Document:

Exhibit 10.5.2

                           ACCESS NATIONAL CORPORATION

                                     FORM OF
                        INCENTIVE STOCK OPTION AGREEMENT
                                       FOR
                                EMPLOYEE-DIRECTOR

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                      Granted ____________________________
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This Incentive Stock Option Agreement  evidences the grant of an Incentive Stock
Option to  _______________________  (the  "Employee")  pursuant to  subparagraph
7.1(b) of the Access  National  Corporation  1999 Stock Option Plan (as restated
effective April 22, 2003) (the "Plan").  This Agreement also describes the terms
and conditions of the option evidenced by this Agreement.

1.       Grant of Option.  In consideration  of the services  rendered to Access
         National  Corporation  (the  "Company")  by the  Employee,  the Company
         hereby  grants to the Employee an option to purchase all or any part of
         a total of ________ shares of the Company's  Common Stock at a price of
         $_________ per share. This option is granted as of _____________("Award
         Date").  This option is granted  pursuant to the Plan and is subject to
         the terms thereof.

2.       Term.

         (a)      Normal Term. The term of this option is  ________________  (in
                  no event greater than 7 years),  until  _____________________,
                  provided,  however, that this option may be terminated earlier
                  as provided below.

         (b)      Early Termination.  This option will terminate on the date the
                  Employee's membership on the Board of Directors of the Company
                  ceases;  provided,  however  that to the extent this option is
                  exercisable  or  becomes   exercisable   upon  the  Employee's
                  cessation of membership on the Board,  this option will remain
                  exercisable until ____________________.

3.       Payment of Exercise  Price.  The exercise price will be payable in full
         upon  exercise of this option,  and if approved by the  Committee at or
         prior to the time of exercise,  such purchase  price may be paid either
         in cash,  or in shares of the  Company's  Common  Stock (which shall be
         valued as determined by the Committee), or in a combination of cash and
         Common  Stock.  If approved by the Committee at or prior to the time of
         exercise,   payment   hereunder   may   also  be  made   through   such
         Company-approved broker-assisted cashless exercise procedures as are in
         effect from time to time.

4.       Transferability.  This option may not be  transferred  by the Employee,
         except upon the Employee's  death by will or by the laws of descent and
         distribution.

5.       Exercise.

         (a)      Exercisability.  This option is first exercisable, in whole or
                  in part, from and after the applicable time provided below:

                  (i)      Subject to earlier exercisability as provided in (ii)
                           below,  options awarded under this Agreement shall be
                           first   exercisable  on   _________________   [insert
                           vesting schedule].

                  (ii)     If a  Change-in-Control  (as  defined  in  the  Plan)
                           occurs  after the Award Date,  before the  expiration
                           date of this  option  and  while  the  Employee  is a
                           member of the Board of Directors of the Company, this
                           option may first be  exercised,  in whole or in part,
                           after the date such Change-in-Control occurs.
<PAGE>

                  (iii)    If  the   Employee's   membership  on  the  Board  of
                           Directors  of the  Company  ceases as a result of the
                           Employee's   retirement   from   Board   service   in
                           accordance  with  any  Company  policy  on  mandatory
                           retirement for directors,  death, disability which in
                           the  view of the  Committee  prevents  or  materially
                           impairs his ability to continue  service on the Board
                           or  failure  to  be  reelected  as a  director  after
                           requesting to stand for  reelection,  this option may
                           first be  exercised,  in whole or in part,  after the
                           date of such cessation of membership on the Board.

         (b)      By Whom Exercisable.  During the Employee's lifetime, only the
                  Employee may exercise  this option.  If an Employee dies prior
                  to the expiration  date of an option  granted to him,  without
                  having  exercised  his option as to all of the shares  covered
                  thereby,  this option may be  exercised,  to the extent of the
                  shares  with  respect  to which  this  option  could have been
                  exercised on the date of the Employee's  death,  by the estate
                  or a person who acquired the right to exercise  this option by
                  bequest  or  inheritance  or by  reason  of the  death  of the
                  Employee.

         (c)      Exercise.  This option  shall be  exercised by delivery on any
                  business  day to the  Company of a Notice of  Exercise  in the
                  form  attached  to this  Agreement  accompanied  by payment as
                  provided in  Paragraph  3 and  payment in full,  to the extent
                  required by Paragraph  10, of the amount of any income tax the
                  Company is required to withhold as a result of such exercise.

6.       Compliance  with  Securities  Laws. The Company  covenants that it will
         attempt to maintain an effective registration statement with the Office
         of the Comptroller of the Currency  covering the shares of Common Stock
         of the  Company  which are the subject of this  Agreement  at all times
         during  which this  option is  exercisable  and there is no  applicable
         exemption from  registration of such shares;  provided,  however,  that
         this  option  shall  not be  exercisable  for  stock at any time if its
         exercise  would cause the Company to be in violation of any  applicable
         provisions of the federal or state securities law.

7.       Administration  of  Plan.  The  Plan  is  administered  by a  Committee
         appointed by the Company's  Board of  Directors.  The Committee has the
         authority to construe and  interpret the Plan, to make rules of general
         application  relating to the Plan, to amend outstanding options, and to
         require  of any  person  exercising  this  option,  at the time of such
         exercise,   the   execution   of  any  paper  or  the   making  of  any
         representation  or the  giving  of any  commitment  that the  Committee
         shall, in its discretion,  deem necessary or advisable by reason of the
         securities  laws of the United States or any State, or the execution of
         any paper or the payment of any sum of money in respect of taxes or the
         undertaking  to pay or have paid any such sum that the Committee  shall
         in its  discretion,  deem  necessary by reason of the Internal  Revenue
         Code or any rule or regulation thereunder, or by reason of the tax laws
         of any State.

8.       Capital  Adjustments.  The number of shares of Common Stock  covered by
         this  option,  and the  option  price  thereof,  will be  subject to an
         appropriate and equitable  adjustment,  as determined by the Committee,
         to reflect any stock dividend,  stock split or share  combination,  and
         will  be  subject  to  such   adjustment  as  the  Committee  may  deem
         appropriate  to  reflect  any  exchange  of  shares,  recapitalization,
         merger, consolidation,  separation, reorganization,  liquidation or the
         like, of or by the Company.

9.       Rights as a Shareholder. The Employee, or a transferee of an option,
         shall have no rights as a shareholder with respect to any shares
         subject to this option until the date of the exercise of this option
         for such shares. No adjustment shall be made for dividends (ordinary or
         extraordinary, whether in cash, securities or other property) or
         distributions or other rights for which the record date is prior to the
         date of such exercise, except as provided in Paragraph 8 hereof.

10.      Withholding Taxes. The Company, or one of its subsidiaries,  shall have
         the right to withhold any Federal,  state or local taxes required to be
         withheld  by law with  respect  to the  exercise  of this  option.  The
         Employee  will be  required to pay the  Company,  as  appropriate,  the
         amount of any such taxes which the Company, or one of its subsidiaries,
         is required to withhold.
<PAGE>

11.      Prohibition  against  Pledge,  Attachment,  etc.  Except  as  otherwise
         provided herein,  this option, and the rights and privileges  conferred
         hereby, shall not be transferred,  assigned, pledged or hypothecated in
         any way and shall not be subject to  execution,  attachment  or similar
         process.

12.      Intended to be an Incentive  Stock  Option.  This option is intended to
         qualify as an  incentive  stock  option  within the  meaning of Section
         422(b) of the Internal Revenue Code, and the provisions hereof shall be
         construed  consistent with that intent.  While it is intended that this
         option be treated as an incentive  stock  option  within the meaning of
         Section  422(b) of the  Internal  Revenue  Code,  the Company  does not
         guarantee such  treatment.  If or to the extent,  for any reason,  this
         option is not treated as an incentive  stock option  within the meaning
         of Section  422(b) of the  Internal  Revenue  Code,  this option  shall
         nevertheless  continue to otherwise be fully effective according to its
         terms and the  applicable  terms of the Plan and shall be regarded as a
         Non-Qualified Stock Option under the Plan.

To evidence  their  agreement to the terms and  conditions  of this option,  the
Company and the Employee  have signed this  Agreement as of the date first above
written.

                        ACCESS NATIONAL CORPORATION

                        By:
                           --------------------------------------------------

                        Its:
                            -------------------------------------------------

                        EMPLOYEE:

                        By:
                           --------------------------------------------------

<PAGE>

                               NOTICE OF EXERCISE

Access National Corporation
1800 Robert Fulton Drive, Suite 300
Reston, Virginia  20191
Attention:  Secretary

         I hereby  exercise my option  pursuant to that certain  Incentive Stock
Option  Agreement dated  _________________________,  subject to all of the terms
and conditions of the said Stock Option  Agreement,  and hereby notify you of my
election to purchase the  following  stated  number of shares  ("Shares") of the
common stock of Access National Corporation (the "Company"),  as indicated below
at the following stated option price per share.

Number of Shares - ____ Option Price per Share - $____ Total Option Price -$___

If this Notice of Exercise involves fewer than all of the common stock which are
subject to option under the said Stock Option  Agreement,  I retain the right to
exercise  my option for the balance of the shares  remaining  subject to option,
all in accordance with the terms of the said Stock Option Agreement.

         This  Notice of  Exercise  is  accompanied  by [ ] (1) a [ ]  certified
check, [ ] cashiers check or [ ] personal check in the amount of the above Total
Option Price or [ ] (2) shares of the Company's common stock having an aggregate
value of the amount of the above  Total  Option  Price,  in full  payment of the
option price for the Shares.

         I hereby  authorize the Company (and any of its affiliates) to withhold
from my regular pay or any  extraordinary  pay from the Company  (and any of its
affiliates) the applicable amount of any taxes required by law or the said Stock
Option Agreement to be withheld as a result of this exercise.

         I represent  that I am acquiring the Shares for  investment  for my own
account and beneficial interest and that I have no present intention of dividing
them with others or  reselling,  assigning  or  otherwise  distributing  them to
others.

         My current address and my Social Security Number are as follows:

                           Address:
                                     ------------------------------------------

                           Social Security Number:
                                                    ---------------------------

Date:
     -------------------------------                          -----------------Exhibit 10.5.3

                           ACCESS NATIONAL CORPORATION

                                     FORM OF
                      NON-QUALIFIED STOCK OPTION AGREEMENT
                                       FOR
                                    DIRECTOR

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                      Granted ____________________________
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This Non-Qualified Stock Option Agreement evidences the grant of a Non-Qualified
Stock Option to  __________________  (the "Director") pursuant to Article III of
the Access National  Corporation  1999 Stock Option Plan (as restated  effective
April 22,  2003) (the  "Plan").  This  Agreement  also  describes  the terms and
conditions of the option evidenced by this Agreement.

1.       Grant of Option.  In  consideration  of the  services  rendered  to the
         Access  National  Corporation  (the  "Company")  by the  Director,  the
         Company  hereby grants to the Director an option to purchase all or any
         part of a total of ______  shares of the  Company's  Common  Stock at a
         price of $_____ per share.  This option is granted as of ______________
         ("Award  Date").  This  option is granted  pursuant  to the Plan and is
         subject to the terms thereof.

2.       Term.

         (a)      Normal Term. The term of this option is  ________________  (in
                  no event greater than 7 years), until _______________________,
                  provided,  however, that this option may be terminated earlier
                  as provided below.

         (b)      Early Termination.  This option will terminate on the date the
                  Director's membership on the Board of Directors of the Company
                  ceases;  provided,  however  that to the extent this option is
                  exercisable  or  becomes   exercisable   upon  the  Director's
                  cessation of membership on the Board,  this option will remain
                  exercisable until ____________________.

3.       Payment of Exercise  Price.  The exercise price will be payable in full
         upon  exercise of this option,  and if approved by the  Committee at or
         prior to the time of exercise,  such purchase  price may be paid either
         in cash,  or in shares of the  Company's  Common  Stock (which shall be
         valued as determined by the Committee), or in a combination of cash and
         Common  Stock.  If approved by the Committee at or prior to the time of
         exercise,   payment   hereunder   may   also  be  made   through   such
         Company-approved broker-assisted cashless exercise procedures as are in
         effect from time to time.

4.       Transferability.  This option may not be  transferred  by the Director,
         except upon the Director's  death by will or by the laws of descent and
         distribution.

5.       Exercise.

         (a)      Exercisability.  This option is first exercisable, in whole or
                  in part, from and after the applicable time provided below:

                  (i)      Subject to earlier exercisability as provided in (ii)
                           or (iii)  below,  options  with  respect to the total
                           number of shares awarded under this  Agreement  shall
                           be first  exercisable  on  _________________  [insert
                           vesting schedule].

                  (ii)     If a  Change-in-Control  (as  defined  in  the  Plan)
                           occurs  after the Award Date,  before the  expiration
                           date of this  option  and  while  the  Director  is a
                           member of the Board of Directors of the Company, this
                           option may first be  exercised,  in whole or in part,
                           after the date such Change-in-Control occurs.

                  (iii)    If  the   Director's   membership  on  the  Board  of
                           Directors  of the  Company  ceases as a result of the
                           Director's   retirement   from   Board   service   in
                           accordance  with  any  Company  policy  on  mandatory
                           retirement for directors,  death, disability which in
                           the  view of the  Committee  prevents  or  materially
                           impairs his ability to continue  service on the Board
                           or  failure  to  be  reelected  as a  director  after
                           requesting to stand for  reelection,  this option may
                           first be  exercised,  in whole or in part,  after the
                           date of such cessation of membership on the Board.

         (b)      By Whom Exercisable.  During the Director's lifetime, only the
                  Director may exercise this option.  If the Director dies prior
                  to the expiration  date of an option  granted to him,  without
                  having  exercised  his option as to all of the shares  covered
                  thereby,  this option may be  exercised,  to the extent of the
                  shares  with  respect  to which  this  option  could have been
                  exercised on the date of the Director's  death,  by the estate
                  or a person who acquired the right to exercise  this option by
                  bequest  or  inheritance  or by  reason  of the  death  of the
                  Director.

         (c)      Exercise.  This option  shall be  exercised by delivery on any
                  business  day to the  Company of a Notice of  Exercise  in the
                  form  attached  to this  Agreement  accompanied  by payment as
                  provided in Paragraph 3.

6.       Compliance  with  Securities  Laws. The Company  covenants that it will
         attempt to maintain an effective registration statement with the Office
         of the Comptroller of the Currency  covering the shares of Common Stock
         of the  Company  which are the subject of this  Agreement  at all times
         during  which this  option is  exercisable  and there is no  applicable
         exemption from  registration of such shares;  provided,  however,  that
         this  option  shall  not be  exercisable  for  stock at any time if its
         exercise  would cause the Company to be in violation of any  applicable
         provisions of the federal or state securities law.

7.       Administration  of  Plan.  The  Plan  is  administered  by a  Committee
         appointed by the Company's  Board of  Directors.  The Committee has the
         authority to construe and  interpret the Plan, to make rules of general
         application  relating to the Plan, to amend outstanding options, and to
         require  of any  person  exercising  this  option,  at the time of such
         exercise,   the   execution   of  any  paper  or  the   making  of  any
         representation  or the  giving  of any  commitment  that the  Committee
         shall, in its discretion,  deem necessary or advisable by reason of the
         securities  laws of the United States or any State, or the execution of
         any paper or the payment of any sum of money in respect of taxes or the
         undertaking  to pay or have paid any such sum that the Committee  shall
         in its  discretion,  deem  necessary by reason of the Internal  Revenue
         Code or any rule or  regulation  there  under,  or by reason of the tax
         laws of any State.

8.       Capital  Adjustments.  The number of shares of Common Stock  covered by
         this  option,  and the  option  price  thereof,  will be  subject to an
         appropriate and equitable  adjustment,  as determined by the Committee,
         to reflect any stock dividend,  stock split or share  combination,  and
         will  be  subject  to  such   adjustment  as  the  Committee  may  deem
         appropriate  to  reflect  any  exchange  of  shares,  recapitalization,
         merger, consolidation,  separation, reorganization,  liquidation or the
         like, of or by the Company.

9.       Rights as a  Shareholder.  The Director,  or a transferee of an option,
         shall  have no rights  as a  shareholder  with  respect  to any  shares
         subject to this  option  until the date of the  exercise of this option
         for such shares. No adjustment shall be made for dividends (ordinary or
         extraordinary,  whether  in  cash,  securities  or other  property)  or
         distributions or other rights for which the record date is prior to the
         date of such exercise, except as provided in Paragraph 8 hereof.

10.      Prohibition  against  Pledge,  Attachment,  etc.  Except  as  otherwise
         provided herein,  this option, and the rights and privileges  conferred
         hereby, shall not be transferred,  assigned, pledged or hypothecated in
         any way and shall not be subject to  execution,  attachment  or similar
         process.

11.      Not  intended  to be an  Incentive  Stock  Option.  This  option is not
         intended to qualify as an incentive  stock option within the meaning of
         Section 422(b) of the Internal  Revenue Code and the provisions  hereof
         shall be construed consistent with that intent.

To evidence their agreement to the terms and conditions of this option, the
Company and the Director have signed this Agreement as of the date first above
written.

                    ACCESS NATIONAL CORPORATION

                    By:
                       --------------------------------------------------

                    Its:
                        -------------------------------------------------

                    DIRECTOR:

                    By:
                       --------------------------------------------------

<PAGE>

                               NOTICE OF EXERCISE

Access National Corporation
1800 Robert Fulton Drive, Suite 300
Reston, Virginia  20191
Attention:  Secretary

         I hereby exercise my option pursuant to that certain Non-Qualified
Stock Option Agreement dated ___________________, subject to all of the terms
and conditions of the said Stock Option Agreement, and hereby notify you of my
election to purchase the following stated number of shares ("Shares") of the
common stock of Access National Corporation (the "Company"), as indicated below
at the following stated option price per share.

Number of Shares - ____Option Price per Share - $___ Total Option Price -$____

If this Notice of Exercise involves fewer than all of the common stock which are
subject to option under the said Stock Option Agreement, I retain the right to
exercise my option for the balance of the shares remaining subject to option,
all in accordance with the terms of the said Stock Option Agreement.

         This Notice of Exercise is accompanied by [ ] (1) a [ ] certified
check, [ ] cashiers check or [ ] personal check in the amount of the above Total
Option Price or [ ] (2) shares of the Company's common stock having an aggregate
value of the amount of the above Total Option Price, in full payment of the
option price for the Shares.

         I represent that I am acquiring the Shares for investment for my own
account and beneficial interest and that I have no present intention of dividing
them with others or reselling, assigning or otherwise distributing them to
others.

         My current address and my Social Security Number are as follows:

                           Address:
                                     -----------------------------------------

                           Social Security Number:
                                                    --------------------------

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

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