Document:

EXHIBIT 10.9.2

                               CNB HOLDINGS, INC.

                                  AMENDMENT TO
                             NONQUALIFIED OPTION FOR
                             COMMON STOCK AGREEMENT
                                ($1.00 PAR VALUE)

         This Amendment to Nonqualified Stock Option Agreement dated , by and
between CNB Holdings, Inc. ("Company") and ----------- --------- ("Grantee").

         WHEREAS, Company and Grantee entered in to an Nonqualified Stock Option
Agreement dated _____________________ (the "Option Agreement"); and

         WHEREAS, Company and Grantee desire to amend the Option Agreement;

         NOW, THEREFORE, in consideration of the premises and the mutual
agreements hereinafter set forth, the parties agree as follows:

         1. Section 4 of the Option Agreement is hereby amended by deleting it
in its entirety and substituting in lieu thereof a new paragraph providing as
follows:

                  4. EXPIRATION OF OPTION. This Option shall expire, shall
         become null and void and shall be of no further force and effect upon
         the earlier of the following events to occur:

                           (a) ten years after the Date of Grant; or

                           (b) thirty days after the Company has notified
                  Grantee that Company's primary federal regulator has
                  determined that Company's capital has fallen below such
                  regulator's requirements.

         2. Section 9 of the Option Agreement is hereby amended by deleting the
words "subject to paragraph 4(d) hereof' in the third and forth lines of the
Section.

         3. Except as amended hereby, the terms, conditions, covenants,
agreements, representations and warranties contained in the Option Agreement
shall remain unaffected hereby and shall continue in full force and effect.

         4. This Amendment may be executed simultaneously in two or more
counterparts, each of which shall be deemed an original, but all of which
together shall constitute one and the same instrument.

<PAGE>

         IN WITNESS WHEREOF, the parties have caused this Amendment to be duly
executed by their duly authorized officers as of the date first written above.

ATTEST:                                        "Company"

                                               CNB HOLDINGS, INC.

                                                By:
    ----------------------------------             -------------------------
                          , Secretary          Its:
       -------------------                          ------------------------

        [CORPORATE SEAL]

                                               "Optionee"

------------------------------
WitnessEXHIBIT 10.9.3

                                  AMENDMENT TO
                              AMENDED AND RESTATED
                      1998 NON-QUALIFIED STOCK OPTION PLAN

                               CNB HOLDINGS, INC.

         THIS AMENDMENT TO THE AMENDED AND RESTATED 1998 NON-QUALIFIED STOCK
OPTION PLAN (this "Amendment") is made and entered into as of the 21st day of
June, 2004.

         WHEREAS, CNB Holdings, Inc. (the "Company") has established that
certain Amended and Restated 1998 Non-Qualified Stock Option Plan (the "Plan"),
pursuant to which options to purchase shares of the Company's common stock, par
value $1.00 per share, may be issued on the terms and conditions contained in
the Plan; and

         WHEREAS, the Board of Directors now desires to amend the Plan on the
terms and conditions set forth herein as permitted by Section L of the Plan;

         NOW, THEREFORE, the Plan is amended upon the terms, and subject to the
conditions, set forth herein:

         1. SHARES SUBJECT TO THE PLAN. Section C of the Plan is hereby amended
by deleting Section C in its entirety and inserting the following in lieu
thereof:

         "C.  Stock to be Optioned

              Subject to the provision of Section M of this Plan, the maximum
              number of shares of Stock that may be optioned or sold under the
              Plan is 498,000 shares. Such shares may be treasury, or
              authorized, but unissued, shares of Stock of the Company."

         2. INCONSISTENT PROVISIONS. All provisions of the Plan which have not
been amended by this Amendment shall remain in full force and effect.
Notwithstanding the foregoing, to the extent that there is any inconsistency
between the provisions of the Plan and the provisions of this Amendment, the
provisions of the Amendment shall control.

<PAGE>

         THIS AMENDMENT is adopted to be effective as of the approval of said
amendment by the shareholders of the Company, and the Company has caused this
Amendment to be executed by its duly authorized officer.

                                            CNB HOLDINGS, INC.

                                            By:  /s/ H. N. Padget
                                               ---------------------------------
                                            Name:    H. N. Padget
                                                 -------------------------------
                                            Title:   President/CEO
                                                  ------------------------------EXHIBIT 10.10.1

                                 LIFE INSURANCE

                      ENDORSEMENT METHOD SPLIT DOLLAR PLAN

                                    AGREEMENT

Insurer:                                   Northwestern Mutual Life Insurance
                                           Company

Policy Number:
                                           ------------------

Bank:                                      Chattahoochee National Bank

Insured:
                                           ------------------

Relationship of Insured to Bank:           Executive

The respective rights and duties of the Bank and the Insured in the
above-referenced policy shall be pursuant to the terms set forth below:

I.      DEFINITIONS

        Refer to the policy contract for the definition of any terms in this
        Agreement that are not defined herein. If a definition of a term in the
        policy is inconsistent with the definition of a term in this Agreement,
        then the definition of the term as set forth in this Agreement shall
        supersede and replace the definition of the terms as set forth in the
        policy.

II.     POLICY TITLE AND OWNERSHIP

        Title and ownership shall reside in the Bank for its use and for the use
        of the Insured all in accordance with this Agreement. The Bank may, to
        the extent of its interest, exercise the right to borrow or withdraw on
        the policy cash values. Where the Bank and the Insured (or assignee,
        with the consent of the Insured) mutually agree to exercise the right to
        increase the coverage under the subject Split Dollar policy, then, in
        such event, the rights, duties and benefits of the parties to such
        increased coverage shall continue to be subject to the terms of this
        Agreement.

III.    BENEFICIARY DESIGNATION RIGHTS

        The Insured (or assignee) shall have the right and power to designate a
        beneficiary or beneficiaries to receive the Insured's share of the
        proceeds payable upon the death of the Insured, and to elect and change
        a payment option for such beneficiary, subject to any

<PAGE>

        right or interest the Trustee at the direction of the Bank or the Trust
        may have in such proceeds, as provided in this Agreement.

IV.     PREMIUM PAYMENT METHOD

        The Bank shall pay an amount equal to the planned premiums and any other
        premium payments that might become necessary to keep the policy in
        force.

V.      TAXABLE BENEFIT

        Annually the Insured will receive a taxable benefit equal to the assumed
        cost of insurance as required by the Internal Revenue Service. The Bank
        will report to the Insured the amount of imputed income each year on
        Form W-2 or its equivalent.

VI.     DIVISION OF DEATH PROCEEDS

        Subject to Paragraphs VII and IX herein, the division of the death
        proceeds of the policy is as follows:

        A.  Should the Insured be employed by the Bank at the time of death, the
            Insured's beneficiary(ies), designated in accordance with Paragraph
            III, shall be entitled to an amount equal to the percentage set
            forth hereinbelow of the net-at-risk insurance portion of the
            proceeds that corresponds to plan year of death. The net-at-risk
            insurance portion is the total proceeds less the cash value of the
            policy.

                                                            Percentage of
                         Plan Year                       Net-at-risk to the
                         Of Death                    Insured's Beneficiary(ies)
                         --------                    --------------------------

                             1                                    20%
                             2                                    30%
                             3                                    40%
                             4                                    50%
                             5                                    60%
                             6                                    70%
                             7                                    80%
                             8 or more                            90%

        B.  Should the Insured not be employed by the Bank at the time of his or
            her death, the Insured's beneficiary(ies), designated in accordance
            with Paragraph III, shall be entitled to the percentage as set forth
            hereinbelow of the proceeds described in Subparagraph VI (A) above
            that corresponds to the number of full years the Insured has been
            employed by the Bank since the date of first employment.

                                       2
<PAGE>

                                        Number of
                                      Full Years of         Vested Percentage
              Date of Employment       Employment         (To a Maximum of 100%)
              ------------------       ----------         ----------------------

                                           1-9                 5.56% per year
                                          PLUS
                                           10-14                 10% per year

        Notwithstanding anything hereinabove to the contrary, the Executive
        shall be one hundred percent (100%) vested upon attaining age fifty-five
        (55) while employed by the Bank.

        C.  The Bank shall be entitled to the remainder of such proceeds.

        D.  The Bank and the Insured (or assignees) shall share in any interest
            due on the death proceeds on a pro rata basis as the proceeds due
            each respectively bears to the total proceeds, excluding any such
            interest.

VII.    DIVISION OF THE CASH SURRENDER VALUE OF THE POLICY

        The Bank shall at all times be entitled to an amount equal to the
        policy's cash value, as that term is defined in the policy contract,
        less any policy loans and unpaid interest or cash withdrawals previously
        incurred by the Bank and any applicable surrender charges. Such cash
        value shall be determined as of the date of surrender or death as the
        case may be.

VIII.    RIGHTS OF PARTIES WHERE POLICY ENDOWMENT OR ANNUITY ELECTION EXISTS

        In the event the policy involves an endowment or annuity element, the
        Bank's right and interest in any endowment proceeds or annuity benefits,
        on expiration of the deferment period, shall be determined under the
        provisions of this Agreement by regarding such endowment proceeds or the
        commuted value of such annuity benefits as the policy's cash value. Such
        endowment proceeds or annuity benefits shall be considered to be like
        death proceeds for the purposes of division under this Agreement.

IX.     TERMINATION OF AGREEMENT

        This Agreement shall terminate upon the occurrence of any one of the
        following:

        A.  The Insured shall be discharged from employment with the Bank for
            cause. The term "for cause" shall mean any of the following that
            result in an adverse effect on the Bank: (i) gross negligence or
            gross neglect; (ii) the commission of a felony or gross misdemeanor
            involving moral turpitude, fraud, or dishonesty; (iii) the willful
            violation of any law, rule, or regulation (other than a traffic
            violation or

                                       3
<PAGE>

            similar offense); (iv) an intentional failure to perform stated
            duties; or (v) a breach of fiduciary duty involving personal profit;
            or

        B.  Surrender, lapse, or other termination of the Policy by the Bank.

            Upon such termination, the Insured (or assignee) shall have a
            fifteen (15) day option to receive from the Bank an absolute
            assignment of the policy in consideration of a cash payment to the
            Bank, whereupon this Agreement shall terminate. Such cash payment
            referred to hereinabove shall be the greater of:

            A.  The Bank's share of the cash value of the policy on the date
                of such assignment, as defined in this Agreement; or

            B.  The amount of the premiums which have been paid by the Bank
                prior to the date of such assignment.

        If, within said fifteen (15) day period, the Insured fails to exercise
        said option, fails to procure the entire aforestated cash payment, or
        dies, then the option shall terminate and the Insured (or assignee)
        agrees that all of the Insured's rights, interest and claims in the
        policy shall terminate as of the date of the termination of this
        Agreement.

        The Insured expressly agrees that this Agreement shall constitute
        sufficient written notice to the Insured of the Insured's option to
        receive an absolute assignment of the policy as set forth herein.

        Except as provided above, this Agreement shall terminate upon
        distribution of the death benefit proceeds in accordance with Paragraph
        VI above.

X.  INSURED'S OR ASSIGNEE'S ASSIGNMENT RIGHTS

    The Insured may not, without the written consent of the Bank, assign to any
    individual, trust or other organization, any right, title or interest in the
    subject policy nor any rights, options, privileges or duties created under
    this Agreement.

XI. AGREEMENT BINDING UPON THE PARTIES

    This Agreement shall bind the Insured and the Bank, their heirs, successors,
    personal representatives and assigns.

XII. ERISA PROVISIONS

    The following provisions are part of this Agreement and are intended to meet
    the requirements of the Employee Retirement Income Security Act of 1974
    ("ERISA"):

                                       4
<PAGE>

    A.  NAMED FIDUCIARY AND PLAN ADMINISTRATOR.

        The "Named Fiduciary and Plan Administrator" of this Endorsement Method
        Split Dollar Agreement shall be Chattahoochee National Bank until its
        resignation or removal by the Board of Directors. As Named Fiduciary and
        Plan Administrator, the Bank shall be responsible for the management,
        control, and administration of this Split Dollar Plan as established
        herein. The Named Fiduciary may delegate to others certain aspects of
        the management and operation responsibilities of the Plan, including the
        employment of advisors and the delegation of any ministerial duties to
        qualified individuals.

    B.  FUNDING POLICY.

        The funding policy for this Split Dollar Plan shall be to maintain the
        subject policy in force by paying, when due, all premiums required.

    C.  BASIS OF PAYMENT OF BENEFITS.

        Direct payment by the Insurer is the basis of payment of benefits under
        this Agreement, with those benefits in turn being based on the payment
        of premiums as provided in this Agreement.

    D.  CLAIM PROCEDURES.

        Claim forms or claim information as to the subject policy can be
        obtained by contacting Benmark, Inc. (800-544-6079). When the Named
        Fiduciary has a claim which may be covered under the provisions
        described in the insurance policy, they should contact the office named
        above, and they will either complete a claim form and forward it to an
        authorized representative of the Insurer or advise the named Fiduciary
        what further requirements are necessary. The Insurer will evaluate and
        make a decision as to payment. If the claim is payable, a benefit check
        will be issued in accordance with the terms of this Agreement.

        In the event that a claim is not eligible under the policy, the Insurer
        will notify the Named Fiduciary of the denial pursuant to the
        requirements under the terms of the policy. If the Named Fiduciary is
        dissatisfied with the denial of the claim and wishes to contest such
        claim denial, they should contact the office named above and they will
        assist in making an inquiry to the Insurer. All objections to the
        Insurer's actions should be in writing and submitted to the office named
        above for transmittal to the Insurer.

XIII.   GENDER

        Whenever in this Agreement words are used in the masculine or neuter
        gender, they shall be read and construed as in the masculine, feminine
        or neuter gender, whenever they should so apply.

                                       5
<PAGE>

XIV.    INSURANCE COMPANY NOT A PARTY TO THIS AGREEMENT

        The Insurer shall not be deemed a party to this Agreement, but will
        respect the rights of the parties as herein developed upon receiving an
        executed copy of this Agreement. Payment or other performance in
        accordance with the policy provisions shall fully discharge the Insurer
        from any and all liability.

XV.     CHANGE OF CONTROL

        Change of Control shall be deemed to be the cumulative transfer of more
        than fifty percent (50%) of the voting stock of the Bank or the Holding
        Company from the date of this Agreement. For the purposes of this
        Agreement, transfers on account of death or gifts, transfers between
        family members, or transfers to a qualified retirement plan maintained
        by the Bank shall not be considered in determining whether there has
        been a Change of Control. Upon a Change of Control, if the Insured's
        employment is subsequently terminated, except for cause, then the
        Insured shall be one hundred percent (100%) vested in the benefits
        promised in this Agreement and, therefore, upon the death of the
        Insured, the Insured's beneficiary(ies) (designated in accordance with
        Paragraph III) shall receive the death benefit provided herein as if the
        Insured had died while employed by the Bank (See Subparagraph VI [A]).

XVI.    AMENDMENT OR REVOCATION

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

XVII.    EFFECTIVE DATE

         The Effective Date of this Agreement shall be  _________________ .

XVIII.  SEVERABILITY AND INTERPRETATION

        If a provision of this Agreement is held to be invalid or unenforceable,
        the remaining provisions shall nonetheless be enforceable according to
        their terms. Further, in the event that any provision is held to be over
        broad as written, such provision shall be deemed amended to narrow its
        application to the extent necessary to make the provision enforceable
        according to law and enforced as amended

XIX.    APPLICABLE LAW

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

                                       6
<PAGE>

XX.     PREMIUM PAYMENT METHOD AND BANK'S DUE DILIGENCE

        Subject to the following, the Bank shall pay an amount equal to the
        planned premiums and any other premium payments that might become
        necessary to keep the policy in force. The Bank shall exercise due
        diligence in reviewing the financial stability of the insurance company
        and the policy that are the subject of this Agreement. If the Bank
        believes that the Insurer under the policy is financially weak or that
        the policy is not performing well, the Bank may, at any time, surrender
        the policy or substitute a different policy provided that the Bank is
        under no obligation to invest in such replacement policy any more than
        the proceeds available from the cash surrender value of the original
        policy. The Executive will cooperate by undertaking any necessary
        medical examination. If the Bank chooses to surrender the
        above-referenced policy without replacing it or the policy otherwise
        ceases to exist prior to the death of the Insured, the Bank agrees to
        pay the Insured's named beneficiary(ies) as a death benefit under
        Paragraph VI of this Agreement.

Executed at Alpharetta, Georgia this ____ day of ____________, 20__.

                                                   CHATTAHOOCHEE NATIONAL
                                                   BANK
                                                   Alpharetta, Georgia

                                                   By:
-----------------------------                         --------------------------
                                                   Title:

-----------------------------                      -----------------------------
Witness

                                       7
<PAGE>

                          BENEFICIARY DESIGNATION FORM
                      FOR LIFE INSURANCE ENDORSEMENT METHOD
                           SPLIT DOLLAR PLAN AGREEMENT

PRIMARY DESIGNATION:

            Name                      Address                    Relationship
            ----                      -------                    ------------

--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------

SECONDARY (CONTINGENT) DESIGNATION:

--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------

        All sums payable under the Life Insurance Endorsement Method Split
        Dollar Plan Agreement by reason of my death shall be paid to the Primary
        Beneficiary, if he or she survives me, and if no Primary Beneficiary
        shall survive me, then to the Secondary (Contingent) Beneficiary.

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

                                       8

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