Document:

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                                                                   EXHIBIT 10.30

                              EMPLOYMENT AGREEMENT

     THIS AGREEMENT ("Agreement") is made and entered into effective as of the
1st day of January, 2004 (the "Effective Date"), by and among GBC BANCORP, INC.,
a Georgia corporation (the "Holding Company"); GWINNETT BANKING COMPANY, a
wholly-owned Georgia banking subsidiary of the Holding Company (the "Bank")
(collectively, "Employers"); and MICHAEL A. ROY ("Executive").

                                   WITNESSETH:

     WHEREAS, as of October 31, 1997, the Bank commenced operations as a Georgia
chartered commercial bank chartered under the provisions of the Financial
Institutions Code of Georgia, with its deposits insured by the Federal Deposit
Insurance Corporation, pursuant to the provisions of the Federal Deposit
Insurance Act;

     WHEREAS, the Boards of Directors of Employers consider the establishment
and maintenance of highly competent and skilled management personnel for the
Bank and the Holding Company to be essential to protecting and enhancing their
best interests, and are desirous of inducing Executive to become and remain in
the employ of the Holding Company and the Bank, subject to the terms and
conditions hereof;

     WHEREAS, Executive is desirous of becoming employed by and remaining in the
employ of Employers, subject to the terms and conditions hereof; and

     WHEREAS, the parties agree that the provisions of this Agreement shall
control with respect to the rights and obligations of the parties resulting from
the employment of Executive by the Employers;

     NOW, THEREFORE, for and in consideration of the mutual covenants herein
contained, and other good and valuable consideration, the receipt and legal
sufficiency of which are hereby acknowledged, the parties hereto do hereby agree
as follows:

     1. Definitions. The following terms used in this Agreement shall have the
following meanings:

          (a) "Base Salary" shall mean the annual compensation (excluding
     Incentive Compensation as defined in (e) of this paragraph and other
     benefits) payable or paid to Executive pursuant to paragraph 4(a) of this
     Agreement.

          (b) "Change of Control" shall be deemed to have occurred if:

               (i) Upon the consummation of any transaction in which any person
          (or persons acting in concert), partnership, financial institution,
          corporation, or other organization shall own, control, or hold with
          the power to vote more than fifty percent (50%) of any class of voting
          securities of the Holding Company;

               (ii) Upon the consummation of any transaction in which the
          Holding Company, or substantially all of the assets of the Holding
          Company, shall be sold or transferred to, or consolidated or merged
          with, another financial institution, corporation or other
          organization; or

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               (iii) Upon the consummation of any transaction in which the Bank,
          or substantially all of the assets of the Bank, shall be sold or
          transferred to, or consolidated or merged with, another corporation
          which is not a majority owned subsidiary of the Holding Company;
          provided, however, if the Holding Company or the Bank shall become a
          subsidiary of another corporation or shall be merged or consolidated
          into another corporation and a majority of the outstanding voting
          shares of the parent or surviving corporation are owned immediately
          after such acquisition, merger, or consolidation by the owners of a
          majority of the voting shares of the Holding Company immediately
          before such acquisition, merger, or consolidation, then no Change of
          Control shall be deemed to have occurred.

          (c) "Disability" shall mean a condition for which benefits would be
     payable under any long-term disability insurance coverage (without regard
     to the application of any elimination period requirement) then provided to
     Executive by Employers; or, if no such coverage is then being provided, the
     inability of Executive to perform the material aspects of Executive's
     duties under this Agreement for a period of at least ninety (90)
     consecutive days, as determined by an independent physician selected with
     the approval of Employers and Executive.

          (d) "Event of Termination" shall mean the termination by Employers of
     Executive's employment under this Agreement by written notice delivered to
     Executive for any reason other than Termination for Cause as defined in (g)
     of this paragraph or termination following a continuous period of
     disability exceeding twelve (12) calendar months pursuant to paragraph 6(a)
     of this Agreement.

          (e) "Incentive Compensation" shall mean that compensation payable or
     paid to Executive pursuant to paragraph 4(b) of this Agreement.

          (f) "Severance Amount" shall have the same meaning as the term
     "parachute payment" defined in Section 280G(b)(2) of the Internal Revenue
     Code (as amended) and the regulations and rulings thereunder and, to the
     extent included in such definition, shall include all payments to Executive
     in the nature of compensation which are contingent on a change in ownership
     or effective control of Employers or in the ownership of a substantial
     portion of the assets of Employers, including the accelerated vesting of
     any stock options granted to Executive.

          (g) "Termination for Cause" shall have the meaning provided in
     paragraph 7(a) of this Agreement.

     2. Employment. Employers agree to employ Executive, and Executive agrees to
accept such employment, as Executive Vice President and Chief Credit Officer of
the Bank and the Holding Company, for the period stated in paragraph 3(a) hereof
(unless earlier terminated as set forth herein) and upon the other terms and
conditions herein provided. Executive agrees to perform faithfully such services
as are reasonably consistent with his position and shall from time to time be
assigned to him by the Boards of Directors of Employers in a trustworthy and
businesslike manner for the purpose of advancing the interests of Employers. The
Boards of Directors of Employers may also from time to time change Executive's
position or alter his duties and responsibilities and assign a new position or
new duties and responsibilities that are similar in scope and nature to
Executive's existing position, duties and responsibilities without invalidating
this Agreement or effecting the termination of Executive. At all times,
Executive shall manage and conduct the business of Employers in accordance with
the policies established by the Boards of Directors of Employers, and in
compliance with applicable regulations

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promulgated by governing regulatory agencies. Responsibility for the supervision
of Executive shall rest with the Boards of Directors of Employers, which shall
review Executive's performance at least annually. The Boards of Directors of
Employers shall also have the authority to terminate Executive, subject to the
provisions outlined in paragraphs 6 and 7 of this Agreement.

     3. Term and Duties.

          (a) Term of Employment. This Agreement and the period of Executive's
     employment under this Agreement shall be deemed to have commenced as of the
     Effective Date and shall continue for a period of thirty-six (36) full
     calendar months thereafter, unless earlier terminated pursuant to this
     Agreement or unless Executive dies before the end of such thirty-six (36)
     months, in which case the period of employment shall be deemed to continue
     until the end of the month of such death. The initial term of this
     Agreement shall automatically renew each day after the Effective Date so
     that the term remains a thirty-six (36) month term until either party
     provides written notice to the other of the intent the automatic renewals
     shall cease, in which case the term shall expire thirty-six (36) months
     after the date the written notice is so provided.

          (b) Performance of Duties. During the period of employment hereunder,
     except for periods of illness, disability, reasonable vacation periods, and
     reasonable leaves of absence, Executive shall devote substantially all of
     his business time, attention, skill, and efforts to the faithful
     performance of his duties hereunder. Executive shall be entitled to
     reasonable participation as a member in community, civic, or similar
     organizations and the pursuit of personal investments which do not present
     any material conflict of interest with Employers, or unfavorably affect the
     performance of Executive's duties pursuant to this Agreement.

          (c) Office of Executive. The office of Executive shall be located at
     the Bank's office in Atlanta, Georgia, or at such other location within the
     State of Georgia as Employers may from time to time designate; provided,
     however, that, in the event such relocation is to an office more than fifty
     (50) miles from Atlanta, Georgia, and Executive elects to move his
     principal residence, Employers shall reimburse Executive for all his
     reasonable moving expenses.

          (d) No Other Agreement. Executive shall have no employment contract or
     other written or oral agreement concerning employment with any entity or
     person other than Employers during the term of his employment under this
     Agreement.

          (e) Uniqueness of Executive's Services. Executive hereby represents
     that the services to be performed by him under the terms of this Agreement
     are of a special, unique, unusual, extraordinary, and intellectual
     character which gives them a peculiar value, the loss of which cannot be
     reasonably or adequately compensated in damages and in an action at law.
     Accordingly, Executive expressly agrees that Employers, in addition to any
     rights or remedies which Employers may possess, shall be entitled to
     injunctive and other equitable relief to prevent the breach of this
     Agreement by Executive.

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     4. Compensation.

          (a) Salary. Subject to the provisions of paragraphs 6 and 7 hereof,
     Employers shall pay Executive, as compensation for serving as Executive
     Vice President and Chief Credit Officer of Employers, an initial Base
     Salary of $115,467.00; such initial Base Salary, or any increased Base
     Salary, shall be payable in substantially equal installments in accordance
     with Employers' normal pay practices, but not less frequently than monthly.
     Executive's Base Salary and any Incentive Compensation (as defined in
     paragraph 4(b) hereof) shall be reviewed and approved at least annually by
     the Boards of Directors of Employers, or any committee designated thereby.
     Said Boards or committees, if warranted in their discretion, may increase
     Executive's Base Salary to reflect Executive's performance. In addition to
     the foregoing, to the extent that Executive serves as a member of the
     Boards of Directors of Employers, Executive shall be entitled to receive
     any Directors' fees customarily paid to members of the Board of Directors.

          (b) Incentive Compensation. During the term of this Agreement and in
     addition to the aforesaid Base Salary, Executive shall be entitled to such
     additional Incentive Compensation as may be awarded from time to time, in
     their discretion, by the Boards of Directors of Employers or any committee
     designated thereby. It is understood that any Incentive Compensation to be
     awarded to Executive shall be based on the attainment by Employers of
     certain performance goals established by the Boards of Directors relating
     to loan production, asset quality, deposit growth, and earnings and
     profits. Notwithstanding anything contained in this Agreement to the
     contrary, any increase to Executive's Base Salary and any Incentive
     Compensation paid to Executive shall be (i) in compliance with regulations,
     pronouncements, directives, or orders issued or promulgated by any
     governing regulatory agency and with any agreements by and between
     Employers and such regulatory agencies, (ii) consistent with the safe and
     sound operation of the Bank, (iii) closely monitored by the Boards of
     Directors of Employers, and (iv) comparable to such compensation paid to
     persons of similar responsibilities and duties in other insured
     institutions of similar size, in similar locations, and under similar
     circumstances including financial condition and profitability. For purposes
     of any payments to be made pursuant to Section 7 of this Agreement,
     Incentive Compensation shall include the automobile allowance pursuant to
     Section 4(d) and amounts paid on behalf of Executive in connection with
     group medical insurance coverage.

          (c) Reimbursement of Expenses; Provision of Business Development
     Expenses. Employers shall pay or reimburse Executive for all reasonable
     travel and other expenses incurred by Executive in the performance of his
     obligations and duties under this Agreement, as provided in the applicable
     policies of Employers, as currently adopted or as may be adopted in the
     future by the Boards of Directors of Employers.

          In addition to the foregoing, Employers believe that its best
     interests will be more fully served if Executive maintains active
     membership in or joins appropriate business or social clubs and other
     professional associations. Accordingly, upon prior approval of Employers,
     Employers shall also reimburse Executive for the dues and business-related
     expenditures associated with Executive's membership(s) in such appropriate
     business or social clubs and such other professional organizations which
     are commensurate with his position.

          (d) Provision of Automobile. Employers shall provide Executive with an
     automobile allowance of $650.00 per month and reimbursement of all
     reasonable fuel and carwash expenses.

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          (e) "Golden Parachute" Provision. Notwithstanding anything contained
     in this Agreement to the contrary, any payments made to Executive pursuant
     to this Agreement, or otherwise, are subject to and conditioned upon their
     compliance with 12 U.S.C. Section 1828(k) and any regulations promulgated
     thereunder.

     5. Participation in Benefit Plans.

          (a) Incentive, Savings, and Retirement Plans. During the term of this
     Agreement, Executive shall be entitled to participate in all incentive,
     stock option or warrant, savings, and retirement plans, practices,
     policies, and programs applicable generally to similarly situated employees
     of Employers, on the same basis as such other similarly situated employees,
     and, unless otherwise prohibited by the terms of such incentive, stock
     option or warrant, savings, and retirement plans.

          (b) Welfare Benefit Plans. During the term of this Agreement,
     Executive and/or Executive's family, as the case may be, shall be eligible
     for participation in and shall receive all benefits under welfare benefit
     plans, practices, policies and programs provided by Employers, to the
     extent applicable generally to similarly situated employees of Employers
     and subject to the terms, conditions, and eligibility requirements therefor
     as may be prescribed by Employers from time to time. In addition, following
     termination of this Agreement, Employers will continue to provide health
     insurance coverage to Executive for as long as Executive continues to
     receive benefits under the Bank's deferred compensation program in effect
     on the date of this Agreement.

          (c) Fringe Benefits. During the term of this Agreement, Executive
     shall be entitled to receive fringe benefits in accordance with the
     policies, practices and procedures of Employers, to the extent applicable
     generally to other similarly situated employees of Employers and subject to
     the terms, conditions, and eligibility requirements therefor as may be
     prescribed by Employers from time to time.

          (d) Vacation and Sick Leave. Executive shall be entitled, without loss
     of pay, to absent himself voluntarily from the performance of his duties
     under this Agreement in accordance with the terms set forth below, all such
     voluntary absences to count as vacation time, provided that:

               (i) Executive shall be entitled to an annual vacation in
          accordance with the policies that the Boards of Directors of Employers
          periodically establish(es) for senior management employees of
          Employers.

               (ii) Executive shall not receive any additional compensation from
          Employers on account of his failure to take a vacation, and Executive
          shall not accumulate unused vacation from one fiscal year to the next,
          except in either case to the extent authorized by the Boards of
          Directors of Employers.

               (iii) In addition to the aforesaid paid vacations, Executive
          shall be entitled, without loss of pay, to absent himself voluntarily
          from the performance of his employment obligations with Employers for
          such additional periods of time and for such valid and legitimate
          reasons as the Boards of Directors of Employers may in its discretion
          approve. It is also provided that the Boards of Directors of Employers
          may grant to Executive a leave or leaves of absence, with or without
          pay, at such time or

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          times and upon such terms and conditions as the Boards of Directors of
          Employers in their discretion determine.

               (iv) Executive shall be further entitled to an annual sick leave
          benefit as may be established by the Boards of Directors of Employers.

     6. Benefits Payable Upon Disability.

          (a) Disability Benefits. In the event of the Disability of Executive,
     Employers shall continue to pay Executive 100% of Executive's then current
     Base Salary pursuant to paragraph 4(a) during the first twelve (12) months
     of a continuous period of disability. It is provided, however, that in the
     event Executive is disabled for a continuous period exceeding twelve (12)
     months, Employers may, at their election, terminate this Agreement, in
     which event payment of Executive's Base Salary shall cease.

          (b) Disability Benefit Offset. Any amounts payable under paragraph
     6(a) hereof shall be reduced by any amounts paid to Executive under any
     other disability program or policy of insurance maintained by Employers.

     7. Payments to Executive Upon Termination of Employment. The Boards of
Directors of Employers may terminate Executive's employment under this Agreement
at any time; but any termination other than Termination for Cause shall not
prejudice Executive's right to compensation or other benefits under this
Agreement. Executive may voluntarily terminate his employment under this
Agreement. The rights and obligations of Employers and Executive in the event of
such termination are set forth in this paragraph 7 as follows:

          (a) Termination for Cause. Executive shall have no right to
     compensation or other benefits for any period after a Termination for
     Cause. Termination for Cause shall be determined by the Boards of Directors
     of Employers in the reasonable exercise of their discretion and acting in
     good faith, and shall include termination because of Executive's personal
     dishonesty, incompetence, willful misconduct, breach of fiduciary duties
     involving personal profit; intentional failure to perform stated duties;
     willful violation of any law, rule, or regulation (other than traffic
     violations or similar offenses), or a final cease-and-desist order; the
     regulatory suspension or removal of Executive as defined in paragraphs 8(a)
     and (b) hereof; the failure of Executive to follow reasonable written
     instructions of the Boards of Directors of Employers; or a material breach
     by Executive of any provision of this Agreement. The termination of
     employment of Executive shall not be deemed to be a Termination for Cause
     unless and until there shall have been delivered to Executive a copy of a
     resolution duly adopted by the affirmative vote of not less than two-thirds
     of the entire membership of the Boards of Directors of Employers at a
     meeting of the Boards called and held for such purpose (after at least
     thirty (30) days' prior notice of such meeting is provided to Executive and
     Executive is given an opportunity, together with counsel, to be heard
     before the Boards of Directors), finding that, in the good faith opinion of
     the Boards of Directors, Executive is guilty of the conduct described
     herein and specifying the particulars thereof in detail. Said Termination
     for Cause shall not be effective until thirty (30) days after such
     resolution is adopted, during which time Executive shall be afforded the
     opportunity to petition the Boards of Directors for reconsideration of such
     resolution. The Boards of Directors of Employers, in its discretion, may
     suspend Executive, with pay, for all or any portion of the period of time
     from the delivery of the notice described herein until the effective time
     of the Termination for Cause.

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          (b) Event of Termination Without Change of Control. Upon the
     occurrence of an Event of Termination, other than after a Change of Control
     as provided in paragraph 7(c) hereof, and if Executive faithfully abides by
     all of the covenants contained in Section 9 of this Agreement, Employers
     shall pay to Executive, or in the event of his subsequent death, to his
     designated beneficiary or beneficiaries, or to his estate, as the case may
     be, as liquidated damages, in lieu of all other claims, a severance payment
     equal to one (1) times Executive's Total Compensation (defined as the sum
     of the then current Base Salary plus any Incentive Compensation paid to
     Executive during the immediately preceding twelve (12) months), to be paid
     in equal installments and in accordance with Employers' regular payroll
     practices for the twelve (12) month period following the date of said Event
     of Termination.

          (c) Event of Termination in Connection With a Change of Control. If,
     during the term of this Agreement and within one (1) year immediately
     following a Change of Control or within six (6) months immediately prior to
     such Change of Control, Executive's employment with Employers under this
     Agreement is terminated by an Event of Termination and if Executive
     faithfully abides by all of the covenants contained in Section 9 of this
     Agreement, then Employers shall pay to Executive, or in the event of his
     subsequent death, to his designated beneficiary or beneficiaries, or to his
     estate, as the case may be, as liquidated damages, in lieu of all other
     claims, a severance payment equal to one (1) times Executive's Total
     Compensation paid to Executive during the immediately preceding twelve (12)
     months, to be paid in equal installments and in accordance with Employers'
     regular payroll practices for the twelve (12) month period following the
     date of said Event of Termination.

          (d) Termination of Employment for Good Reason. If (1) during the term
     of this Agreement and within one (1) year immediately following a Change of
     Control or within six (6) months immediately prior to such Change of
     Control, the status, character, capacity, location, or circumstances of
     Executive's employment as provided in paragraphs 2, 3, 4 and 6 of this
     Agreement have been materially and adversely altered by Employers, whether
     by

               (i) any material breach of this Agreement by Employers (including
          the failure of Bank to comply with paragraphs 2, 3, 4, 5 and 6 of this
          Agreement);

               (ii) any material and adverse change in the status,
          responsibilities or prerequisites of Executive;

               (iii) any assignment of duties materially and adversely
          inconsistent with Executive's position and duties described in this
          Agreement; or

               (iv) the failure of Employers to assign this Agreement to a
          successor in interest or the failure of the successor in interest to
          explicitly assume and agree to be bound by this Agreement,

     and (2) Executive terminates his employment under this Agreement for that
     reason and (3) Executive faithfully abides by all of the covenants
     contained in Section 9 of this Agreement, then Employers shall pay to
     Executive, or in the event of his subsequent death, his designated
     beneficiary or beneficiaries, or his estate, as the case may be, as
     liquidated damages, in lieu of all other claims, a severance payment equal
     to one (1) times Executive's Total Compensation paid to Executive during
     the immediately preceding twelve (12) months, to be paid in equal
     installments and in accordance with Employers' regular payroll practices
     for the twelve (12) month period following the date of said Event of
     Termination. Notwithstanding anything in this Section 7(d)

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     to the contrary, Executive and Employers agree that a mere change in
     Executive's title(s) with Employers shall not constitute a material and
     adverse alteration in Executive's status, character, capacity, location, or
     circumstances of employment with Employers for purposes of this section as
     long as Executive's underlying duties and responsibilities with Employers
     are not materially and adversely changed or altered as well.

          (e) Compliance with Protective Covenants. Notwithstanding anything to
     the contrary herein, in the event Executive fails or ceases to fully abide
     by all of the covenants contained in Section 9 of this Agreement, or in the
     event any court of competent jurisdiction deems any such covenant(s) to be
     invalid or unenforceable, then Executive acknowledges and agrees that such
     circumstances shall constitute a failure of consideration and Executive
     shall not be entitled to any compensation pursuant to Section 7(b), (c), or
     (d). If Executive has already received any such compensation at the time he
     violates any such covenant, Employers shall immediately be entitled to
     recover all such amounts in full from Executive.

          (f) Limits on Payments. In no event shall the payments described in
     paragraphs 7(c) and 7(d) exceed the amount permitted by Section 280G of the
     Internal Revenue Code (as amended). Therefore, with respect to the
     payment(s) described in paragraphs 7(c) and 7(d) only, if the aggregate
     present value (determined as of the date of the Change of Control in
     accordance with the provisions of Section 280G of the Internal Revenue Code
     [as amended] or any successor thereof and the regulations and rulings
     thereunder ["Section 280G"]) of the Severance Amount would result in a
     parachute payment (as determined under Section 280G), then the Severance
     Amount shall not be greater than an amount equal to 2.99 multiplied by
     Executive's base amount (as determined under Section 280G) for the base
     period (as determined under Section 280G). In the event the Severance
     Amount is required to be reduced pursuant to this paragraph 7(f), Executive
     shall be entitled to determine which portions of the Severance Amount are
     to be reduced so that the Severance Amount satisfies the limit set forth in
     the preceding sentence. Executive's average annual compensation shall be
     based on the most recent five taxable years ending before the Change of
     Control (or the period during which Executive was employed by Employers if
     Executive has been employed by Employers for less than five years). Should
     Executive be assessed any excise tax as a result of any payment of the
     Severance Amount that complies with Section 280G, Employers shall pay all
     such assessed excise taxes, but shall pay no other taxes assessed against
     Executive as a result of the payment of the Severance Amount.

          (g) Voluntary Termination of Employment. Executive shall have no right
     to compensation or other benefits under this Agreement for any period
     following the voluntary termination of Executive's employment by Executive,
     except as provided in paragraph 7(d) hereof.

          (h) Additional Payments After Termination. In the event that
     Executive's employment is terminated pursuant to paragraphs 7(b), (c) or
     (d) above, then Employers shall pay Executive an additional amount equal to
     Executive's cost of COBRA health continuation coverage for Executive and
     his eligible dependants for the period during which Executive and his
     eligible dependants are entitled to receive COBRA continuation coverage
     from Employers under the applicable laws, rules and regulations governing
     COBRA.

     8. Regulatory Suspension.

          (a) If Executive is suspended and/or temporarily prohibited from
     participating in the conduct of the affairs of the Bank by a notice served
     under Sections 8(e)(3) or (g)(1) of the

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     Federal Deposit Insurance Act, 12 U.S.C. Section 1818(e)(3) or (g)(1), the
     obligations of Employers under this Agreement shall be suspended as of the
     date of service of such notice, unless stayed by appropriate proceedings.
     If the charges in the notice are dismissed, Employers may in their
     discretion (i) pay Executive all or part of the compensation withheld while
     its contract obligations were suspended and (ii) reinstate in whole or in
     part any of its obligations which were suspended. Vested rights of
     Executive shall not otherwise be affected.

          (b) If Executive is removed and/or permanently prohibited from
     participating in the conduct of the affairs of the Bank by an order issued
     under Section 8(e)(4) or (g)(1) of the Federal Deposit Insurance Act, 12
     U.S.C. Section 1818(e)(4) or (g)(1), all obligations of Employers under
     this Agreement shall terminate as of the effective date of the order, but
     vested rights of the parties hereto shall not be affected.

     9. Protective Covenants. As long as Executive is receiving termination
payments from Employers pursuant to paragraph 7 hereof and for the periods
covered by such payments, Executive shall abide by and be bound by the following
Protective Covenants.

          (a) Confidential Information and Trade Secrets. During Executive's
     employment, the parties acknowledge that Employers shall disclose (and/or
     has already disclosed) to Executive for use in Executive's employment, and
     that Executive will be provided access to and otherwise make use of,
     acquire, create, or add to certain valuable, unique, proprietary, and
     secret information of Employers (whether tangible or intangible and whether
     or not electronically kept or stored), including financial statements,
     drawings, designs, manuals, business plans, processes, procedures,
     formulas, inventions, pricing policies, customer and prospect lists and
     contacts, contracts, sources and identity of vendors and contractors,
     financial information of customers of Employers, and other proprietary
     documents, materials, or information indigenous to Employers, relating to
     their businesses and activities, or the manner in which Employers do
     business, which is valuable to Employers in conducting their business
     because the information is kept confidential and is not generally known to
     Employers' competitors or to the general public ("Confidential
     Information"). Confidential Information does not include information
     generally known or easily obtained from public sources or public records
     (unless Executive causes said Confidential Information to become generally
     known or easily obtained therefrom).

     To the extent that the Confidential Information rises to the level of a
trade secret under applicable law, then Executive shall, during Executive's
employment and for so long as said Confidential Information remains a trade
secret under applicable law (or for the maximum period of time otherwise allowed
by applicable law) (i) protect and maintain the confidentiality of such trade
secrets and (ii) refrain from disclosing, copying, or using any such trade
secrets without Employers' prior written consent, except as necessary in
Executive's performance of Executive's duties while employed with Employers.

     To the extent that the Confidential Information defined above does not rise
to the level of a trade secret under applicable law, Executive shall, during
Executive's employment and for a period of one (1) year following any voluntary
or involuntary termination of employment (whether by Employers or Executive),
(i) protect and maintain the confidentiality of the Confidential Information and
(ii) refrain from disclosing, copying, or using any Confidential Information
without Employers' prior written consent, except as necessary in Executive's
performance of Executive's duties while employed with Employers.

          (b) Return of Property of Employers. Upon any voluntary or involuntary
     termination of Executive's employment (or at any time upon request of
     Employers), Executive agrees to immediately

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     return to Employers all property of Employers (including but not limited to
     all documents, electronic files, records, computer disks or other tangible
     or intangible things that may or may not relate to or otherwise comprise
     Confidential Information or trade secrets (as defined by applicable law))
     that Executive created, used, possessed or maintained while working for
     Employers from whatever source and whenever created, including all
     reproductions or excerpts thereof. This provision does not apply to purely
     personal documents of Executive, but it does apply to business calendars,
     Rolodexes, customer lists, contact sheets, computer programs, disks and
     their contents and like information that may contain some personal matters
     of Executive. Executive acknowledges that title to all such property is
     vested in Employers.

          (c) Non-Diversion of Business Opportunity. During Executive's
     employment with Employers and consistent with Executive's duties and
     fiduciary obligations to Employers, Executive shall (i) disclose to
     Employers any business opportunity that comes to Executive's attention
     during Executive's employment with Employers and that relates to the
     business of the Bank or otherwise arises as a result of Executive's
     employment with Employers and (ii) not take advantage of or otherwise
     divert any such opportunity for Executive's own benefit or that of any
     other person or entity without prior written consent of Employers.

          (d) Non-Solicitation of Customers. During Executive's employment and
     for a period of one (1) year following any voluntary or involuntary
     termination of employment (whether by Employers or Executive), Executive
     agrees not to, directly or indirectly, contact, solicit, divert,
     appropriate, or call upon with the intent of doing business with the
     customers or clients of Employers with whom Executive has had material
     contact during the last year of Executive's employment with Employers,
     including prospects of Employers with whom Executive had such contact
     during said period, if the purpose of such activity is either (1) to
     solicit such customers or clients or prospective customers or clients for a
     Competitive Business as herein defined (including but not limited to any
     Competitive Business started by Executive) or (2) to otherwise encourage
     any such customer or client to discontinue, reduce, or adversely alter the
     amount of its business with Employers. Executive acknowledges that, due to
     Executive's relationship with Employers, Executive will develop (and/or has
     developed) special contacts and relationships with Employers' clients and
     prospects, and that it would be unfair and harmful to Employers if
     Executive took advantage of these relationships in a Competitive Business.

     A "Competitive Business" as used herein is an enterprise that is in the
business of offering banking products and/or services, which services and/or
products are similar or substantially identical to those offered by Employers
during Executive's employment with Employers.

          (e) Non-Piracy of Employees. During Executive's employment and for a
     period of one (1) year following any voluntary or involuntary termination
     of employment (whether by Employers or Executive), Executive covenants and
     agrees that Executive shall not, directly or indirectly: (a) solicit,
     recruit, or hire (or attempt to solicit, recruit, or hire) or otherwise
     assist anyone in soliciting, recruiting, or hiring, any employee or
     independent contractor of Employers who performed work for Employers within
     the last three months of Executive's employment with Employers or who was
     otherwise engaged or employed with Employers at the time of said
     termination of employment of Executive or (b) otherwise encourage, solicit,
     or support any such employees or independent contractors to leave their
     employment or engagement with Employers, in either case until such employee
     or contractor has been terminated or separated from Employers for at least
     six (6) months.

          (f) Non-Compete. During Executive's employment and for a period of one
     (1) year following any voluntary or involuntary termination of employment
     (whether by Employers or Executive), Executive agrees not to, directly or
     indirectly, compete with Employers, as an officer, director, member,

                                      -10-

<PAGE>

     principal, partner, shareholder (other than a shareholder in a company that
     is publicly traded and so long as such ownership is less than 5 percent
     (5%)), owner, manager, supervisor, administrator, employee, consultant, or
     independent contractor, by working in the Territory (as defined herein) for
     or as a "Competitive Business" (as defined above) in the Territory (as
     defined herein), in a capacity identical or substantially similar to the
     capacity in which Executive served at Employers. The "Territory" shall be
     defined to be the following county(ies) in the State of Georgia: Gwinnett
     County. Executive acknowledges that Employers conducts its business within
     the Territory, that Executive will perform services for and on behalf of
     Employers within the Territory, and that this Section 9(f) (and the
     Territory) is a reasonable limitation on Executive's ability to compete
     with Employers.

          (g) Acknowledgement. It is understood and agreed by Executive that the
     Parties have attempted to limit his right to compete only to the extent
     necessary to protect Employers from unfair competition and that the terms
     and provisions of this Section 9 are not intended to restrict Executive in
     the exercise of his skills or the use of knowledge or information that does
     not rise to the level of a trade secret under applicable law or
     Confidential Information of Employers (to which trade secrets and
     Confidential Information Executive has had and/or will have access and has
     made and/or will make use of during employment with Employers).

     It is acknowledged that the purpose of these covenants and promises is (and
that they are necessary) to protect Employers' legitimate business interests, to
protect Employers' investment in the overall development of its business and the
good will of its customers, and to protect and retain (and to prevent Executive
from unfairly and to the detriment of Employers utilizing or taking advantage
of) such business trade secrets and Confidential Information of Employers and
those substantial contacts and relationships (including those with customers and
employees of Employers) which Executive established due to his employment with
Employers.

     This Agreement is not intended to preclude Executive's opportunity to
engage in or otherwise pursue occupations in any unrelated or non-competitive
field of endeavor, or to engage in or otherwise pursue directly competitive
endeavors so long as they meet the requirements of this Agreement. Executive
represents that his experience and abilities are such that existence or
enforcement of these covenants and promises will not prevent Executive from
earning or pursuing an adequate livelihood and will not cause an undue burden to
Executive or his family.

     Executive acknowledges that these covenants and promises (and their
respective time, geographic, and/or activity limitations) are reasonable and
that said limitations are no greater than necessary to protect said legitimate
business interests in light of Executive's position with Employers and
Employers' business, and Executive agrees to strictly abide by the terms hereof.

     10. Source of Payments. All payments provided in paragraphs 4 , 6, and 7
hereof shall be paid in cash from the general funds of Employers as provided
herein, and no special or separate fund shall be established by Employers, and
no other segregation of assets shall be made to assure payment. Executive shall
have no right, title, or interest in or to any investments which Employers may
make to meet the obligations hereunder.

     11. Injunctive Relief. In view of the irreparable harm and damage which
Employers would sustain as a result of a breach by Executive of the covenants or
agreements under Section 9 hereof, and in view of the lack of an adequate remedy
at law to protect Employers' interests, Employers shall have the right to
receive, and Executive hereby consents to the issuance of, temporary,
preliminary, and/or permanent injunctive relief enjoining Executive from any
violation of the covenants and agreements set forth in Section 9 hereof. The
foregoing remedy shall be in addition to, and not in limitation of, any

                                      -11-

<PAGE>

other rights or remedies to which Employers are or may be entitled at law or in
equity respecting this Agreement.

     12. Attorneys' Fees. In the event any party hereto is required to engage in
legal action against any other party hereto, either as plaintiff or defendant,
in order to enforce or defend any of its or his rights under this Agreement, and
such action results in a final judgment in favor of one or more parties, then
the party or parties against whom said final judgment is obtained shall
reimburse the prevailing party or parties for all legal fees and expenses
incurred by the prevailing party or parties in asserting or defending its or his
rights hereunder.

     13. Federal Income Tax Withholding. Employers may withhold from any
benefits payable under this Agreement all federal, state, city, or other taxes
as shall be required pursuant to any law or governmental regulation or ruling.

     14. Effect of Prior Agreements. This Agreement contains the entire
understanding between the parties hereto and supersedes any prior employment
agreement and any contemporaneous oral agreement or understanding by, between,
or among Employers and Executive.

     15. General Provisions.

          (a) Nonassignability. Neither this Agreement nor any right or interest
     hereunder shall be assignable by Executive, his beneficiaries or legal
     representatives, without the prior written consent of Employers; provided,
     however, that nothing in this paragraph 15(a) shall preclude (i) Executive
     from designating a beneficiary to receive any benefits payable hereunder
     upon his death, or (ii) the executors, administrators, or other legal
     representatives of Executive or his estate from assigning any rights
     hereunder to the person or persons entitled thereto. Employers may assign
     this Agreement without the consent of Executive.

          (b) No Attachment. Except as required by law, no right to receive
     payments under this Agreement shall be subject to anticipation,
     commutation, alienation, sale, assignment, encumbrance, charge, pledge, or
     hypothecation, or to execution, attachment, levy, and any attempt,
     voluntary or involuntary, to effect any such action shall be null, void,
     and of no effect.

          (c) Binding Agreement. This Agreement shall be binding upon, and inure
     to the benefit of, Employers and Executive and their respective heirs,
     successors, assigns, and legal representatives.

          (d) No Bar. Executive acknowledges and agrees that the existence of
     any claim or cause of action against Employers shall not constitute a
     defense to the enforcement by Employers of Executive's covenants,
     obligations, or undertakings in this Agreement.

          (e) No Conflicting Obligations. Executive hereby acknowledges and
     represents that his execution of this Agreement and performance of
     employment-related obligations and duties for Employers will not cause any
     breach, default, or violation of any other employment, non-disclosure,
     confidentiality, non-competition, or other agreement to which Executive may
     be a party or otherwise bound.

          Moreover, Executive hereby agrees that he will not use in the
     performance of such employment-related obligations and duties for Employers
     or otherwise disclose to Employers any trade secrets or confidential
     information of any person or entity (including any former employer)

                                      -12-

<PAGE>

     if and to the extent that such use or disclosure may cause a breach or
     violation of any obligation or duty owed to such employer, person, or
     entity under any agreement or applicable law.

     16. Modification and Waiver.

          (a) Amendment of Agreement. This Agreement may not be modified or
     amended except by an instrument in writing, signed by the parties hereto,
     and which specifically refers to this Agreement.

          (b) Waiver. No term or condition of this Agreement shall be deemed to
     have been waived, nor shall there be any estoppel against the enforcement
     of any provision of this Agreement, except by written instrument of the
     party charged with such waiver or estoppel. No such written waiver shall be
     deemed a continuing waiver unless specifically stated therein, and each
     waiver shall operate only as to the specific term or condition waived and
     shall not constitute a waiver of such term or condition for the future or
     as to any act other than that specifically waived.

     17. Severability. If for any reason any provision of this Agreement is held
invalid, the Parties agree that the court shall modify said provision(s) (or
subpart(s) thereof) to make said provision(s) (or subpart(s) thereof) and this
Agreement valid and enforceable. Any invalid provision shall not affect any
other provision of this Agreement not held invalid, and each such other
provision shall to the full extent consistent with law continue in full force
and effect. If any provision of this Agreement shall be held invalid in part,
such invalidity shall in no way affect the rest of such provision not held so
invalid, and the rest of such provision, together with all other provisions of
this Agreement, shall to the full extent consistent with law continue in full
force and effect.

     18. Headings. The headings of paragraphs herein are included solely for
convenience of reference and shall not control the meaning or interpretation of
any of the provisions of this Agreement.

     19. Governing Law. This Agreement has been executed and delivered in the
State of Georgia, and its validity, interpretation, performance, and enforcement
shall be governed by the laws of said State.

     20. Rights of Third Parties. Nothing herein expressed or implied is
intended to or shall be construed to confer upon or give to any person, firm, or
other entity, other than the parties hereto and their permitted assigns, any
rights or remedies under or by reason of this Agreement.

     21. Notices. All notices, requests, demands, and other communications
provided for by this Agreement shall be in writing and shall be sufficiently
given if and when mailed in the United States by registered or certified mail,
or personally delivered, to the party entitled thereto at the address stated
below or to such changed address as the addressee may have given by a similar
notice:

          To Employers:       Board of Directors
                              Gwinnett Banking Company
                              165 Nash Street
                              Lawrenceville, Georgia 30246

          Copied to
          Employers' counsel: Steven S. Dunlevie, Esq.
                              Womble Carlyle Sandridge & Rice, PLLC

                                      -13-

<PAGE>

                              1201 West Peachtree Street, Suite 3500
                              Atlanta, Georgia 30309

          To Executive:       Mr. Michael A. Roy
                              1995 Glenhurst Drive
                              Snellville, GA 30078

Any notice to the Bank is ineffective if not also served on its counsel.

     IN WITNESS WHEREOF, the Holding Company and the Bank have caused this
Agreement to be executed and their seals to be affixed hereunto by their duly
authorized officers, and Executive has signed this Agreement, as of the
Effective Date set forth above.

ATTEST:                                 GBC BANCORP, INC.

/s/ John T. Holmes III                  By: /s/ Larry D. Key
-------------------------------------       ------------------------------------
Secretary                               Name: Larry D. Key
                                        Title: President

(CORPORATE SEAL)

ATTEST:                                 GWINNETT BANKING COMPANY

/s/ John T. Holmes III                  By: /s/ Larry D. Key
-------------------------------------       ------------------------------------
Secretary                               Name: Larry D. Key
                                        Title: President

(BANK SEAL)

/s/ Beth R. Tynan                       /s/ Michael A. Roy                (SEAL)
-------------------------------------   ----------------------------------
Witness                                 MICHAEL A. ROY

                                      -14-<PAGE>

                                                                   EXHIBIT 10.31

                                    AMENDMENT
                    TO THE EXECUTIVE SUPPLEMENTAL RETIREMENT
                        AGREEMENT DATED OCTOBER 20, 1999

     This Amendment, made and entered into this 23 day of March, 2004, by and
between Gwinnett Banking Company, a bank organized and existing under the laws
of the State of Georgia, hereinafter referred to as the "Bank," and Michael A.
Roy, an Executive of the Bank, hereinafter referred to as the "Executive," shall
effectively amend the Executive Supplemental Retirement Agreement dated October
20, 1999, as specifically set forth herein. Said agreement shall be amended as
follows:

     1.) Subparagraph II (C), Termination of Service, shall be deleted in its
entirety and replaced with the following:

     C.   Termination of Service:

          Subject to Subparagraph II (E), upon a Termination of Service, the
          Executive shall be entitled to receive one hundred percent (100%) of
          the Bank's accrued liability balance.

     This Amendment shall be effective the 1st day of January, 2004. To the
extent that any term, provision, or paragraph of said agreement is not
specifically amended herein, or in any other amendment thereto, said term,
provision, or paragraph shall remain in full force and effect as set forth in
said October 20, 1999 Agreement.

     IN WITNESS WHEREOF, the parties hereto acknowledge that each has carefully
read this Amendment and executed the original thereof on the first day as set
forth hereinabove, and that, upon execution, each has received a conforming
copy.

                         GWINNETT BANKING COMPANY
                         Lawrenceville, GA
<TABLE>
<S>                      <C>                           <C>

/s/ Gail L. Dale         By: /s/ John T. Hopkins III   EVP
----------------------       -----------------------   Title
Witness

/s/ Beth R. Tynan        /s/ Michael A. Roy
----------------------   ---------------------------
Witness                  Michael A. Roy
</TABLE>

                                        1

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