Document:

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                                                                    EXHIBIT 4.2

[GREEN BORDER DESIGN]

                             [FRONT OF CERTIFICATE]

NUMBER                                                                   SHARES

                   COMMUNITY FINANCIAL HOLDING COMPANY, INC.
              INCORPORATED UNDER THE LAWS OF THE STATE OF GEORGIA

          AUTHORIZED COMMON SHARES, 10,000,000 SHARES, PAR VALUE $5.00

         THIS CERTIFIES THAT [SPECIMEN] is the registered holder of
_________________________________________________________________ Shares of the
Common Stock of Community Financial Holding Company, Inc. which are fully paid
and non-assessable and which are transferable only on the books of the
Corporation by the holder hereof in person or by Attorney upon surrender of
this Certificate properly endorsed.

         In Witness Whereof, the said Corporation has caused this Certificate
to be signed by its duly authorized officers and its Corporate Seal to be
hereunto affixed this ___________ day of _________________ A.D. ______.

------------------------------------       ------------------------------------
Ann K. Marshall            Secretary       Thomas J. Martin           President

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                             [BACK OF CERTIFICATE]

                   COMMUNITY FINANCIAL HOLDING COMPANY, INC.

         The following abbreviations, when used in the inscription on the face
of this certificate, shall be construed as though they were written out in full
according to applicable laws or regulations:

TEN COM - as tenants in common             UNIF GIFT MIN ACT -     Custodian
TEN ENT - as tenants by the entireties                         (Cust)   (Minor)
JT TEN  - as joint tenants with the right                      under the
          of survivorship and not as                           Uniform Gifts to
          tenants in common                                    Minors Act
                                                               ________________
                                                                    (State)

    Additional abbreviations may also be used though not in the above list.

         For value received, ________________________________________ hereby
sell, assign and transfer unto _______________________________ [PLEASE INSERT
SOCIAL SECURITY OR OTHER IDENTIFYING NUMBER OF ASSIGNEE]
_______________________________________________________________________________
             Please print or typewrite name and address of assignee
_______________________________________________________________________________
___________________________________________________________________________
Shares represented by the within Certificate, and do hereby irrevocably
constitute and appoint ________________________________________________________
Attorney to transfer the said stock on the books of the within-named
Corporation with full power of substitution in the premises.

Dated, _________________            ___________________________________________
                                    NOTICE: The signature of this assignment
                                    must correspond with the name as written
                                    upon the face of the certificate in every
                                    particular, without alteration or
                                    enlargement, or any change whatever.

     In presence of

________________________<PAGE>
                                                                    EXHIBIT 10.1

                                                    Agreement Number:

                                    AGREEMENT

                                     between

                             FISERV SOLUTIONS, INC.
                                255 Fiserv Drive
                            Brookfield, WI 53045-5815

                                       and

                             GWINNETT COMMUNITY BANK
                               3146 Buford Highway
                              Duluth, Georgia 30096

                               Date: June 1, 1999

                                 [FISERV LOGO]

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AGREEMENT dated as of June 8, 1999 ("Agreement") between FISERV SOLUTIONS, INC.,
a Wisconsin corporation ("Fiserv"), and Gwinnett Community Bank , a Georgia
Financial Services Company ("Client").

         Fiserv and Client hereby agree as follows:

         1. Term. The initial term of this Agreement shall be 61 months and,
unless written notice of non-renewal is provided by either party at least 180
days prior to expiration of the initial term or any renewal term, this Agreement
shall automatically renew for a renewal term of 5 years. This Agreement shall
commence on the earliest of the day Fiserv Services (as defined below) are first
used by Client or September 6, 1999 .

         2. Services. (a) Services Generally. Fiserv, itself and through its
affiliates, agrees to provide Client, and Client agrees to obtain from Fiserv
services ("Services") and products ("Products") (collectively, "Fiserv
Services") described in the attached Exhibits:

         Exhibit A - Account Processing Services
         Exhibit B - Item Processing Services
         Exhibit H - Additional Services (Disaster Recovery)

         The Exhibits set forth specific terms and conditions applicable to the
Services and/or Products, and, where applicable, the Fiserv affiliate so
performing. Client may select additional services and products from time to time
by incorporating an appropriate Exhibit to this Agreement.

         (b) Conversion Services. Fiserv will convert Client's existing
applicable data and/or information to the Fiserv Services. Those activities
designed to transfer the processing from Client's present servicer to the Fiserv
Services are referred to as "Conversion Services". Client agrees to cooperate
with Fiserv in connection with Fiserv's provision of Conversion Services and to
provide all necessary information and assistance to facilitate the conversion.
Client is responsible for all out-of-pocket expenses associated with the
Conversion Services. Fiserv will provide Conversion Services as required in
connection with Fiserv Services.

         (c) Training Services. Fiserv shall provide training, training aids,
user manuals, and other documentation for Client's use as Fiserv finds necessary
to enable Client personnel to become familiar with Fiserv Services. If requested
by Client, classroom training in the use and operation of Fiserv Services will
be provided at a training facility designated by Fiserv. All such training aids
and manuals remain Fiserv's property.

         3. Fees for Fiserv Services. (a) General. Client agrees to pay Fiserv:

         (i) estimated fees for Fiserv Services for the following month as
         specified in the Exhibits;
         (ii) estimated out-of-pocket charges for the following month payable by
         Fiserv for the account of Client; and
         (iii) estimated Taxes (as defined below) thereon (collectively,
         "Estimated Fees").

Fiserv shall timely reconcile Estimated Fees paid by Client for the Fiserv
Services for the month and the fees and charges actually due Fiserv based on
Client's actual use of Fiserv Services for such month. Fiserv shall either issue
a credit to Client or provide Client with an invoice for any additional fees or
other charges owed. Fiserv may change the amount of Estimated Fees billed to
reflect appropriate changes in actual use of Fiserv Services. Estimated Fees may
be increased from time to time as set forth in the Exhibits. Upon notification
to and acceptance by Client, Fiserv may increase its fees in excess of amounts
listed in the Exhibits in the event that Fiserv implements major system
enhancements to comply with changes in law, government regulation, or industry
practices.

         (b) Additional Charges. Fees for out-of-pocket expenses, such as
telephone, microfiche, courier, and other charges incurred by Fiserv for goods
or services obtained by Fiserv on Client's behalf shall be billed to Client at
cost plus the applicable Fiserv administrative fee. Such out-of-pocket expenses
may be changed from time to time upon notification of a fee change from a
vendor/provider.

         (c) Taxes. Fiserv shall add to each invoice any sales, use, excise,
value added, and other taxes and duties however designated that are levied by
any taxing authority relating to the Fiserv Services ("Taxes"). In no event
shall "Taxes" include taxes based upon the net income of Fiserv.

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         (d) Exclusions. The Estimated Fees do not include, and Client shall be
responsible for, furnishing transportation or transmission of information
between Fiserv's service center(s), Client's site(s), and any applicable
clearing house, regulatory agency, or Federal Reserve Bank.

         (e) Payment Terms. Estimated Fees are due and payable monthly upon
receipt of invoice. Client shall pay Fiserv through the Automated Clearing
House. In the event any amounts due remain unpaid beyond the 30th day after
payment is due, Client shall pay a late charge of 1.5% per month. Client agrees
that it shall neither make nor assert any right of deduction or set-off from
Estimated Fees on invoices submitted by Fiserv for Fiserv Services.

         4. Access to Fiserv Services. (a) Procedures. Client agrees to comply
with applicable regulatory requirements and procedures for use of Services
established by Fiserv.

         (b) Changes. Fiserv continually reviews and modifies Fiserv systems
used in the delivery of Services (the "Fiserv System") to improve service and
comply with government regulations, if any, applicable to the data and
information utilized in providing Services. Fiserv reserves the right to make
changes in Services, including but not limited to operating procedures, type of
equipment or software resident at, and the location of Fiserv's service
center(s). Fiserv will notify Client of any material change that affects
Client's normal operating procedures, reporting, or service costs prior to
implementation of such change.

         (c) Communications Lines. Fiserv shall order the installation of
appropriate communication lines and equipment to facilitate Client's access to
Services. Client understands and agrees to pay charges relating to the
installation and use of such lines and equipment as set forth in the Exhibits.

         (d) Terminals and Related Equipment. Client shall obtain necessary and
sufficient terminals and other equipment, approved by Fiserv and compatible with
the Fiserv System, to transmit and receive data and information between Client's
location(s), Fiserv's service center(s), and/or other necessary location(s).
Fiserv and Client may mutually agree to change the type(s) of terminal and
equipment used by Client.

         5. Client Obligations. (a) Input. Client shall be solely responsible
for the input, transmission, or delivery to and from Fiserv of all information
and data required by Fiserv to perform Services unless Client has retained
Fiserv to handle such responsibilities, as specifically set forth in the
Exhibits. The information and data shall be provided in a format and manner
approved by Fiserv. Client will provide at its own expense or procure from
Fiserv all equipment, computer software, communication lines, and interface
devices required to access the Fiserv System. If Client has elected to provide
such items itself, Fiserv shall provide Client with a list of compatible
equipment and software; Client agrees to pay Fiserv's standard fee for
recertification of the Fiserv System resulting therefrom.

         (b) Client Personnel. Client shall designate appropriate Client
personnel for training in the use of the Fiserv System, shall supply Fiserv with
reasonable access to Client's site during normal business hours for Conversion
Services and shall cooperate with Fiserv personnel in their performance of
Services, including Conversion Services.

         (c) Use of Fiserv System. Client shall (i) comply with any operating
instructions on the use of the Fiserv System provided by Fiserv; (ii) review all
reports furnished by Fiserv for accuracy; and (iii) work with Fiserv to
reconcile any out of balance conditions. Client shall determine and be
responsible for the authenticity and accuracy of all information and data
submitted to Fiserv.

         (d) Client's Systems. Client shall be responsible for ensuring that its
systems are Year 2000 compliant and capable of passing and/or accepting date
formats from and/or to the Fiserv System.

         6. Ownership and Confidentiality. (a) Definition.

         (i) Client Information. "Client Information" means: (A) confidential
         plans, customer lists, information, and other proprietary material of
         Client that is marked with a restrictive legend, or if not so marked
         with such legend or is disclosed orally, is identified as confidential
         at the time of disclosure (and written confirmation thereof is promptly
         provided to Fiserv); and (B) any information and data concerning the
         business and financial records of Client's customers prepared by or for
         Fiserv, or used in any way by Fiserv in connection with the provision
         of Fiserv Services (whether or not any such information is marked with
         a restrictive legend).

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         (ii) Fiserv Information. "Fiserv Information" means: (A) confidential
         plans, information, research, development, trade secrets, business
         affairs (including that of any Fiserv client, supplier, or affiliate),
         and other proprietary material of Fiserv that is marked with a
         restrictive legend, or if not so marked with such legend or is
         disclosed orally, is identified as confidential at the time of
         disclosure (and written confirmation thereof is promptly provided to
         Client); and (B) Fiserv's proprietary computer programs, including
         custom software modifications, software documentation and training
         aids, and all data, code, techniques, algorithms, methods, logic,
         architecture, and designs embodied or incorporated therein (whether or
         not any such information is marked with a restrictive legend).

         (iii) Information. "Information" means Client Information and Fiserv
         Information. No obligation of confidentiality applies to any
         Information that the receiving party ("Recipient") (A) already
         possesses without obligation of confidentiality; (B) develops
         independently; or (C) rightfully receives without obligation of
         confidentiality from a third party. No obligation of confidentiality
         applies to any Information that is, or becomes, publicly available
         without breach of this Agreement.

         (b) Obligations. Recipient agrees to hold as confidential all
Information it receives from the disclosing party ("Discloser"). All Information
shall remain the property of Discloser or its suppliers and licensors.
Information will be returned to Discloser at the termination or expiration of
this Agreement. Recipient will use the same care and discretion to avoid
disclosure of Information as it uses with its own similar information that it
does not wish disclosed, but in no event less than a reasonable standard of
care. Recipient may use Information for any purpose that does not violate such
obligation of confidentiality. Recipient may disclose Information to (i)
employees and employees of affiliates who have a need to know; and (ii) any
other party with Discloser's written consent. Before disclosure to any of the
above parties, Recipient will have a written agreement with such party
sufficient to require that party to treat Information in accordance with this
Agreement. Recipient may disclose Information to the extent required by law.
However, Recipient agrees to give Discloser prompt notice so that it may seek a
protective order. The provisions of this sub-section survive any termination or
expiration of this Agreement.

         (c) Residuals. Nothing contained in this Agreement shall restrict
Recipient from the use of any ideas, concepts, know-how, or techniques contained
in Information that are related to Recipient's business activities
("Residuals"), provided that in so doing, Recipient does not breach its
obligations under this Section. However, this does not give Recipient the right
to disclose the Residuals except as set forth elsewhere in this Agreement.

         (d) Fiserv System. The Fiserv System contains information and computer
software that are proprietary and confidential information of Fiserv, its
suppliers, and licensors. Client agrees not to attempt to circumvent the devices
employed by Fiserv to prevent unauthorized access to the Fiserv System,
including, but not limited to, alterations, decompiling, disassembling,
modifications, and reverse engineering thereof.

         (e) Confidentiality of this Agreement. Fiserv and Client agree to keep
confidential the prices, terms and conditions of this Agreement, without
disclosure to third parties.

         7. Regulatory Agencies, Regulations and Legal Requirements. (a) Client
Files. Records maintained and produced for Client ("Client Files") may be
subject to examination by such Federal, State, or other governmental regulatory
agencies as may have jurisdiction over Client's business to the same extent as
such records would be subject if maintained by Client on its own premises.
Client agrees that Fiserv is authorized to give all reports, summaries, or
information contained in or derived from the data or information in Fiserv's
possession relating to Client when formally requested to do so by an authorized
regulatory or government agency.

         (b) Compliance with Regulatory Requirements. Client agrees to comply
with applicable regulatory and legal requirements, including without limitation:

         (i) submitting a copy of this Agreement to the appropriate regulatory
         agencies prior to the date Services commence;
         (ii) providing adequate notice to the appropriate regulatory agencies
         of the termination of this Agreement or any material changes in
         Services;
         (iii) retaining records of its accounts as required by regulatory
         authorities;
         (iv) obtaining and maintaining, at its own expense, any Fidelity Bond
         required by any regulatory or governmental agency; and
         (v) maintaining, at its own expense, such casualty and business
         interruption insurance coverage for loss of records from fire,
         disaster, or other causes, and taking such precautions regarding the
         same, as may be required by regulatory authorities.

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         8. Warranties. (a) Fiserv Warranties. Fiserv represents and warrants
that:

         (i)(A) Services will conform to the specifications set forth in the
         Exhibits; (B) Fiserv will perform Client's work accurately provided
         that Client supplies accurate data and information, and follows the
         procedures described in all Fiserv documentation, notices, and advices;
         (C) Fiserv personnel will exercise due care in provision of Services;
         (D) the Fiserv System will comply in all material respects with all
         applicable Federal and State regulations governing Services; and (E)
         the Fiserv System is or will be Year 2000 compliant. In the event of an
         error or other default caused by Fiserv personnel, systems, or
         equipment, Fiserv shall correct the data or information and/or
         reprocess the affected item or report at no additional cost to Client.
         Client agrees to supply Fiserv with a written request for correction of
         the error within 7 days after Client's receipt of the work containing
         the error. Work reprocessed due to errors in data supplied by Client,
         on Client's behalf by a third party, or by Client's failure to follow
         procedures set forth by Fiserv shall be billed to Client at Fiserv's
         then current time and material rates; and

         (ii) it owns or has a license to furnish all equipment or software
         comprising the Fiserv System. Fiserv shall indemnify Client and hold it
         harmless against any claim or action that alleges that the Fiserv
         System use infringes a United States patent, copyright, or other
         proprietary right of a third party. Client agrees to notify Fiserv
         promptly of any such claim and grants Fiserv the sole right to control
         the defense and disposition of all such claims. Client shall provide
         Fiserv with reasonable cooperation and assistance in the defense of any
         such claim.

THE WARRANTIES STATED ABOVE ARE LIMITED WARRANTIES AND ARE THE ONLY WARRANTIES
MADE BY FISERV. FISERV DOES NOT MAKE, AND CLIENT HEREBY EXPRESSLY WAIVES, ALL
OTHER WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A
PARTICULAR PURPOSE. THE STATED EXPRESS WARRANTIES ARE IN LIEU OF ALL LIABILITIES
OR OBLIGATIONS OF FISERV FOR DAMAGES ARISING OUT OF OR IN CONNECTION WITH THE
DELIVERY, USE, OR PERFORMANCE OF FISERV SERVICES.

         (b) Client Warranties. Client represents and warrants that: (A) no
contractual obligations exist that would prevent Client from entering into this
Agreement; (B) it has complied with all applicable regulatory requirements; and
(C) Client has requisite authority to execute, deliver, and perform this
Agreement. Client shall indemnify and hold harmless Fiserv, its officers,
directors, employees, and affiliates against any claims or actions arising out
of (X) the use by Client of the Fiserv System in a manner other than that
provided in this Agreement; and (Y) any and all claims by third parties through
Client arising out of the performance and non-performance of Fiserv Services by
Fiserv, provided that the indemnity listed in clause (Y) hereof shall not
preclude Client's recovery of direct damages pursuant to the terms and subject
to the limitations of this Agreement.

         9. Limitation of Liability. (a) General. IN NO EVENT SHALL FISERV BE
LIABLE FOR LOSS OF GOODWILL, OR FOR SPECIAL, INDIRECT, INCIDENTAL, OR
CONSEQUENTIAL DAMAGES ARISING FROM CLIENT'S USE OF FISERV SERVICES, OR FISERV'S
SUPPLY OF EQUIPMENT OR SOFTWARE, REGARDLESS OF WHETHER SUCH CLAIM ARISES IN TORT
OR IN CONTRACT. CLIENT MAY NOT ASSERT ANY CLAIM AGAINST FISERV MORE THAN 2 YEARS
AFTER SUCH CLAIM ACCRUED. FISERV'S AGGREGATE LIABILITY FOR ANY AND ALL CAUSES OF
ACTION RELATING TO SERVICES SHALL BE LIMITED TO THE TOTAL FEES PAID BY CLIENT TO
FISERV FOR SERVICES RESULTING IN SUCH LIABILITY IN THE 2 MONTH PERIOD PRECEDING
THE DATE THE CLAIM ACCRUED. FISERV'S AGGREGATE LIABILITY FOR A DEFAULT RELATING
TO EQUIPMENT OR SOFTWARE SHALL BE LIMITED TO THE AMOUNT PAID BY CLIENT FOR THE
EQUIPMENT OR SOFTWARE.

         (b) Lost Records. If Client's records or other data submitted for
processing are lost or damaged as a result of any failure by Fiserv, its
employees, or agents to exercise reasonable care to prevent such loss or damage,
Fiserv's liability on account of such loss or damages shall not exceed the
reasonable cost of reproducing such records or data from exact duplicates
thereof in Client's possession.

         10. Disaster Recovery. (a) General. Fiserv maintains a disaster
recovery plan ("Disaster Recovery Plan") for each Service. A "Disaster" shall
mean any unplanned interruption of the operations of or inaccessibility to
Fiserv's service center in which Fiserv, using reasonable judgment, requires
relocation of processing to a recovery location. Fiserv shall notify Client as
soon as possible after Fiserv deems a service outage to be a Disaster. Fiserv
shall move the processing of Client's standard services to a recovery location
as expeditiously as possible and shall coordinate the cut-over to back-up
telecommunication facilities with the appropriate carriers. Client shall
maintain adequate records of all transactions during the period of service
interruption and shall have personnel available to assist Fiserv in implementing
the switchover to the recovery location. During a Disaster, optional or
on-request services shall be provided by Fiserv only to the extent adequate
capacity exists at the recovery location and only after stabilizing the
provision of base services.

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         (b) Communications. Fiserv shall work with Client to establish a plan
for alternative communications in the event of a Disaster.

         (c) Disaster Recovery Test. Fiserv shall test the Disaster Recovery
Plan periodically. Client agrees to participate in and assist Fiserv with such
test, if requested by Fiserv. Upon Client request, test results will be made
available to Client's management, regulators, auditors, and insurance
underwriters.

         (d) Client Plans. Fiserv agrees to release information necessary to
allow Client's development of a disaster recovery plan that operates in concert
with the Disaster Recovery Plan.

         (e) No Warranty. Client understands and agrees that the Disaster
Recovery Plan is designed to minimize, but not eliminate, risks associated with
a Disaster affecting Fiserv's service center(s). Fiserv does not warrant that
Fiserv Services will be uninterrupted or error free in the event of a Disaster;
no performance standards shall be applicable for the duration of a Disaster.
Client maintains responsibility for adopting a disaster recovery plan relating
to disasters affecting Client's facilities and for securing business
interruption insurance or other insurance necessary for Client's protection.

         11. Termination. (a) Material Breach. Except as provided elsewhere in
this Section 11, either party may terminate this Agreement in the event of a
material breach by the other party not cured within 90 days following written
notice stating, with particularity and in reasonable detail, the nature of the
claimed breach.

         (b) Failure to Pay. In the event any invoice remains unpaid by Client
30 days after due, or Client deconverts any data or information from the Fiserv
System without prior written consent of Fiserv, Fiserv, at its sole option, may
terminate this Agreement and/or Client's access to and use of Fiserv Services.
Any invoice submitted by Fiserv shall be deemed correct unless Client provides
written notice to Fiserv within 15 days of the invoice date specifying the
nature of the disagreement.

         (c) Remedies. Remedies contained in this Section 11 are cumulative and
are in addition to the other rights and remedies available to Fiserv under this
Agreement, by law or otherwise.

         (d) Defaults. If Client:

         (i) defaults in the payment of any sum of money due;
         (ii) breaches this Agreement in any material respect or otherwise
         defaults in any material respect in the performance of any of its
         obligations; or
         (iii) commits an act of bankruptcy or becomes the subject of any
         proceeding under the Bankruptcy Code or becomes insolvent or if any
         substantial part of Client's property becomes subject to any levy,
         seizure, assignment, application, or sale for or by any creditor or
         governmental agency;

then, in any such event, Fiserv may, upon written notice, terminate this
Agreement and be entitled to recover from Client as liquidated damages an amount
equal to the present value of all payments remaining to be made hereunder for
the remainder of the initial term or any renewal term of this Agreement. For
purposes of the preceding sentence, present value shall be computed using the
"prime" rate (as published in The Wall Street Journal) in effect at the date of
termination and "all payments remaining to be made" shall be calculated based on
the average bills for the 3 months immediately preceding the date of
termination. Client agrees to reimburse Fiserv for any expenses Fiserv may
incur, including reasonable attorneys' fees, in taking any of the foregoing
actions.

         (e) Convenience. Client may terminate this Agreement during any term by
paying a termination fee based on the remaining unused term of this Agreement,
the amount to be determined by multiplying Client's largest monthly invoice for
each Fiserv Service received by Client during the term (or if no monthly invoice
has been received, the sum of the estimated monthly billing for each Fiserv
Service to be received hereunder) by 80% times the remaining months of the term,
plus any unamortized conversion fees or third party costs existing on Fiserv's
books on the date of termination. Client understands and agrees that Fiserv
losses incurred as a result of early termination of the Agreement would be
difficult or impossible to calculate as of the effective date of termination
since they will vary based on, among other things, the number of clients using
the Fiserv System on the date the Agreement terminates. Accordingly, the amount
set forth in the first sentence of this subsection represents Client's agreement
to pay and Fiserv's agreement to accept as liquidated damages (and not as a
penalty) such amount for any such Client termination.

         (f) Merger. In the event of a merger between Client and another
organization in which Client is not the surviving organization and where the
other organization was not previously a user of Fiserv services similar to the
Services, Fiserv will allow an early termination of this Agreement upon the
following terms and conditions:

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         (i) written notice must be given 3 months in advance, specifying the
         termination date;
         (ii) Fiserv may specify a deconversion date based on its previous
         commitments and work loads; and
         (iii) Fiserv may charge a termination fee in accordance with subsection
         (e) above.

         (g) Return of Data Files. Upon expiration or termination of this
Agreement, Fiserv shall furnish to Client such copies of Client Files as Client
may request in Fiserv's standard machine readable format along with such
information and assistance as is reasonable and customary to enable Client to
deconvert from the Fiserv System, provided, however, that Client consents and
agrees and authorizes Fiserv to retain Client Files until (i) Fiserv is paid in
full for (A) all Services provided through the date such Client Files are
returned to Client; and (B) any and all other amounts that are due or will
become due under this Agreement; (ii) Fiserv is paid its then standard rates for
the services necessary to return such Client Files; (iii) if this Agreement is
being terminated, Fiserv is paid any applicable termination fee pursuant to
subsection (d), (e), or (f) above; and (iv) Client has returned to Fiserv all
Fiserv Information. Unless directed by Client in writing to the contrary, Fiserv
shall be permitted to destroy Client Files any time after 30 days from the final
use of Client Files for processing.

         (h) Miscellaneous. Client understands and agrees that Client is
responsible for the deinstallation and return shipping of any Fiserv-owned
equipment located on Client's premises.

         12. Arbitration. (a) General. Except with respect to disputes arising
from a misappropriation or misuse of either party's proprietary rights, any
dispute or controversy arising out of this Agreement, or its interpretation,
shall be submitted to and resolved exclusively by arbitration under the rules
then prevailing of the American Arbitration Association, upon written notice of
demand for arbitration by the party seeking arbitration, setting forth the
specifics of the matter in controversy or the claim being made. The arbitration
shall be heard before an arbitrator mutually agreeable to the parties; provided,
that if the parties cannot agree on the choice of arbitrator within 10 days
after the first party seeking arbitration has given written notice, then the
arbitration shall be heard by three arbitrators, one chosen by each party, and
the third chosen by those two arbitrators. The arbitrators will be selected from
a panel of persons having experience with and knowledge of information
technology and at least one of the arbitrators selected will be an attorney. A
hearing on the merits of all claims for which arbitration is sought by either
party shall be commenced not later than 60 days from the date demand for
arbitration is made by the first party seeking arbitration. The arbitrator(s)
must render a decision within 10 days after the conclusion of such hearing. Any
award in such arbitration shall be final and binding upon the parties and the
judgment thereon may be entered in any court of competent jurisdiction.

         (b) Applicable Law. The arbitration shall be governed by the United
States Arbitration Act, 9 U.S.C. 1-16. The arbitrators shall apply the
substantive law of the State of Georgia, without reference to provisions
relating to conflict of laws. The arbitrators shall not have the power to alter,
modify, amend, add to, or subtract from any term or provision of this Agreement,
nor to rule upon or grant any extension, renewal, or continuance of this
Agreement. The arbitrators shall have the authority to grant any legal remedy
available had the parties submitted the dispute to a judicial proceeding.

         (c) Situs. If arbitration is required to resolve any disputes between
the parties, the proceedings to resolve any such dispute shall be held in
Atlanta, Georgia.

         13. Insurance. Fiserv carries the following types of insurance
policies:

         (i) Comprehensive General Liability in an amount not less than $1
         million per occurrence for claims arising out of bodily injury and
         property damage;
         (ii) Commercial Crime covering employee dishonesty in an amount not
         less than $5 million;
         (iii) All-risk property coverage including Extra Expense and Business
         Income coverage; and
         (iv) Workers Compensation as mandated or allowed by the laws of the
         state in which Services are being performed, including $500,000
         coverage for Employer's Liability.

         14. Audit. Fiserv employs an internal auditor responsible for ensuring
the integrity of its processing environments and internal controls. In addition,
Fiserv provides for periodic independent audits of its operations. Fiserv shall
provide Client with a copy of the audit of the Fiserv service center providing
Services within a reasonable time after its completion and shall charge each
client a fee based on the pro rata cost of such audit. Fiserv shall also provide
a copy of such audit to the appropriate regulatory agencies, if any, having
jurisdiction over Fiserv's provision of Services.

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         15. General. (a) Binding Agreement. This Agreement is binding upon the
parties and their respective successors and permitted assigns. Neither this
Agreement nor any interest may be sold, assigned, transferred, pledged, or
otherwise disposed of by Client, whether pursuant to change of control or
otherwise, without Fiserv's prior written consent. Client agrees that Fiserv may
subcontract any Services to be performed hereunder. Any such subcontractors
shall be required to comply with all applicable terms and conditions.

         (b) Entire Agreement. This Agreement, including its Exhibits, which are
expressly incorporated herein by reference, constitutes the complete and
exclusive statement of the agreement between the parties as to the subject
matter hereof and supersedes all previous agreements with respect thereto.
Modifications of this Agreement must be in writing and signed by duly authorized
representatives of the parties. Each party hereby acknowledges that it has not
entered into this Agreement in reliance upon any representation made by the
other party not embodied herein. In the event any of the provisions of any
Exhibit are in conflict with any of the provisions of this Agreement, the terms
and provisions of this Agreement shall control unless the Exhibit in question
expressly provides that its terms and provisions shall control.

         (c) Severability. If any provision of this Agreement is held to be
unenforceable or invalid, the other provisions shall continue in full force and
effect.

         (d) Governing Law. This Agreement will be governed by the substantive
laws of the State of Georgia, without reference to provisions relating to
conflict of laws. The United Nations Convention of Contracts for the
International Sale of Goods shall not apply to this Agreement.

         (e) Force Majeure. Neither party shall be responsible for delays or
failures in performance resulting from acts reasonably beyond the control of
that party.

         (f) Notices. Any written notice required or permitted to be given
hereunder shall be given by: (i) Registered or Certified Mail, Return Receipt
Requested, postage prepaid; (ii) confirmed facsimile; or (iii) nationally
recognized courier service to the other party at the addresses listed on the
cover page or to such other address or person as a party may designate in
writing. All such notices shall be effective upon receipt.

         (g) No Waiver. The failure of either party to insist on strict
performance of any of the provisions hereunder shall not be construed as the
waiver of any subsequent default of a similar nature.

         (h) Financial Statements. Fiserv shall provide Client and the
appropriate regulatory agencies so requiring a copy of Fiserv, Inc.'s audited
consolidated financial statements.

         (i) Prevailing Party. The prevailing party in any arbitration, suit, or
action brought against the other party to enforce the terms of this Agreement or
any rights or obligations hereunder, shall be entitled to receive its reasonable
costs, expenses, and attorneys' fees of bringing such arbitration, suit, or
action.

         (j) Survival. All rights and obligations of the parties under this
Agreement that, by their nature, do not terminate with the expiration or
termination of this Agreement shall survive the expiration or termination of
this Agreement.

         (k) Exclusivity. Client agrees that Fiserv shall be the sole and
exclusive provider of the services that are the subject matter of this
Agreement. For purposes of the foregoing, the term "Client" shall include Client
affiliates. During the term of this Agreement, Client agrees not to enter into
an agreement with any other entity to provide these services (or similar
services) without Fiserv's prior written consent. If Client acquires another
entity, the exclusivity provided to Fiserv hereunder shall take effect with
respect to such acquired entity as soon as practicable after termination of such
acquired entity's previously existing arrangement for these services. If Client
is acquired by another entity, the exclusivity provided to Fiserv hereunder
shall apply with respect to the level or volume of these services provided
immediately prior to the signing of the definitive acquisition agreement
relating to such acquisition and shall continue with respect to the level or
volume of these services until any termination or expiration of this Agreement.

                                       8

<PAGE>

         (l) Recruitment of Employees. Client agrees not to hire Fiserv's
employees during the term of this Agreement and for a period of 6 months after
any termination or expiration thereof, except with Fiserv's prior written
consent.

         IN WITNESS WHEREOF, the parties have caused this Agreement to be
executed by their duly authorized representatives as of the date indicated
below.

For Client:                            For Fiserv:

GWINNETT COMMUNITY BANK                FISERV SOLUTIONS, INC.

By:                                    By:
   -------------------------------        --------------------------------------
Name:                                  Name: William L. Kenney
     -----------------------------          ------------------------------------
Title:                                 Title: President Fiserv Atlanta
      ----------------------------           -----------------------------------
Date:                                  Date:
     -----------------------------          ------------------------------------

                                       9
<PAGE>

                                                                       Exhibit A

                           Account Processing Services

         Client agrees with Fiserv as follows:

         1. Services. Fiserv will provide Client the Account Processing Services
("Account Processing Services") specified in Exhibit A - 1.

         2. Fees. Client shall pay Fiserv fees and other charges for Account
Processing Services specified in Exhibit A - 2.

         3. Responsibility for Accounts. Client shall be responsible for
balancing its accounts each business day and notifying Fiserv immediately of any
errors or discrepancies. Provided that Client immediately notifies Fiserv of any
discrepancy in Client's accounts, Fiserv shall, at its expense, promptly
recompute accounts affected by discrepancies solely caused by the Fiserv Systems
or provide for another mutually agreeable resolution. Fiserv will use its
commercially reasonable efforts to correct errors attributable to Client or
Client's other third party servicers. Reconstruction of error conditions
attributable to Client or to third parties acting on Client's behalf will be
done at prevailing rates as set forth in Exhibit A - 2.

         4. Annual Histories. Fiserv currently maintains annual histories, where
applicable, for its clients. These histories can be used to reconstruct Client
Files in an emergency. However, in order to permit prompt and accurate
reconstruction of accounts, Client agrees to retain at all times and make
available to Fiserv upon request the most recent data printout(s) received from
Fiserv, together with copies or other accurate and retrievable records of all
transactions to be reflected on the next consecutive printout(s).

         5. Hours of Operation. Account Processing Services will be available
for use by Client during standard Fiserv business hours, excluding holidays, as
specified in Exhibit A - 3. Account Processing Services may be available during
additional hours, during which time Client may use Services at its option and
subject to additional charges.

         6. Protection of Data. (a) For the purpose of compliance with
applicable government regulations, Fiserv has an operations backup center, for
which Client agrees to pay the charges indicated in Exhibit A - 2. Copies of
transaction files are maintained by Fiserv off premises in secured vaults.

         (b) Fiserv provides "on-line" security via utilization of leased lines
with poll/select protocol.

         (c) Upon Client providing access to Client Files through Client's
customers' personal computers or voice response system, Client agrees to
indemnify and hold harmless Fiserv, its officers, directors, employees, and
affiliates against any claims or actions arising out of such access to Client
Files or any Fiserv files (including the files of other Fiserv clients) or the
Fiserv System or other Fiserv systems.

         7. Processing Priority. Fiserv does not subscribe to any processing
priority; all users receive equal processing consideration.

         8. Forms and Supplies. Client assumes and will pay the charges for all
customized forms, supplies, and delivery charges. Custom forms ordered through
Fiserv will be subject to a 15% administrative fee for warehousing and inventory
control. Forms ordered by Client and warehoused at Fiserv will be subject to the
administrative fee set forth in Exhibit A - 2.

         9. Regulatory Supervision. By entering into this Agreement, Fiserv
agrees that the Office of Thrift Supervision, FDIC, or other regulatory agencies
having authority over Client's operations shall have the authority and
responsibility provided to the regulatory agencies pursuant to the Bank Service
Corporation Act, 12 U.S.C. 1867(C) relating to services performed by contract or
otherwise.

<PAGE>

         IN WITNESS WHEREOF, the parties hereto have caused this Exhibit A to
the Agreement to be executed by their duly authorized representatives as of the
date indicated below.

GWINNETT COMMUNITY BANK                FISERV SOLUTIONS, INC.

By:                                    By:
   --------------------------------       --------------------------------------
Name:                                  Name: William L. Kenney
     ------------------------------         ------------------------------------
Title:                                 Title: President Fiserv Atlanta
      -----------------------------          -----------------------------------
Date:                                  Date:
     ------------------------------         ------------------------------------

<PAGE>

                                                                     Exhibit A-1

                           Account Processing Services

Fiserv will provide Client with the following Account Processing Services:

I.       Services and/or functions to be performed by Fiserv:

         A.       Maintain the necessary computer equipment in order to provide
                  Client with complete electronic bookkeeping service for
                  Deposit Accounts, Certificate Accounts, Loan Accounts, Central
                  Information System, Account Analysis, ACH (Receiving), General
                  Ledger, and On-Line Documentation five (5) days per week. The
                  Information Technology, Inc. (ITI) Premier II Banking System
                  will be used for Client's application processing.

         B.       Provide necessary assistance to Client for the initial set-up
                  to convert to the Fiserv system. Customer Service is provided
                  by toll-free telephone as follows:

         (1)      Full Customer Service specialists for all applications, Monday
                  through Friday - 8:00 a.m. to 5:00 p.m. (EST)
         (2)      Limited telephone coverage, Monday through Friday - 5:00 p.m.
                  to 7:00 p.m. (EST)
         (3)      Emergency after hours Customer Service, via Beeper - 24
                  hours/day, 7 day/week

         C.       Receive transmitted transaction data from Client at Fiserv by
                  7:00 p.m. (EST) daily or receive transaction input at a Fiserv
                  center at mutually agreed time. If transaction data is not
                  received by this appropriate time, assurance cannot be made
                  for meeting the Client's scheduled needs the following day.

         D.       Reconcile Client's balancing totals.

         E.       Exercise reasonable care in handling data submitted to Fiserv
                  and hold all information received by Fiserv in strictest
                  confidence.

         F.       Calculate and provide figures for the daily accrual of
                  interest earned, late charges due, and service charges.

         G.       Transmit selected reports to Client's remote print facility or
                  Fiserv facility for printing.

II.      Services, functions and requirements to be performed by Client for
         participation in this agreement:

         A.       Purchase/lease all equipment required in the bank to utilize
                  the services provided by Fiserv.

         B.       Provide transmitted data to Fiserv's Computer Center daily by
                  7:00 p.m. EST, or provide input data to a Fiserv center by
                  mutually agreed times, records containing the necessary
                  information to process the applications.

         C.       Provide information on new accounts, change of address,
                  changes of title and status change through the on-line data
                  entry system.

         D.       Repair and re-enter for reprocessing all rejected items,
                  handle return items and reconcile controls.

         E.       Verify signatures and stop payments, cancel and file checks,
                  microfilm, assemble and mail statements, handle return items
                  and reconcile controls.

         F.       Balance work daily to General Ledger Controls, verify new and
                  re-issued coupon books, and mail notices.

<PAGE>

                                                                     Exhibit A-1

         G.       Print and distribute reports selected by Client.

         H.       Provide necessary transportation and Content Insurance
                  coverage To and From Fiserv facility.

III.     Fiserv will provide the following ancillary support services included
         in the monthly processing fee.

         Refer to Ancillary Module Current Fees Schedule, Exhibit A-5.

         -        Fiserv and Client will mutually agree on responsibilities of
                  above services.

<PAGE>

                                                                     Exhibit A-3

                               Hours of Operation

           The Fiserv Account Processing Center will be in operation for On-Line
Accounting Processing Services in accordance with the following:

                  Monday                    8:00 A.M. - 7:00 P.M.
                  Tuesday                   8:00 A.M. - 7:00 P.M.
                  Wednesday                 8:00 A.M. - 7:00 P.M.
                  Thursday                  8:00 A.M. - 7:00 P.M.
                  Friday                    8:00 A.M. - 7:00 P.M.
                  Saturday                  8:00 A.M. - 4:00 P.M.

         All times stated are in accordance with prevailing local times for the
Fiserv Account Processing Center. The Fiserv Account Processing Center will
observe national holidays, and will be closed for on-line operations.

<PAGE>

                                                                       Exhibit B

                            Item Processing Services

         Client agrees with Fiserv as follows:

         1. Services. Fiserv will provide Client the Item Processing Services
(the "Item Processing Services") specified in Exhibit B - 1. Client agrees that
Fiserv shall be the sole provider of Item Processing or similar services. Client
shall not contract with another vendor or attempt to provide in-house any such
Item Processing Services or similar services without Fiserv's prior written
consent.

         2. Fees. Client shall pay Fiserv the fees and other charges for the
Item Processing Services specified in Exhibit B - 2. Fiserv agrees to give at
least thirty (30) days' notice to Client of any changes in the rules and
procedures established for processing items in the Exhibit of costs, fees, and
charges, unless such changes are caused by changes made by the Federal Reserve
System or otherwise beyond the control of Fiserv, not permitting Fiserv to give
such advance notice. Fiserv reserves the right to make such changes without
notice to the Exhibits as may be necessary to cover any increases in the costs
and charges of the Federal Reserve System or in other costs and charges beyond
the Fiserv's control, including changes required by applicable law or regulatory
activity. The fees listed in Exhibit B - 2 may be changed annually on the
anniversary date of this Exhibit upon 30 days notice to Client. Each change
shall be limited to the change in the U.S. Department of Labor, Consumer Price
Index for All Urban Households ("CPI") for the 12-month period preceding the
anniversary date. Fiserv will deliver a revised Exhibit B - 2 to Client with the
notification of the fee change.

         3. No Fiduciary Relationship. Fiserv shall perform such Item Processing
Services for which Fiserv shall subscribe as agent of Client, and Fiserv shall
not have by reason of this Agreement a fiduciary relationship with respect to
Client.

         4. Lost, Destroyed, and Misplaced Items. Fiserv assumes no liability
for any item lost, destroyed, or misplaced while in transit before the item
physically arrives at the premises of Fiserv and is received by Fiserv. In the
event any items are lost, destroyed, or misplaced, and such event is not due to
gross negligence or intentional misconduct by Fiserv, Client shall be solely
responsible for the costs and expenses incurred by Fiserv in reconstructing any
such items and for any damages or other losses that may be incurred by Fiserv
due to the collection of such items. In the event Fiserv negligently loses,
destroys, or misplaces deposited items after acceptance of said deposit, Fiserv
shall be liable only for the reasonable reconstruction costs of the deposit.
Reasonable reconstruction costs shall be only those costs that arise from the
reconstruction of a microfilmed deposit. Fiserv shall not be liable for the
reconstruction costs associated with a deposit for which Client can provide a
microfilmed record of such item(s) contained in the deposit. In no event shall
Fiserv be liable for the face value of any lost or missing deposit item(s).

         5. Governmental Regulation. This Exhibit shall be governed by and is
subject to: the applicable laws, regulations, rules, terms and conditions, as
presently in effect or hereafter amended or adopted, of the United States of
America, the State of Wisconsin, the Federal Reserve Board, the Federal Reserve
Banks, the Federal Housing Finance Board, and any other governmental agency or
instrumentality having jurisdiction over the subject matter of this Exhibit.
Client agrees to abide by such requirements and to execute and deliver such
agreements, documents, or other forms as may be necessary to comply with the
provisions hereof, including, without limitation, agreements to establish Fiserv
as Client's Agent for purposes of delivery of items processed hereunder from or
to the Federal Reserve Banks. Any such agreements shall be made a part of this
Agreement and are incorporated herein. A change or termination of such laws,
regulations, rules, terms, conditions, and agreements shall constitute,
respectively, a change or termination as to this Exhibit.

         6. Client Responsibilities. Client shall maintain adequate supporting
materials (i.e. exact copies of the items, records, and other data supplied to
Fiserv) in connection with the provision of Item Processing Services. Client
shall provide written notice of confirmation and/or verification of any
instructions given by Client, its agents, employees, officers, or directors to
Fiserv in connection with Fiserv's provision of Item Processing Services.

         7. Regulatory Authority. Client data and records shall be subject to
regulation and examination by government supervisory agencies to the same extent
as if such information were on Client's premises.

         8. Forms and Supplies. Client assumes and will pay the charges for all
customized forms, supplies, and delivery charges. Custom forms ordered through
Fiserv will be subject to the administrative fee set forth in Exhibit B - 2.

<PAGE>

         IN WITNESS WHEREOF, the parties hereto have caused this Exhibit B to
the Agreement to be executed by their duly authorized representatives as of the
date indicated below.

GWINNETT COMMUNITY BANK                FISERV SOLUTIONS, INC.

By:                                  By:
   ------------------------------       ----------------------------------------
Name:                                Name: Charles E. Gantt
     ----------------------------         --------------------------------------
Title:                               Title: Senior Vice President Fiserv Atlanta
      ---------------------------          -------------------------------------
Date:                                Date:
     ----------------------------         --------------------------------------

<PAGE>

                                                                     Exhibit B-1

                            Item Processing Services

Fiserv will provide Client the following Item Processing Services:

         1. INCLEARING: Client authorizes Fiserv to receive Client's inclearing
items each business day from the Federal Reserve Bank, local clearinghouse, and,
in the case of same day settlement, from presenting banks.

         (a)      Fiserv will balance the inclearing items to Client's cash
                  letters, capture the items on magnetic media, microfilm, and
                  transmit the account information to Client's account
                  processing servicer.
         (b)      Based on the agreement of Fiserv and Client, all inclearing
                  items shall be: (i) stored by Fiserv and returned to Client at
                  each statement cycle date; (ii) stored by Fiserv for future
                  statement rendering; or (iii) returned to Client.
         (c)      Unless otherwise agreed in writing, Fiserv will not check
                  signatures.

         2. PROOF: On each business day (excluding Saturdays, Sundays, and
holidays), Client will deliver to the Fiserv Processing Center checks and other
items deposited to accounts with Client, checks and other items drawn on Client
accounts presented for encashment, and transactional entries generated by
Client, such as tellers' cash tickets, general ledger entries, and loan entries.

         (a)      Client agrees to MICR encode documents to meet Fiserv
                  specifications (ABA and Account Numbers and Transaction
                  Codes).
         (b)      Client agrees to microfilm all items submitted to Fiserv.
         (c)      Client agrees that all transactional entries involving
                  tellers' cash tickets, general ledger entries, or loan entries
                  shall be in balance, and that Fiserv may return to Client
                  unprocessed any transactional entries that are not in balance.
         (d)      Client agrees to segregate all items into batches not to
                  exceed 3" in depth and to identify each such batch with a
                  batch header meeting Fiserv specifications.
         (e)      From the items submitted to Fiserv, Fiserv shall retrieve such
                  "on-us" information as may be necessary for the proper
                  accounting of the items and shall transmit this information to
                  Client's account processing servicer through telephone lines
                  or by such other means as Fiserv may from time to time deem
                  appropriate.
         (f)      Client authorizes Fiserv to create ledger suspense entries,
                  deposit corrections, or other such entries to balance
                  transactions, except for those transactions outlined in
                  sub-paragraph (c) above, as may be necessary to the efficient
                  processing of the items.
         (g)      Unless otherwise agreed in writing, Fiserv will not check
                  signatures.
         (h)      After Fiserv has completed the process of retrieving and
                  transmitting to Client's account processing servicer the
                  information necessary for processing, all items not drawn
                  against Client shall be forwarded for collection to the
                  Federal Reserve Bank or to such correspondent banks as Client
                  may reasonably designate in writing to Fiserv.
         (i)      As agreed by Fiserv and Client, all items drawn against Client
                  shall be: (i) stored by Fiserv and returned to Client at each
                  statement cycle date; (ii) stored by Fiserv for future
                  statement rendering; or (iii) returned to Client.
         (j)      All internally generated items shall be returned to Client or
                  held by Fiserv in accordance with Client's written
                  instructions.

         3. ENCODING: Fiserv will encode the dollar amount on all items needing
encoding and presented to Fiserv as part of the PROOF function described above.

         (a)      Fiserv may encode additional fields, such as account numbers,
                  deposit ticket totals or other items as specified by Client.
                  Any such encoding will be according to terms agreed to by
                  Fiserv.

         4. EXCEPTION ITEM PROCESSING: One day after receipt of items, Fiserv
will perform an automated exception item pull for all items identified by
Client's account processing system for exception pull (NSF's, holds, large
dollars, or other criteria mutually agreed to by Client and Fiserv).

         (a)      Client's account processing servicer will provide an exception
                  item file to Fiserv after posting and updating of customer
                  accounts and on a mutually agreed schedule.
         (b)      Fiserv will either reject or pay exception items in accordance
                  with instructions, either written or oral, from Client's
                  authorized officer(s) or employee(s).

<PAGE>

         (c)      In the event no instructions are received, Fiserv will follow
                  Client's standing orders for exceptions, which will be
                  provided in writing by Client.
         (d)      For items to be returned, Fiserv will: (i) stamp and qualify
                  the items and return them to the Federal Reserve Bank; or (ii)
                  provide other services as agreed by Fiserv and Client.

         5. STATEMENT RENDERING: Fiserv will store all checks, drafts, and other
orders for the payment of money drawn against accounts at Client. At each Client
account cycle date, Fiserv will sort the items by account, match them with the
monthly account statement, and mail to the statement address.

         (a)      Client will arrange for delivery of account statements to
                  Fiserv at Client's cost.
         (b)      Fiserv will add inserts to statements upon instructions from
                  Client.
         (c)      Fiserv will apply proper postage, which will be pre-paid
                  monthly on an estimated basis.
         (d)      Fiserv may, at its expense, arrange for statements to be
                  pre-sorted to reduce postage costs. In such event, Client will
                  be billed standard postage charges.

         6. COURIER SERVICES: Client is responsible for the provision of all
courier services except as noted below.

         (a)      Fiserv will provide, at its cost, standard scheduled trips
                  between Fiserv and: (i) the Federal Reserve Bank; and (ii)
                  local clearinghouse.
         (b)      Client will provide, at its cost, all other courier services,
                  including delivery of items from its branches to Fiserv and
                  the delivery of all items from Fiserv to Client.
         (c)      Client will either provide necessary courier services or
                  contract with a third party for these courier services. Client
                  will be invoiced directly for any such third party services.
         (d)      If requested by Client and agreed to in writing by Fiserv,
                  Fiserv may provide courier services, either with Fiserv
                  personnel or through a third party provider under contract to
                  Fiserv. In the event Fiserv provides courier services:

                  (i)      Client shall pay Fiserv for such courier services at
                           a rate agreed to by the parties; and
                  (ii)     Client agrees that Fiserv shall have no liability or
                           responsibility for items being transported under such
                           courier services until such items have reached Fiserv
                           premises.

         6. Fiserv and Client will mutually agree on responsibility of above
services.

<PAGE>

                                                                       EXHIBIT H

               FISERV SOLUTIONS, INC. DISASTER RECOVERY AGREEMENT
                                EFT/ATM SERVICES
                         (Atlanta Stratus Support Only)

I.       A Disaster shall mean any unplanned interruption of the operations of
         or inaccessibility to Fiserv's data center which appears in Fiserv's
         reasonable judgment to require relocation of processing to a primary
         recovery location. Fiserv shall notify Client as soon as possible after
         it deems a service outage to be a Disaster. Fiserv shall move the
         processing of Client's standard on-line services to a primary recovery
         location as expeditiously as possible and shall coordinate the cut-over
         to back-up data lines with the appropriate carriers. Client shall
         maintain adequate records of all transactions during the period of
         service interruption and shall have personnel available to assist
         Fiserv in implementing the switchover to the primary recovery location.
         During a Disaster, optional or on-request services shall be provided by
         Fiserv only to the extent that there is adequate capacity at the
         primary recovery location and only after stabilizing the provision of
         base on-line services.

II.      Fiserv shall work with Client to establish a plan for alternative data
         communications in the event of a Disaster.

III.     Fiserv shall test its Disaster Recovery Services Plan by conducting an
         annual test. Client agrees to participate in and assist Fiserv with
         such testing. Test results will be made available to Client's
         management, regulators, internal and external auditors, and (upon
         request) to Client's insurance underwriters.

IV.      Client understands and agrees that the Fiserv Disaster Recovery Plan is
         designed to minimize but not eliminate risks associated with a Disaster
         affecting Fiserv's data center. Fiserv does not warrant that service
         will be uninterrupted or error free in the event of a Disaster. Client
         maintains responsibility for adopting a disaster recovery plan relating
         to disasters affecting Client's facilities and for securing business
         interruption insurance or other insurance as necessary to properly
         protect Client's revenues in the event of a disaster.

V.       Monthly subscription fee $100.00.

ACCEPTED BY:

GWINNETT COMMUNITY BANK                FISERV SOLUTIONS, INC.

--------------------------------       -----------------------------------------
Authorized Signature                   Authorized Signature
Printed Name:                          Printed Name: William L. Kenney
Title:                                 Title: President Fiserv Atlanta

--------------------------------       -----------------------------------------
Date                                   Date

<PAGE>

                                                                       EXHIBIT H

                   FISERV ATLANTA DISASTER RECOVERY AGREEMENT
                            ITEM PROCESSING SERVICES

I.       A Disaster shall mean any unplanned interruption of the operations of
         item processing equipment and/or communications capabilities for
         transmission of captured documents. Fiserv will provide facilities for
         source document Capture, fine sort or bulk file, and Exception Item
         Pull processing at the nearest Fiserv Atlanta Item Processing facility.

II.      Fiserv shall work with the Client in arranging mutually agreed upon
         processing schedules and delivery times. It will be the responsibility
         of the Client for all transportation to and from the Fiserv processing
         facility. Client shall assume total responsibility for source documents
         in transit to and from the Fiserv facility.

III.     Fiserv shall test its Disaster Recovery Services Plan annually with the
         participation and assistance of the Client. Test results will be made
         available to Client's management, regulators, internal and external
         auditors, and (upon request) to Client's insurance underwriters.

IV.      Client maintains responsibility for securing business interruption
         insurance or other insurance as necessary to properly protect Client's
         revenues in the event of a disaster.

V.       Item Processing Service Fees:

                  $250.00  One-Time Set-Up Fee
                  $250.00  Annual Testing Fee
                  $100.00  Monthly Subscription Fee
                  $100.00 Plus $.01 per Item Processed upon Activation
                  Microfilm @ $20.00 per roll (includes film and development)
                  Transportation costs the responsibility of Client.

ACCEPTED BY:

GWINNETT COMMUNITY BANK                FISERV SOLUTIONS, INC.

---------------------------------      -----------------------------------------
Authorized Signature                   Authorized Signature
Printed Name:                          Printed Name: Charles E. Gantt
Title:                                 Title: Senior Vice President

---------------------------------      -----------------------------------------
Date                                   Date

<PAGE>

                                                                       EXHIBIT H

                   FISERV ATLANTA DISASTER RECOVERY AGREEMENT
                                ON-LINE SERVICES

I.       A Disaster shall mean any unplanned interruption of the operations of
         or inaccessibility to Fiserv's data center which appears in Fiserv's
         reasonable judgment to require relocation of processing to a primary
         recovery location. Fiserv shall notify Client as soon as possible after
         it deems a service outage to be a Disaster. Fiserv shall move the
         processing of Client's standard on-line services to a primary recovery
         location as expeditiously as possible and shall coordinate the cut-over
         to back-up data lines with the appropriate carriers. Client shall
         maintain adequate records of all transactions during the period of
         service interruption and shall have personnel available to assist
         Fiserv in implementing the switchover to the primary recovery location.
         During a Disaster, optional or on-request services shall be provided by
         Fiserv only to the extent that there is adequate capacity at the
         primary recovery location and only after stabilizing the provision of
         base on-line services.

II.      Fiserv shall work with Client to establish a plan for alternative data
         communications in the event of a Disaster.

III.     Fiserv shall test its Disaster Recovery Services Plan by conducting an
         annual test. Client agrees to participate in and assist Fiserv with
         such testing. Test results will be made available to Client's
         management, regulators, internal and external auditors, and (upon
         request) to Client's insurance underwriters.

IV.      Client understands and agrees that the Fiserv Disaster Recovery Plan is
         designed to minimize but not eliminate risks associated with a Disaster
         affecting Fiserv's data center. Fiserv does not warrant that service
         will be uninterrupted or error free in the event of a Disaster. Client
         maintains responsibility for adopting a disaster recovery plan relating
         to disasters affecting Client's facilities and for securing business
         interruption insurance or other insurance as necessary to properly
         protect Client's revenues in the event of a disaster.

V.       Monthly subscription fee $100.00.

ACCEPTED BY:

GWINNETT COMMUNITY BANK                FISERV SOLUTIONS, INC.

---------------------------------      -----------------------------------------
Authorized Signature                   Authorized Signature
Printed Name:                          Printed Name: William L. Kenney
Title:                                 Title: President Fiserv Atlanta

---------------------------------      -----------------------------------------
Date                                   Date

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