Document:

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                                  EXHIBIT 10.1

                          CONTRACT FOR THE PURCHASE AND
                              SALE OF REAL PROPERTY

         THIS AGREEMENT made and entered into this 8 day of October, 1999, by
and between JAMES E. BRIDGES D/B/A GRAND PAVILLION ("Seller"), and INTEGRITY
BANK ORGANIZING GROUP, L.L.P. ("Purchaser"),

                            W I T N E S S E T H: THAT

         FOR AND IN CONSIDERATION of the sum of Ten ($10.00) Dollars and other
good and valuable considerations, paid by each party to the other, the receipt
and sufficiency of which are herewith acknowledged, and in consideration of the
mutual covenants contained herein, the parties hereto do hereby agree as
follows:

         1.       PURCHASE AND SALE. Subject to and in accordance with the terms
and provisions hereof, Seller agrees to sell and Purchaser agrees to purchase
the real estate described as Exhibit "A" and made a part hereof (the
"Premises"); all buildings, structures, improvements, and fixtures, if any, now
situated on the Premises; all right, title and interest of the Seller, including
any after-acquired title or reversion, in and to the beds of the ways, roads,
streets, avenues and alleys adjoining the Premises; all and singular the
tenements, hereditaments, easements, appurtenances, licenses, passages, waters,
water rights, water courses, riparian rights, other rights, liberties and
privileges thereof or in any way now or hereafter appertaining, including
homestead or any other claim at law or in equity as well as any after-acquired
title, franchise or license and the reversion and reversions, remainder and
remainders thereof; and all alley rights, drainage rights and all other rights
appertaining to the use or enjoyment of the Premises and improvements located in
or upon the Premises; (all of the foregoing property being hereinafter referred
to collectively as the "Property").

         2.       EARNEST MONEY. On the date of the full execution and delivery
of this Contract by Seller and Purchaser (which date is set forth on the
signature page hereof and is referred to herein as the "Contract Date"),
Purchaser will deliver to Perimeter Title Services, Inc., as Escrow Agent, the
amount of Ten Thousand Dollars ($10,000.00), said sum to be held by said Escrow
Agent as earnest money (the "Earnest Money"), pursuant to the terms and
provisions of this Contract.

         3.       PURCHASE PRICE. The purchase price (the "Purchase Price") for
the Property, subject to all adjustment and credits hereinafter provided, shall
be Eight Hundred Fifty Thousand Dollars ($850,000.00), to be paid in readily
available or in certified funds or by title company or attorney trust or escrow
account check at Closing inclusive of all Earnest Money paid.

         4.       ACCESS AND UTILITY EASEMENTS. At Closing, Seller shall grant
and convey to Purchaser, its successors and assigns, the following perpetual,
non-exclusive easements, for the benefit of the Premises, which easements shall
be in a form reasonably acceptable to Purchaser, to-wit:

         (a)      An easement for vehicular and pedestrian ingress and egress,
between the Premises and Grand Pavillion Shopping Center; and

<PAGE>   2

         (b)      An easement for electric, gas, telephone, water, sanitary
sewer, and storm water utility service to serve the Premises (the "Utility
Easement"), which Utility Easement shall run on, above, or under such portion of
Grand Pavillion Shopping Center that is adjacent to the Premises as is necessary
to cause such utility services to be delivered to the Premises.

         5.       REPRESENTATIONS AND WARRANTIES. Seller hereby warrants and
represents to Purchaser, and agrees that the following matters are now true and
shall be true as of the Closing Date:

         (a)      That Seller has no actual knowledge, nor has Seller received
any notice of, any actual or threatened action, litigation or proceeding
(including any condemnation or eminent domain proceedings) by any organization,
person, individual, or governmental agency against either Seller or the
Property, or with respect thereto, nor does Seller know of any basis for any
such action;

         (b)      That Seller will convey to Purchaser at Closing unencumbered
fee simple title to the Property, with title to the Property and to the Access
Easement and to the Utility Easement] insurable by a title insurance company
designated by Purchaser (the "Title Insurer") in the full amount of the Purchase
Price, in ALTA Form B-1992, at standard published rates, free and clear of all
restrictions, liens, encumbrances, assessments, leases, options, and other
exceptions of every kind and character except for real estate taxes relating to
the Property which are liens but not yet due and payable; Purchaser shall, at
Purchaser's expense, cause an accurate survey (the "Survey") to be made of the
Property by a registered Georgia land surveyor of Purchaser's choice, and the
legal description of the Property contained in the deed from Seller and insured
by Title Insurer and the legal description of the areas encumbered by the Access
Easement and by the Utility Easement insured by Title Insurer] shall be based
upon and conform to said Survey;

         (c)      That Seller has received no notice of any disputes concerning
the location of the lines and comers of the Property;

         (d)      That Seller has received no notice of action, contemplated
action, or plans: to close any public street adjoining the Premises; to
terminate, modify, or change any curb cut or street opening permit, license,
approval with respect to vehicular or pedestrian access between the Premises and
any adjoining public street; or to erect a median or similar barrier within any
public street adjoining the Premises that would restrict or limit access between
the Premises and such street; or to change the zoning classification or
regulations applicable to the Premises or any adjoining property;

         (e)      That Seller has received no notice of action, contemplated
action, or plans for a moratorium on the issuance of utility, development, or
building permits, licenses, or approvals necessary to utilize the Property
pursuant to the Plans (as said term is hereinafter defined), nor is Seller aware
of any moratorium or threat of a moratorium on applications to rezone or to seek
variances with respect to the Property;

         (f)      That Seller has received no notice of violations or alleged
violations of any governmental rules and/or regulations with reference to the
Property, or with reference to public or private easements for utilities which
serve and inure to the benefit of the Property;

         (g)      That Seller has received no notice of and has no knowledge of
any Contaminants (as said term is hereinafter defined) that have been deposited,
discharged, placed or disposed of at, on, under or near the Premises, nor has
any portion of the Premises been used as a landfill or for the disposal,
storage, sale, treatment, processing or other handling of any Contaminants. For
purposes of this Agreement, the term "Contaminants" shall mean pollutants,
contaminants, toxic waste and other substances (including but

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not limited to asbestos and to petroleum and petroleum-based products and
related constituents), the removal of which is required or the disposal or use
of which is regulated, restricted, prohibited or penalized by any Federal,
State, or local law or ordinance applicable to the Premises relating to
pollution or protection of the environment, including but not limited to the
Comprehensive Environmental Response, Compensation and Liability Act of 1980 and
all State laws relating to underground storage tank facilities. Seller has
received no notice that any portion of the Property constitutes "wetlands" as
that term is defined by the United States Corp of Engineers or the United States
Environmental Protection Agency or is subject to regulation as "wetlands" under
any state or local law, rule or regulation;

         (h)      That to Seller's best knowledge no part of the Property is
located in a flood zone as such is identified by Federal, State or local
agencies; and

         (i)      That Seller has the authority to enter into this Contract and
to perform its obligations hereunder.

                                       -2-

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         6.       CONDITIONS PRECEDENT. The obligation of Purchaser to
consummate this Agreement, and the purchase and sale contemplated hereby in
accordance with the terms and provision of this Agreement, is subject to the
fulfillment and satisfaction on or prior to Closing as to the conditions
described below:

         (a)      Each and all agreements and covenants of Seller as provided in
this Agreement shall have been fully and duly performed in accordance with the
terms and provisions of this Agreement;

         (b)      Each and all warranties and representations of Seller as
contained in this Agreement shall be true and correct as of Closing;

         (c)      Receipt by Purchaser of a building permit (the "Building
Permit") for the improvement of the Premises in accordance with the Purchaser's
plans for development of the Premises as same exist from time to time (the
"Plans");

         (d)      Receipt by Purchaser of all authorizations and permits, in
addition to the Building Permit, including, without limitation, construction and
use permits, curb cuts, driveway access or access control permits and sign
permits relating to the development and use of the Premises, in accordance with
the Plans and the receipt of verification confirming that the development and
use of the Premises in accordance with the Plans is consistent with all
applicable zoning and subdivision laws and regulations. All applications to
procure said authorizations and permits shall be obtained at the expense of the
Purchaser, but Seller shall cooperate with Purchaser to obtain same, and shall
execute all applications, petitions and consents necessary for such purposes]

         (e)      Receipt by Purchaser of verification that sanitary sewer and
storm sewer and other suitable drainage facilities, and water, gas, telephone
and electric utility services, satisfactory for the proposed use of the Premises
by Purchaser, are available to and for the use of the Premises in accordance
with the Plans. All such services shall be located at the property lines of the
Premises and available for immediate connection and use without payment of any
charges or assessments by Purchaser other than usual and ordinary connection
fees or services charges;

         (f)      Receipt by the Purchaser of engineering studies of the
Premises, including typographical survey, soil bearing tests, hydrology tests,
and other engineering data as Purchaser may reasonably require, all meeting, in
the Purchaser's sole discretion, engineering costs and standards for development
of the Premises in accordance with the Plans for development of the Premises.
The cost of such studies shall be paid by the Purchaser;

         (g)      Receipt by the Purchaser of all necessary Governmental
Charters to establish Integrity Bank; and

         (h)      Receipt by the Purchaser of all approvals required under
Sellers Leases for Grand Pavillion concerning the use, square footage or height
of the intended use by Purchaser. Purchaser hereby represents that the intended
use is for a 16000 sq. ft., 2-story office/bank building, and shall only be used
for such purposes. The design of said building will be similar to The Peachtree
Bank building in Norcross. Purchaser will provide Seller with its plans and
specifications as soon as available for Seller to get such approvals.

         Purchaser, its agents and representatives, shall have the right to
enter upon the Premises for the purpose of examining, inspecting, testing, and
surveying the Premises.

         In the event Purchaser fails and/or refuses to give written notice to
Seller of the satisfaction (or waiver) of the conditions set forth above within
150 days ("Due Diligence Period"), or in the event Purchaser provides Seller
with written notice within the stipulated period(s) set forth above that it
shall be unable to satisfy one or more of the conditions set forth above within
such stipulated period(s), this Contract shall be deemed terminated without the
necessity of further documentation, all Earnest Money, if any, shall be promptly
refunded to Purchaser, and neither party to this Contract shall thereafter have
any further right or claim against the other hereunder.

                                       -3-

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         The Purchaser may extend the Due Diligence Period for sixty (60) days
(the "Extension Period") by delivering an additional Five Thousand Dollar
($5000.00) Earnest Money Deposit to the Escrow Agent on or prior to the original
date for the expiration of the Due Diligence Period.

         7.       CLOSING.

         (a)      Purchaser and Seller shall consummate and close the sale
contemplated by this Contract (the "Closing") on or before the thirtieth (30th)
day following the expiration of the Due Diligence Period, at a time, at a place,
and on a date designated by Purchaser after the Purchaser has provided the
Seller with not less than two (2) days prior notice. Seller shall pay the State
of Georgia Transfer Tax and the cost of obtaining Purchasers Title Insurance
including Title Insurance Premium and Sellers attorney's fees. Purchaser shall
pay for all other costs associated with the closing;

         (b)      City, state and county ad valorem taxes and special
assessments for the calendar year of Closing shall be prorated between the
Seller and the Purchaser as of the date of Closing, provided that if the tax
bill for such calendar year has not been issued as of Closing, such proration
shall be based upon the tax bill for the prior calendar year with the parties
hereby agreeing following the Closing to adjust between themselves the
difference between such tax bills;

         (c)      At Closing, Seller shall pay all property transfer and similar
taxes;

         (d)      At the Closing, Seller will deliver to Purchaser all documents
reasonably necessary to fulfill its obligations herein, including but not
limited to the following documents (all of which shall be duly executed and
acknowledged where required and shall be in a form acceptable to Purchaser):

                  (i)      General Warranty Deed, conveying good and marketable
                           fee simple title to the Property;

                  (ii)     The Access Easement and the Utility Easement];

                  (iii)    An Owner's Affidavit executed by the Seller
                           containing such representations as the Title Insurer
                           shall reasonably require;

                  (iv)     Such other documents as shall be required by the
                           Title Insurer as a condition to insuring Purchaser's
                           title to the Property and to the areas encumbered by
                           the Access Easement and to the Utility Easement, free
                           of exceptions;

                  (v)      Reaffirmation of the truth and accuracy of Sellers
                           representations and warranties set forth in this
                           Contract, and a representation that all of Seller's
                           agreements contained in this Contract are completely
                           satisfied and discharged; and

                  (vi)     Affidavits and other documentation necessary to
                           satisfy State of Georgia and United States income tax
                           withholding requirements.

         8.       DEFAULT. Except as specifically provided in this Contract
relating to Conditions Precedent, or otherwise specifically provided in this
Contract, in the event the purchase and sale of the Property pursuant to this
Contract is not closed and consummated through default by Purchaser, then the
Earnest Money shall be delivered to Seller, as the full and only liquidated
damages for such default of Purchaser and as the sole remedy of Seller for any
such default by Purchaser, it being acknowledged and agreed that Seller's actual
damages would be difficult (if not impossible) to ascertain, and thereupon
neither of the parties hereto shall have any rights, duties, obligations, or
liabilities hereunder whatsoever. In the event of a default by Seller hereunder,
Purchaser may pursue an action against Seller for specific performance in
addition to the other remedies of Purchaser at law or in equity.

                                       -4-

<PAGE>   6

         9.       NOTICES. Whenever any notice is required or permitted
hereunder, such notice shall be in writing and shall be delivered in person, or
transmitted by facsimile communication or sent by U.S. Registered or Certified
Mail, Return Receipt Requested, postage prepaid, or by Federal Express, Express
Mail, or other reputable overnight delivery service, to the addresses set forth
below or at such other addresses as or specified by written notice delivered in
accordance herewith:

         SELLER:                    James E. Bridges d/b/a Grand Pavillion
                                    11130 State Bridge Rd.
                                    Suite D-201
                                    Alpharetta, GA 30022
                                    Facsimile #:  678-297-7522

         PURCHASER:                 Integrity Bank Organizing Group, LLP
                                    1215 Hightower Trail
                                    Atlanta, Ga. 30350

         with copy to:              Andrew E. Wolf, Esq.
                                    Wolf & Sabatini
                                    1215 Hightower Trail, A-100
                                    Atlanta, Ga. 30350

         Notices mailed as hereinabove provided shall be deemed effectively
given on the postmarked date of such notice if mailed, on the date delivered to
the reputable overnight delivery service if sent by overnight delivery, the date
delivered to a commercial courier service il personal delivery is made by a
commercial courier, and, otherwise, on the date actually received at the address
or facsimile number provided above.

         11.      MISCELLANEOUS.

         (a)      This agreement shall be construed and interpreted under the
laws of the state where the Property is located, without giving effect to
principals of conflicts of law.

         (b)      Except as otherwise provided herein, all rights, powers and
privileges conferred hereunder upon the parties shall be cumulative and not
restrictive to those given by law.

         (c)      The failure of either party to exercise any power given either
party hereunder or to insist upon strict compliance by either party of its
obligations hereunder shall not constitute a waiver of either party's right to
demand exact compliance with the terms hereof.

         (d)      This Contract contains the entire agreement of the parties
hereto with respect to the subject matter of this Agreement, and no
representations, inducements, promises or agreements, oral or otherwise, between
the parties not embodied herein shall be of any force or effect. This provision
may not be orally waived.

         (e)      This Contract shall be binding upon and shall inure to the
benefit of the parties hereto and their respective heirs, executors,
administrators, personal representatives, successors and assigns.

         (f)      No amendment to this Contract shall be binding on any of the
parties to this Contract unless such amendment is in writing, and such amendment
is executed by all of the parties to this Contract. This provision may not be
orally waived.

                                       -5-

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         (g)      No waiver or consent permitted or contemplated by this
Contract shall be effective or binding on any of the parties hereto unless the
same is in writing and delivered and received from one party to the other.

         (h)      The captions and headings of the paragraphs contained in this
Contract are inserted only as a matter of convenience and in no way define,
limit, construe, or describe the scope or intent of such paragraphs, or in any
way affect this Contract.

         (i)      Time shall not be of the essence in this Contract, except with
respect to the Closing Date.

         (j)      Possession of the Property shall be delivered by Seller to
Purchaser no later than the date of Closing.

         (k)      This Contract may be executed in several counterparts, each of
which shall be deemed an original, and all such counterparts together shall
constitute one and the same instrument.

         (1)      All representation, warranties, and agreements which are
contained in this Contract shall survive the Closing, and any investigation made
by or any actual or constructive notice of Purchaser, and shall not be deemed to
be merged into the Warranty Deed or into any of the other documents executed and
delivered at the time of Closing.

         (m)      In the event that any notice or performance date hereunder
shall be required to be performed on a weekend or legal holiday, then such date
shall automatically be extended to the next regular business day.

         (n)      Purchaser shall have the right to assign this Contract, and
its rights hereunder, in whole or in part, at any time and from time to time, to
any third party or entity; in each instance, such assignee shall assume all
obligations of Purchaser hereunder, and shall agree to execute all documents
which Purchaser is obligated to execute pursuant to the terms and provisions of
this Contract; upon such assignment as herein authorized and permitted,
Purchaser shall be fully and completely discharged of all of Purchaser's duties,
obligations, and liabilities hereunder to the extent of such assignment.

         (o)      The risk of loss or damage to the Property by fire or other
casualty up to the Closing is assumed by the Seller.

         (p)      Within ten (10) days of the Contract Date, the Seller shall
deliver to the Purchaser copies of all surveys, civil documents, test reports,
and environmental assessments relating to the Property that are within the
Seller's possession or control.

         (q)      In the event of litigation to enforce the rights and
obligations under the Contract, the prevailing party shall be entitled to
recover against the other party the prevailing party's reasonable attorneys'
fees and costs arising out of such litigation.

         (r)      If any paragraph, section, provision, sentence, clause, or
portion of this Contract is determined to be illegal, invalid, or unenforceable,
such determination shall in no way affect the legality, validity, or
enforceability of any other paragraph, section, provision, sentence, clause, or
portion of this Contract, and any such affected portion or provision shall be
modified, amended, or deleted to the extent possible and permissible to give the
fullest effect to the purposes of the parties to this Contract.

         (s)      If, prior to Closing, all or any portion of the Property is
subject to an eminent domain proceeding or the threat of an eminent domain
proceeding, Seller shall promptly provide Purchaser with written notice thereof.
After receiving such notice, Purchaser shall have the option of purchasing the
Property subject to such proceedings, without reduction of the Purchase Price,
whereupon any awards attributable to the Property shall be paid to Purchaser, or
cancelling this Contract without further obligation hereunder, in which event
the Earnest Money shall be returned forthwith to Purchaser.

                                       -6-

<PAGE>   8

         (t)      The Parties hereby agree to hold Escrow Agent harmless for any
and all matters concerning this Contract and holding the Earnest Money Deposit.
Escrow Agent shall execute this Contract for the sole purpose of acknowledging
receipt of the Earnest Money from Purchaser.

         IN WITNESS WHEREOF, each of the parties have hereunto set their hands
and affixed their seals the day and year written above.

                                       SELLER:  James E. Bridges d/b/a Grand
                                       Pavillion

                                       -------------------------------(I.S.)

As to Seller:

October 8, 1999.

                                       PURCHASER:

                                       Integrity Bank Organizing Group, L.L.P.

                                       By:
                                          ------------------------------------
                                          Steve Skow, Managing Partner

As to Purchaser:

October 8, 1999.

                                       ESCROW AGENT:

                                       Perimeter Title Services, Inc.

                                       ---------------------------------------
As to Escrow Agent:

October __, 1999.<PAGE>   1
                                  EXHIBIT 10.2

                                 PROMISSORY NOTE

Borrower: Integrity Bank Organizing Group, L.L.P.  Lender: The Bankers Bank
          1215A Hightower Trail, Suite 230                 2410 Paces Ferry Road
          Atlanta, GA 30350                                600 Paces Summit
                                                           Atlanta, GA 30339

Principal Amount:$500,000 Initial Rate:7.750%  Date of Note: September 16, 1999

PROMISE TO PAY. Integrity Bank Organizing Group, L.L.P. ("Borrower") promises to
pay to The Bankers Bank ("Lender"), or order, in lawful money of the United
States of America, the [principal amount to Five Hundred Thousand and 00/100
Dollars ($500,000.00) or so much as may be outstanding, together with interest
on the unpaid outstanding balance of each advance. Interest shall be calculated
from the date of each advance until repayment of each advance.

PAYMENT. Borrower will pay this loan in one payment of all outstanding principal
plus all accrued unpaid interest on September 16, 2000. In addition, Borrower
will pay regular quarterly payments of accrued unpaid interest beginning
December 16, 1999, and all subsequent interest payments are due on the same day
of each quarter after that. Borrower will pay Lender at Lender's address shown
above or at such other place as Lender may designate in writing. Unless
otherwise agreed or required by applicable law, payments will be applied first
to accrued unpaid interest, then to principal, ad any remaining amount to any
unpaid collection costs and late charges.

VARIABLE INTEREST RATE. The interest rate on this Note is subject to change from
time to time based on changes in an index which is the Prime rate as published
in the Money Rates section of the Wall Street Journal (the "Index"). If two or
more rates exist, then the highest rate will prevail. Lender will tell Borrower
the current index rate upon Borrower's request. Borrower understands that Lender
may make loans based on other rates as well. The interest rate change will not
occur more often than each day. The Index currently is 8.250% per annum. The
interest rate to be applied to the unpaid principal balance of this Note will be
at a rate of 0.500 percentage points under the Index, resulting in an initial
annual rate of simple interest of 7.750%. NOTICE: Under no circumstances will
the interest rate on this Note be more than the maximum rate allowed by
applicable law.

PREPAYMENT. Borrower may pay without penalty all or a portion of the amount owed
earlier than it is due. Early payments will not, unless agreed by Lender in
writing, relieve Borrower of Borrower's obligation to continue to make payments
of accrued unpaid interest. Rather, they will reduce the principal balance due.

LATE CHARGE. If a payment is 15 days or more late, Borrower will be charged
$100.00.

DEFAULT. Borrower will be in default if any of the following happens: (a)
Borrower fails to make any payment when due. (b) Borrower breaks any promise
Borrower has made to Lender, or Borrower fails to comply with or to perform when
due any other term, obligation, covenant, or condition contained in this Note or
any agreement related to this Note, or in any other agreement or loan Borrower
has with Lender. (c) Any representation or statement made or furnished to Lender
by Borrower or on Borrower's behalf is false or misleading in any material
respect either now or at the time made or furnished. (d) Any partner dies or any
of the partners or Borrower becomes insolvent, a receiver is appointed for any
part of Borrower's property, Borrower makes an assignment for the benefit of
creditors, or any proceeding is

<PAGE>   2

commenced either by Borrower or against Borrower under any bankruptcy or
insolvency laws. (e) Any creditor tries to take any of Borrower's property on or
in which Lender has a lien or security interest. This includes a garnishment of
any of Borrower's accounts with Lender. (f) Any of the events described in this
default section occurs with respect to any general partner of Borrower or any
guarantor of this Note. (g) A material adverse change occurs in Borrower's
financial condition, or Lender believes the prospect of payment or performance
of the indebtedness is impaired. (h) Lender in good faith deems itself insecure.

LENDER'S RIGHTS. Upon default, Lender may declare the entire unpaid principal
balance on this Note and all accrued unpaid interest immediately due, without
notice, and then Borrower will pay that amount. Upon default, including failure
to pay upon final maturity, Lender, at its option, may also, if permitted under
applicable law, increase the variable interest on this Note 3.000 percentage
points. The interest rate will not exceed the maximum rate permitted by
applicable law. Lender may hire or pay someone else to help collect this Note if
Borrower does not pay. Borrower also will pay Lender that amount. This includes,
subject to any limits under applicable law, Lender's, costs of collection,
including court costs and fifteen percent (15%) of the principal plus accrued
interest as attorneys' fees, if any sums owing under this Note are collected by
or through an attorney-at-law, whether or not there is a lawsuit, and legal
expenses for bankruptcy proceedings (including efforts to modify or vacate any
automatic stay or injunction), appeals, and any anticipated post-judgment
collection services. If not prohibited by applicable law, Borrower will also pay
any court costs, in addition to all other sums provided by law. This Note has
been delivered to Lender and accepted by Lender in the State of Georgia. Subject
to the provisions on arbitration, this Note shall be governed by and construed
in accordance with the laws of the State of Georgia.

DISHONORED ITEM FEE. Borrower will pay a fee to Lender of twenty dollars
($20.00) or five percent (5%) of the face amount of the check, whichever is
greater, if Borrower makes a payment on Borrower's loan and the check or
preauthorized charge with which Borrower pays is later dishonored.

RIGHT OF SETOFF. Borrower grants to Lender a contractual possessory security
interest in, and hereby assigns, conveys, delivers, pledges, and transfers to
Lender all Borrower's right, title and interest in and to, Borrower's accounts
with Lender (whether checking, savings, or some other account), including
without limitation all accounts held jointly with someone else and all accounts
Borrower may open in the future, excluding however all IRA and Keogh accounts,
and all trust accounts for which the grant of security interest would be
prohibited by law. Borrower authorizes Lender, to the extent permitted by
applicable law, to charge or setoff all sums owing on this Note against any and
all such accounts.

LINE OF CREDIT. This Note evidences a revolving line of credit. Advances under
this Note, as well as directions for payment from Borrower's accounts, may be
requested orally or in writing by Borrower or by an authorized person. Lender
may, but need not, require that all oral requests be confirmed in writing. The
following party or parties are authorized to request advances under the line of
credit until Lender receives from Borrower at Lender's address shown above
written notice of revocation of their authority: Steven M. Skow, Managing
Partner. Borrower agrees to be liable for all sums either: (a) advanced in
accordance with the instructions of an authorized person or (b) credited to any
of Borrower's accounts with Lender. The unpaid principal balance owing on this
Note at any time may be evidenced by endorsements on this Note or by Lender's
internal records, including daily computer print-outs. Lender will have no
obligation to advance funds under this Note if: (a) Borrower or any guarantor is
in default under this Note; (b) Borrower or any guarantor ceases doing business
or is insolvent; (c) any guarantor seeks, claims or otherwise attempts to limit,
modify or revoke such grantor's guarantee of this Note or any other loan with
Lender; (d) Borrower has applied funds provided pursuant to this Note for
purposes other than those authorized by Lender; or (e) Lender in good faith
deems itself insecure under this Note or any other agreement between Lender and
Borrower.

<PAGE>   3

ARBITRATION. Lender and Borrower agree that all disputes, claims and
controversies between the, whether individual, joint, or class in nature,
arising from this Note or otherwise, including without limitation contract and
tort disputes, shall be arbitrated pursuant to the Rules of the American
Arbitration Association, upon request of either party. No act to take or dispose
of any collateral securing this Note shall constitute a waiver of this
arbitration agreement or be prohibited by this arbitration agreement. This
includes, without limitation, obtaining injunctive relief or a temporary
restraining order; invoking a power of sale under any deed of trust or mortgage;
obtaining a writ of attachment or imposition of a receiver; or exercising any
rights relating to personal property, including taking or disposing of such
property with or without judicial process pursuant to Article 9 of the Uniform
Commercial Code. Any disputes, claims, or controversies concerning the
lawfulness or reasonableness of any act, or exercise of any right concerning any
collateral securing this Note, including any claim to rescind, reform, or
otherwise modify any agreement relating to the collateral securing this Note,
shall also be arbitrated, provided however that no arbitrator shall have the
right or the power to enjoin or restrain any act of any party. Judgment upon any
award rendered by any arbitrator may be entered in any court having
jurisdiction. Nothing in this Note shall preclude any party from seeking
equitable relief from a court of competent jurisdiction. The statute of
limitation, estoppel, waiver, laches, and similar doctrines which would
otherwise be applicable in an action brought by a party shall be applicable in
any arbitration proceeding, and the commencement of an arbitration proceeding
shall be deemed the commencement of an action for these purposes. The Federal
Arbitration Act shall apply to the construction, interpretation, and enforcement
of this arbitration provision.

ACCRUAL METHOD.  Interest will be calculated on an Actual/360 basis.

GENERAL PROVISIONS. Lender may delay or forgo enforcing any of its rights or
remedies under this Note without losing them. Borrower and any other person who
signs, guarantees or endorses this Note, to the extent allowed by law, waive
presentment, demand for payment, protest and notice of dishonor. Upon any change
in the terms of this Note, and unless otherwise expressly stated in writing, no
party who signs this Note, whether as maker, guarantor, accommodation maker or
endorser, shall be released from liability. All such parties waive any right to
require Lender to take action against any other party who signs this Note as
provided in O.C.G.A. Section 10-7-24 and agree that Lender may renew or extend
(repeatedly and for any length of time) this loan, or release any party,
partner, or guarantor or collateral; or impair, fail to realize upon or perfect
Lender's security interest in the collateral; and take any other action deemed
necessary by Lender without the consent of or notice to anyone. All such parties
also agree that Lender may modify this loan without the consent of or notice to
anyone other than the party with whom the modification is made.

IN WITNESS WHEREOF, THIS NOTE HAS BEEN SIGNED AND SEALED BY THE UNDERSIGNED, WHO
ACKNOWLEDGED A COMPLETED COPY HEREOF.

BORROWER:

Integrity Bank Organizing Group, L.L.P.

By:  -----------------------------------(SEAL)
     Steven M. Skow, General Partner

LENDER:

The Bankers Bank

By:  -----------------------------------
     Authorized Officer

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