Document:

<PAGE>
Exhibit 10.10

STATE OF NORTH CAROLINA
COUNTY OF CALDWELL

                                                     CHANGE OF CONTROL AGREEMENT

      THIS CHANGE OF CONTROL AGREEMENT (hereinafter referred to as this
"Agreement") is entered into as of the 1ST day of JANUARY, 2002, by and among
BANK OF GRANITE CORPORATION (the "Corporation"), a Delaware corporation, or its
successors, the Corporation's wholly-owned subsidiary BANK OF GRANITE (the
"Bank"), a banking association organized under the laws of the state of North
Carolina, or its successors, (hereinafter the Corporation and the Bank, or their
successors, are collectively referred to as the "Company"), and CHARLES M.
SNIPES (the "Officer"), an individual residing in CATAWBA County, North
Carolina.

      WHEREAS, the Officer has heretofore been employed by the Company with the
title of "PRESIDENT OF BANK OF GRANITE CORPORATION AND PRESIDENT AND CHIEF
EXECUTIVE OFFICER OF BANK OF GRANITE"; and

      WHEREAS, the services of the Officer, the Officer's experience and
knowledge of the affairs of the Company and reputation and contacts in the
industry are extremely valuable to the Company; and

      WHEREAS, the Company wishes to attract and retain such well-qualified
executives and it is in the best interest of the Company and of the Officer to
secure the continued services of the Officer notwithstanding any change of
control of the Corporation or the Bank; and

      WHEREAS, the Company considers the establishment and maintenance of a
sound and vital management team to be part of their overall corporate strategy
and to be essential to protecting and enhancing the best interest of the Company
and the its shareholders; and

      WHEREAS, the parties desire to enter into this Agreement to provide the
Officer with security in the event of a change of control of the Corporation or
the Bank to ensure the continued loyalty of the Officer during any change of
control in order to maximize shareholder value as well as the continued safe and
sound operation of the Company.

      WHEREAS, the Officer, the Company acknowledge and agree that this
Agreement is not an employment agreement but is limited to circumstances giving
rise to a change of control of the Corporation or the Bank as set forth herein.

      NOW, THEREFORE, for and in consideration of the premises and mutual
promises, covenants, and conditions hereinafter set forth, and other good and
valuable consideration, the receipt and sufficiency of which hereby are
acknowledged, the parties hereby do agree as follows:

      1.    Term. The initial term of this Agreement shall be for the period
            commencing upon the effective date of this Agreement and ending
            THREE (3) calendar years from the effective date of this Agreement.
            At each anniversary date of this Agreement, the term automatically
            shall be extended for an additional THREE (3) calendar years on the
            same terms and conditions set forth herein, unless the Company shall
            give written

                                       1
<PAGE>

            notice to the Officer of its intention not to extend this Agreement
            for an additional THREE (3) calendar years, which notice shall be
            given at least thirteen (13) months prior to the next anniversary
            date.

      2.    Change of Control.

            (a) In the event of a termination of the Officer's employment in
            connection with, or within THIRTY-SIX (36) months after, a "Change
            of Control" (as defined in Subparagraph (e) below) of the
            Corporation or the Bank, for reasons other than for "cause" (as
            defined in Subparagraph (b) below), the Officer shall be entitled to
            receive the sum set forth in Subparagraph (d) below. Said sum shall
            be payable as provided in Subparagraph (f) below, provided, however,
            that the Officer is employed on a full-time basis by the Bank at the
            effective time of the "Change of Control", except as provided in
            Subparagraph (j) below.

            (b) For purposes of this Agreement, termination "for cause" shall
            mean (a) any dishonest, illegal or other act of moral turpitude
            (such as theft, fraud or embezzlement) by the Officer which is
            materially detrimental to the interest and well-being of the
            Company, (b) the conviction of a felony, (c) the unreasonable
            failure or refusal of the Officer to perform to the best of his
            ability on a reasonable basis his duties hereunder, or (d) any
            violation by the Officer of any state or federal law, rule or
            regulation relating to banking, financial institutions or securities
            laws, the violation of which would be materially detrimental to the
            interest and well-being of the Company.

            (c) The Officer shall have the right to terminate this Agreement
            upon the occurrence of any of the following events (the "Termination
            Events") within THIRTY-SIX (36) months following a Change of Control
            of the Company or the Bank:

                  (i)   Officer is assigned any duties and/or responsibilities
                        that are inconsistent with his duties or
                        responsibilities at the time of the Change of Control;

                  (ii)  Officer's annual base salary is reduced below the amount
                        in effect as of the effective date of a Change of
                        Control;

                  (iii) Officer's life insurance, medical or hospitalization
                        insurance, disability insurance, stock option plans,
                        stock purchase plans, deferred compensation plans,
                        management retention plans, retirement plans, or similar
                        plans or benefits being provided by the Company to the
                        Officer as of the effective date of the Change of
                        Control are reduced in their level, scope, or coverage,
                        or any such insurance, plans, or benefits are
                        eliminated, unless such reduction or elimination applies
                        proportionately to all salaried employees of the Company
                        who participated in such benefits prior to such Change
                        of Control; or

                  (iv)  Officer is required to transfer performance of his
                        day-to-day services required hereunder to a location
                        which is more than fifty (50) miles from the Officer's
                        current principal work location, without the Officer's
                        express written consent.

                  A Termination Event shall be deemed to have occurred on the
                  date such action or event is implemented or takes effect.

                                       2
<PAGE>

            (d) In the event that the Officer terminates this Agreement pursuant
            to this Paragraph 2, the Company will be obligated (1) to pay or
            cause to be paid to the Officer an amount equal to THREE (3) times
            (i) the Officer's then current salary plus (ii) the average of the
            cash bonus incentive paid to the Officer by the Company under the
            Company's bonus incentive plan during the immediately preceding
            three (3) years, and (2) to continue for a period of THREE (3) years
            after such termination all benefits the Officer was receiving and
            entitled to at such termination date under the Company's benefit
            programs and plans, including, but not limited to, vacation,
            personal leave, participation and vesting in incentive stock option
            plans, participation and vesting in profit sharing and supplemental
            retirement benefit plans, medical, disability, life and accident
            insurance coverage and reasonable costs of continuing education and
            other fees associated with the maintenance and renewal of
            professional licenses (all said benefits being hereinafter referred
            to as the "Fringe Benefits"). So long as the Officer is employed
            hereunder, the Company will provide and maintain a full-sized,
            four-door automobile for the Officer's business and personal use,
            and the Officer shall be responsible for any income or other taxes
            associated with such personal use of the Company-provided
            automobile. The Officer, in his sole discretion, may elect to
            receive the cash dollar equivalent of such benefits.

            (e) For the purposes of this Agreement, the term Change of Control
            shall mean any of the following events:

                  (i)   After the effective date of this Agreement, any "person"
                        (as such term is defined Section 7(j)(8)(A) of the
                        Change in Bank Control Act of 1978), directly or
                        indirectly, acquires beneficial ownership of voting
                        stock, or acquires irrevocable proxies or any
                        combination of voting stock and irrevocable proxies,
                        representing fifty percent (50%) or more of any class of
                        voting securities of the Corporation or the Bank, or
                        acquires control of in any manner the election of a
                        majority of the directors of the Corporation or the
                        Bank;

                  (ii)  The Corporation or the Bank consolidates or merges with
                        or into another corporation, association, or entity, or
                        is otherwise reorganized, where the Corporation or the
                        Bank is not the surviving corporation in such
                        transaction and the holders of the voting securities of
                        the Corporation or the Bank immediately prior to such
                        acquisition own less than a majority of the voting
                        securities of the surviving entity immediately after the
                        transaction; or

                  (iii) All or substantially all of the assets of the
                        Corporation or the Bank are sold or otherwise
                        transferred to or are acquired by any other corporation,
                        association, or other person, entity, or group.

                  Notwithstanding the other provisions of this Paragraph 2, a
                  transaction or event shall not be considered a Change of
                  Control if, prior to the consummation or occurrence of such
                  transaction or event, the Officer and the Company agree in
                  writing that the same shall not be treated as a Change of
                  Control for purposes of this Agreement.

            (f)   Amounts payable pursuant to this Paragraph 2 shall be paid, at
                  the option of the Officer, either in one lump sum or in
                  THIRTY-SIX (36) equal monthly payments.

                                       3
<PAGE>

            (g)   Following a Termination Event which gives rise to the
                  Officer's rights hereunder, the Officer shall have THREE (3)
                  years from the date of occurrence of the Termination Event to
                  terminate this Agreement pursuant to this Paragraph 2. Any
                  such termination shall be deemed to have occurred only upon
                  delivery to the Corporation or Bank, or any successors
                  thereto, of written notice of termination, which describes the
                  Change of Control and Termination Event. If the Officer does
                  not so terminate this Agreement within such THREE (3) year
                  period, the Officer shall thereafter have no further rights
                  hereunder with respect to that Termination Event, but shall
                  retain rights, if any, hereunder with respect to any other
                  Termination Event as to which such period has not expired.

            (h)   It is the intent of the parties hereto that all payments made
                  pursuant to this Agreement be deductible by the Corporation or
                  the Bank for federal income tax purposes and not result in the
                  imposition of an excise tax on the Officer. Notwithstanding
                  anything contained in this Agreement to the contrary, any
                  payments to be made to or for the benefit of the Officer which
                  are deemed to be "parachute payments" as that term is defined
                  in Section 280G(b)(2) of the Internal Revenue Code, as amended
                  (the "Code"), shall be modified or reduced to the extent
                  deemed to be necessary by the Company's Board of Directors to
                  avoid the imposition of an excise tax on the Officer under
                  Section 4999 of the Code or the disallowance of a deduction to
                  the Company under Section 280G(a) of the Code.

            (i)   In the event any dispute shall arise between the Officer and
                  the Company as to the terms or interpretation of this
                  Agreement, including this Paragraph 2, whether instituted by
                  formal legal proceedings or otherwise, including any action
                  taken by the Officer to enforce the terms of this Paragraph 2
                  or in defending against any action taken by the Corporation or
                  the Bank, the Bank shall reimburse the Officer for all costs
                  and expenses, proceedings or actions, in the event the Officer
                  prevails in any such action.

            (j)   It is further agreed that the payment agreed in this Paragraph
                  2 to be paid by the Company to the Officer shall be due and
                  paid to the Officer should a Change of Control (as defined
                  above) be agreed to by the Corporation or the Bank or be
                  consummated within six (6) months of the Officer's involuntary
                  termination of employment with the Corporation or the Bank for
                  reasons other than for "cause" as such term is defined in
                  Subparagraph 2(b) hereof.

      3.    Successors and Assigns. This Agreement shall inure to the benefit of
            and be binding upon any corporate or other successor of the
            Corporation or the Bank, which shall acquire, directly or
            indirectly, by conversion, merger, consolidation, purchase, or
            otherwise, all or substantially all of the assets of the Corporation
            or the Bank.

      4.    Modification; Waiver; Amendments. No provision of this Agreement may
            be modified, waived or discharged unless such waiver, modification
            or discharge is agreed to in writing and signed by the Officer, the
            Company, except as herein otherwise provided. No waiver by any party
            hereto, at any time, of any breach by any party hereto, or
            compliance with, any condition or provision of this Agreement to be
            performed by such party shall be deemed a waiver of similar or
            dissimilar provisions or conditions at the same or at any prior or
            subsequent time. No amendments or additions to this Agreement shall
            be binding unless in writing and signed by the parties, except as
            herein otherwise provided.

                                       4
<PAGE>

      5.    Applicable Law. This Agreement shall be governed in all respects
            whether as to validity, construction, capacity, performance, or
            otherwise, by the laws of North Carolina, except to the extent that
            federal law shall be deemed to apply.

      6.    Severability. The provisions of this Agreement shall be deemed
            severable and the invalidity or unenforceability of any provision
            hereof shall not affect the validity or enforceability of the other
            provision hereof.

      IN TESTIMONY WHEREOF, the Company have caused this Agreement to be
executed under seal and in such form as to be binding, all by authority of their
Board(s) of Directors first duly given, and the individual party hereto has set
said party's hand hereto and has adopted as said party's seal the typewritten
word "SEAL" appearing beside said party's name, this the day and year first
above written.

(Corporate Seal)                        BANK:
[Bank of Granite
corporate seal here]
ATTEST:                                 Bank of Granite

By: /s/ Kirby A. Tyndall                By: /s/ John A. Forlines, Jr.
    --------------------------------        ------------------------------------
    Kirby A. Tyndall                        John A. Forlines, Jr.
    Secretary                               Chairman

(Corporate Seal)                        CORPORATION:
[Bank of Granite Corporation
corporate seal here]
ATTEST:                                 Bank of Granite Corporation

By: /s/ Kirby A. Tyndall                By: /s/ John A. Forlines, Jr.
    --------------------------------        ------------------------------------
    Kirby A. Tyndall                        John A. Forlines, Jr.
    Secretary                               Chairman and Chief Executive Officer

                                        OFFICER:

                                        /s/ Charles M. Snipes
                                        ---------------------------------------
                                        Charles M. Snipes

                                       5<PAGE>
Exhibit 10.11

STATE OF NORTH CAROLINA
COUNTY OF CALDWELL

                                                     CHANGE OF CONTROL AGREEMENT

      THIS CHANGE OF CONTROL AGREEMENT (hereinafter referred to as this
"Agreement") is entered into as of the 1ST day of JANUARY, 2002, by and among
BANK OF GRANITE CORPORATION (the "Corporation"), a Delaware corporation, or its
successors, the Corporation's wholly-owned subsidiary BANK OF GRANITE (the
"Bank"), a banking association organized under the laws of the state of North
Carolina, or its successors, (hereinafter the Corporation and the Bank, or their
successors, are collectively referred to as the "Company"), and KIRBY A. TYNDALL
(the "Officer"), an individual residing in CATAWBA County, North Carolina.

      WHEREAS, the Officer has heretofore been employed by the Company with the
title of "SECRETARY/TREASURER AND CHIEF FINANCIAL OFFICER OF BANK OF GRANITE
CORPORATION AND SENIOR VICE PRESIDENT AND CHIEF FINANCIAL OFFICER OF BANK OF
GRANITE"; and

      WHEREAS, the services of the Officer, the Officer's experience and
knowledge of the affairs of the Company and reputation and contacts in the
industry are extremely valuable to the Company; and

      WHEREAS, the Company wishes to attract and retain such well-qualified
executives and it is in the best interest of the Company and of the Officer to
secure the continued services of the Officer notwithstanding any change of
control of the Corporation or the Bank; and

      WHEREAS, the Company considers the establishment and maintenance of a
sound and vital management team to be part of their overall corporate strategy
and to be essential to protecting and enhancing the best interest of the Company
and the its shareholders; and

      WHEREAS, the parties desire to enter into this Agreement to provide the
Officer with security in the event of a change of control of the Corporation or
the Bank to ensure the continued loyalty of the Officer during any change of
control in order to maximize shareholder value as well as the continued safe and
sound operation of the Company.

      WHEREAS, the Officer, the Company acknowledge and agree that this
Agreement is not an employment agreement but is limited to circumstances giving
rise to a change of control of the Corporation or the Bank as set forth herein.

      NOW, THEREFORE, for and in consideration of the premises and mutual
promises, covenants, and conditions hereinafter set forth, and other good and
valuable consideration, the receipt and sufficiency of which hereby are
acknowledged, the parties hereby do agree as follows:

      1.    Term. The initial term of this Agreement shall be for the period
            commencing upon the effective date of this Agreement and ending
            THREE (3) calendar years from the effective date of this Agreement.
            At each anniversary date of this Agreement, the term automatically
            shall be extended for an additional THREE (3) calendar years on the
            same terms and conditions set forth herein, unless the Company shall
            give written

                                       1
<PAGE>

            notice to the Officer of its intention not to extend this Agreement
            for an additional THREE (3) calendar years, which notice shall be
            given at least thirteen (13) months prior to the next anniversary
            date.

      2.    Change of Control.

            (a) In the event of a termination of the Officer's employment in
            connection with, or within THIRTY-SIX (36) months after, a "Change
            of Control" (as defined in Subparagraph (e) below) of the
            Corporation or the Bank, for reasons other than for "cause" (as
            defined in Subparagraph (b) below), the Officer shall be entitled to
            receive the sum set forth in Subparagraph (d) below. Said sum shall
            be payable as provided in Subparagraph (f) below, provided, however,
            that the Officer is employed on a full-time basis by the Bank at the
            effective time of the "Change of Control", except as provided in
            Subparagraph (j) below.

            (b) For purposes of this Agreement, termination "for cause" shall
            mean (a) any dishonest, illegal or other act of moral turpitude
            (such as theft, fraud or embezzlement) by the Officer which is
            materially detrimental to the interest and well-being of the
            Company, (b) the conviction of a felony, (c) the unreasonable
            failure or refusal of the Officer to perform to the best of his
            ability on a reasonable basis his duties hereunder, or (d) any
            violation by the Officer of any state or federal law, rule or
            regulation relating to banking, financial institutions or securities
            laws, the violation of which would be materially detrimental to the
            interest and well-being of the Company.

            (c) The Officer shall have the right to terminate this Agreement
            upon the occurrence of any of the following events (the "Termination
            Events") within THIRTY-SIX (36) months following a Change of Control
            of the Company or the Bank:

                  (i)   Officer is assigned any duties and/or responsibilities
                        that are inconsistent with his duties or
                        responsibilities at the time of the Change of Control;

                  (ii)  Officer's annual base salary is reduced below the amount
                        in effect as of the effective date of a Change of
                        Control;

                  (iii) Officer's life insurance, medical or hospitalization
                        insurance, disability insurance, stock option plans,
                        stock purchase plans, deferred compensation plans,
                        management retention plans, retirement plans, or similar
                        plans or benefits being provided by the Company to the
                        Officer as of the effective date of the Change of
                        Control are reduced in their level, scope, or coverage,
                        or any such insurance, plans, or benefits are
                        eliminated, unless such reduction or elimination applies
                        proportionately to all salaried employees of the Company
                        who participated in such benefits prior to such Change
                        of Control; or

                  (iv)  Officer is required to transfer performance of his
                        day-to-day services required hereunder to a location
                        which is more than fifty (50) miles from the Officer's
                        current principal work location, without the Officer's
                        express written consent.

                  A Termination Event shall be deemed to have occurred on the
                  date such action or event is implemented or takes effect.

                                       2
<PAGE>

            (d) In the event that the Officer terminates this Agreement pursuant
            to this Paragraph 2, the Company will be obligated (1) to pay or
            cause to be paid to the Officer an amount equal to THREE (3) times
            the Officer's then current salary plus (ii) the average of the cash
            bonus incentive paid to the Officer by the Company under the
            Company's bonus incentive plan during the immediately preceding
            three (3) years, and (2) to continue for a period of THREE (3) years
            after such termination all benefits the Officer was receiving and
            entitled to at such termination date under the Company's benefit
            programs and plans, including, but not limited to, vacation,
            personal leave, participation and vesting in incentive stock option
            plans, participation and vesting in profit sharing and supplemental
            retirement benefit plans, medical, disability, life and accident
            insurance coverage and reasonable costs of continuing education and
            other fees associated with the maintenance and renewal of
            professional licenses (all said benefits being hereinafter referred
            to as the "Fringe Benefits"). The Officer, in his sole discretion,
            may elect to receive the cash dollar equivalent of such benefits.

            (e) For the purposes of this Agreement, the term Change of Control
            shall mean any of the following events:

                  (i)   After the effective date of this Agreement, any "person"
                        (as such term is defined Section 7(j)(8)(A) of the
                        Change in Bank Control Act of 1978), directly or
                        indirectly, acquires beneficial ownership of voting
                        stock, or acquires irrevocable proxies or any
                        combination of voting stock and irrevocable proxies,
                        representing fifty percent (50%) or more of any class of
                        voting securities of the Corporation or the Bank, or
                        acquires control of in any manner the election of a
                        majority of the directors of the Corporation or the
                        Bank;

                  (ii)  The Corporation or the Bank consolidates or merges with
                        or into another corporation, association, or entity, or
                        is otherwise reorganized, where the Corporation or the
                        Bank is not the surviving corporation in such
                        transaction and the holders of the voting securities of
                        the Corporation or the Bank immediately prior to such
                        acquisition own less than a majority of the voting
                        securities of the surviving entity immediately after the
                        transaction; or

                  (iii) All or substantially all of the assets of the
                        Corporation or the Bank are sold or otherwise
                        transferred to or are acquired by any other corporation,
                        association, or other person, entity, or group.

                  Notwithstanding the other provisions of this Paragraph 2, a
                  transaction or event shall not be considered a Change of
                  Control if, prior to the consummation or occurrence of such
                  transaction or event, the Officer and the Company agree in
                  writing that the same shall not be treated as a Change of
                  Control for purposes of this Agreement.

            (f)   Amounts payable pursuant to this Paragraph 2 shall be paid, at
                  the option of the Officer, either in one lump sum or in
                  THIRTY-SIX (36) equal monthly payments.

            (g)   Following a Termination Event which gives rise to the
                  Officer's rights hereunder, the Officer shall have THREE (3)
                  years from the date of occurrence of the Termination Event to
                  terminate this Agreement pursuant to this Paragraph 2. Any

                                       3
<PAGE>

                  such termination shall be deemed to have occurred only upon
                  delivery to the Corporation or Bank, or any successors
                  thereto, of written notice of termination, which describes the
                  Change of Control and Termination Event. If the Officer does
                  not so terminate this Agreement within such THREE (3) year
                  period, the Officer shall thereafter have no further rights
                  hereunder with respect to that Termination Event, but shall
                  retain rights, if any, hereunder with respect to any other
                  Termination Event as to which such period has not expired.

            (h)   It is the intent of the parties hereto that all payments made
                  pursuant to this Agreement be deductible by the Corporation or
                  the Bank for federal income tax purposes and not result in the
                  imposition of an excise tax on the Officer. Notwithstanding
                  anything contained in this Agreement to the contrary, any
                  payments to be made to or for the benefit of the Officer which
                  are deemed to be "parachute payments" as that term is defined
                  in Section 280G(b)(2) of the Internal Revenue Code, as amended
                  (the "Code"), shall be modified or reduced to the extent
                  deemed to be necessary by the Company's Board of Directors to
                  avoid the imposition of an excise tax on the Officer under
                  Section 4999 of the Code or the disallowance of a deduction to
                  the Company under Section 280G(a) of the Code.

            (i)   In the event any dispute shall arise between the Officer and
                  the Company as to the terms or interpretation of this
                  Agreement, including this Paragraph 2, whether instituted by
                  formal legal proceedings or otherwise, including any action
                  taken by the Officer to enforce the terms of this Paragraph 2
                  or in defending against any action taken by the Corporation or
                  the Bank, the Bank shall reimburse the Officer for all costs
                  and expenses, proceedings or actions, in the event the Officer
                  prevails in any such action.

            (j)   It is further agreed that the payment agreed in this Paragraph
                  2 to be paid by the Company to the Officer shall be due and
                  paid to the Officer should a Change of Control (as defined
                  above) be agreed to by the Corporation or the Bank or be
                  consummated within six (6) months of the Officer's involuntary
                  termination of employment with the Corporation or the Bank for
                  reasons other than for "cause" as such term is defined in
                  Subparagraph 2(b) hereof.

      3.    Successors and Assigns. This Agreement shall inure to the benefit of
            and be binding upon any corporate or other successor of the
            Corporation or the Bank, which shall acquire, directly or
            indirectly, by conversion, merger, consolidation, purchase, or
            otherwise, all or substantially all of the assets of the Corporation
            or the Bank.

      4.    Modification; Waiver; Amendments. No provision of this Agreement may
            be modified, waived or discharged unless such waiver, modification
            or discharge is agreed to in writing and signed by the Officer, the
            Company, except as herein otherwise provided. No waiver by any party
            hereto, at any time, of any breach by any party hereto, or
            compliance with, any condition or provision of this Agreement to be
            performed by such party shall be deemed a waiver of similar or
            dissimilar provisions or conditions at the same or at any prior or
            subsequent time. No amendments or additions to this Agreement shall
            be binding unless in writing and signed by the parties, except as
            herein otherwise provided.

      5.    Applicable Law. This Agreement shall be governed in all respects
            whether as to validity, construction, capacity, performance, or
            otherwise, by the laws of North Carolina, except to the extent that
            federal law shall be deemed to apply.

                                       4
<PAGE>

      6.    Severability. The provisions of this Agreement shall be deemed
            severable and the invalidity or unenforceability of any provision
            hereof shall not affect the validity or enforceability of the other
            provision hereof.

      IN TESTIMONY WHEREOF, the Company have caused this Agreement to be
executed under seal and in such form as to be binding, all by authority of their
Board(s) of Directors first duly given, and the individual party hereto has set
said party's hand hereto and has adopted as said party's seal the typewritten
word "SEAL" appearing beside said party's name, this the day and year first
above written.

(Corporate Seal)                        BANK:
[Bank of Granite
corporate seal here]
ATTEST:                                 Bank of Granite

By: /s/ Charles M. Snipes               By: /s/ John A. Forlines, Jr.
    --------------------------------        ------------------------------------
       Charles M. Snipes                    John A. Forlines, Jr.
       President and Chief Executive        Chairman
       Officer

(Corporate Seal)                        CORPORATION:
[Bank of Granite Corporation
corporate seal here]
ATTEST:                                 Bank of Granite Corporation

By: /s/ Charles M. Snipes               By: /s/ John A. Forlines, Jr.
    --------------------------------        ------------------------------------
       Charles M. Snipes                    John A. Forlines, Jr.
       President                            Chairman and Chief Executive Officer

                                        OFFICER:

                                        /s/ Kirby A. Tyndall
                                        ----------------------------------------
                                        Kirby A. Tyndall

                                       5

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