI is not responsible to the
Customer or any other person for the content of any information so accessed by
the Customer. In this regard, the Customer specifically acknowledges, without
limitation, the applicability of its obligation pursuant to the Data Processing
Agreement to hold harmless, defend and indemnify CSI against third party claims,
actions and demands.

<PAGE>

                                                                CSISUP86OL(5/99)

                             COMPUTER SERVICES INC.
                     SUPPLEMENTAL DATA PROCESSING AGREEMENT
                              CSI PASSPORT PLATFORM

DESCRIPTION -

         Computer software products and related documentation for use on
microcomputers for the purpose of deposit account automation. In addition, CSI
will provide computer equipment and software at its computer center to support
an on-line microcomputer using the CSI Passport Platform system. Memo posting
on-line data files, accessing the central information file, and capturing file
maintenance activity for posting to batch applications will be provided by CSI
under the terms of this Agreement.

CHARGES -

         Charges will be made monthly for services rendered the prior month. All
invoices are payable ten days net.

         Pricing will be as follows:

         MONTHLY USAGE AND MAINTENANCE FEE:

         Per Platform Station           $    50.00

         ONE TIME CHARGES:

         *Initial purchase:

         License                        $ 5,000.00

         Training /Implementation       $ 2,500.00

         *Holding Company pricing is available. Contact Product Marketing for
details.

AVAILABILITY -

         The on-line system will be available in accordance with availability
schedule outlined in On-Line Memo Posting and Data Capture Supplemental
Agreement.

 EQUIPMENT -

         The Customer agrees to pay for all equipment used to connect the bank's
microcomputer(s) to the CSI host system. Such equipment may include but not
necessarily be limited to the modems, multiplexers, etc., as may be necessitated
by the Customer's response time requirements. However, the selection of brand
and model of equipment at the Customer's location(s) must be approved by CSI for
compatibility.

FORMS -

         The use of electronic forms in the Passport Platform system is not part
of this Agreement. If electronic compliance forms are used, the Bank must
license the use of the forms directly from an approved forms vendor. Electronic
forms may periodically require updates. CSI will make available updated forms
within 90 days of receipt of forms changes from approved vendor.

ACTIVITY PROCESSING -

         The accuracy of data transmitted from the bank's microcomputer and
captured on CSI's equipment is the responsibility of the Customer. CSI agrees to
provide reasonable controls and audit trails of such data, but cannot guarantee
complete no-fail processing. The Customer acknowledges that audit trail of
transactions from its own equipment is necessary and agrees to provide such
audit trail.

SOFTWARE -

         Subject to the terms and conditions of the Agreement, effective upon
payment of sums due, CSI hereby grants to the Customer the following and no
other rights and licenses:

        A non-exclusive, non transferable right and license to use, in object
        code only, the software program(s) ("Subject Programs") through which
        any of the services subject to Supplemental Agreements are provided by
        CSI to the Customer, for the sole purposes contemplated by this
        Agreement.

         No modification or preparation of derivative works of Subject Programs
whatsoever is permitted. The Customer may not copy, modify or adapt any portion
of the Subject Programs provided by CSI. CSI is not responsible for any
adaptations, or the compatibility of any software, equipment or service with
such adaptations.

CONFIDENTIALITY OF SUBJECT PROGRAMS;
PROTECTION AND SECURITY -

         CSI shall use all reasonable efforts to protect and defend the
proprietary nature of the Subject Programs. Except as expressly provided
otherwise in this Agreement, the Customer shall not copy, modify, transcribe,
store, translate, sell, lease or otherwise transfer or distribute any of the
Subject Programs (including enhancements thereto), in whole or in part, without
prior authorization in writing from CSI.

         All Subject Programs shall be marked with such copyright, patent or
other notices, proprietary legends, or restrictions CSI may require. The
Customer agrees not to remove or destroy any proprietary markings, confidential
legends or copyright notices placed upon or contained within the Subject Program
or any related material.

         The Customer agrees to return promptly to CSI upon the earlier of the
expiration of the term of this Agreement or discontinuance of use, all Subject
Programs, copies thereof and related materials.

<PAGE>

                                                                      CSISUP93OL

                             COMPUTER SERVICES INC.
                     SUPPLEMENTAL DATA PROCESSING AGREEMENT
                           INTERNET BANKING INTERFACE

SERVICE DESCRIPTION:

         CSI will provide host access to the Bank's customers for the purpose of
Internet Banking. The information may include:

         -        DDA balances

         -        DDA statement activity (current and previous month)

         -        SAV balances

         -        SAV statement activity (current and previous month)

         -        LNS balances

         -        IRA balances

         -        Transfers between DDA and SAV

PROCESSING SCHEDULE:

         On-line interface for upload of data from CSI to will be available on a
continuous basis seven (7) day a week. CSI agrees to devote its best efforts to
having the system available according to the above specified time, but cannot
guarantee immediate and uninterrupted access.

SECURITY:

         Communication lines and equipment between CSI and the Internet Banking
Vendor are owned and/or supported by the Vendor. At CSI's recommendation, the
Vendor has agreed to utilize encryption routers on the public frame relay line
installed between CSI and Vendor. In addition, CSI has required the use of a
Password scheme that required 8 digits, alpha/numeric and case sensitive for
client access.

CHARGES:

         Charges will be made monthly for services rendered the prior month. All
invoices are payable ten days net. Pricing will be as follows:

One Time Fees:
 Installation                  $1,500.00

Monthly Processing Fees:
 Interface                     $  150.00

Data Comm Connections          $  112.50
 (5 station addresses at       $   22.50 each)<PAGE>
                                                                   EXHIBIT 10.22

                                 LOAN AGREEMENT

         THIS LOAN AGREEMENT is made and entered into as of the ____ day of
March, 2004, by and between:

                  SOUTHERN COMMUNITY BANCORP, a Florida corporation, 250 North
                  Orange Avenue, Orlando, Florida 32801 (hereinafter referred to
                  as the "Borrower");

                                       and

                  SUNTRUST BANK, a Georgia corporation, 200 South Orange Avenue,
                  Orlando, Florida 32801 (hereinafter referred to as the
                  "Bank").

                              W I T N E S S E T H:

         WHEREAS, the Borrower has requested the Bank to extend a revolving line
of credit loan to it in the maximum principal amount of $5,000,000.00; and

         WHEREAS, the Bank is willing to make such loan upon the terms and
conditions set forth in this Agreement.

         NOW, THEREFORE, for and in consideration of the above premises and the
mutual covenants and agreements contained herein, the Borrower and the Bank
agree as follows:

                                    ARTICLE I

                        DEFINITIONS AND ACCOUNTING TERMS

         SECTION 1.1 DEFINITIONS. For the purposes of this Agreement, the
following terms shall have the respective meanings specified in this Section 1.1
(such meanings to be equally applicable to both the singular and plural forms of
the terms defined):

         "ADVANCE" shall mean individually and collectively the proceeds of the
Loan delivered to the Borrower by the Bank pursuant to Section 2.2 hereof.

         "AGREEMENT" shall mean this Loan Agreement as originally executed by
the parties hereto and all amendments and modifications hereof.

         "AUTHORIZED REPRESENTATIVE" shall mean any one or more of the officers,
employees or other representatives listed on EXHIBIT "A" attached hereto or
hereafter designated from time to time by the Borrower to the Bank in a written
notice in the form of EXHIBIT "B", who may request Advances under the Loan or
take other action by or on behalf of the Borrower in connection with the Loan.

         "BANKING DAY" shall mean any Day other than a Saturday, Sunday or Day
on which commercial banks are authorized to close under the laws of the State of
Florida.

<PAGE>

         "CASH BASIS LOANS" shall mean loans in which the accrual of interest
has been discontinued due to a deterioration in the financial condition of any
borrower.

         "COMMITMENT FEE" shall mean the non-refundable fee paid by the Borrower
to the Bank pursuant to Section 2.12 hereof.

         "COVENANT COMPLIANCE CERTIFICATE" shall mean a certificate, in form and
content satisfactory to the Bank, which shall (i) set forth the various
financial covenants and ratios which the Borrower is required to comply with
during the term of this Agreement, (ii) contain calculations reflecting whether
or not the Borrower is in compliance with each such financial covenants or ratio
requirements, (iii) contain a statement as to whether or not the Borrower is in
default under the Loan Agreement or any of the other Loan Documents, and, if the
Borrower is in default, such statement shall indicate the nature thereof as well
as the steps which Borrower proposes to take in order to cure said default, and
(iv) be certified to be true and correct by an Authorized Representative of the
Borrower acceptable to the Bank.

         "DAY" shall mean a calendar day, unless the context indicates
otherwise.

         "DEBT SERVICE COVERAGE RATIO" shall mean the ratio of (a) fifty percent
(50%) of Net Income during the previous four (4) quarters to (b) the pro forma
debt service payable in respect of the Loan during the same period, assuming
full funding and a seven-year amortization of principal plus interest at a fixed
rate equal to five percent (5%).

         "DEFAULT RATE" shall mean the lesser of (i) twenty-five percent (25%)
per annum or (ii) the highest rate of interest permitted from time to time by
applicable law.

         "DUE DATE" shall mean the date any payment of principal or interest is
due and payable on the Loan or Note.

         "EVENT OF DEFAULT" shall mean an event of default specified in Article
Six of this Agreement.

         "GAAP" shall mean generally accepted accounting principles consistently
applied to the particular item.

         "INTEREST PAYMENT DATE" shall mean the last Day of each and every
calendar quarter, commencing on the last Day of the calendar quarter in which
the Borrower obtains its first Advance.

         "INTEREST PERIOD" shall mean 90 Days or any other period requested by
the Borrower and approved by the Bank in its sole and absolute discretion.

         "INTEREST RATE" shall mean the applicable rate of interest to be borne
by the Note (except when the Default Rate is in effect), which shall be a rate
per annum equal to LIBOR plus one hundred eighty-five basis points (i.e.,
1.85%), provided however, that the interest rate shall never exceed the maximum
rate allowable by applicable law from time to time.

         "INTEREST RATE DETERMINATION DATE" shall mean each date for calculating
LIBOR, as the case may be, for purposes of determining the Interest Rate in
respect of an Interest Period, and which shall be the second Banking Day prior
to the first Day of the applicable Interest Period for any Interest Period.

                                       2
<PAGE>

         "LIABILITIES" shall mean all liabilities and obligations of the
Borrower, all as determined in accordance with GAAP.

         "LIBOR" shall mean the interest rate per annum equal to the ninety (90)
Day London Interbank Offered Rate for deposits in Dollars as published in the
WALL STREET JOURNAL in effect on the Interest Rate Determination Date. If the
foregoing rate is unavailable from the WALL STREET JOURNAL for any reason, then
such rate shall be determined by the Bank from any other publication or interest
rate reporting service of recognized standing designated in writing from time to
time by the Bank to the Borrower; in any such case rounded, if necessary, to the
next higher 1/16 of 1.0%, if the rate is not such a multiple.

         "LOAN" shall mean the revolving line of credit loan extended to the
Borrower by the Bank pursuant to the terms hereof.

         "LOAN DOCUMENTS" shall mean this Agreement, the Note and all of the
other documents, agreements, certificates, schedules, notes, statements and
opinions, however described, referenced herein or executed or delivered pursuant
hereto or in connection with or arising with the Loan or the transactions
contemplated by this Agreement.

         "MATURITY DATE" shall mean the earlier to occur of (a) March _____,
2005; (b) the occurrence of an Event of Default; or (c) any change in the
control or ownership of the Borrower and/or any of its Subsidiaries; or such
later date as the Bank, in its sole and absolute discretion, may agree to in
writing.

         "NET CHARGE-OFF RATIO" shall mean the ratio of (a) the Borrower's total
charge-offs minus total recoveries (on a rolling four-quarter basis) to (b) its
Total Loans.

         "NET INCOME" shall mean, for any period, the aggregate of the net
income of the Borrower determined in accordance with GAAP.

         "NON-PERFORMING ASSETS" shall mean the aggregate sum of consolidated
(a) Cash Basis Loans, (b) loans ninety (90) Days or more past due, (c)
Renegotiated Loans, (d) Other Real Estate and (e) other assets described as
"other non-performing assets" on Borrower's consolidated financial statements.

         "NON-PERFORMING ASSETS RATIO" shall mean the ratio of (a)
Non-Performing Assets to (b) (i) Total Loans plus (ii) Other Real Estate.

         "NOTE" shall mean the Borrower's promissory note or notes evidencing
the Loan together with all amendments, modifications, renewals, supplements or
replacements thereof.

         "OBLIGATIONS", with respect to the Borrower, shall mean, individually
and collectively, all payment and performance duties, obligations and
liabilities of the Borrower to the Bank, however and whenever incurred, acquired
or evidenced, whether primary or secondary, direct or indirect, absolute or
contingent, sole or joint and several, or due or to become due, including,
without limitation, all such duties, obligations and liabilities of the Borrower
to the Bank, under and pursuant to the Loan Documents and all renewals,
modifications or extensions of any thereof.

         "OTHER REAL ESTATE" shall mean real estate acquired by the Borrower as
a result of a deterioration in the financial position of any borrower.

         "PERMITTED LOAN LIMIT" shall mean $5,000,000.00.

                                       3
<PAGE>

         "PERSON" shall mean any individual, joint venturer, partnership, firm,
corporation, trust, unincorporated organization or other organizational entity,
or a governmental body or any department or agency thereof, and shall include
both the singular and the plural.

         "PRINCIPAL PLACE OF BUSINESS" shall mean the principal place of
business and the headquarters of the Borrower at which all of its records are
kept which is noted in the preamble of this Agreement.

         "RENEGOTIATED LOANS" shall have the meaning assigned to such term
pursuant to federal banking laws, rules and regulations and shall include,
without limitation, loans that have been renegotiated or restructured to provide
a reduction or deferral of interest or principal because of a deterioration in
the financial position of any borrower.

         "REVOLVING PERIOD" shall mean the period during the term of the Loan,
commencing on the date hereof and ending on the occurrence of (i) an Event of
Default or (ii) the Maturity Date, whichever first occurs, or such later date as
the Bank may in its absolute discretion agree to in writing.

         "SCB" shall mean Southern Community Bank, a Florida corporation, and a
wholly-owned Subsidiary of the Borrower.

         "SCBSW" shall mean Southern Community Bank of Southwest Florida, a
Florida corporation, and a wholly-owned Subsidiary of the Borrower.

         "SCBS" shall mean Southern Community Bank of South Florida, a Florida
corporation, and a wholly-owned Subsidiary of the Borrower.

         "STOCK" shall mean one hundred percent (100%) of the issued and
outstanding common capital stock of the Borrower's Subsidiaries.

         "SUBSIDIARY" shall mean any corporation whose assets and income are
includible in the financial statements of the Borrower in accordance with GAAP,
and shall include subsidiaries of a subsidiary.

         "TANGIBLE EQUITY RATIO" shall mean the ratio of (a) the Borrower's GAAP
tangible equity to (b) its GAAP tangible assets.

         "TOTAL LOANS" shall mean all loans and leases, net of unearned income.

         "UCC" shall mean the Florida Uniform Commercial Code, Chapters 671 to
680, inclusive, as the same may now exist or may hereafter be amended from time
to time.

         SECTION 1.2 ACCOUNTING TERMS; TESTING OF FINANCIAL RATIOS. All
accounting terms used herein shall be construed in accordance with GAAP
consistently applied and all financial data submitted pursuant to this Agreement
shall be prepared in accordance with GAAP. In the event of ambiguities in GAAP,
the more conservative principle or interpretation shall be used.

                                       4
<PAGE>

                                   ARTICLE II

                          AMOUNT AND TERMS OF THE LOAN

         SECTION 2.1 THE LOAN. The Bank agrees from time to time during the
Revolving Period to lend to the Borrower upon the request of the Borrower up to
the aggregate principal amount of the Permitted Loan Limit on the terms and
conditions set forth herein. During the Revolving Period, the Borrower shall be
entitled to receive up to the amount of the Permitted Loan Limit in one or more
Advances pursuant to Section 2.2 hereof, except as otherwise specifically set
forth in this Agreement. Advances under the Loan shall be evidenced by the Note
and shall be payable as set forth in Section 2.8 hereof. The Borrower shall not
be liable under the Note except with respect to funds actually advanced to the
Borrower by the Bank pursuant to the terms hereof. The Loan may revolve during
the Revolving Period; accordingly, during the Revolving Period, the Borrower may
borrow up to the Permitted Loan Limit, repay all or any portion of such
principal amount of the Loan, and reborrow up to such amount, subject to the
terms and conditions set forth herein. After the expiration of the Revolving
Period, the Borrower shall not be entitled to receive any further Advance.

         SECTION 2.2 ADVANCE OF PROCEEDS ON LOAN. After the date hereof, and
upon satisfaction of the conditions precedent set forth in Article V hereof, the
Borrower shall be entitled to obtain additional Advances under the Loan. The
Borrower shall give the Bank written notice (or facsimile transmission,
immediately confirmed by telephone by an Authorized Representative and further
confirmed by sending the original notice to the Bank so that the same is
received by the Bank no later than three (3) Banking Days after the date of the
facsimile transmission) (a "Notice of Borrowing"), which Notice of Borrowing
shall be given prior to 2:00 p.m. Orlando, Florida time and such Notice of
Borrowing shall be in the form attached hereto as EXHIBIT "C" or in such other
form as may be acceptable to the Bank in its sole and absolute discretion, shall
be signed by one of the Authorized Representatives and shall specify (a) the
proposed date of the Advance (which shall be a Banking Day), (b) the amount of
the proposed borrowing (minimum principal amount of $10,000.00) and (c) that on
the date of the Notice of Borrowing there has been no material adverse change in
the financial condition of the Borrower from that set forth on the most recent
annual financial statements furnished to the Bank as provided in this Agreement.
The Notice of Borrowing shall be irrevocable by the Borrower on or after the
related Interest Rate Determination Date and the Borrower shall be bound to make
a borrowing in accordance therewith. The Bank shall have no liability to the
Borrower for acting upon any request for an Advance believed by Lender in good
faith to be from an Authorized Representative. The Bank shall make each Advance
hereunder on the date proposed by the Borrower therefor by crediting the amount
of each Advance requested by the Borrower to the general deposit account of the
Borrower maintained with the Bank, or in such other manner as the Borrower may
request in such Notice of Borrowing and as is agreeable to the Bank. Each
request for an Advance shall be deemed to restate and verify all representations
of the Borrower made herein as of the date of such request.

         SECTION 2.3 INTEREST ON THE NOTE. The Loan shall be evidenced by the
Note and shall be due and payable in accordance with and as required by Section
2.8. The Note shall bear interest from the date thereof through maturity
(whether by acceleration or otherwise) on the unpaid principal balance thereof
from time to time outstanding at the Interest Rate and shall be payable as set
forth in Section 2.8 hereof. From and after the Due Date, interest shall accrue
on the unpaid principal balance of the Loan and on all accrued but unpaid
interest thereon, or on such defaulted payment, from the Due Date at the Default
Rate. Such interest shall continue to accrue until the date of payment in full
of all principal and accrued but unpaid interest of such defaulted payment, if
applicable.

                                       5
<PAGE>

         SECTION 2.4 PREPAYMENT OF THE LOAN. The Borrower may at any time and
from time to time prepay all or any part of the principal amount of the Loan
outstanding without penalty; provided, however, on the date of the prepayment,
there shall exist no default and, in the event of a prepayment in full, all
accrued but unpaid interest on the amount of the prepayment through the
prepayment date, whether or not due and payable, shall be paid in full prior to
any prepayment. Each prepayment other than full payment shall be made prior to
2:00 p.m. (Orlando time) on the date of the prepayment, and shall be made on a
Banking Day in immediately available funds.

         SECTION 2.5 CALCULATION OF INTEREST. Any interest due on the Loan or
any other Obligations shall be calculated on the basis of a year containing 360
Days. The interest due on any date for payment of interest hereunder shall be
that interest to the extent accrued as of midnight on the last Day immediately
prior to that Interest Payment Date. Notwithstanding anything herein or in any
Loan Document to the contrary, the sum of all interest and all other amounts
deemed interest under Florida or other applicable law which may be collected by
the Bank hereunder shall not exceed the maximum lawful interest rate permitted
by such law from time to time. The Bank and the Borrower intend and agree that
under no circumstance shall the Borrower be required to pay interest on the Loan
or on any other Obligations at a rate in excess of the maximum interest rate
permitted by applicable law from time to time, and in the event any such
interest is received or charged by the Bank in excess of that rate, the Borrower
shall be entitled to an immediate refund of any such excess interest by a credit
to and payment toward the unpaid balance of the Loan (such credit to be
considered to have been made at the time of the payment of the excess interest)
with any excess interest not so credited to be immediately paid to the Borrower
by the Bank.

         SECTION 2.6 PLACE OF PAYMENT. All payments by the Borrower under the
Loan Documents shall be made to the Bank at its banking house at Orlando,
Florida, in lawful money of the United States of America and in immediately
available funds.

         SECTION 2.7 SET-OFF. The Borrower hereby grants to the Bank a lien on,
and a security interest in, the deposit balances, accounts, items, certificates
of deposit and monies of the Borrower in the possession of or on deposit with
the Bank to secure and as collateral for the payment and performance of the
Obligations. Upon default, the Bank may at any time and from time to time,
without demand or notice, appropriate and set-off against and apply the same to
the Obligations when and as due and payable.

         SECTION 2.8 PAYMENT OF NOTE. The Borrower shall pay the Note together
with interest at the rate set forth in Section 2.3 as follows:

                  (a) INTEREST. Interest shall be payable on each Interest
Payment Date, upon the occurrence of an Event of Default and on the Maturity
Date.

                  (b) PRINCIPAL. The entire outstanding principal balance and
all accrued but unpaid interest shall be due and payable in full on the earlier
of (i) the Maturity Date or (ii) the occurrence of an Event of Default.

                  (c) MANDATORY PRINCIPAL PAYMENTS. To the extent that at any
time the principal balance outstanding on the Loan exceeds the Permitted Loan
Limit, the Borrower shall make principal payments in the amounts necessary to
reduce the aggregate of all borrowings under the Loan to the Permitted Loan
Limit; such payments shall be due and payable on the date on which such
imbalance occurs.

         SECTION 2.9 APPLICATION OF PAYMENTS. All payments made on the Note
shall be applied first to interest accrued to the date of payment and next to
the unpaid principal balance; provided, however, in the event an Event of

                                       6
<PAGE>

Default occurs, payments shall be applied first to any costs or expenses,
including reasonable attorneys fees, that the Bank may incur in exercising its
rights under the Loan Documents, as the Bank may determine.

         SECTION 2.10 LATE CHARGES. If any Loan payment is not made within
fifteen (15) Days after the Due Date, then, in that event, there shall also be
paid to the Bank, a late charge equal to five percent (5%) of the payment that
is due on the Due Date and not paid. The purpose of such late charge shall be to
reimburse the Bank for its costs and expenses in connection with servicing a
delinquent account.

         SECTION 2.11 DETERMINATION OF INTEREST RATE. As soon as practicable
after 11:00 A.M. Orlando, Florida time, on the Interest Rate Determination Date,
Bank shall determine (which determination shall, absent manifest error, be
final, conclusive and binding upon all parties) the Interest Rate which shall
apply to the Loan for the applicable Interest Period and shall promptly give
notice thereof (in writing or by telephone confirmed in writing) to the
Borrower.

         SECTION 2.12 COMMITMENT FEE. The Borrower shall pay to the Bank a
non-refundable Commitment Fee in the amount of $5,000.00, payable on the date
hereof. The Borrower acknowledges that this Commitment Fee represents the Bank's
promise to extend the Loan and compensation for the Bank's time and expense of
underwriting the Loan, and that such Commitment Fee was fully earned by the Bank
upon the date hereof regardless of whether this Agreement is executed or any
amounts are advanced are made under the Loan.

                                   ARTICLE III

                         REPRESENTATIONS AND WARRANTIES

The Borrower represents and warrants to the Bank that:

         SECTION 3.1  ORGANIZATION, CORPORATE POWERS, ETC.

                  (a) The Borrower (i) is a corporation duly organized, validly
existing and in good standing under the laws of the State of Florida (ii) has
all requisite power and authority, corporate and otherwise, to own its
properties and assets and to carry on its business as now conducted and proposed
to be conducted, (iii) is duly qualified to do business and is in good standing
in every jurisdiction in which the character of its properties or assets owned
or the nature of its activities conducted makes such qualification necessary
including the State of Florida, and (iv) has the corporate power and authority
to execute and deliver, and to perform its obligations under this Agreement, the
Note and the other Loan Documents.

                  (b) SCB (i) is a corporation duly organized, validly existing
and in good standing under the laws of the State of Florida, (ii) has all
requisite power and authority, corporate and otherwise, to own its properties
and assets and to carry on its business as now conducted and proposed to be
conducted, (iii) is duly qualified to do business and is in good standing in
every jurisdiction in which the character of its properties or assets owned or
the nature of its activities conducted makes such qualification necessary
including the State of Florida, and (iv) has the corporate power and authority
to execute and deliver, and to perform its obligations under any of the Loan
Documents to which it may be a party from time to time.

                  (c) SCBSW (i) is a corporation duly organized, validly
existing and in good standing under the laws of the State of Florida, (ii) has
all requisite power and authority, corporate and otherwise, to own its
properties and assets and to carry on its business as now conducted and proposed
to be conducted, (iii) is duly qualified to do business and is in good standing
in every jurisdiction in which the character of its properties or assets owned
or the nature of its activities conducted makes such qualification necessary
including the State of Florida, and (iv) has the corporate power and authority

                                       7
<PAGE>

to execute and deliver, and to perform its obligations under any of the Loan
Documents to which it may be a party from time to time.

                  (d) SCBS (i) is a corporation duly organized, validly existing
and in good standing under the laws of the State of Florida, (ii) has all
requisite power and authority, corporate and otherwise, to own its properties
and assets and to carry on its business as now conducted and proposed to be
conducted, (iii) is duly qualified to do business and is in good standing in
every jurisdiction in which the character of its properties or assets owned or
the nature of its activities conducted makes such qualification necessary
including the State of Florida, and (iv) has the corporate power and authority
to execute and deliver, and to perform its obligations under any of the Loan
Documents to which it may be a party from time to time.

         SECTION 3.2 AUTHORIZATION OF LOAN, ETC. The execution, delivery and
performance of the Loan Documents by the Borrower (a) have been duly authorized
by all requisite corporate action (no shareholder action being required pursuant
to applicable law) and (b) will not (i) violate (A) any provision of law, any
governmental rule or regulation, any order of any court or other agency of
government or the Articles of Incorporation or Bylaws of the Borrower or (B) any
provision of any indenture, agreement or other instrument to which the Borrower
is a party or by which it or any of its properties or assets are bound, (ii) be
in conflict with, result in a breach of or constitute (with due notice or lapse
of time or both) a default under any such indenture, agreement or other
instrument, or (iii) result in the creation or imposition of any lien, charge or
encumbrance of any nature whatsoever upon any of the properties or assets of the
Borrower other than as permitted by the terms hereof.

         SECTION 3.3 TAX RETURNS AND PAYMENTS. All federal, state and local tax
returns and reports of the Borrower required to be filed have been filed, and
all taxes, assessments, fees and other governmental charges upon the Borrower,
or upon any of its properties, assets, incomes or franchises, which are due and
payable in accordance with such returns and reports, have been paid, other than
those presently (a) payable without penalty or interest, or (b) contested in
good faith and by appropriate and lawful proceedings prosecuted diligently. The
aggregate amount of the taxes, assessments, charges and levies so contested is
not material to the condition (financial or otherwise) and operations of the
Borrower. The charges, accruals, and reserves on the books of the Borrower in
respect of federal, state and local taxes for all fiscal periods to date are
adequate and the Borrower knows of no other unpaid assessment for additional
federal, state or local taxes for any such fiscal period or of any basis
therefor.

         SECTION 3.4  AGREEMENTS.

                  (a) The Borrower is not a party to any agreement, indenture,
lease or instrument or subject to any charter or other corporate restriction or
any judgment, order, writ, injunction, decree, rule or regulation materially and
adversely affecting its business, properties, assets, operations or condition
(financial or otherwise). There are no unrealized losses with respect to any
such agreement, indenture, lease or instrument.

                  (b) The Borrower is not in default in the performance,
observance or fulfillment of any of the material obligations, covenants or
conditions contained in any material agreement or instrument to which it is a
party.

         SECTION 3.5 FINANCIAL STATEMENTS. The Borrower has furnished the Bank
with the Borrower's annual audited financial statements for the fiscal year
ended December 31, 2002 and its Subsidiaries' FDIC Call Reports for the quarter
ended on December 31, 2003. Such financial statements and FDIC Call Reports
(including any related schedules) are true and correct in all material respects.

                                       8
<PAGE>

There has been no material adverse change in the business, condition or
operations (financial or otherwise) of the Borrower and its Subsidiaries taken
as a whole since the date of the financial statements and FDIC Call Reports
referred to above.

         SECTION 3.6 CHANGES IN FINANCIAL CONDITIONS; ADVERSE DEVELOPMENTS. From
the date of the annual financial statements and FDIC Call Reports referenced in
Section 3.5 hereof, to the date of this Agreement, there has been, and to the
date of the initial Advance and each subsequent Advance, there will be, no
material adverse change in the assets, liabilities, financial condition,
business, operations, affairs or prospects of the Borrower and its Subsidiaries
from that set forth or reflected in the most recent fiscal year-end financial
statements and FDIC Call Reports referred to in Section 3.5, other than changes
in the ordinary course of business, including acquisitions, none of which have
been, either in any case or in the aggregate, materially adverse.

         SECTION 3.7 LITIGATION, ETC. There are no actions, proceedings or
investigations pending against the Borrower or affecting the Borrower (or any
basis therefor known to the Borrower) which, either in any case or in the
aggregate, might result in any material adverse change in the financial
condition, business, prospects, affairs or operations of the Borrower or in any
of its properties or assets, or in any material impairment of the right or
ability of the Borrower to carry on its operations as now conducted or proposed
to be conducted, or in any material liability on the part f the Borrower and
none which questions the validity of this Agreement, the Note or any of the
other Loan Documents or of any action taken or to be taken in connection with
the transactions contemplated hereby or thereby.

         SECTION 3.8 PRINCIPAL PLACE OF BUSINESS. The Principal Place of
Business of the Borrower is at the address noted in the preamble of this
Agreement.

         SECTION 3.9 CONSENTS AND APPROVALS. No authorization, license, consent,
approval, or undertaking is required under any applicable law in connection with
the execution, delivery and performance by the Borrower of this Agreement, the
Note or any of the other Loan Documents.

         SECTION 3.10 TITLE TO PROPERTIES AND ASSETS, LIENS, ETC. The Borrower
has good and marketable title to its respective real properties other than
properties which it leases and good title to all of its other personal property
and assets subject to no encumbrances, liens, security interests or other rights
of third parties except as previously disclosed to the Bank in the financial
statements provided to the Bank. The Borrower enjoys peaceful and undisturbed
possession of all leases necessary in any material respect for the operation of
its properties and assets, none of which contains any unusual or burdensome
provisions which might materially affect or impair the operation of such
properties and assets. All such leases are valid and subsisting and are in full
force and effect.

         SECTION 3.11 OUTSTANDING DEBT. On the date of this Agreement, the
Borrower has no outstanding indebtedness except as reflected on the financial
statements of the Borrower which have been provided to the Bank.

         SECTION 3.12 PATENTS, TRADEMARKS, FRANCHISES, ETC. The Borrower owns or
has the right to use all of the patents, trademarks, service marks, trade names,
copyrights, franchises and licenses, and rights with respect thereto, necessary
for the conduct of its business as now conducted or proposed to be conducted,
without any known conflict with the rights of others, and, in each case, subject
to no mortgage, pledge, lien, lease, encumbrance, charge, security interest,

                                       9
<PAGE>

title retention agreement or option. Each such asset or agreement is in full
force and effect, and the holder thereof has fulfilled and performed all of its
obligations with respect thereto. No event has occurred or exists which permits,
or after notice or lapse of time or both would permit, revocation or
termination, or which materially adversely affects or in the future may (so far
as the Borrower now foresees) materially adversely affect, the rights of such
holder thereof with respect thereto. No other license or franchise is known by
the Borrower to be necessary to the operations of the business of the Borrower
as now conducted or proposed to be conducted.

         SECTION 3.13 SUBSIDIARIES. As of the date of this Agreement, the only
Subsidiaries of the Borrower are SCB, SCBSW, SCBS, and Southern Community
Insurance Agency, Inc.

                                   ARTICLE IV

                           COVENANTS OF THE BORROWER

         SECTION 4.1 AFFIRMATIVE COVENANTS. The Borrower covenants, for so long
as any of the principal amount of or interest on the Note is outstanding and
unpaid or any duty or obligation of the Borrower or the Bank hereunder or under
any other Obligation remains unpaid or unperformed, as follows:

                  (a) ACCOUNTING; FINANCIAL STATEMENTS; ETC. The Borrower will
deliver to the Bank copies of each of the following:

                           (i) Quarterly, as soon as practicable and in any
event within forty-five (45) Days after the end of each calendar quarter, (A) a
copy of the Borrower's Federal Reserve System Reporting Form FR Y-9C and FR
Y-9LP for such quarter, (B) a Covenant Compliance Certificate and (C) a copy of
the quarterly FDIC Call Report for each of its Subsidiaries for such quarter;

                           (ii) As soon as practicable and in any event within
one hundred twenty (120) Days after the end of each fiscal year, year end
audited financial statements of the Borrower (consisting of profit and loss
statement, balance sheet and report on changes in stockholders equity) that are
examined and reviewed by a certified public accountant reasonably acceptable to
the Bank, together with the unqualified opinion of such accountant;

                           (iii) Promptly upon transmission thereof, copies of
all such financial statements, proxy statements, notices, and reports as it
shall send to its stockholders and of all registration statements (with
exhibits) and all reports which it is or may be required to file with the
Securities and Exchange Commission or any governmental body or agency succeeding
to the functions of such Commission; and

                           (iv) Promptly upon receipt thereof, a copy of each
other report submitted to the Borrower or any Subsidiary by independent
accountants in connection with any annual, interim or special audit made by them
of the books of the Borrower or any Subsidiary.

                  (b) INSPECTION. The Borrower will permit the Bank or Bank's
designated representative, at the expense of the Bank, to (i) visit any place of
business of the Borrower and/or its Subsidiaries, (ii) inspect its properties,
(iii) inspect and make extracts from the Borrower's or any Subsidiary's books
and records, and (iv) discuss the affairs, finances and accounts of the Borrower
or any Subsidiary with the officers of the Borrower or such Subsidiary, all at
such reasonable times and as often as may reasonably be requested by the Bank.

                                       10
<PAGE>

                  (c) MAINTENANCE OF CORPORATE EXISTENCE; COMPLIANCE WITH LAWS.
The Borrower shall at all times preserve and maintain in full force and effect
its corporate existence, powers, rights, licenses, permits and franchises in the
jurisdiction of its incorporation; continue to conduct and operate its business
substantially as conducted and operated during the present and preceding fiscal
year of the Borrower; operate in full compliance with all applicable laws,
statutes, regulations, certificates of authority and orders in respect of the
conduct of its business; and qualify and remain qualified as a foreign
corporation in each jurisdiction in which such qualification is necessary or
appropriate in view of its business and operations.

                  (d) NOTICE OF DEFAULT. The Borrower shall immediately notify
the Bank in writing upon the happening, occurrence or existence of any Event of
Default, or any event or condition which with the passage of time or giving of
notice, or both, would constitute an Event of Default, and shall provide the
Bank with such written notice, a detailed statement by a responsible officer of
the Borrower of all relevant facts and the action being taken or proposed to be
taken by the Borrower with respect thereto.

                  (e) MAINTENANCE OF PROPERTIES. Except to the extent that a
failure to do so would not have a material adverse effect on the Borrower or the
value of its properties taken as a whole, the Borrower shall (i) maintain or
cause to be maintained in good repair, working order and condition all
properties used or useful in its businesses and from time to time will make or
cause to be made all appropriate repairs, renewals, improvements and
replacements thereof so that the businesses carried on in connection therewith
may be properly and advantageously conducted at all times, (ii) not do or permit
any act or thing which might impair the value or commit or permit any waste of
its properties or any part thereof (other than acts of nature beyond its
control), or permit any unlawful occupation, business or trade to be conducted
on or from any of its properties and (iii) to the extent the Borrower leases any
of its places of business, maintain and keep current at all times all leases for
said places of business.

                  (f) NOTICE OF SUIT, PROCEEDINGS, ADVERSE CHANGE. The Borrower
shall promptly give the Bank notice in writing (a) of all actions or suits (at
law or in equity) and of all investigations or proceedings by or before any
court, arbitrator or any governmental department, commission, board, bureau,
agency or other instrumentality, state, federal or foreign, affecting the
Borrower or its Subsidiaries or the rights or other properties of the Borrower
or its Subsidiaries which a reasonably prudent Person would consider likely to
have a material adverse effect on the Borrower or any Subsidiary if decided
against the Borrower or any Subsidiary; (b) of any material adverse change in
the condition (financial or otherwise) of the Borrower; and (c) of any seizure
or levy upon any part of the properties of the Borrower under any process or by
a receiver.

                  (g) CORRESPONDENT BANKING RELATIONSHIP. The Borrower and its
Subsidiaries shall maintain correspondent banking relationships with the Bank.

                  (h) EXECUTION AND DELIVERY OF LOAN DOCUMENTS. The Borrower and
its Subsidiaries shall execute and deliver to the Bank all Loan Documents (to be
executed by the Borrower and its Subsidiaries) as and when requested by the
Bank.

                  (i) INSURANCE. The Borrower shall timely procure and maintain
and comply with such insurance and policies of insurance (including without
limitation public liability insurance) as may be required by law and such other
insurance including, but not limited to, coverage of real property and
improvements, to such extent and against such hazards and liabilities, as is
customarily maintained by companies similarly situated, and, if requested by the
Bank, to furnish to the Bank a certificate of said insurance and further
providing for thirty (30) Days notice to the Bank prior to any material
amendment, expiration or cancellation.

                                       11
<PAGE>

                  (j) DEBTS AND TAXES AND LIABILITIES. Except to the extent that
a failure to do so would not have a material adverse effect on the Borrower, the
Borrower shall pay and discharge (i) all of its indebtedness and obligations in
accordance with their terms and before it shall become in default, (ii) all
taxes, assessments and governmental charges or levies imposed upon it or upon
its income and profits or against its properties, prior to the date on which
penalties attach thereto, and (iii) all lawful claims which, if unpaid, might
become a lien or charge upon any of its properties; provided, however, that the
Borrower shall not be required to pay any such indebtedness, obligation, tax,
assessment, charge, levy or claim which is being contested in good faith by
appropriate and lawful proceedings diligently pursued and for which adequate
reserves have been set aside on its books. The Borrower shall also set aside
and/or pay as and when due all monies required to be set aside and/or paid by
any federal, state or local statute or agency in regard to F.I.C.A.,
withholding, sales or excise or other similar taxes.

                  (k) NOTIFICATION OF CHANGE OF NAME OR BUSINESS LOCATION. The
Borrower shall notify the Bank of each change in the name of the Borrower and of
each change of the location of any place of business and the office where the
records of the Borrower are kept, and, in such case, shall execute such
documents as the Bank may reasonably request to reflect said change of name or
change of location, as the case may be; provided, however, the Principal Place
of Business of the Borrower and the office where the records of the Borrower are
kept may not be kept out of or removed from Lake Mary, Florida without the prior
written consent of the Bank.

                  (l) PLEDGE OF STOCK. If the Borrower and the Bank agree at
anytime to renew the Loan, the Borrower shall pledge to the Bank, as security
for the Loan, all of the issued and outstanding common capital Stock of its
Subsidiaries. The Borrower agrees to execute any and all documents including,
without limitation, a pledge agreement and blank stock powers, in form and
substance acceptable to the Bank, and deliver any and all stock certificates
representing the Stock and other documents or certificates in order to grant and
perfect the Bank's first priority security interest in the Stock.

                  (m) FINANCIAL COVENANTS. The Borrower (on a consolidated
basis) shall meet or exceed the financial covenants set forth on EXHIBIT "D"
attached hereto. Each covenant shall be tested quarterly by the Bank commencing
with the fiscal quarter ending March 31, 2004. In addition, the Borrower (on a
consolidated basis) shall maintain capital ratios which meet the "adequately
capitalized" standards, as provided by 12 C.F.R. ss.6.4(b)(1) or other
applicable law, as they apply for commercial banks or bank holding companies, as
applicable, including Tier 1 Leverage Ratio, Tier 1 Risk-Based Capital Ratio and
Total Risk-Based Capital Ratio, measured quarterly, beginning with the quarter
ending March 31, 2004. Notwithstanding the foregoing, the Borrower shall report
a Tier 1 Leverage Ratio of greater than or equal to five percent (5.00%), a Tier
1 Risk-Based Capital Ratio of greater than or equal to six percent (6.00%), and
a Total Risk-Based Capital ratio of greater than or equal to nine percent
(9.00%) at all times. Further, the Borrower shall cause each of its Subsidiaries
(individually) to maintain capital ratios which meet the "well capitalized"
standards, as provided by 12 C.F.R. ss.6.4(b)(1) or other applicable law, as
they apply for commercial banks or bank holding companies, as applicable,
including Tier 1 Leverage Ratio, Tier 1 Risk-Based Capital Ratio and Total
Risk-Based Capital Ratio, measured quarterly, beginning with the quarter ending
March 31, 2004.

                  (n) USE OF PROCEEDS. The proceeds of the Loan shall be used
for the general working capital needs of the Borrower and its Subsidiaries.

                  (o) ACQUISITION OR FORMATION OF SUBSIDIARIES. The Borrower
shall provide prior written notice to the Bank of any planned acquisitions or
mergers or the establishment of any future Subsidiary.

                                       12
<PAGE>

                  (p) DIVIDENDS OF ITS SUBSIDIARIES. The Borrower shall cause
its Subsidiaries, if necessary, to, during each fiscal year during the term of
the Loan, pay dividends to the Borrower in amounts sufficient to accommodate the
payment of the debt service in respect of the Loan.

         SECTION 4.2 NEGATIVE COVENANTS. The Borrower covenants, for so long as
any of the principal amount of or interest on the Note is outstanding and unpaid
or any Obligation arising hereunder remains unpaid or unperformed, as follows:

                  (a) SALE OF ASSETS. The Borrower will not sell, lease, assign,
transfer or otherwise dispose of all or any material part of its assets or
properties, tangible or intangible, except for the sale of mortgages in the
secondary market or other banking transactions in the usual course of business,
or permit any of its Subsidiaries to do the same outside of the ordinary course
of business without the prior written consent of the Bank.

                  (b) MERGER, CONSOLIDATION, DISSOLUTION, ETC. The Borrower will
not (i) consolidate or merge with any other corporation or Person or dissolve or
take or omit to take any action which would result in its dissolution or (ii)
enter into any arrangement, directly or indirectly, with any Person whereby the
Borrower shall sell or transfer any property, real or personal, whether now
owned or hereafter acquired, and thereafter rent or lease such property or other
property which the Borrower intends to use for substantially the same purpose or
purposes as the property being sold or transferred, without the prior written
consent of the Bank.

                  (c) CHANGES IN BUSINESS. The primary business of the Borrower
will not change from that conducted by it on the date of this Agreement without
the prior written consent of the Bank.

                  (d) OTHER AGREEMENTS. The Borrower will not enter into any
arrangements, contractual or otherwise, which would materially and adversely
affect its duties or the rights of the Bank under the Loan Documents, or which
is inconsistent with or limits or abrogates the Loan Documents.

                  (e) CHANGE IN MANAGEMENT, CONTROL OR OWNERSHIP. At no time
during the term of this Agreement shall the Borrower allow or permit or shall
there be any material change in the executive management, control or ownership
of the Borrower and/or its Subsidiaries, without the prior written consent of
the Bank.

                  (f) ADDITIONAL INDEBTEDNESS. The Borrower will not create,
incur, assume, or suffer to exist any indebtedness or Liabilities (other than
the Loan) for borrowed money, any indebtedness evidenced by notes, debentures or
similar obligations or any conditional sales or title retention agreements or
capitalized leases during the term of the Loan, without the prior written
consent of the Bank.

                  (h) LIENS ON AND ENCUMBRANCE OF ASSETS. The Borrower will not
voluntarily or involuntarily incur, create, assume or suffer to exist any
mortgage, pledge, lien, security interest or other encumbrance of any nature
whatsoever on the Stock.

                  (i) RESTRICTION ON DIVIDENDS. The Borrower will not, without
the prior written consent of the Bank, which consent will not be unreasonably
withheld, pay any cash dividends on any of its stock or make any other cash
distributions to any of its shareholders.

                                       13
<PAGE>

                                    ARTICLE V

                              CONDITIONS OF LENDING

         The obligations of the Bank to lend hereunder and to make any Advance
from time to time are subject to the following conditions precedent:

         SECTION 5.1 REPRESENTATIONS AND WARRANTIES. The representations and
warranties set forth in the Loan Documents are true and correct on and as of the
date hereof, and on the date of each Advance or disbursement hereunder.

         SECTION 5.2 NO DEFAULT. On the date hereof and on the date of each
Advance or disbursement, the Borrower shall be in compliance with all the terms
and provisions set forth in the Loan Documents on its part to be observed or
performed, and no Event of Default nor any event that, upon notice or lapse of
time or both, would constitute such an Event of Default, shall have occurred and
be continuing at such time.

         SECTION 5.3 LOAN DOCUMENTS; COMMITMENT FEE. The Borrower shall have
delivered or caused to be delivered to the Bank, in fully executed form, all the
Loan Documents, in form and substance satisfactory to the Bank, as the Bank may
request and all of the Loan Documents shall be in full force and effect. The
Borrower shall have paid the Commitment Fee to the Bank, when and as due.

         SECTION 5.4 SUPPORTING DOCUMENTS. On or prior to the date hereof, the
Bank shall have received the following supporting documents, all of which shall
be satisfactory in form and substance to the Bank:

                  (a) a certificate or certificates, dated as of the date
hereof, of (i) the Secretary or any Assistant Secretary of the Borrower
certifying (A) that contained therein is a true and correct copy of certain
resolutions adopted by the Board of Directors of the Borrower authorizing the
execution, delivery and performance of the Loan Documents and the performance of
the obligations of the Borrower and the borrowings thereunder, which resolutions
have not been altered or amended in any respect, and remain in full force and
effect at all times since their adoption; (B) that attached thereto is a true
and correct copy of the Articles of Incorporation of the Borrower, and that such
Articles of Incorporation have not been altered or amended, and no other charter
documents have been filed, since the date of the filing of the last amendment
thereto or other charter document as indicated on the certificate of the
Secretary of State of the State of Florida attached thereto; (C) that attached
thereto is a true and correct copy of the Bylaws of the Borrower and that such
Bylaws are in full force and effect and no amendment thereto is pending which
would in any way affect the ability of the Borrower to enter into and perform
the Obligations contemplated hereby; and (D) the incumbency and signatures of
the officers of the Borrower signing the Loan Documents and any report,
certificate, letter or other instrument or document furnished by the Borrower in
connection therewith, and (ii) another authorized officer of the Borrower
certifying the incumbency and signature of the Secretary or Assistant Secretary
of the Borrower;

                  (b) certificate or certificates of the Florida Secretary of
State dated as of a recent date, as to the good standing of the Borrower; and

                  (c) a certificate or certificates, dated as of the date
hereof, of the Secretary or any Assistant Secretary or other authorized officer
of the Borrower acceptable to the Bank certifying the appointment and signatures
of the Authorized Representatives.

                                       14
<PAGE>

         SECTION 5.5 ADDITIONAL NOTES. To the extent the principal amount then
outstanding under the Loan together with the Advance requested would exceed the
face amount of the Note then outstanding (which collectively includes all notes
executed by the Borrower in favor of the Bank to evidence the Loan), the
Borrower agrees to then execute and deliver to the Bank the additional note of
the Borrower in such face amount as is necessary so that the total principal
amount outstanding on the Loan after the making of said Advance shall not exceed
the face amount of the Note (which collectively includes all notes executed by
the Borrower in favor of the Bank concerning said Loan and will include the note
described in this Section). At the time of the execution of said additional
Note, the Borrower shall pay to the Bank all documentary and other taxes
required under applicable law.

         SECTION 5.6 EXISTING LIENS AND INDEBTEDNESS. The Borrower shall cause
all existing liens, encumbrances and security interests (if any) held by any
secured party other than the Bank on any assets or properties of the Borrower to
be assigned to the Bank or fully released and terminated of record.

                                   ARTICLE VI

                                EVENTS OF DEFAULT

         SECTION 6.1 EVENTS OF DEFAULT. The following each and all are Events of
Default hereunder:

                  (a) MONETARY DEFAULT. If the Borrower shall default in any
payment of the principal of or interest on the Loan when and as the same shall
become due and payable, whether at maturity, by acceleration at the discretion
of the Bank or otherwise; or

                  (b) NON-MONETARY DEFAULT. If the Borrower shall default in the
performance of or compliance with any term or covenant contained in the Loan
Documents, and such default shall continue and remain uncured for a period of
ten (10) consecutive Days; or

                  (c) FINANCIAL CONDITION OF BORROWER. If the Bank determines in
its sole and absolute discretion that the financial condition of the Borrower
shall have materially deteriorated from the date of this Agreement to the date
of any such determination; or

                  (d) THIRD PARTY DEFAULT. If the Borrower shall suffer a
material default in the performance of any material agreement with any Person
other than the Bank; or

                  (e) MISREPRESENTATION. If any representation or warranty made
in writing by or on behalf of the Borrower or any Subsidiary or in any other
Loan Document shall prove to have been false or incorrect in any material
respect on the date as of which made or reaffirmed; or

                  (f) DISSOLUTION. Any order, judgment, or decree is entered in
any proceedings against Borrower or any Subsidiary decreeing the dissolution of
Borrower and such order, judgment, or decree remains unstayed and in effect for
more than thirty (30) Days; or

                  (g) DEFAULT UNDER LOAN DOCUMENTS. If the Borrower fails to
fulfill or comply with the terms of any Loan Document or there shall be a
default under any Loan Document; or

                  (h) BANKRUPTCY, FAILURE TO PAY DEBTS, ETC. If the Borrower or
any Subsidiary shall admit in writing its inability, or be generally unable, to
pay its debts as they become due or shall make an assignment for the benefit of

                                       15
<PAGE>

creditors, file a petition in bankruptcy, petition or apply to any tribunal for
the appointment of a custodian, receiver or trustee for the Borrower or any
Subsidiary or a substantial part of any of their assets, or shall commence any
proceeding under any bankruptcy, reorganization, arrangement, readjustment of
debt, dissolution or liquidation law or statute of any jurisdiction, whether now
or hereafter in effect, or if there shall have been filed any such petition or
application, or any such proceeding shall have been commenced against the
Borrower or any Subsidiary, in which an order for relief is entered or which
remains undismissed for a period of thirty (30) Days or more, or the Borrower or
any Subsidiary by any act or omission shall indicate its consent to, approval of
or acquiescence in any such petition, application, or proceeding or order for
relief or the appointment of a custodian, receiver or any trustee for the
Borrower or any Subsidiary or any substantial part of any of its properties, or
shall suffer any such custodianship, receivership or trusteeship to continue
undischarged for a period of thirty (30) Days or more; or

                  (i) FRAUDULENT CONVEYANCE. The Borrower or any Subsidiary
shall have concealed, removed, or permitted to be concealed or removed, any part
of its properties, with intent to hinder, delay or defraud its creditors or any
of them, or made or suffered a transfer of any of its properties which may be
fraudulent under any bankruptcy, fraudulent conveyance or similar law, or shall
have made any transfer of its properties to or for the benefit of a creditor at
a time when other creditors similarly situated have not been paid, or shall have
suffered or permitted, while insolvent, any creditor to obtain a lien upon any
of its properties through legal proceedings or distraint which is not vacated
within thirty (30) Days from the date thereof.

                  (j) SPLIT-UP. If any order, judgment, or decree is entered in
any proceedings against the Borrower decreeing a split-up of the Borrower which
requires the divestiture of a substantial part of the assets of the Borrower or
which requires the divestiture of assets or stock of a Subsidiary and such
order, judgment, or decree remains unstayed and in effect for more than thirty
(30) Days.

                  (k) PROHIBITION AGAINST PAYMENT OF DIVIDENDS. If (i) any
regulatory authority having jurisdiction over the Borrower or any Subsidiary, as
the case may be, takes any action, or (ii) the Borrower or any Subsidiary enters
into any agreement with any regulatory authority having jurisdiction over
Borrower or any Subsidiary, as the case may be, prohibiting or restricting, in
any way, the payment of dividends by any Subsidiary to the Borrower.

                                   ARTICLE VII

                               RIGHTS UPON DEFAULT

         Upon the occurrence or continuing of any Event of Default, the Bank
shall have and may exercise any or all of the rights set forth herein (provided,
however, the Bank shall be under no duty or obligation to do so):

         SECTION 7.1 ACCELERATION. To declare the indebtedness evidenced by the
Note and all other Obligations to be forthwith due and payable, whereupon the
Note and all other Obligations shall become forthwith due and payable, both as
to principal and interest, without presentment, demand, protest or any other
notice or grace period of any kind, all of which are hereby expressly waived,
anything contained herein or in the Note or in such other Obligations to the
contrary notwithstanding, and, upon such acceleration, the unpaid principal
balance and accrued interest upon the Note shall from and after such date of
acceleration bear interest at the Default Rate.

         SECTION 7.2 RIGHT OF SETOFF. To exercise its right of setoff as
permitted under Section 2.7.

         SECTION 7.3 OTHER RIGHTS. To exercise such other rights as may be
permitted under any of the Loan Documents or applicable law.

                                       16
<PAGE>

         SECTION 7.4 UNIFORM COMMERCIAL CODE. To exercise from time to time any
and all rights and remedies of a secured creditor under the UCC and any and all
rights and remedies available to it under any other applicable law.

                                  ARTICLE VIII

                                  MISCELLANEOUS

         SECTION 8.1 CUMULATIVE REMEDIES. The remedies provided in this
Agreement and in the Loan Documents are cumulative and not exclusive of any
remedies provided by law or in equity. Upon an Event of Default, the Bank may
elect to exercise any one or more of such remedies and such election shall not
waive or cause the Bank to have elected not to subsequently exercise any other
such remedies available to it under the Agreement or any Loan Document.

         SECTION 8.2 AMENDMENTS, ETC. No amendment, modification, termination or
waiver of any provision of this Agreement, the Note or the other Loan Documents,
nor consent to any departure by the Borrower therefrom, shall in any event be
effective unless the same shall be in writing and signed by the Bank, and then
such waiver or consent shall be effective only in the specific instance and for
the specific purpose for which given.

         SECTION 8.3 ADDRESSES FOR NOTICES, ETC. All notices, requests, demands
and other communications provided for hereunder shall be in writing and shall be
deemed to have been given (i) in the case of delivery, when addressed to the
other party and delivered to the address set forth below, (ii) in the case of
mailing, three (3) Days after said notice has been deposited in the United
States Mails, postage prepaid, by certified or return mail, and addressed to the
other party as set forth below, and (iii) in all of the cases, when received by
the other party. The address at which notices may be sent under this Section are
the following:

         If to the Borrower:      SOUTHERN COMMUNITY BANCORP
                                  250 North Orange Avenue,
                                  Orlando, Florida 32801
                                  Attention:  John Squires, President

         If to the Bank:          SUNTRUST BANK
                                  200 South Orange Avenue
                                  Mail Code O-1109
                                  Orlando, Florida 32801
                                  Attention:  Adam J. Weinstein, Vice President

         with a copy to:          Charles T. Brumback, Jr., Esq.
                                  Akerman Senterfitt
                                  255 South Orange Avenue, 17th Floor
                                  P.O. Box 231
                                  Orlando, FL  32802-0231

Any party may at any time change the address to which notices may be sent under
this Section by the giving of notice of such change to the other party in the
manner set forth herein.

                                       17
<PAGE>

         SECTION 8.4 APPLICABLE LAW. This Agreement, and each of the Loan
Documents and transactions contemplated herein (unless specifically stipulated
to the contrary in such document) shall be governed by and interpreted in
accordance with the laws of the State of Florida.

         SECTION 8.5 SURVIVAL OF REPRESENTATIONS AND WARRANTIES. All
representations, warranties, covenants and agreements contained herein or made
in writing by the Borrower in connection herewith shall survive the execution
and delivery of this Agreement, the Note and the other Loan Documents and be
true and correct during the term of the Loan.

         SECTION 8.6 TIME OF THE ESSENCE. Time is of the essence of this
Agreement, the Note and the other Loan Documents.

         SECTION 8.7 HEADINGS. The headings in this Agreement are intended to be
for convenience of reference only, and shall not define or limit the scope,
extent or intent or otherwise affect the meaning of any portion hereof.

         SECTION 8.8 SEVERABILITY. In case any one or more of the provisions
contained in this Agreement, the Note or the other Loan Documents shall for any
reason be held to be invalid, illegal or unenforceable in any respect, the same
shall not affect any other provision of this Agreement, the Note or the other
Loan Documents, but this Agreement, the Note and the other Loan Documents shall
be construed as if such invalid or illegal or unenforceable provision had never
been contained therein; provided, however, in the event said matter would in the
reasonable opinion of the Bank adversely effect the rights of the Bank under any
or all of the Loan Documents, the same shall be an Event of Default.

         SECTION 8.9 COUNTERPARTS. This Agreement may be executed in any number
of counterparts, all of which taken together shall constitute one and the same
instrument and any of the parties hereto may execute this Agreement by signing
any such counterpart.

         SECTION 8.10 CONFLICT. In the event any conflict arises between the
terms of this Agreement and the terms of any other Loan Document, the Bank shall
have the option of selecting which conditions shall govern the loan relationship
evidenced by this Agreement and, if the Bank does not so indicate, the terms of
this Agreement shall govern in all instances of such conflict.

         SECTION 8.11 TERM. The term of this Agreement shall be for such period
of time until the Loan and Note have been repaid in full, the Borrower has no
further right to request any Advance on the Loan and all Obligations have been
paid to the Bank in full. At such time, the Bank shall mark all the Loan
Documents "Canceled" and return them to the Borrower.

         SECTION 8.12 CROSS DEFAULTS. A default under any Loan Document,
including a default under this Agreement, shall be and constitute a default
under each and every Loan Document, including this Agreement and under all other
loan documents, instruments or certificates evidencing or executed in connection
with any other loan or credit facility now existing or hereafter extended by the
Bank or any other subsidiary of SunTrust Banks, Inc. to the Borrower or any
Subsidiary of the Borrower. A default under any other loan or credit facility
now existing or hereafter extended by the Bank or any other subsidiary of
SunTrust Banks, Inc., to the Borrower or any Subsidiary of the Borrower shall be
and constitute a default under each and every Loan Document, including this
Agreement.

         SECTION 8.13 EXPENSES. The Borrower agrees, whether or not the
transactions hereby contemplated shall be consummated, to pay, and save Bank
harmless against liability for the payment of, all out-of-pocket expenses

                                       18
<PAGE>

arising in connection with this transaction, all taxes including, without
limitation, documentary stamp taxes, together in each case with interest and
penalties, if any, and any income tax payable by Bank in respect of any
reimbursement therefor, which may be payable in respect of the execution,
delivery and performance of this Agreement or the execution, delivery,
acquisition and performance of any Note issued under or pursuant to this
Agreement (excepting only any tax on or measured by net income of Bank
determined substantially in the same manner, other than the rate of tax, as net
income is presently determined under the Federal Internal Revenue Code), and the
reasonable fees and expenses of any counsel to Bank in connection with this
Agreement and any subsequent modification or enforcement thereof or consent
thereunder including, without limitation, attorneys fees and court costs
incurred in any legal proceeding whether at the trial or appellate level or in
any bankruptcy proceeding. The obligations of Borrower under this Section 8.13
shall survive payment of any Note.

         SECTION 8.14 SUCCESSORS AND ASSIGNS. All covenants and agreements in
this Agreement contained by or on behalf of either of the parties hereto shall
bind and inure to the benefit of the respective successors and assigns of the
parties hereto whether so expressed or not; provided, however, this clause shall
not by itself authorize any delegation of duties by the Borrower or any other
assignment which may be prohibited by the terms and conditions of this
Agreement.

         SECTION 8.15 FURTHER ASSURANCES. The Borrower shall, from time to time,
execute such additional documents as may reasonably be requested by the Bank or
the counsel, to carry out and fulfill the intent and purpose of this Agreement
and the Loan Documents.

         SECTION 8.16 NO THIRD PARTY BENEFICIARIES. The parties intend that this
Agreement is solely for their benefit and no Person not a party hereto shall
have any rights or privileges under this Agreement whatsoever either as the
third party beneficiary or otherwise.

         SECTION 8.17 NO WAIVER. No failure or delay on the part of the Bank in
exercising any right, power or remedy hereunder, or under the Note or the other
Loan Documents shall operate as a waiver thereof, nor shall any single or
partial exercise of any such right, power or remedy preclude any other or
further exercise thereof or the exercise of any other right, power or remedy
hereunder or thereunder.

         SECTION 8.18 ENTIRE AGREEMENT. Except as otherwise expressly provided,
this Agreement and the other Loan Documents embody the entire agreement and
understanding between the parties hereto and supersede all prior agreements and
understandings relating to the subject matter hereof.

                         [SIGNATURES ON FOLLOWING PAGE]

                                       19
<PAGE>

         IN WITNESS WHEREOF, each of the parties hereto has caused this
Agreement to be executed, sealed and delivered, as applicable, by their duly
authorized officers on the day and year first above written.

                           BORROWER:
                           SOUTHERN COMMUNITY BANCORP

                           By:
                               -----------------------------------------------
                           Name:
                                 ---------------------------------------------
                           Title:
                                 ---------------------------------------------

                           BANK:
                           SUNTRUST BANK

                           By:
                              ------------------------------------------------
                                Adam J. Weinstein, Vice President

                                       20
<PAGE>

                                   EXHIBIT "A"

                   LIST OF INITIAL AUTHORIZED REPRESENTATIVES

As of the date of this Agreement, the following Persons are the Authorized
Representatives of the Borrower:

1.       Charlie W. Brinkley, Jr.

2.       John G. Squires

3.       Stephen R. Jeuck

4.       Linda Cook

<PAGE>

                                   EXHIBIT "B"

           FORM OF DESIGNATION OR CHANGE OF AUTHORIZED REPRESENTATIVE

SunTrust Bank
Financial Institutions Group
200 South Orange Avenue
Mail Code O-1109
Orlando, Florida 32801
Attn: Adam J. Weinstein
      Vice President

      Re:   Loan Agreement (as amended, modified, supplemented, restated or
            replaced from time to time, the "Loan Agreement") by and between
            Southern Community Bancorp (the "Borrower") and SunTrust Bank (the
            "Bank"), dated March _____, 2004

Gentlemen:

         Pursuant to the Loan Agreement, the undersigned Authorized
Representative hereby notifies and advises the Bank that, effective as of the
date hereof, each of the following persons are hereby designated as an
"Authorized Representative" for purposes of the Loan Agreement and, as such, are
hereby each and all authorized and empowered in the name and on behalf of the
Borrower, INTER ALIA to request Advances under the Loan and, in connection
therewith, to execute and deliver to the Bank any Notice of Borrowing or other
required Advance request document substantially in the forms attached to or
otherwise permitted in the Loan Agreement, and the Bank shall be fully entitled
to rely upon the foregoing authorization in so doing, and the following are
genuine specimens of such Authorized Representatives' signatures:

         NAME            TITLE/POSITION                   SIGNATURE
-------------------   -------------------        ----------------------------

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

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

         The following persons are hereby removed from the list of Authorized
Representatives:

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

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

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

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

         The designation and/or removal of the Authorized Representatives set
forth above shall remain in effect until such time as the Bank is notified by
the Borrower, in writing, of any further changes.

                                   SOUTHERN COMMUNITY BANCORP
                                   By:
                                      -----------------------------------------
                                   Name:
                                        ---------------------------------------
                                            Authorized Representative

<PAGE>

                                   EXHIBIT "C"

                           Form of Notice of Borrowing

SunTrust Bank
Financial Institutions Group
200 So. Orange Avenue
Mail Code O-1109
Orlando, Florida 32801

Attn: Adam J. Weinstein
      Vice President

      Re:   Advances under that certain Loan Agreement (as amended, modified,
            supplemented, restated or replaced from time to time, the "Loan
            Agreement") by and between Southern Community Bancorp (the
            "Borrower") and SunTrust Bank (the "Bank") dated March _____, 2004

      The undersigned, duly Authorized Representative of the Borrower hereby
furnishes the Bank a "Notice of Borrowing" and specifies that:

      1. The date the Advance is requested (which shall be a Banking Day) is
_______________, ______.

      2. The amount of the proposed borrowing is $_____________ (minimum
principal amount of $10,000.00).

      3. The Advance requested hereby under the above referenced Loan Agreement
shall be made by the Bank by depositing it to the bank account maintained by the
Borrower with the Bank or by such other method as may be mutually satisfactory
to the Bank and the Borrower.

         4. As of the date hereof there has been no material adverse change in
the financial condition of the Borrower from that set forth in the most recent
annual financial statements furnished to the Bank.

      As used herein, the terms "Advance," "Authorized Representative" and
"Banking Day" shall have the respective meanings assigned to such terms in the
above-referenced Loan Agreement.

      IN WITNESS WHEREOF, the undersigned has executed and delivered this Notice
of Borrowing as of the ____ day of ____________, 200_.

                               SOUTHERN COMMUNITY BANCORP

                               By:
                                  ----------------------------------------------
                               Name:
                                    --------------------------------------------
                                        Authorized Representative

<PAGE>

                                   EXHIBIT "D"

                               FINANCIAL COVENANTS

COVENANT                              REQUIREMENT           WHEN TESTED
--------                              -----------           -----------

Debt Service Coverage Ratio             >2.00:1               Quarterly
                                        -

Non-Performing Assets Ratio             <1.50%                Quarterly
                                        -

Net Charge-Off Ratio                    <0.35%                Quarterly
                                        -

Tangible Equity Ratio                   >6.75%                Quarterly

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