Document:

EXHIBIT 10.2

August  21,  2001
Mr.  Mickey  Womble
Ms.  Kathy  Hulsey  (FIRST  NATIONAL  BANK,  WEST  METRO)

We  have  ordered for the following building and equipment.  All items should be
on  hand  to  facilitate an early October opening.  Thank you for your business.

     One  new  Modular  Bank  Building (exterior dimensions 72' long x 36' wide)
     As  shown  on  the  attached  REVISED  FLOOR  PLAN.
            BASIC  BUILDING                                             $ 80,576
            Wood  Exterior
            Double  Door
            Rear/Slide  Door
            HVAC  each  unit  (x3)
            Corner  Lights
            Recessed  Entry
            Recessed  entry  size  increase  and  windows                    516
            Double  pane  windows                                            954
            Double  Angle  Mansard                                         4,600
            T-Grid  ceiling  with  recessed  lights                       12,855
            3/4"  %  and  G  floor  decking                                  471
            Plumbing  fixture  and  accessory  upgrade                     1,792
            OTHER  ITEMS  NOT  PREVIOUSLY  INCLUDED:                       2,020
            Two  additional  exterior  windows,  Ms.  Hulsey's  office
            Interior  French  windows
            Locks  for  interior  doors
            Shelf  in  closet
            2"  x  6"  wall  in  the  work  room  for  wire  chases
            Extra  framing  for  the  safes
            Mullions  all  windrows
            Halogen  building  lights  in  lieu  of  spots
            Base  cabinets  6'
            Bath:  (2)  soap  dispensers,  (2)  tissue holders,  (3) paper towel
            dispensers (10)  Fresh  air  dampers  N/C

            THREE  POSITION  TELLER  COUNTER  AND
            BACK  COUNTER  (CUSTOM)  AND  CHECK  STAND                     2,891
            Two  stand  up  paying  and receiving stations, One sit down station

            TOTAL  PRICE. . . . . . . . . . . . . . . . . . . . . . . . $106,675
            Plus  applicable  taxes

<PAGE>
August  21,  2001
Mr.  Mickey  Womble  and  Ms.  Kathy  Hulsey
Page 2

            DELIVERY  FREIGHT  TO  THE  SITE       *$4,135
            SET-UP  ON  YOUR  FOOTINGS  AND  PIERS
            AND  PERIMETER  WALL                    *5,100
            EXTRA  STRENGTH  BUILDING  SPEC.  FOR
            CRANE  INSTALLATION
            (*THIS  WILL  BE  BILLED  SEPARATELY,  AND  LATER)

            BANKIN  AND  OTHER  RELATED
            EQUIPMENT  (ALL  NEW)                                         30,746

            One  10'  wide  Vision  Window
            One  Deal  Drawer
            One  Night  Depository  head  and  chest  with  steel  shroud
            Five  Pedestals  with  cash  trays
            One  Money  Safe  with  six  teller  lock  ups  and two bank lockers
            Two  movement  time  clocks  on  the  money  safe

     VIDEO  SYSTEM:
            3-cameras  at  the  teller  line
            1-drive  in
            1-exterior  night  depository
            1-CSR
            2-Exits

            Eight  total  cameras  not  including  ATM
            Video  Recorder
            Switcher
            Monitor
            Cable,  connectors,  etc.
     This  is  a  very  basic  system.  There are many options available.

     ALARM  SYSTEM:
          One  Master  control, digital communicator, 12 holdup devices six bill
          traps,  one  motion  PIR system, glass break system, two complete safe
          alarm  packages,  ATM  protection

     DRIVE  UP  ATM-NCRP90

     Per  the  attached  specifications

     PRICE . . . . . . . . . . . . . . . . . . . . . . . . . . . .   $34,450.32

<PAGE>
August  21,  2001
Mr.  Mickey  Womble  and  Ms.  Kathy  Hulsey
Page 3

     FIRST  NATIONAL  BANK  OF  WEST  METRO  RESPONSIBILITIES:
     All  site  drawings  and  surveys
     Local  approval  of  building  and  foundations
     Property  and  building  set  backs
     Site  work,  curb,  gutter,  paving  and  accessibility  by  Truck
     Soil  to  have  2000  pound  per  square  foot  min.  compaction
     Site  security
     Utility  connections  including  all  metering
     All  plumbing  connections,  crossovers  and  waste manifolds (as required)
     Landscaping  and  parking  area
     ADA  wheelchair  accessibility
     Footer  and  foundation  site  prep for the building (must be inspected and
     approved  by  WS  inspector  prior  to  delivery)
     Shoring  of  the  side  wall  for  in  ground  installation
     Freight  to  the  site  and  set  up  cost
     Signage,  lighting,  awnings  and  canopies
     Any  special  building  fascia  treatment
     Open/Closed  lane  lights
     Taxes,  licenses  and  permits

We  can  help  with  coin and cash handling equipment, as well as other start up
supplies.  Thank  you  for the opportunity to allow us to work with you.  Let me
assure  you we will furnish expertise, service and equipment to the satisfaction
of  all  concerned.

Best  regards,

/s/  Jack  Hausmann

Jack  Hausmann
President

JKH:wsb

Accepted by:  Southern Bank Supplies      Accepted by:  First National Bank,
                                                        West Metro

/s/  Jack  Hausmann                       /s/  Kathy  Hulsey

Date:  08/21/2001                         Date:  08/21/2001

<PAGE>EXHIBIT 10.7

                          INCENTIVE STOCK OPTION AWARD
               PURSUANT TO THE WEST METRO FINANCIAL SERVICES, INC.
                            2001 STOCK INCENTIVE PLAN

     THIS  AWARD  is made as of the Grant Date by WEST METRO FINANCIAL SERVICES,
INC.  (the  "Company")  to  _________________  (the  "Optionee").

     Upon  and  subject  to  the  Terms  and  Conditions  attached  hereto  and
incorporated herein by reference, the Company hereby awards as of the Grant Date
to  Optionee  an  incentive  stock option (the "Option"), as described below, to
purchase  the  Option  Shares.

     A.   Grant  Date:  _________________________.

     B.   Type  of  Option:  Incentive  Stock  Option.

     C.   Plan  under  which  granted:  West Metro Financial Services, Inc. 2001
          Stock  Incentive  Plan.

     D.   Option  Shares:  All  or any part of shares of the Company's $1.00 par
          value  common  stock  (the  "Common  Stock"), subject to adjustment as
          provided  in  the  attached  Terms  and  Conditions.

     E.   Exercise Price: $_____ per share, subject to adjustment as provided in
          the  attached  Terms  and  Conditions.  The  Exercise Price is, in the
          judgment of the Committee, not less than 100% of the Fair Market Value
          of  a  share  of  Common Stock on the Grant Date or, in the case of an
          Over 10% Owner, not less than 110% of the Fair Market Value of a share
          of  Common  Stock  on  the  Grant  Date.

     F.   Option  Period:  The  Option  may  be exercised only during the Option
          Period  which  commences on the Grant Date and ends, generally, on the
          earliest of (a) the tenth (10th) anniversary of the Grant Date (unless
          the  Optionee  is  an  Over  10%  Owner, in which case the fifth (5th)
          anniversary  of  the  Grant  Date); (b) three (3) months following the
          date  the  Optionee ceases to be an employee of the Company (including
          any  Parent or Subsidiary) except as provided under clause (c); or (c)
          one  (1) year following the date the Optionee ceases to be an employee
          of  the  Company  (including any Parent or Subsidiary) due to death or
          Disability;  provided  that  the Option may be exercised as to no more
          than  the  vested  Option  Shares,  determined pursuant to the Vesting
          Schedule.  Note  that  other  limitations to exercising the Option, as
          described  in  the  attached  Terms  and  Conditions,  may  apply.

     G.   Vesting  Schedule: The Option Shares shall become vested in accordance
          with  Schedule  1  hereto.

     IN  WITNESS  WHEREOF,  the Company has executed and sealed this Award as of
the  Grant  Date  set  forth  above.

OPTIONEE:                              WEST  METRO  FINANCIAL  SERVICES,  INC.

______________________________         By: ___________________________________

                                       Title: ________________________________

<PAGE>
                              TERMS AND CONDITIONS
                                     TO THE
                          INCENTIVE STOCK OPTION AWARD
               PURSUANT TO THE WEST METRO FINANCIAL SERVICES, INC.
                            2001 STOCK INCENTIVE PLAN

     1.   Exercise of Option.  Subject  to  the provisions provided herein or in
          ------------------
          the  Award  made  pursuant  to the West Metro Financial Services, Inc.
          2001  Stock  Incentive  Plan:

          (a)     the Option may be exercised with respect to all or any portion
     of  the  vested  Option  Shares at any time during the Option Period by the
     delivery  to  the Company, at its principal place of business, of a written
     notice  of exercise in substantially the form attached hereto as Exhibit 1,
     which  shall  be  actually  delivered to the Company no earlier than thirty
     (30)  days  and  no  later  than ten (10) days prior to the date upon which
     Optionee  desires  to  exercise  all  or  any  portion  of  the Option; and

          (b)     payment to the Company of the Exercise Price multiplied by the
     number  of Option Shares being purchased (the "Purchase Price") as provided
     in  Section  2.

          (c)     Notwithstanding  any other provision of this Agreement, in the
     event  that  the  capital  of the Bank falls below the minimum requirements
     determined  by the primary federal regulator of the Bank (the "Regulator"),
     the  Regulator  may direct the Company to require the Optionee to exercise,
     or  otherwise  forfeit,  the  Option  in whole or in part. If the Regulator
     gives  such  direction,  the  Company  will  notify  the  Optionee  within
     forty-five  (45)  days  from the date the Regulator notifies the Company in
     writing  that  the Optionee must exercise, or otherwise forfeit, the Option
     in  whole  or  in  part.  If  the  Optionee does not exercise the Option in
     accordance  with the Company's direction within twenty-one (21) days of the
     Company's  notification  to the Optionee, the Committee may provide for the
     cancellation  of  the  Option.

          (d)     Notwithstanding  any  other provision hereof, at such times as
     an  election by the Company under Section 1362 of the Code to be taxed as a
     Subchapter  S  corporation  is  in  effect,  the  Company  may disallow the
     Optionee  from  exercising  the Option to the extent the Company determines
     that such exercise would jeopardize the Company's election to be taxed as a
     Subchapter  S  corporation.

Upon  acceptance  of  such notice and receipt of payment in full of the Purchase
Price,  the  Company  shall  cause  to  be issued a certificate representing the
Option  Shares  purchased.

     2.     Withholding.  To  the  extent  the  Option  is  deemed  to  be  a
            -----------
Non-Qualified  Stock  Option  in accordance with Section 18 hereof, the Optionee
must  satisfy his federal, state and local, if any, withholding taxes imposed by
reason  of  the  exercise of the Option either by paying to the Company the full
amount  of  the  withholding obligation (i) in cash; (ii) by tendering shares of
Common  Stock  which have been owned by the Optionee for at least six (6) months
prior  to  the  date  of  exercise having a Fair Market Value (as defined in the
Plan) equal to the withholding obligation; (iii) by electing, irrevocably and in
writing  (the  "Withholding  Election"),  to  have  the smallest number of whole
shares  of  Common  Stock  withheld by the Company which, when multiplied by the
Fair  Market  Value  (as defined in the Plan) of the Common Stock as of the date
the  Option  is

                                        2
<PAGE>
exercised,  is  sufficient  to  satisfy the amount of withholding obligation; or
(iv)  by  any combination of the above. Optionee may make a Withholding Election
only  if  the  following  conditions  are  met:

          (a)     the  Withholding  Election  is made on or prior to the date on
     which  the  amount  of  tax required to be withheld is determined (the "Tax
     Date")  by  executing  and  delivering  to the Company a properly completed
     Notice  of Withholding in substantially the form attached hereto as Exhibit
     2;  and

          (b)     any  Withholding  Election  will  be irrevocable; however, the
     Committee  (as defined in the Plan) may, in its sole discretion, disapprove
     and  give  no  effect  to  the  Withholding  Election.

     3.     Purchase Price.  Payment of the Purchase Price for all Option Shares
            --------------
purchased  pursuant  to  the  exercise  of  an  Option  shall be made in cash or
certified  check  or,  if  and  when the Common Stock becomes traded by brokers,
whether  on  a  national  securities  exchange  or  otherwise, by receipt of the
Purchase  Price  in cash from a broker, dealer or other "creditor" as defined by
Regulation  T  issued  by  the  Board of Governors of the Federal Reserve System
following  delivery  by  the Optionee to the Committee of instructions in a form
acceptable  to  the Committee regarding delivery to such broker, dealer or other
creditor  of  that  number  of Option Shares with respect to which the Option is
exercised.

     4.     Rights  as Shareholder.  Until the stock certificates reflecting the
            ----------------------
Option Shares accruing to the Optionee upon exercise of the Option are issued to
the Optionee, the Optionee shall have no rights as a shareholder with respect to
such  Option  Shares.  The Company shall make no adjustment for any dividends or
distribu-tions or other rights on or with respect to Option Shares for which the
record  date  is  prior to the issuance of that stock certificate, except as the
Plan  or  the  attached  Award  otherwise  provides.

     5.     Restriction  on Transfer of Option and of Option Shares.  The Option
            -------------------------------------------------------
evidenced  hereby  is  nontransferable other than by will or the laws of descent
and  distribution  and  shall be exercisable during the lifetime of the Optionee
only  by  the  Optionee  (or  in  the  event  of his Disability, by his personal
representative)  and after his death, only by his legatee or the executor of his
estate.

     6.     Changes  in  Capitalization.
            ---------------------------

          (a)     If  the number of shares of Common Stock shall be increased or
     decreased  by  reason  of  a subdivision or combination of shares of Common
     Stock,  the  payment  of  a stock dividend in shares of Common Stock or any
     other  increase  or  decrease  in  the  number  of  shares  of Common Stock
     outstanding  effected  without  receipt of consideration by the Company, an
     appropriate  adjustment  shall  be  made  by  the  Committee,  in  a manner
     determined  in its sole discretion, in the number and kind of Option Shares
     and  in  the  Exercise  Price.

          (b)     If  the  Company  shall  be  the  surviving corporation in any
     merger,  consolidation,  reorganization,  extraordinary dividend, spin-off,
     sale  of  substantially  all  of  the  Company's  assets or other change in
     capital structure of the Company or its Common Stock, the Optionee shall be
     entitled  to  purchase the number and class of securities to which a holder
     of  the  number of shares of Common Stock subject to the Option at the time
     of  the

                                        3
<PAGE>
     transaction  would  have  been  entitled  to  receive  as  a result of such
     transaction,  and  a  corresponding adjustment, where appropriate, shall be
     made  in  the  Exercise Price. In the event of a Change in Control or other
     corporate  transaction  pursuant  to which the Company is not the surviving
     entity,  the  Committee may provide for the assumption of the Option by the
     surviving  entity or the substitution of a new option, adjusted in a manner
     similar  to  that  contemplated  by  the  immediately  preceding  sentence;
     however,  if  the  surviving  entity  does  not  agree to the assumption or
     substitution of the Option, the Committee may elect to terminate the Option
     Period  as  of the effective date of the Change in Control in consideration
     of  the  payment  to  the Optionee of the sum of the difference between the
     then  aggregate  Fair  Market  Value  of the Common Stock and the aggregate
     Exercise Price for each vested Option Share which has not been exercised as
     of  the  effective  date  of  the  Change  in  Control.  A  dissolution  or
     liquidation  of  the  Company shall cause the Option to terminate as to any
     portion  thereof  not exercised as of the effective date of the dissolution
     or  liquidation.

          (c)     The  existence  of the Plan and the Option granted pursuant to
     this  Agreement  shall  not  affect  in  any  way the right or power of the
     Company  to  make  or  authorize  any  adjustment,  reclassification,
     reorganization  or  other  change in its capital or business structure, any
     merger  or  consolidation  of  the  Company,  any  issue  of debt or equity
     securities  having  preferences or priorities as to the Common Stock or the
     rights  thereof, the dissolution or liquidation of the Company, any sale or
     transfer  of  all  or  any  part  of  its  business or assets, or any other
     corporate  act  or  proceeding. Any adjustment pursuant to this Section may
     provide, in the Committee's discretion, for the elimination without payment
     therefor  of  any  fractional shares that might otherwise become subject to
     any  Option.

     7.     Special Limitation on Exercise.  No purported exercise of the Option
            ------------------------------
shall  be effective without the approval of the Committee, which may be withheld
to  the  extent  that  the  exercise,  either  individually  or in the aggregate
together  with  the  exercise of other previously exercised stock options and/or
offers  and  sales pursuant to any prior or contemplated offering of securities,
would, in the sole and absolute judgment of the Committee, require the filing of
a  registration  statement  with  the  United  States  Securities  and  Exchange
Commission  or  with  the securities commission of any state.  If a registration
statement  is  not  in effect under the Securities Act of 1933 or any applicable
state  securities  law  with  respect  to  shares of Common Stock purchasable or
otherwise  deliverable  under  the Option, the Optionee (a) shall deliver to the
Company,  prior  to the exercise of the Option or as a condition to the delivery
of  Common  Stock  pursuant  to  the  exercise  of  an  Option  exercise,  such
information,  representations  and  warranties  as  the  Company  may reasonably
request  in  order  for the Company to be able to satisfy itself that the Option
Shares  are  being  acquired  in  accordance  with  the  terms  of an applicable
exemption  from  the  securities registration requirements of applicable federal
and state securities laws and (b) shall agree that the shares of Common Stock so
acquired  will  not  be disposed of except pursuant to an effective registration
statement,  unless  the  Company  shall have received an opinion of counsel that
such  disposition  is  exempt  from such requirement under the Securities Act of
1933  and  any  applicable  state  securities  law.

     8.     Legend  on  Stock  Certificates.  Certificates evidencing the Option
            -------------------------------
Shares, to the extent appropriate at the time, shall have noted conspicuously on
the  certificates  a  legend  intended  to  give  all persons full notice of the
existence  of  the  conditions,  restrictions,  rights and obligations set forth
herein  and  in  the  Plan.

                                        4
<PAGE>
     9.     Governing  Laws.  This  Award  and the Terms and Conditions shall be
            ---------------
construed,  administered  and  enforced  according  to  the laws of the State of
Georgia.

     10.     Successors.  This  Award  and  the  Terms  and  Conditions shall be
             ----------
binding  upon  and  inure  to  the  benefit of the heirs, legal representatives,
successors  and  permitted  assigns  of  the  Optionee  and  the  Company.

     11.     Notice.  Except  as  otherwise  specified  herein,  all notices and
             ------
other communications under this Award shall be in writing and shall be deemed to
have  been  given  if personally delivered or if sent by registered or certified
United  States mail, return receipt requested, postage prepaid, addressed to the
proposed  recipient  at  the last known address of the recipient.  Any party may
designate  any  other address to which notices shall be sent by giving notice of
the  address  to  the  other  parties  in  the  same  manner as provided herein.

     12.     Severability.  In  the event that any one or more of the provisions
             ------------
or  portion  thereof contained in the Award and these Terms and Conditions shall
for  any  reason be held to be invalid, illegal or unenforceable in any respect,
the  same  shall  not invalidate or otherwise affect any other provisions of the
Award  and  these  Terms  and  Conditions,  and  the  Award  and these Terms and
Conditions  shall  be  construed  as  if  the  invalid, illegal or unenforceable
provision  or  portion  thereof  had  never  been  contained  herein.

     13.     Entire Agreement.  Subject to the terms and conditions of the Plan,
             ----------------
the  Award  and the Terms and Conditions express the entire understanding of the
parties  with  respect  to  the  Option.

     14.     Violation.  Any  transfer,  pledge,  sale,  assignment,  or
             ---------
hypothecation  of  the Option or any portion thereof shall be a violation of the
terms  of  the Award or these Terms and Conditions and shall be void and without
effect.

     15.     Headings  and  Capitalized Terms.  Section headings used herein are
             --------------------------------
for  convenience of reference only and shall not be considered in construing the
Award  or  these Terms and Conditions.  Capitalized terms used, but not defined,
in  either  the  Award  or  the  Terms and Conditions shall be given the meaning
ascribed  to  them  in  the  Plan.

     16.     Specific  Performance.  In  the  event  of any actual or threatened
             ---------------------
default  in,  or  breach  of, any of the terms, conditions and provisions of the
Award  and  these  Terms  and  Conditions,  the party or parties who are thereby
aggrieved  shall  have  the  right  to  specific  performance  and injunction in
addition  to  any and all other rights and remedies at law or in equity, and all
such  rights  and  remedies  shall  be  cumulative.

     17.     No  Right to Continued Retention.  Neither the establishment of the
             --------------------------------
Plan  nor  the award of Option Shares hereunder shall be construed as giving the
Optionee  the  right  to continued employment with the Company or any affiliate.

                                        5
<PAGE>
     18.     Qualified  Status of Option.  In accordance with Section 2.4 of the
             ---------------------------
Plan,  the  aggregate  Fair Market Value (determined as of the date an Incentive
Stock  Option  is granted) of the Option Shares which become exercisable for the
first  time by an individual during any calendar year shall not exceed $100,000.
If  the  foregoing  limitation  is  exceeded  with respect to any portion of the
Option  Shares,  that portion of the Option Shares which cause the limitation to
be  exceeded  shall  be  treated  as  a  Non-Qualified  Stock  Option.

                                        6
<PAGE>
                                    EXHIBIT 1
                                    ---------

                              NOTICE OF EXERCISE OF
                            STOCK OPTION TO PURCHASE
                                 COMMON STOCK OF
                       WEST METRO FINANCIAL SERVICES, INC.

                                      Name ________________________________
                                      Address _____________________________
                                      _____________________________________
                                      Date ________________________________

West Metro Financial Services, Inc.
_________________________________
_________________________________
Attn:  President

Re:     Exercise of Incentive Stock Option

Gentlemen:

     Subject  to  acceptance  hereof by West Metro Financial Services, Inc. (the
"Company")  and pursuant to the provisions of the West Metro Financial Services,
Inc. 2001 Stock Incentive Plan (the "Plan"), I hereby give notice of my election
to  exercise  options  granted to me to purchase ______________ shares of Common
Stock  of the Company under the Incentive Stock Option Award (the "Award") dated
as  of  ____________.  The purchase shall take place as of __________, 20__ (the
"Exercise  Date").

     On or before the Exercise Date, I will pay the applicable purchase price as
follows:

          [ ]  by  delivery  of  cash  or a certified check for $___________ for
               the  full  purchase  price  payable  to  the  order of West Metro
               Financial  Services,  Inc.

          [ ]  by delivery of the purchase price by _________________________, a
               broker,  dealer  or  other  "creditor" as defined by Regulation T
               issued by the Board of Governors of the Federal Reserve System. I
               hereby authorize the Company to issue a stock certificate for the
               number  of  shares  indicated  above  in the name of said broker,
               dealer  or other creditor or its nominee pursuant to instructions
               received  by  the  Company  and to deliver said stock certificate
               directly  to  that  broker,  dealer or other creditor (or to such
               other party specified in the instructions received by the Company
               from  the  broker,  dealer or other creditor) upon receipt of the
               purchase  price.

     The  required  federal, state, and local income tax obligations, if any, on
the  exercise  of the Award shall be paid on or before the Exercise Date in cash
or with previously owned shares of Common Stock, as provided in the Award, or in
the  manner  provided  in  the Withholding Election previously tendered or to be
tendered  to  the  Company  no  later  then  the  Exercise  Date.

                             Exhibit 1 - Page 1 of 3
<PAGE>
     As  soon  as the stock certificate is registered in my name, please deliver
it  to  me  at  the  above  address.

     If  the  Common  Stock being acquired is not registered for issuance to and
resale  by  the Optionee pursuant to an effective registration statement on Form
S-8  (or successor form) filed under the Securities Act of 1933, as amended (the
"1933  Act"),  I hereby represent, warrant, covenant, and agree with the Company
as  follows:

     The shares of the Common Stock being acquired by me will be acquired for my
     own  account without the participation of any other person, with the intent
     of  holding  the  Common  Stock  for  investment  and without the intent of
     participating,  directly  or  indirectly,  in  a distribution of the Common
     Stock  and  not  with  a  view  to,  or  for resale in connection with, any
     distribution  of  the  Common Stock, nor am I aware of the existence of any
     distribution  of  the  Common  Stock;

     I  am not acquiring the Common Stock based upon any representation, oral or
     written, by any person with respect to the future value of, or income from,
     the Common Stock but rather upon an independent examination and judgment as
     to  the  prospects  of  the  Company;

     The  Common  Stock  was not offered to me by means of publicly disseminated
     advertisements  or  sales  literature, nor am I aware of any offers made to
     other  persons  by  such  means;

     I am able to bear the economic risks of the investment in the Common Stock,
     including  the  risk  of  a  complete  loss  of  my  investment  therein;

     I  understand and agree that the Common Stock will be issued and sold to me
     without  registration  under  any state law relating to the registration of
     securities  for  sale,  and  will  be  issued  and  sold in reliance on the
     exemptions  from registration under the 1933 Act, provided by Sections 3(b)
     and/or  4(2)  thereof and the rules and regulations promulgated thereunder;

     The  Common  Stock  cannot  be  offered for sale, sold or transferred by me
     other than pursuant to: (A) an effective registration under the 1933 Act or
     in  a  transaction  otherwise  in  compliance  with  the  1933 Act; and (B)
     evidence  satisfactory  to  the  Company  of compliance with the applicable
     securities  laws  of  other jurisdictions. The Company shall be entitled to
     rely  upon  an  opinion  of  counsel  satisfactory  to  it  with respect to
     compliance  with  the  above  laws;

     The  Company will be under no obligation to register the Common Stock or to
     comply  with  any  exemption available for sale of the Common Stock without
     registration  or  filing,  and  the  information or conditions necessary to
     permit  routine sales of securities of the Company under Rule 144 under the
     1933  Act  are not now available and no assurance has been given that it or
     they  will  become  available. The Company is under no obligation to act in
     any  manner  so  as  to  make Rule 144 available with respect to the Common
     Stock;

     I  have  and  have had complete access to and the opportunity to review and
     make  copies  of  all  material  documents  related  to the business of the
     Company,  including,  but  not limited to, contracts, financial statements,
     tax  returns,  leases,  deeds  and other books and records. I have examined
     such  of  these documents as I wished and am familiar with the business and
     affairs  of the Company. I realize that the purchase of the Common Stock is
     a  speculative  investment  and  that  any  possible  profit  therefrom  is
     uncertain;

                             Exhibit 1 - Page 2 of 3
<PAGE>
     I have had the opportunity to ask questions of and receive answers from the
     Company  and  any  person  acting  on its behalf and to obtain all material
     information  reasonably  available  with  respect  to  the  Company and its
     affairs.  I  have  received  all  information  and data with respect to the
     Company  which  I  have  requested  and  which  I  have  deemed relevant in
     connection  with the evaluation of the merits and risks of my investment in
     the  Company;

     I have such knowledge and experience in financial and business matters that
     I  am  capable  of  evaluating  the merits and risks of the purchase of the
     Common  Stock  hereunder  and  I  am able to bear the economic risk of such
     purchase;  and

     The agreements, representations, warranties and covenants made by me herein
     extend  to and apply to all of the Common Stock of the Company issued to me
     pursuant  to  this  Award. Acceptance by me of the certificate representing
     such  Common  Stock  shall  constitute  a  confirmation by me that all such
     agreements,  representations, warranties and covenants made herein shall be
     true  and  correct  at  that  time.

     I  understand that the certificates representing the shares being purchased
     by  me  in accordance with this notice shall bear a legend referring to the
     foregoing  covenants,  representations  and  warranties and restrictions on
     transfer,  and  I  agree  that a legend to that effect may be placed on any
     certificate  which may be issued to me as a substitute for the certificates
     being  acquired  by me in accordance with this notice. I further understand
     that  capitalized  terms used in this Notice of Exercise without definition
     shall  have  the  meanings  given  to  them  in  the  Plan.

                                         Very  truly  yours,

                                         _________________________________

AGREED  TO  AND  ACCEPTED:

WEST  METRO  FINANCIAL  SERVICES,  INC.

By:____________________________

Title:_________________________

Number  of  Shares
Exercised:_____________________

Number  of  Shares
Remaining:_____________________     Date: ________________________________

                             Exhibit 1 - Page 3 of 3
<PAGE>
                                    EXHIBIT 2
                                    ---------

                         NOTICE OF WITHHOLDING ELECTION
                       WEST METRO FINANCIAL SERVICES, INC.
                            2001 STOCK INCENTIVE PLAN

TO:          West  Metro  Financial  Services,  Inc.

FROM:        ______________________________________________

RE:          Withholding  Election

This  election  relates  to the Option identified in Paragraph 3 below. I hereby
certify  that:

(1)  My  correct  name and social security number and my current address are set
     forth  at  the  end  of  this  document.

(2)  I  am  (check  one,  whichever  is  applicable).

     [ ]  the  original  recipient  of  the  Option.

     [ ]  the  legal  representative  of the estate of the original recipient of
          the  Option.

     [ ]  a  legatee  of  the  original  recipient  of  the  Option.

     [ ]  the  legal  guardian  of  the  original  recipient  of  the  Option.

(3)  The  Option  to which this election relates was issued under the West Metro
     Financial Services, Inc. 2001 Stock Incentive Plan (the "Plan") in the name
     of _________________________ for the purchase of a total of _______________
     shares  of  Common  Stock  of  the  Company.  This  election  relates  to
     _______________  shares  of  Common  Stock  issuable  upon  exercise of the
     Option,  provided  that the numbers set forth above shall be deemed changed
     as  appropriate  to  reflect  the  applicable  Plan  provisions.

(4)  In  connection  with  any exercise of the Option with respect to the Common
     Stock,  I  hereby  elect:

     [ ]  to  have  certain  of  the  shares  otherwise issuable pursuant to the
          exercise  withheld  by the Company for the purpose of having the value
          of  the shares applied to pay federal, state, and local, if any, taxes
          arising  from  the  exercise.

     [ ]  to  tender  shares  held by me for a period of at least six (6) months
          prior  to  the  exercise  of  the Option for the purpose of having the
          value  of  the  shares  applied  to  pay  such  taxes.

                             Exhibit 2 - Page 1 of 2
<PAGE>
The  shares to be withheld or tendered, as applicable, shall have, as of the Tax
Date  applicable  to  the  exercise,  a  Fair  Market Value equal to the minimum
statutory  tax  withholding  requirement  under federal, state, and local law in
connection  with  the  exercise.

(5)  This  Withholding  Election  is  made  no  later  than  the Tax Date and is
     otherwise  timely  made  pursuant  to  the  Plan.

(6)  I  understand that this Withholding Election may not be revised, amended or
     revoked  by  me.

(7)  The  Plan  has  been  made  available to me by the Company. I have read and
     understand  the  Plan  and  I  have  no  reason  to believe that any of the
     conditions  to  the  making of this Withholding Election have not been met.

(8)  Capitalized  terms  used  in  this  Notice  of Withholding Election without
     definition  shall  have  the  meanings  given  to  them  in  the  Plan.

Dated:___________________      _________________________________________________
                               Signature

_________________________      _________________________________________________
Social  Security  Number       Name  (Printed)

                               _________________________________________________
                               Street  Address

                               _________________________________________________
                               City,  State,  Zip  Code

                             Exhibit 2 - Page 2 of 2
<PAGE>
                                   SCHEDULE 1
                                VESTING SCHEDULE
                          INCENTIVE STOCK OPTION AWARD
                             ISSUED PURSUANT TO THE
                       WEST METRO FINANCIAL SERVICES, INC.
                            2001 STOCK INCENTIVE PLAN

A.   The Option Shares shall become vested Option Shares following completion of
     the  years  of  service  as  an  employee  of  the Company or any Parent or
     Subsidiary  as  indicated  in  the  schedule  below.

          Percentage  of  Option  Shares           Years  of  Service
          Which  are  Vested  Shares               after  the  Grant  Date
          ------------------------------           -----------------------

                      20%                                    1
                      40%                                    2
                      60%                                    3
                      80%                                    4
                      100%                                   5

B.   Notwithstanding  Part  A,  in the event of a Change in Control prior to the
     third anniversary of the date the Bank opens for business, the Option shall
     become  vested  as  indicated  in  the  following  Vesting  Schedule:

          Percentage  of  Option  Shares           Years  of  Service
          Which  are  Vested  Shares               after  the  Grant  Date
          ------------------------------           -----------------------

                  33  1/3%                                   1
                  66  2/3%                                   2
                  100%                                       3

C.   Notwithstanding  Part  A,  in  the  event  of  a  Change  in  Control on or
     subsequent  to  the  third  anniversary  of the date the Board of Directors
     approves  the Plan, the Option will be fully vested as of a date determined
     by the Committee which is no less than ten (10) days prior to the effective
     date  of  the  Change  in  Control.

D.   For  purposes  of the Vesting Schedule, Optionee shall be granted a year of
     service  for  each twelve-consecutive-month period following the Grant Date
     and  during  which  Optionee continues, at all times, as an employee of the
     Company  or  any  Parent  or  Subsidiary.

                             Schedule 1 - Page 1 of 1
<PAGE>
                        NON-QUALIFIED STOCK OPTION AWARD
               PURSUANT TO THE WEST METRO FINANCIAL SERVICES, INC.
                            2001 STOCK INCENTIVE PLAN

     THIS  AWARD  is made as of the Grant Date by WEST METRO FINANCIAL SERVICES,
INC.  (the  "Company")  to  _________________  (the  "Optionee").

     Upon  and  subject  to  the  Terms  and  Conditions  attached  hereto  and
incorporated herein by reference, the Company hereby awards as of the Grant Date
to  Optionee a non-qualified stock option (the "Option"), as described below, to
purchase  the  Option  Shares.

     A.   Grant  Date:  _________________________.

     B.   Type  of  Option:  Non-Qualified  Stock  Option.

     C.   Plan  under  which  granted:  West Metro Financial Services, Inc. 2001
          Stock  Incentive  Plan.

     D.   Option  Shares:  All  or any part of shares of the Company's $1.00 par
          value  common  stock  (the  "Common  Stock"), subject to adjustment as
          provided  in  the  attached  Terms  and  Conditions.

     E.   Exercise Price: $_____ per share, subject to adjustment as provided in
          the  attached  Terms  and  Conditions.

     F.   Option  Period:  The  Option  may  be exercised only during the Option
          Period  which  commences on the Grant Date and ends, generally, on the
          earliest  of  (a)  the tenth (10th) anniversary of the Grant Date; (b)
          three  (3)  months  following  the  date  the Optionee ceases to be an
          employee  of  the  Company  or  an  Affiliate except as provided under
          clause (c); or (c) one (1) year following the date the Optionee ceases
          to  be  an  employee  of  the  Company or an Affiliate due to death or
          Disability;  provided  that  the Option may be exercised as to no more
          than  the  vested  Option  Shares,  determined pursuant to the Vesting
          Schedule.  Note  that  other  limitations to exercising the Option, as
          described  in  the  attached  Terms  and  Conditions,  may  apply.

     G.   Vesting  Schedule: The Option Shares shall become vested in accordance
          with  Schedule  1  hereto.

     IN  WITNESS  WHEREOF,  the Company has executed and sealed this Award as of
the  Grant  Date  set  forth  above.

OPTIONEE:                              WEST  METRO  FINANCIAL  SERVICES,  INC.

______________________________         By:____________________________________

                                       Title:_________________________________

<PAGE>
                              TERMS AND CONDITIONS
                                     TO THE
                        NON-QUALIFIED STOCK OPTION AWARD
               PURSUANT TO THE WEST METRO FINANCIAL SERVICES, INC.
                            2001 STOCK INCENTIVE PLAN

     1.     Exercise of Option.  Subject to the provisions provided herein or in
            ------------------
the  Award  made  pursuant to the West Metro Financial Services, Inc. 2001 Stock
Incentive  Plan:

               (a)     the  Option  may  be exercised with respect to all or any
          portion  of  the  vested  Option  Shares at any time during the Option
          Period  by  the  delivery  to  the  Company, at its principal place of
          business,  of  a  written notice of exercise in substantially the form
          attached hereto as Exhibit 1, which shall be actually delivered to the
          Company  no  earlier  than thirty (30) days and no later than ten (10)
          days  prior to the date upon which Optionee desires to exercise all or
          any  portion  of  the  Option;  and

               (b)     payment  to  the Company of the Exercise Price multiplied
          by  the number of Option Shares being purchased (the "Purchase Price")
          as  provided  in  Section  2.

               (c)     Notwithstanding any other provision of this Agreement, in
          the  event

               (d)     Notwithstanding any other provision hereof, at such times
          as  an  election  by  the Company under Section 1362 of the Code to be
          taxed  as  a  Subchapter  S  corporation is in effect, the Company may
          disallow  the  Optionee  from  exercising the Option to the extent the
          Company  determines  that such exercise would jeopardize the Company's
          election  to  be  taxed  as  a  Subchapter  S  corporation.

Upon  acceptance  of  such notice and receipt of payment in full of the Purchase
Price,  and any tax withholding liability, to the extent applicable, the Company
shall cause to be issued a certificate representing the Option Shares purchased.

     2.     Withholding.  To the extent necessary, the Optionee must satisfy his
            -----------
federal,  state  and  local,  if any, withholding taxes imposed by reason of the
exercise  of  the  Option either by paying to the Company the full amount of the
withholding  obligation  (i)  in  cash; (ii) by tendering shares of Common Stock
which  have  been owned by the Optionee for at least six (6) months prior to the
date  of  exercise  having a Fair Market Value (as defined in the Plan) equal to
the  withholding  obligation; (iii) by electing, irrevocably and in writing (the
"Withholding  Election"),  to have the smallest number of whole shares of Common
Stock  withheld  by  the Company which, when multiplied by the Fair Market Value
(as  defined  in  the  Plan)  of  the  Common Stock as of the date the Option is
exercised,  is  sufficient  to  satisfy the amount of withholding obligation; or
(iv)  by any

                                        2
<PAGE>
combination  of  the above. Optionee may make a Withholding Election only if the
following  conditions  are  met:

               (a)  the  Withholding Election is made on or prior to the date on
          which  the  amount  of  tax required to be withheld is determined (the
          "Tax  Date")  by  executing  and  delivering to the Company a properly
          completed  Notice  of  Withholding  in substantially the form attached
          hereto  as  Exhibit  2;  and

               (b)  any  Withholding  Election will be irrevocable; however, the
          Committee  (as  defined  in  the  Plan)  may,  in its sole discretion,
          disapprove  and  give  no  effect  to  the  Withholding  Election.

     3.     Purchase Price.  Payment of the Purchase Price for all Option Shares
            --------------
purchased  pursuant  to  the  exercise  of  an  Option  shall be made in cash or
certified  check  or,  if  and  when the Common Stock becomes traded by brokers,
whether  on  a  national  securities  exchange  or  otherwise, by receipt of the
Purchase  Price  in cash from a broker, dealer or other "creditor" as defined by
Regulation  T  issued  by  the  Board of Governors of the Federal Reserve System
following  delivery  by  the Optionee to the Committee of instructions in a form
acceptable  to  the Committee regarding delivery to such broker, dealer or other
creditor  of  that  number  of Option Shares with respect to which the Option is
exercised.

     4.     Rights  as Shareholder.  Until the stock certificates reflecting the
            ----------------------
Option Shares accruing to the Optionee upon exercise of the Option are issued to
the Optionee, the Optionee shall have no rights as a shareholder with respect to
such  Option  Shares.  The Company shall make no adjustment for any dividends or
distribu-tions or other rights on or with respect to Option Shares for which the
record  date  is  prior to the issuance of that stock certificate, except as the
Plan  or  the  attached  Award  otherwise  provides.

     5.     Restriction  on Transfer of Option and of Option Shares.  The Option
            -------------------------------------------------------
evidenced  hereby  is  nontransferable other than by will or the laws of descent
and  distribution  and  shall be exercisable during the lifetime of the Optionee
only  by  the  Optionee  (or  in  the  event  of his Disability, by his personal
representative)  and after his death, only by his legatee or the executor of his
estate.

     6.     Changes  in  Capitalization.
            ---------------------------

          (a)  If  the  number  of  shares of Common Stock shall be increased or
     decreased  by  reason  of  a subdivision or combination of shares of Common
     Stock,  the  payment  of  a stock dividend in shares of Common Stock or any
     other  increase  or  decrease  in  the  number  of  shares  of Common Stock
     outstanding  effected  without  receipt of consideration by the Company, an
     appropriate  adjustment  shall  be  made  by  the  Committee,  in  a manner
     determined  in its sole discretion, in the number and kind of Option Shares
     and  in  the  Exercise  Price.

          (b)  If  the Company shall be the surviving corporation in any merger,
     consolidation,  reorganization,  extraordinary  dividend, spin-off, sale of
     substantially  all  of  the  Company's  assets  or  other change in capital
     structure  of  the  Company  or  its  Common  Stock,  the Optionee shall be
     entitled  to  purchase the number and class of securities to which a holder
     of  the  number of shares of Common Stock subject to the Option at the time
     of

                                        3
<PAGE>
     the  transaction  would  have  been entitled to receive as a result of such
     transaction,  and  a  corresponding adjustment, where appropriate, shall be
     made  in  the  Exercise Price. In the event of a Change in Control or other
     corporate  transaction  pursuant  to which the Company is not the surviving
     entity,  the  Committee may provide for the assumption of the Option by the
     surviving  entity or the substitution of a new option, adjusted in a manner
     similar  to  that  contemplated  by  the  immediately  preceding  sentence;
     however,  if  the  surviving  entity  does  not  agree to the assumption or
     substitution of the Option, the Committee may elect to terminate the Option
     Period  as  of the effective date of the Change in Control in consideration
     of  the  payment  to  the Optionee of the sum of the difference between the
     then  aggregate  Fair  Market  Value  of the Common Stock and the aggregate
     Exercise Price for each vested Option Share which has not been exercised as
     of  the  effective  date  of  the  Change  in  Control.  A  dissolution  or
     liquidation  of  the  Company shall cause the Option to terminate as to any
     portion  thereof  not exercised as of the effective date of the dissolution
     or  liquidation.

          (c)  The existence of the Plan and the Option granted pursuant to this
     Agreement  shall not affect in any way the right or power of the Company to
     make or authorize any adjustment, reclassification, reorganization or other
     change in its capital or business structure, any merger or consolidation of
     the  Company,  any issue of debt or equity securities having preferences or
     priorities as to the Common Stock or the rights thereof, the dissolution or
     liquidation  of the Company, any sale or transfer of all or any part of its
     business  or  assets,  or  any  other  corporate  act  or  proceeding.  Any
     adjustment  pursuant  to  this  Section  may  provide,  in  the Committee's
     discretion,  for the elimination without payment therefor of any fractional
     shares  that  might  otherwise  become  subject  to  any  Option.

     7.     Special Limitation on Exercise.  No purported exercise of the Option
            ------------------------------
shall  be effective without the approval of the Committee, which may be withheld
to  the  extent  that  the  exercise,  either  individually  or in the aggregate
together  with  the  exercise of other previously exercised stock options and/or
offers  and  sales pursuant to any prior or contemplated offering of securities,
would, in the sole and absolute judgment of the Committee, require the filing of
a  registration  statement  with  the  United  States  Securities  and  Exchange
Commission  or  with  the securities commission of any state.  If a registration
statement  is  not  in effect under the Securities Act of 1933 or any applicable
state  securities  law  with  respect  to  shares of Common Stock purchasable or
otherwise  deliverable  under  the Option, the Optionee (a) shall deliver to the
Company,  prior  to the exercise of the Option or as a condition to the delivery
of  Common  Stock  pursuant  to  the  exercise  of  an  Option  exercise,  such
information,  representations  and  warranties  as  the  Company  may reasonably
request  in  order  for the Company to be able to satisfy itself that the Option
Shares  are  being  acquired  in  accordance  with  the  terms  of an applicable
exemption  from  the  securities registration requirements of applicable federal
and state securities laws and (b) shall agree that the shares of Common Stock so
acquired  will  not  be disposed of except pursuant to an effective registration
statement,  unless  the  Company  shall have received an opinion of counsel that
such  disposition  is  exempt  from such requirement under the Securities Act of
1933  and  any  applicable  state  securities  law.

     8.     Legend  on  Stock  Certificates.  Certificates evidencing the Option
            -------------------------------
Shares, to the extent appropriate at the time, shall have noted conspicuously on
the  certificates  a  legend  intended  to  give  all persons full notice of the
existence  of  the  conditions,  restrictions,  rights and obligations set forth
herein  and  in  the  Plan.

                                        4
<PAGE>
     9.     Governing  Laws.  This  Award  and the Terms and Conditions shall be
            ---------------
construed,  administered  and  enforced  according  to  the laws of the State of
Georgia.

     10.     Successors.  This  Award  and  the  Terms  and  Conditions shall be
             ----------
binding  upon  and  inure  to  the  benefit of the heirs, legal representatives,
successors  and  permitted  assigns  of  the  Optionee  and  the  Company.

     11.     Notice.  Except  as  otherwise  specified  herein,  all notices and
             ------
other communications under this Award shall be in writing and shall be deemed to
have  been  given  if personally delivered or if sent by registered or certified
United  States mail, return receipt requested, postage prepaid, addressed to the
proposed  recipient  at  the last known address of the recipient.  Any party may
designate  any  other address to which notices shall be sent by giving notice of
the  address  to  the  other  parties  in  the  same  manner as provided herein.

     12.     Severability.  In  the event that any one or more of the provisions
             ------------
or  portion  thereof contained in the Award and these Terms and Conditions shall
for  any  reason be held to be invalid, illegal or unenforceable in any respect,
the  same  shall  not invalidate or otherwise affect any other provisions of the
Award  and  these  Terms  and  Conditions,  and  the  Award  and these Terms and
Conditions  shall  be  construed  as  if  the  invalid, illegal or unenforceable
provision  or  portion  thereof  had  never  been  contained  herein.

     13.     Entire Agreement.  Subject to the terms and conditions of the Plan,
             ----------------
the  Award  and the Terms and Conditions express the entire understanding of the
parties  with  respect  to  the  Option.

     14.     Violation.  Any  transfer,  pledge,  sale,  assignment,  or
             ---------
hypothecation  of  the Option or any portion thereof shall be a violation of the
terms  of  the Award or these Terms and Conditions and shall be void and without
effect.

     15.     Headings  and  Capitalized Terms.  Section headings used herein are
             --------------------------------
for  convenience of reference only and shall not be considered in construing the
Award  or  these Terms and Conditions.  Capitalized terms used, but not defined,
in  either  the  Award  or  the  Terms and Conditions shall be given the meaning
ascribed  to  them  in  the  Plan.

     16.     Specific  Performance.  In  the  event  of any actual or threatened
             ---------------------
default  in,  or  breach  of, any of the terms, conditions and provisions of the
Award  and  these  Terms  and  Conditions,  the party or parties who are thereby
aggrieved  shall  have  the  right  to  specific  performance  and injunction in
addition  to  any and all other rights and remedies at law or in equity, and all
such  rights  and  remedies  shall  be  cumulative.

     17.     No  Right to Continued Retention.  Neither the establishment of the
             --------------------------------
Plan  nor  the award of Option Shares hereunder shall be construed as giving the
Optionee  the  right  to continued employment with the Company or any affiliate.

                                        5
<PAGE>
                                    EXHIBIT 1
                                    ---------

                              NOTICE OF EXERCISE OF
                            STOCK OPTION TO PURCHASE
                                 COMMON STOCK OF
                       WEST METRO FINANCIAL SERVICES, INC.

                                      Name ________________________________
                                      Address _____________________________
                                      _____________________________________
                                      Date ________________________________

West  Metro  Financial  Services,  Inc.
361  Memorial  Drive  West
Dallas,  Georgia  30132
Attn:  President

Re:     Exercise  of  Non-Qualified  Stock  Option

Gentlemen:

     Subject  to  acceptance  hereof by West Metro Financial Services, Inc. (the
"Company")  and pursuant to the provisions of the West Metro Financial Services,
Inc. 2001 Stock Incentive Plan (the "Plan"), I hereby give notice of my election
to  exercise  options  granted to me to purchase ______________ shares of Common
Stock  of  the  Company under the Non-Qualified Stock Option Award (the "Award")
dated  as of ____________.  The purchase shall take place as of __________, 20__
(the  "Exercise  Date").

     On or before the Exercise Date, I will pay the applicable purchase price as
follows:

          [ ]  by delivery of cash or a certified check for $___________ for the
               full  purchase price payable to the order of West Metro Financial
               Services,  Inc.

          [ ]  by delivery of the purchase price by _________________________, a
               broker,  dealer  or  other  "creditor" as defined by Regulation T
               issued by the Board of Governors of the Federal Reserve System. I
               hereby authorize the Company to issue a stock certificate for the
               number  of  shares  indicated  above  in the name of said broker,
               dealer  or other creditor or its nominee pursuant to instructions
               received  by  the  Company  and to deliver said stock certificate
               directly  to  that  broker,  dealer or other creditor (or to such
               other party specified in the instructions received by the Company
               from  the  broker,  dealer or other creditor) upon receipt of the
               purchase  price.

     The  required  federal, state, and local income tax obligations, if any, on
the  exercise  of the Award shall be paid on or before the Exercise Date in cash
or with previously owned shares of Common Stock, as provided in the Award, or in
the  manner  provided  in  the Withholding Election previously tendered or to be
tendered  to  the  Company  no  later  then  the  Exercise  Date.

                             Exhibit 1 - Page 1 of 3
<PAGE>
     As  soon  as the stock certificate is registered in my name, please deliver
it  to  me  at  the  above  address.

     If  the  Common  Stock being acquired is not registered for issuance to and
resale  by  the Optionee pursuant to an effective registration statement on Form
S-8  (or successor form) filed under the Securities Act of 1933, as amended (the
"1933  Act"),  I hereby represent, warrant, covenant, and agree with the Company
as  follows:

     The shares of the Common Stock being acquired by me will be acquired for my
     own  account without the participation of any other person, with the intent
     of  holding  the  Common  Stock  for  investment  and without the intent of
     participating,  directly  or  indirectly,  in  a distribution of the Common
     Stock  and  not  with  a  view  to,  or  for resale in connection with, any
     distribution  of  the  Common Stock, nor am I aware of the existence of any
     distribution  of  the  Common  Stock;

     I  am not acquiring the Common Stock based upon any representation, oral or
     written, by any person with respect to the future value of, or income from,
     the Common Stock but rather upon an independent examination and judgment as
     to  the  prospects  of  the  Company;

     The  Common  Stock  was not offered to me by means of publicly disseminated
     advertisements  or  sales  literature, nor am I aware of any offers made to
     other  persons  by  such  means;

     I am able to bear the economic risks of the investment in the Common Stock,
     including  the  risk  of  a  complete  loss  of  my  investment  therein;

     I  understand and agree that the Common Stock will be issued and sold to me
     without  registration  under  any state law relating to the registration of
     securities  for  sale,  and  will  be  issued  and  sold in reliance on the
     exemptions  from registration under the 1933 Act, provided by Sections 3(b)
     and/or  4(2)  thereof and the rules and regulations promulgated thereunder;

     The  Common  Stock  cannot  be  offered for sale, sold or transferred by me
     other than pursuant to: (A) an effective registration under the 1933 Act or
     in  a  transaction  otherwise  in  compliance  with  the  1933 Act; and (B)
     evidence  satisfactory  to  the  Company  of compliance with the applicable
     securities  laws  of  other jurisdictions. The Company shall be entitled to
     rely  upon  an  opinion  of  counsel  satisfactory  to  it  with respect to
     compliance  with  the  above  laws;

     The  Company will be under no obligation to register the Common Stock or to
     comply  with  any  exemption available for sale of the Common Stock without
     registration  or  filing,  and  the  information or conditions necessary to
     permit  routine sales of securities of the Company under Rule 144 under the
     1933  Act  are not now available and no assurance has been given that it or
     they  will  become  available. The Company is under no obligation to act in
     any  manner  so  as  to  make Rule 144 available with respect to the Common
     Stock;

     I  have  and  have had complete access to and the opportunity to review and
     make  copies  of  all  material  documents  related  to the business of the
     Company,  including,  but  not limited to, contracts, financial statements,
     tax  returns,  leases,  deeds  and other books and records. I have examined
     such  of  these documents as I wished and am familiar with the business and
     affairs  of the Company. I realize that the purchase of the Common Stock is
     a  speculative  investment  and  that  any  possible  profit  therefrom  is
     uncertain;

                             Exhibit 1 - Page 2 of 3
<PAGE>
     I have had the opportunity to ask questions of and receive answers from the
     Company  and  any  person  acting  on its behalf and to obtain all material
     information  reasonably  available  with  respect  to  the  Company and its
     affairs.  I  have  received  all  information  and data with respect to the
     Company  which  I  have  requested  and  which  I  have  deemed relevant in
     connection  with the evaluation of the merits and risks of my investment in
     the  Company;

     I have such knowledge and experience in financial and business matters that
     I  am  capable  of  evaluating  the merits and risks of the purchase of the
     Common  Stock  hereunder  and  I  am able to bear the economic risk of such
     purchase;  and

     The agreements, representations, warranties and covenants made by me herein
     extend  to and apply to all of the Common Stock of the Company issued to me
     pursuant  to  this  Award. Acceptance by me of the certificate representing
     such  Common  Stock  shall  constitute  a  confirmation by me that all such
     agreements,  representations, warranties and covenants made herein shall be
     true  and  correct  at  that  time.

     I  understand that the certificates representing the shares being purchased
     by  me  in accordance with this notice shall bear a legend referring to the
     foregoing  covenants,  representations  and  warranties and restrictions on
     transfer,  and  I  agree  that a legend to that effect may be placed on any
     certificate  which may be issued to me as a substitute for the certificates
     being  acquired  by me in accordance with this notice. I further understand
     that  capitalized  terms used in this Notice of Exercise without definition
     shall  have  the  meanings  given  to  them  in  the  Plan.

                                   Very  truly  yours,

                                   _______________________________________

AGREED  TO  AND  ACCEPTED:

WEST  METRO  FINANCIAL  SERVICES,  INC.

By:____________________________

Title:_________________________

Number  of  Shares
Exercised:_____________________

Number  of  Shares
Remaining:_____________________     Date: ________________________________

                             Exhibit 1 - Page 3 of 3
<PAGE>
                                    EXHIBIT 2
                                    ---------

                         NOTICE OF WITHHOLDING ELECTION
                       WEST METRO FINANCIAL SERVICES, INC.
                            2001 STOCK INCENTIVE PLAN

TO:          West  Metro  Financial  Services,  Inc.

FROM:        ________________________________________________

RE:          Withholding  Election

This  election  relates  to the Option identified in Paragraph 3 below. I hereby
certify  that:

(1)  My  correct  name and social security number and my current address are set
     forth  at  the  end  of  this  document.

(2)  I  am  (check  one,  whichever  is  applicable).

     [ ]  the  original  recipient  of  the  Option.

     [ ]  the  legal  representative  of the estate of the original recipient of
          the  Option.

     [ ]  a  legatee  of  the  original  recipient  of  the  Option.

     [ ]  the  legal  guardian  of  the  original  recipient  of  the  Option.

(3)  The  Option  to which this election relates was issued under the West Metro
     Financial Services, Inc. 2001 Stock Incentive Plan (the "Plan") in the name
     of _________________________ for the purchase of a total of _______________
     shares  of  Common  Stock  of  the  Company.  This  election  relates  to
     _______________  shares  of  Common  Stock  issuable  upon  exercise of the
     Option,  provided  that the numbers set forth above shall be deemed changed
     as  appropriate  to  reflect  the  applicable  Plan  provisions.

(4)  In  connection  with  any exercise of the Option with respect to the Common
     Stock,  I  hereby  elect:

     [ ]  to  have  certain  of  the  shares  otherwise issuable pursuant to the
          exercise  withheld  by the Company for the purpose of having the value
          of  the shares applied to pay federal, state, and local, if any, taxes
          arising  from  the  exercise.

     [ ]  to  tender  shares  held by me for a period of at least six (6) months
          prior  to  the  exercise  of  the Option for the purpose of having the
          value  of  the  shares  applied  to  pay  such  taxes.

                             Exhibit 2 - Page 1 of 2
<PAGE>
     The shares to be withheld or tendered, as applicable, shall have, as of the
     Tax  Date  applicable  to  the  exercise,  a Fair Market Value equal to the
     minimum  statutory  tax  withholding  requirement under federal, state, and
     local  law  in  connection  with  the  exercise.

(5)  This  Withholding  Election  is  made  no  later  than  the Tax Date and is
     otherwise  timely  made  pursuant  to  the  Plan.

(6)  I  understand that this Withholding Election may not be revised, amended or
     revoked  by  me.

(7)  The  Plan  has  been  made  available to me by the Company. I have read and
     understand  the  Plan  and  I  have  no  reason  to believe that any of the
     conditions  to  the  making of this Withholding Election have not been met.

(8)  Capitalized  terms  used  in  this  Notice  of Withholding Election without
     definition  shall  have  the  meanings  given  to  them  in  the  Plan.

Dated:___________________      _________________________________________________
                               Signature

_________________________      _________________________________________________
Social  Security  Number       Name  (Printed)

                               _________________________________________________
                               Street  Address

                               _________________________________________________
                               City,  State,  Zip  Code

                             Exhibit 2 - Page 2 of 2
<PAGE>
                                   SCHEDULE 1
                                VESTING SCHEDULE
                        NON-QUALIFIED STOCK OPTION AWARD
                             ISSUED PURSUANT TO THE
                       WEST METRO FINANCIAL SERVICES, INC.
                            2001 STOCK INCENTIVE PLAN

A.   The Option Shares shall become vested Option Shares following completion of
     the  years  of  service  as  an  employee of the Company or an Affiliate as
     indicated  in  the  schedule  below.

          Percentage  of  Option  Shares           Years  of  Service
          Which  are  Vested  Shares               after  the  Grant  Date
          ------------------------------           -----------------------

                     20%                                    1
                     40%                                    2
                     60%                                    3
                     80%                                    4
                    100%                                    5

B.   Notwithstanding  Part  A,  in the event of a Change in Control prior to the
     third anniversary of the date the Board of Directors approves the Plan, the
     Option  shall become vested as indicated in the following Vesting Schedule:

          Percentage  of  Option  Shares           Years  of  Service
          Which  are  Vested  Shares               after  the  Grant  Date
          ------------------------------           -----------------------

                    33  1/3%                                 1
                    66  2/3%                                 2
                    100%                                     3

C.   Notwithstanding  Part  A,  in  the  event  of  a  Change  in  Control on or
     subsequent  to  the  third  anniversary  of the date the Board of Directors
     approves  the Plan, the Option will be fully vested as of a date determined
     by the Committee which is no less than ten (10) days prior to the effective
     date  of  the  Change  in  Control.

D.   For  purposes  of the Vesting Schedule, Optionee shall be granted a year of
     service  for  each twelve-consecutive-month period following the Grant Date
     and  during  which  Optionee continues, at all times, as an employee of the
     Company  or  any  Affiliate.

                            Schedule 1 - Page 1 of 1

<PAGE>

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00029-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00029-of-00352.parquet"}]]