Document:

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                                                                   EXHIBIT 10.14

                COMMUNITY TRUST FINANCIAL SERVICES CORPORATION
          DEFERRED COMPENSATION PLAN FOR KEY EMPLOYEES AND DIRECTORS

          Community Trust Financial Services Corporation ("Company") hereby
establishes a Deferred Compensation Plan ("Plan") for Key Employees [as defined
by the Administrative Committee of the Deferred Compensation Plan] and members
of the Board of Directors ("Board") of the Company and any wholly-owned
subsidiaries of the Company, as set forth below:

     1.   Participants. Any Key Employee of the Company or any organization of
          ------------
which the Company owns a 100% controlling interest, and any member (a
"Director") of the Board of the Company or any organization of which the Company
owns a 100% controlling interest, may elect (the "Election") to become a
participant ("Participant") under the Plan by written notice to the Company.

     2.   Deferred Amounts. As specified in the Election, any Participant may
          ----------------
defer all or any portion of his or her salary, bonus, or incentive compensation
as a Key Employee or fees as a Director which are earned for the calendar year
commencing after the date of such Election, except that Key Employees or
Directors first becoming eligible for the Plan may make an election within 30
days after the effective date of initial eligibility, but only with respect to
compensation for services rendered after the date of election. Amounts so
deferred shall be held and paid only as hereinafter provided. Any Participant
may suspend deferral by written notice to the Company. Following any such
suspension, a Key Employee or Director may make a new election first effective
with the next calendar year. Any participant may request a transfer of funds
between investment options as specified in the Funds Transfer Form. Transfers
may not be initiated more than two times in each calendar year.

     3.   Method of Deferral and Distribution.
          -----------------------------------

          1.   For each Participant electing to participate in the Plan, the
Company shall maintain a deferred money account ("Deferred Money Account") which
may periodically be converted into a stock unit account ("Stock Unit Account")
and/or a mutual fund account ("Reliance Trust Company Lifestyles Investment
Portfolios Account") for each such Participant. Each Participant will be
furnished annually with a statement of these accounts.

          2.   Deferred Amounts of each Participant shall be credited as a
dollar amount to the Participant's Deferred Money Account on the date they
otherwise would be payable. The Company shall establish a trust under the
provisions of Revenue Procedures 92-64 and 92-65 (the "Trust"), to which amounts
credited to the Participants' Deferred Money Accounts shall be contributed. The
trustee ("Trustee") of the Trust may, in its discretion from time to time,
invest amounts contributed to the Trust in Reliance Trust Company Lifestyles
Investment Portfolios mutual funds and/or in shares of the Company's common
stock by purchasing such shares through an independent broker in the market
where the shares trade. Any shares, including fractional shares, so purchased
with funds from a Participant's Deferred Money Account shall be credited to the
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Participant's Reliance Trust Company Lifestyles Investment Portfolios Account or
Stock Unit Account, and the purchase price plus any broker's commissions shall
be charged to the Participant's Deferred Money Account. Any cash balance
remaining in the Participant's Deferred Money Account after such charge shall be
held and invested by the Trustee of the Trust.

          3.   Additional credits will be made to each Participant's Deferred
Money Account in dollar amounts equal to the cash dividends (or the fair market
value of dividends paid in property) the Participant would have received from
time to time had he or she been the owner on the record dates with respect
thereto of the number of shares of the Company's common stock equal to the
number of shares in his or her Stock Unit Account on such dates. In the case of
a stock dividend or stock split, additional credits will be made to each
Participant's Stock Unit Account of the number of shares equal to the number of
shares of the Company's common stock which that Participant would have received
had he or she been the owner on the record dates with respect thereto of the
number of shares of the Company's common stock equal to the number of shares in
his or her Stock Unit Account on such dates. The Company shall also credit to
the Participant's Deferred Money Account interest, dividends, capital gains, or
other earnings on investment of amounts in a Participant's Deferred Money
Account to the extent such amounts are invested other than in shares of the
Company's common stock.

     4.   Distribution.
          ------------

          1.   Upon the termination of a Participant's services as an employee
or Director:

               1.   Payment of the balance in his or her Deferred Money Account
and Reliance Trust Company Lifestyles Investment Portfolios Account, if any,
shall be made to the Participant in cash either as a lump sum or in five annual
payments, such election to be made in writing prior to termination of services,
and

               2.   Payment of the balance in his Stock Unit Account shall be
made to the Participant in full shares of common stock of the Company with any
fractional shares to be paid in cash based on the market value of the Company's
stock at that time. Distribution of stock likewise must be in either a lump sum
or in five annual payments, such election to be make in writing prior to
termination of services. The election to receive a lump sum or annual payments
must be the same for payments made under sections 4.1.1 and 4.1.2.

          2.   If a Participant shall cease to be an employee or Director by
reason of his or her death or if he or she shall die after becoming entitled to
distributions hereunder but prior to receipt of all distributions hereunder, all
cash or common stock then distributable hereunder shall be distributed to such
beneficiary as such Participant shall designate by an instrument in writing
filed with the Company, or in the absence of such designation, to his or her
personal representative, or if none is appointed within six months of his or her
death, to his or her spouse or, if not then living, to his or her then living
descendants, per stirpes.

          3.   If a Participant shall incur an Unforeseeable Emergency as
determined by the Trustee, Participant may request, and Trustee may make, a
distribution of the balance in the Participant's Deferred Money Account and
Reliance Trust Company Lifestyles Investment Portfolios Account, if any, and
payment of the balance in the Participant's Stock Unit Account, as described in
Section D. 1. above. Unforeseeable Emergency shall be defined herein as severe
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financial hardship to the Participant resulting from a sudden and unexpected
illness or accident of the Participant or of a dependent [as defined in Internal
Revenue Code (S) 152(a)] of the Participant, loss of the Participant's property
due to casualty, or other similar extraordinary and unforeseeable circumstances
arising as a result of events beyond the control of the Participant. Payment may
not be made to the extent that such hardship is or may be relieved through
reimbursement or compensation by insurance or otherwise; by liquidation of the
Participant's assets, to the extent the liquidation of assets would not itself
cause severe financial hardship; or by cessation of deferrals under the Plan.
Further, withdrawals of amounts because of an Unforeseeable Emergency are
permitted only to the extent reasonably needed to satisfy the emergency need

     5.   Participant's Rights Unsecured. The right of any Participant to
          ------------------------------
receive a distribution hereunder in common stock of the Company or in cash shall
be an unsecured claim against the general assets of the Company. The Deferred
Amounts may not be encumbered or assigned by the Participant. Except as
otherwise provided in the Trust established in connection herewith, all common
stock, mutual funds, and cash held by the Trust shall constitute general assets
of the Company and shall be subject to the claims of the Company's creditors in
the event of the Company's insolvency as defined in the Trust.

     6.   Amendments to the Plan. The Board of Directors of the Company may
          ----------------------
amend the Plan at any time, without the consent of the Participants or their
beneficiaries, provided, however, that no amendment shall divest any Participant
or beneficiary of rights to which he or she would have been entitled if the Plan
had been terminated on the effective date of such amendment.

     7.   Termination of Plan. The Board of Directors of the Company may
          -------------------
terminate the Plan at any time. Upon termination of the Plan, distributions in
respect of credits to a Participant's Accounts as of the date of termination
shall be made in the manner and at the time heretofore prescribed.

     8.   Expenses. Costs of administration of the Plan will be paid by the
          --------
Company.

     9.   Effective Date. The effective date of this Plan shall be January 1,
          --------------
2000.

          IN WITNESS WHEREOF, the Plan has been executed on behalf of the
Company on this 14th day of December, 1999.

                                 COMMUNITY TRUST FINANCIAL SERVICES
                                 CORPORATION

(SEAL)                           By: /s/ Ronnie Austin
                                 -------------------------------

                                 Name/Title: Ronnie Austin/ President and CEO

Attest: /s/ Angel Byrd
        --------------------

Name/Title: Angel Byrd, Secretary<PAGE>

                                                                   EXHIBIT 10.15

                 DIRECTORS DELAYED COMPENSATION PLAN AGREEMENT

     THIS AGREEMENT, made and entered into this 26th day of October, 1999 by and
between Community Trust Bank, a Bank organized and existing under the laws of
the State of Georgia, (hereinafter referred to as the, "Bank"), and R. Alan
Bullock a former member of the Board of Directors of the Bank (hereinafter
referred to as the, "Director") and a present member of the Board of Directors
of Community Trust Financial Services Corporation (hereinafter referred to as,
"CTFSC"), the Bank's parent company..

                                  WITNESSETH:

     WHEREAS, it is the consensus of the Board of Directors of the Bank
(hereinafter referred to as the, "Board") that the Director's services to the
Bank in the past have been of exceptional merit and have constituted an
invaluable contribution to the general welfare of the Bank and in bringing it to
its present status of operating efficiency, and its present position in its
field of activity;

     WHEREAS, the Director continues to provide service to the Bank by the
Director's service on the Board of Directors of CTFSC;

     WHEREAS, it is the desire of the Bank that the Director's past services be
rewarded as herein provided;

     ACCORDINGLY, it is the desire of the Bank and the Director to enter into
this agreement under which the Bank will agree to make certain payments to the
Director at retirement or the Director's beneficiary(ies) in the event of the
Director's death pursuant to this Agreement;

     FURTHERMORE, it is the intent of the parties hereto that this Directors
Delayed Compensation Plan Agreement be considered an unfunded arrangement
maintained primarily to provide supplemental retirement benefits for the
Director, and to be considered a non-qualified benefit plan for purposes of the
Employee Retirement Security Act of 1974, as amended ("ERISA").  The Director is
fully advised of the Bank's financial status and has had substantial input in
the design and operation of this benefit plan; and

     NOW, THEREFORE, in consideration of services performed in the past as well
as of the mutual promises and covenants herein contained it is agreed as
follows:
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I.   SERVICE

     The Director has served the Bank in such capacity and with such duties and
     responsibilities as were assigned, and with such compensation as were
     determined from time to time by the Board of Directors of the Bank and
     continues to serve the Bank by the Director's membership on the CTFSC
     Board.

II.  FRINGE BENEFITS

     The fee continuation benefits provided by this agreement are granted by the
     Bank as a fringe benefit to the Director and are not part of any fee
     reduction plan or an arrangement deferring a bonus or a fee increase.  The
     Director has no option to take any current payment or bonus in lieu of
     these fee continuation benefits except as set forth hereinafter.

III. RETIREMENT DATE

     If the Director continuously serves the Bank through the Director's
     membership on the CTFSC Board, the Director begin receiving the benefits
     set forth herein thirty (30) days following the Director's sixty-fifth
     (65th) birthday, or thirty (30) days following the Director's actual
     retirement date, whichever event shall last occur.  Notwithstanding the
     foregoing, the Director shall retire on or before attaining age seventy
     (70).

IV.  RETIREMENT BENEFIT AND POST-RETIREMENT DEATH BENEFIT

     Upon said retirement, commencing thirty (30) days following the Director's
     sixty-fifth (65/th/) birthday or commencing thirty (30) days following the
     Director's actual retirement date, whichever event shall last occur, the
     Bank shall pay the Director an annual benefit equal to eighteen thousand
     nine hundred sixty-two dollars and No/00ths ($ 18,962.00) for a period of
     five (5) years, provided that if less than five (5) such annual payments
     have been made prior to the death of the Director, the Bank shall either,
     at the discretion of the Bank, continue such annual payments to the
     individual or individuals the Director may have designated in writing and
     filed with the Bank until the full number of five (5) annual payments have
     been made, or make the total amount of said payment due in a lump sum
     discounted to present value as set forth in Subparagraph XI (K) to said
     beneficiary(ies).  In the absence of any effective designation of
     beneficiary, any such amounts becoming due and payable upon the death of
     the Director shall be payable to the duly qualified executor or
     administrator of the Director's estate.  Said payments due hereunder shall
     begin the first day of the second month following the decease of the
     Director.  Provided, however, that anything hereinabove to the contrary
     notwithstanding, no death benefit shall be payable hereunder if the
     Director commits suicide on or before the 26/th/ day of October, 2001.

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<PAGE>

V.    DEATH BENEFIT PRIOR TO RETIREMENT

      In the event the Director should die while actively serving the Bank or
      CTFSC at any time after the date of this Agreement but prior to the
      Director attaining the age of sixty-five (65) years, the Bank will pay an
      annual benefit as set forth in Paragraph IV in either, at the discretion
      of the Bank, a lump sum discounted to present value as set forth in
      Subparagraph XI (K) or annual payments for a period of five (5) years to
      such individual or individuals as the Director may have designated in
      writing and filed with the Bank. In the absence of any effective
      designation of beneficiary, any such amounts becoming due and payable upon
      the death of the Director shall be payable to the duly qualified executor
      or administrator of the Director's estate. Said payments due hereunder
      shall begin the first day of the second month following the decease of the
      Director. Provided, however, that anything hereinabove to the contrary
      notwithstanding, no death benefit shall be payable hereunder if the
      Director commits suicide on or before the 26/th/ day of October, 2001.

VI.   BENEFIT ACCOUNTING

      The Bank shall account for this benefit using the regulatory accounting
      principles of the Bank's primary federal regulator. The Bank shall
      establish an accrued liability retirement account for the Director into
      which appropriate reserves shall be accrued.

VII.  VESTING

      The Director shall be one hundred percent vested in the benefits that are
      the subject of this Agreement.

VIII. OTHER TERMINATION OF SERVICE

      Subject to Subparagraph VIII (i) hereinbelow, in the event that the
      service of the Director with CTFSC shall terminate prior to retirement
      from active service, as provided in Paragraph III, by the Director's
      voluntary action, or by the Director's discharge by CTFSC without cause,
      then the Bank shall pay to the Director an annual benefit as set forth in
      Paragraph IV. This annual benefit shall commence the first day of the
      month following the month in which the Director attains age sixty-five
      (65).

      In the event the Director's death should occur prior to the Director
      receiving the full benefit as set forth in this Paragraph VIII, an benefit
      due, or a lump sum discounted to present value as set forth in
      Subparagraph XI (K), at the discretion of the Bank, shall be paid to such
      individual or individuals as the Director may have designated in writing
      and filed with the Bank. In the absence of any effective designation of
      beneficiary, any such amounts shall be payable to the duly

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<PAGE>

     qualified executor or administrator of the Director's estate. Said payments
     due hereunder shall begin the first day of the second month following the
     decease of the Director. Provided, however, that anything hereinabove to
     the contrary notwithstanding, no death benefit shall be payable hereunder
     if the Director commits suicide on or before the 26/th/ day of October,
     2001.

          (i) Discharge for Cause:  In the event the Director shall be
              -------------------
          discharged from service with CTFSC for cause at any time, all benefits
          provided herein shall be forfeited.  The term for "cause" shall mean
          any of the following that result in an adverse effect on CTFSC or the
          Bank: (i) gross negligence or gross neglect; (ii) the commission of a
          felony or gross misdemeanor involving moral turpitude, fraud, or
          dishonesty; (iii) the willful violation of any law, rule, or
          regulation (other than a traffic violation or similar offense); (iv)
          an intentional failure to perform stated duties; or (v) a breach of
          fiduciary duty involving personal profit.  If a dispute arises as to
          discharge for "cause", such dispute shall be resolved by arbitration
          as set forth in this Directors Delayed Compensation Plan Agreement.

IX.  CHANGE OF CONTROL

     Change of Control shall be deemed to be the cumulative transfer of more
     than fifty percent (50%) of the voting stock of CTFSC from the date of this
     Agreement.  For the purposes of this Agreement, transfers on account of
     deaths or gifts, transfers between family members or transfers to a
     qualified retirement plan maintained by CTFSC shall not be considered in
     determining whether there has been a change in control.  Upon a Change of
     Control, if the Director subsequently suffers a Termination of Service
     (voluntary or involuntary), except for cause, then the Director shall
     receive the benefits as set forth in Paragraph VIII herein.

X.   RESTRICTIONS ON FUNDING

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

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

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<PAGE>

     right, title or interest in or to any specific funding investment or to any
     assets of the Bank.

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

XI.  MISCELLANEOUS

     A.   Alienability and Assignment Prohibition:
          ---------------------------------------

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

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

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

     C.   Amendment or Revocation:
          -----------------------

          It is agreed by and between the parties hereto that, during the
          lifetime of the Director, this Directors Delayed Compensation Plan
          Agreement may be amended or revoked at any time or times, in whole or
          in part, by the mutual written consent of the Director and the Bank.

     D.   Gender:
          ------

          Whenever in this Directors Delayed Compensation Plan Agreement words
          are used in the masculine or neuter gender, they shall be read and

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<PAGE>

          construed as in the masculine, feminine or neuter gender, whenever
          they should so apply.

     E.   Effect on Other Benefit Plans of the Bank or CTFSC:
          --------------------------------------------------

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

     F.   Headings:
          --------

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

     G.   Applicable Law:
          --------------

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

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

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

     I.   Partial Invalidity:
          ------------------

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

     J.   Continuation as Director:
          ------------------------

          Neither this Agreement nor the payments of any benefits thereunder
          shall be construed as giving to the Director any right to be retained
          as a member of the Board of Directors of CTFSC.

                                       6
<PAGE>

     K.   Present Value:
          -------------

          All present value calculations under this Agreement shall be based on
          the following interest rate:

          Interest Rate:  The interest rate of 30-year Treasury securities
                          published by the Board of Directors of the Federal
                          Reserve System for the month immediately preceding the
                          month in which the present value is determined.

XII. ERISA PROVISION

     A.   Named Fiduciary and Plan Administrator:
          --------------------------------------

          The "Named Fiduciary and Plan Administrator" of this Directors Delayed
          Compensation Plan Agreement shall be Community Trust Bank until its
          resignation or removal by the Board.  As Named Fiduciary and Plan
          Administrator, the Bank shall be responsible for the management,
          control and administration of the Directors Delayed Compensation Plan
          Agreement.  The Named Fiduciary may delegate to others certain aspects
          of the management and operation responsibilities of the Directors
          Delayed Compensation Plan Agreement including the employment of
          advisors and the delegation of ministerial duties to qualified
          individuals.

     B.   Claims Procedure and Arbitration:
          --------------------------------

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

          If claimants desire a second review they shall notify the Named
          Fiduciary and Plan Administrator in writing within sixty (60) days of
          the first claim

                                       7
<PAGE>

          denial. Claimants may review this Directors Delayed Compensation Plan
          Agreement or any documents relating thereto and submit any written
          issues and comments it may feel appropriate. In its sole discretion,
          the Named Fiduciary and Plan Administrator shall then review the
          second claim and provide a written decision within sixty (60) days of
          receipt of such claim. This decision shall likewise state the specific
          reasons for the decision and shall include reference to specific
          provisions of the Plan Agreement upon which the decision is based.

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

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

XIII. TERMINATION OR MODIFICATION OF AGREEMENT BY REASON
      OF CHANGES IN THE LAW, RULES OR REGULATIONS

      The Bank is entering into this Agreement upon the assumption that certain
      existing tax laws, rules and regulations will continue in effect in their
      current form. If any said assumptions should change and said change has a
      detrimental effect on this Directors Delayed Compensation Plan Agreement,
      then the Bank reserves the right to terminate or modify this Agreement
      accordingly. Upon a Change of Control (Paragraph IX), this paragraph shall
      become null and void effective immediately upon said Change of Control.

      IN WITNESS WHEREOF, the parties hereto acknowledge that each has carefully
read this Agreement and executed the original thereof on the 26/th/ day of
October, 1999 and that, upon execution, each has received a conforming copy.

                                       8
<PAGE>

                                   COMMUNITY TRUST BANK
                                      Hiram, Georgia

/s/ Amanda Sweatman                By: /s/ J. E. Durham, Jr. SVP
---------------------                  ---------------------------
Witness                                                      Title

/s/ Amanda Sweatman                /s/ R. Alan Bullock
---------------------              -------------------------------
Witness                            R. Alan Bullock

                                       9

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