Document:

KELLER WILLIAMS REALTY

                      LOT/LAND PURCHASE AND SALE AGREEMENT

                          DATE:    FEBRUARY 22, 2002
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1.   PURCHASE AND SALE.  The undersigned buyer ("Buyer") agrees to buy and the
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     undersigned  seller  ("Seller")  agrees to sell all that tract or parcel of
     land,  with such improvements as are located thereon, described as follows:
     All that tract of land lying and being in Land Lot 748 of the 1 District, 2
                                                       -----      ---         --
     Section  of  FULTON  County,  Georgia,  and being known as Address 2320 OLD
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     MILTON  PARKWAY,  City  of  ALPHARETTA,  Zip  Code  30004, according to the
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     present  system of numbering in and around this area, and as shown on plat,
     being  2.1  acres,  plus  or minus, labeled "Exhibit C" attached hereto and
     made  a  part  hereof  by  reference.

2.   PURCHASE  PRICE.  Buyer  warrants  that  Buyer will have sufficient cash at
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     closing,  which  when combined with the loan(s), if any, referenced herein,
     will  allow  Buyer to complete the purchase of the Property. Buyer does not
     need to sell or lease other real property in order to complete the purchase
     of  the Property. The purchase price of the Property to be paid by Buyer at
     closing is: [Select one. The other is not a part of this Agreement]:
     A. ONE MILLION FOUR HUNDRED THOUSAND & 0/100  U.S. Dollars,  $1,400,000.00.
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                                       OR

     B. [ ] shall  have  a  survey  made of the Property by a registered Georgia
     Surveyor,  if  said survey is not mutually acceptable, the parties agree to
     resolve  that  issues  in  accordance  with  the  provisions of the "Survey
     Resolution  Exhibit"  attached and made a part hereof by reference thereto.
     The  total  purchase  price  shall  be  determined by multiplying the total
     number  of acres, to the nearest one one-hundredth of an acre determined by
     survey,  by  $  N/A                                              per  acre.
                   --------------------------------------------------

3.   METHOD  OF PAYMENT. The purchase price of the Property shall be paid by the
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     buyer at closing subject to the following: [Select sections A, B, C, and/or
     D  below.  The  sections  not  marked  are  not  a part of this Agreement]:
     [X]  A.   ALL  CASH  AT  CLOSING:  At closing, Buyer shall pay the purchase
               price to Seller in cash, or its equivalent. Buyer's obligation to
               close  shall  not  be  contingent  upon Buyer's ability to obtain
               financing.  Buyer  shall  pay  all  closing  costs.
     [_]  B.   LOAN  TO  BE  ASSUMED,  see  Exhibit  "N/A  ."
                                                   --------
     [_]  C.   NEW  LOAN TO BE OBTAINED: This Agreement is made conditioned upon
               Buyer's  ability  to  obtain a loan (except if the loan is denied
               because of Buyer's lack of sufficient cash to close excluding the
               amount  of  the  loan and/or because Buyer has not sold or leased
               other  real  property)  in  the  principal amount of N/A % of the
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               purchase  price listed above, with an interest rate at par of not
               more than N/A % per annum on the unpaid balance, to be secured by
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               a  first  lien security deed on the Property; the loan to be paid
               in  consecutive  monthly  installments  of principal and interest
               over  a  term  of not less than N/A years. "Ability to obtain" as
                                              -----
               used  herein  means  that  Buyer is qualified to receive the loan
               described  herein  based  upon  lender's  customary  and standard
               underwriting  criteria.  The  loan  shall be of the type selected
               below:  [The  sections  not  marked  are  not  a  part  of  this
               Agreement.]
               (1)  LOAN  TYPE:  [_]  CONVENTIONAL; [_]  FHA  (see  attached
               exhibit);[_]  VA (see  attached exhibit); [_] OTHER (see attached
               exhibit)
               (2)  RATE TYPE: [_] FIXED RATE MORTGAGE LOAN; [_] ADJUSTABLE RATE
               MORTGAGE  ("ARM")  LOAN;
               (3)  CLOSING COSTS AND DISCOUNT POINTS: At closing, N/A shall pay
                                                                  -----
               a sum not to exceed $ N/A to be used at Buyer's discretion to pay
                                    -----
               for  closing costs, loan discount points, survey costs, insurance
               relating  to the property or loan and if allowed by lender, other
               cost  to  close,  including escrow and prepaid items. Buyer shall
               pay  any  additional  fees,  costs, insurance premiums, or escrow
               amounts to fulfill lender requirements or to otherwise close this
               transaction.
               (4)  LOAN OBLIGATIONS: Buyers agrees to: (a) make application for
               the loan within N/A   (N/A) days from the Binding Agreement Date;
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               (b)  immediately notify Seller of having applied for the loan and
               the  name  of  the  lender;  and (c) pursue qualification for and
               approval  of  the loan diligently and in good faith. Should Buyer
               not timely apply for the loan, Seller may terminate the Agreement
               if  Buyer  does  not within five (5) days after receiving written
               notice  thereof cure the default by providing Seller with written
               evidence of loan application. Buyer agrees that a loan with terms
               consistent  with  those  described herein shall satisfy this loan
               contingency. Buyer may also apply for a loan with different terms
               and conditions and close the transaction provided all other terms
               and  conditions of this Agreement are fulfilled, and the new loan
               does not increase the costs charged to the Seller. Buyer shall be
               obligated  to  close this transaction if Buyer has the ability to
               obtain  a  loan  with  terms as described herein and/or any other
               loan  for  which  Buyer  has  applied  and  been  approved.

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     [_]  D.   SECOND  LOAN  TO  BE  OBTAINED,  see  Exhibit  "  N/A  ."
                                                               -------

4.   EARNEST  MONEY. Buyer has paid to KELLER WILLIAMS REALTY ("Holder") earnest
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     money  of  $ 25,000.00 check,  OR  $  N/A  cash, which has been received by
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     Holder.  The  earnest  money  shall  be  deposited in Holder's escrow/trust
     account  (with  Holder  retaining  the  interest if the account is interest
     bearing)  within  five (5) banking days from the Binding Agreement Date and
     shall  be  applied toward the purchase price of the Property at the time of
     closing.  In  the  event  any  earnest  money check is not honored, for any
     reason,  by  the  bank upon which it is drawn, Holder shall promptly notify
     Buyer  and  Seller.  Buyer  shall have three (3) banking days thereafter to
     deliver  good  funds  to Holder. In the event Buyer does not timely deliver
     good  funds,  the  Seller  shall have the right to terminate this Agreement
     upon  written notice to the Buyer. Holder shall disburse earnest money only
     as  follows:  (a)  upon  the failure of the parties to enter into a binding
     agreement; (b) at closing; (c) upon written agreement signed by all parties
     having  an  interest  in the funds; (d) upon order of a court or arbitrator
     having  jurisdiction  over  any dispute involving the earnest money; or (e)
     upon  a  reasonable  interpretation  of  this Agreement by Holder. Prior to
     disbursing  earnest  money  pursuant to a reasonable interpretation of this
     Agreement,  Holder  shall  give  all  parties  fifteen  (15) days notice by
     certified  mail  (to  each party's last known address), stating to whom the
     disbursement  will  be  made.  Any  party  may  object  in  writing  to the
     disbursement, provided the objection is received by Holder prior to the end
     of  the  fifteen  (15)-day  notice  period.  All objections not raised in a
     timely  manner  shall  be  waived. In the event a timely objection is made,
     Holder  shall  consider  the objection and shall do any or a combination of
     the  following:  (1) hold the earnest money for a reasonable period of time
     to give the parties an opportunity to resolve the dispute; (2) disburse the
     earnest  money and so notify all parties; and/or (3) interplead the earnest
     money  into  a  court of competent jurisdiction. Holder shall be reimbursed
     for  and  may  deduct  from  any funds interpleaded its costs and expenses,
     including  reasonable  attorneys'  fees.  The  prevailing  party  in  the
     interpleader  action  shall be entitled to collect from the other party the
     costs  and  expenses reimbursed to Holder. No party shall seek damages from
     Holder (nor shall Holder be liable for the same) for any matter arising out
     of  or  related  to  the  performance of Holder's duties under this earnest
     money  paragraph.  If  Buyer  breaches  Buyer's  obligations  or warranties
     herein,  Holder  may  pay  the  earnest  money to Seller by check, which if
     accepted  and  deposited  by  Seller shall constitute liquidated damages in
     full  settlement  of  all  claims  to  Seller.

5.   CLOSING  AND  POSSESSION.
     ------------------------
     A.  PROPERTY CONDITION: Seller warrants that at the time of closing or upon
     the granting of possession if at a time other than at closing, the Property
     will  be  in the same condition as it was on Binding Agreement Date, normal
     wear  and  tear  expected.  Seller shall deliver Property clean and free of
     debris at time of possession. If the Property is destroyed or substantially
     damaged  prior to closing, Seller shall promptly notify Buyer of the amount
     of insurance proceeds available to repair the damage and whether the Seller
     will  complete repairs prior to closing. Buyer may terminate this Agreement
     not  later than five (5) days after receiving such notice by giving written
     notice  to  Seller. If Buyer does not terminate this Agreement, Buyer shall
     receive  at  closing such insurance proceeds as are paid on the claim which
     are  not  spent  to  repair  the  damage.
     B. TAXES: Real estate taxes on said Property for the calendar year in which
     the  sale  is  closed  shall  be prorated as of the date of closing. Seller
     shall  pay  State  of  Georgia  property  transfer  tax.
     C.  CLOSING DATE AND POSSESSION: This transaction shall be closed on AUGUST
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     30,  2002,  or  on  such  other  date as may be agreed to by the parties in
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     writing,  provided,  however, that: (1) the loan described herein is unable
     to  be  closed on or before said date; or (2) Seller fails to satisfy valid
     title  objections,  Buyer or Seller may by notice to the other party (which
     notice  must  be  received  on  or  before  the  closing  date) extend this
     Agreement's closing date up to seven (7) days from the above-stated closing
     date.  Buyer  agrees  to  allow Seller to retain possession of the Property
     until  and  through  closing  or  until N/A ,  whichever  is  later.
                                            -----
     D.  WARRANTIES  TRANSFER:  Seller  agrees to transfer to Buyer, at closing,
     subject  to  Buyer's  acceptance  thereof,  Seller's  interest  in  any
     manufacturer's  warranties,  service  contracts,  termite bond or treatment
     guarantee  and/or  other  similar  warranties  which  by their terms may be
     transferable  to  Buyer.
     E.  PRORATIONS: Seller and Buyer agree to prorate all utility bills between
     themselves,  as  of  the  date  of closing (or the day of possession of the
     Property  by  the  Buyer,  whichever  is  the later) which are issued after
     closing  and  include  service  for  any  period  of  time the Property was
     owned/occupied  by  Seller  or  any  other  person  prior  to  Buyer.
     F.  CLOSING CERTIFICATIONS: Buyer and Seller shall execute and deliver such
     certification,  affidavits,  and  statements  as are required at closing to
     meet  the  requirements  of  the  lender  and  of  federal  and  state law.

6.  [DELETED  FROM  ORIGINAL]

7.   TITLE.
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     A.  WARRANTY.  Seller  warrants  that  at  the time of closing, Seller will
     convey good and marketable title to said Property by limited warranty deed,
     subject  only  to:  (1)  zoning;  (2)  general utility, sewer, and drainage
     easements  of  record on the Acceptable Date upon which the improvements do
     not  encroach;  (3) subdivision and/or condominium declarations, covenants,
     restrictions,  and  easements  or  record  on  the Acceptance Date; and (4)
     leases  and other encumbrances specified in this Agreement. Buyer agrees to
     assume Seller's responsibilities in any leases specified in this Agreement.

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<PAGE>
     B.  EXAMINATION.  Buyer  may,  prior  to the end of the 120 day Feasibility
     Study Period set forth in Special Stipulations, Exhibit "A" hereof, examine
     title  and  furnish Seller with a written statement of objections affecting
     the marketability of said title. Thereafter, Purchaser shall have until the
     closing  date  in  which to reexamine title to the property and in which to
     give  Seller  written notice of any additional objections of any subsequent
     matters  arising  since  the  initial  title  examination disclosed by such
     reexamination  . If Seller fails to satisfy valid title objections prior to
     closing  or  any  extension thereof, then Buyer may terminate the Agreement
     upon written notice to Seller. In which case Buyer's earnest money shall be
     returned. Good and marketable title as used herein shall mean title which a
     title  insurance  company licensed to do business in Georgia will insure at
     its  regular  rates,  subject  only  to  standard  exceptions.
     C.  SURVEY.  Any survey of the Property attached hereto by agreement of the
     parties  prior  to  the  Binding  Agreement  Date  shall  be a part of this
     Agreement.  Buyer  shall  have  the  right to terminate this Agreement upon
     written  notice  to Seller if a new survey performed by a surveyor licensed
     in  Georgia  is  obtained  which  is materially different from any attached
     survey  with  respect  to the Property, in which case Buyer's earnest money
     shall  be  returned.  The  term  "materially different" is specifically set
     forth  in  Item  2,  Special  Stipulations hereof. Matters revealed in said
     survey  shall  not  relieve  the  warranty  of  title obligations of Seller
     referenced above. Seller shall provide at closing a quit claim deed for any
     property shown on survey which is not included in full legal description of
     the  property  on  record  in  the  office  of the Superior Court of Fulton
     County.

8.   INSPECTION.  Buyer  and/or  Buyer's representatives shall have the right to
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     enter  the  Property  at Buyer's expense and at reasonable times (including
     immediately  prior  to  closing)  to thoroughly inspect, examine, test, and
     survey the Property. Seller shall cause all utility services, if any, to be
     operational  so  that  Buyer  may  complete  all  inspections  under  this
     Agreement.  The  Buyer  agrees  to hold the Seller and all Brokers harmless
     from  all  claims,  injuries,  and damages arising out of or related to the
     exercise  of  these rights. [Select section A. or B. below. The section not
     marked  shall  not  be  a  part  of  this  Agreement.]

     [X]  A. INSPECTION PROCEDURE. Buyer shall have the right and responsibility
          to  review  and inspect all aspects of the Property in accordance with
          the  attached  "Lot/Land Special Stipulations Exhibit" which is made a
          part  hereof.

                                       OR

     [_]  B. PROPERTY SOLD "AS IS". All parties agree that the Property is being
          sold "as is", with all faults. The Seller shall have no obligation for
          repairs  or  replacements  noted  in  any inspection(s) made by or for
          Buyer,  except  as  may  be otherwise required herein. Such repairs or
          replacements  shall  be  the  sole  responsibility  of  Buyer.

9.   OTHER PROVISIONS.
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     A.  BINDING  EFFECT,  ENTIRE  AGREEMENT,  MODIFICATION,  ASSIGNMENT:  This
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     Agreement  shall  be  for  the  benefit  of, and be binding upon, Buyer and
     Seller,  their  heirs,  successors,  legal  representatives  and  permitted
     assigns.  This  Agreement constitutes the sole and entire agreement between
     the  parties  hereto  and  no  modification or assignment of this Agreement
     shall  be  binding  unless  signed  by  all  parties  to this Agreement. No
     representation, promise, or inducement not included in this Agreement shall
     be  binding upon any party hereto. Any assignee shall fulfill all the terms
     and  conditions  of  this  Agreement.
     B.  SURVIVAL  OF AGREEMENT: All conditions or stipulations not fulfilled at
         ----------------------
     time of closing shall survive the closing until such time as the conditions
     or stipulations are fulfilled. Seller representations and warranties do not
     survive  closing  and  are  merged  into  deed  of  conveyance.
     C. GOVERNING LAW: This Agreement is intended as a contract for the purchase
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     and  sale  of real property and shall be interpreted in accordance with the
     laws  of  the  State  of  Georgia.
     D.  TIME  OF  ESSENCE:  Time  is  of  the  essence  of  this  Agreement.
         -----------------
     E.  TERMINOLOGY:  As  the  context  may  require in this Agreement: (1) the
         -----------
     singular  shall  mean the plural and vice versa, and (2) all pronouns shall
     mean  and  include  the  person, entity, firm, or corporation to which they
     relate.
     F.  RESPONSIBILITY  TO  COOPERATE:  All  parties  agree to timely take such
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     action  and  produce,  execute,  and/or  deliver  such  information  and
     documentation  as is reasonably necessary to carry out the responsibilities
     and  obligations  of  this  Agreement.
     G.  NOTICES:  Except  as  otherwise provided herein, all notices, including
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     demands, required or permitted hereunder shall be in writing and delivered:
     (1)  in  person;  (2)  by  an  overnight  delivery service, prepaid; (3) by
     facsimile  transmission  (FAX); or (4) by the United States Postal Service,
     postage  prepaid,  registered or certified return receipt requested. Notice
     shall  be  deemed to have been given as of the date and time it is actually
     received.  Notwithstanding the above, notice by FAX shall be deemed to have
     been  given  as  of the date and time it is transmitted. If the sending FAX
     produces a written confirmation with the date, time and telephone number to
     which  the  notice was sent. Receipt of notice by the Broker representing a
     party  as  a  client  shall  be  deemed  to be notice to that party for all
     purposes  herein  except  in  transactions  where  the Broker is practicing
     designated  agency, in which case, receipt of notice only by the designated
     agent  representing  a  party  as  a client shall be required to constitute
     notice  to  that  party.

10.  DISCLAIMER.  Buyer and Seller acknowledge that they have not relied upon
     ----------
     any  advice,  representations  or statements of Brokers and waive and shall
     not  assert any claims against Brokers involving the same. Buyer and Seller
     agree  that  Brokers shall not be

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<PAGE>
     responsible  to  advise  Buyer  and Seller on any matter, including but not
     limited to the following: any matter which could have been revealed through
     a  survey, title search or inspection of the Property; the condition of the
     Property;  any  portion thereof, or any item therein; building products and
     construction  techniques;  the  necessity  or  cost  of  any repairs to the
     Property;  hazardous or toxic materials; termites and other wood destroying
     organisms;  the  tax  or  legal  consequences  of  this  transaction;  the
     availability and cost of utilities or community amenities; the appraised or
     future  value  of  the Property; any condition(s) existing off the Property
     which  may  affect  the Property; the terms, conditions and availability of
     financing;  and  the  uses  and zoning of the Property whether permitted or
     proposed.  Buyer and Seller acknowledge that Brokers are not experts to the
     above matters and that, if any of these matters or any other matters are of
     concern  to  them,  they  shall  seek  independent  expert  advice relative
     thereto.  Buyer  further  acknowledges that in every neighborhood there are
     conditions  which  different  buyers  may  find  objectionable. Buyer shall
     therefore  be  responsible to become fully acquainted with neighborhood and
     other  off  site  conditions  which  could  affect  the  Property.

11.  AGENCY  AND  BROKERAGE.
     ----------------------
     A.  AGENCY.
         ------
     1.  In this Agreement, the term "Broker" shall mean a licensed Georgia real
     estate  broker  or  brokerage firm and where the context would indicate the
     broker's  affiliated licensees. No Broker in this transaction shall owe any
     duty  to  Buyer or Seller greater than what is set forth in their brokerage
     engagements  and  the  Brokerage  Relationships in Real Estate Transactions
     Act,  O.C.G.A.  Sec.  10-6A-1  et.  seq.
     2.  Seller  and  Buyer  acknowledge  that  if they are not represented by a
     Broker they are each solely responsible for protecting their own interests,
     and  that  Broker's role is limited to performing ministerial acts for that
     party.
     3.  The  Broker, if any, working with Seller is identified on the signature
     page  as  the  "Listing  Broker";  and  said  Broker is [X], OR, is not [_]
     representing  the  Seller;
     4.  The  Broker,  if  any,  working  with  the  Buyer  is identified on the
     signature  page as the "Selling Broker", and said Broker is [X], OR, is not
     [_]  representing  the  Buyer;  and
     5.  If  Buyer  and  Seller are both being represented by the same Broker, a
     relationship  of  either  designated agency [_] , OR, dual agency [_] shall
     exist.
     (a)  DUAL  AGENCY  DISCLOSURE.  [Applicable  only  if  dual agency has been
     selected  above] Seller and Buyer are aware that Broker is acting as a dual
     agent  in  this  transaction and consent to the same. Seller and Buyer have
     been  advised  that:
     (1) In serving as a dual agent the Broker is representing two clients whose
     interests  are  or  at  times  could  be  different  or  even  adverse;
     (2)  The  Broker  will disclose all adverse, material facts relevant to the
     transaction  and  actually  known  to  the dual agent to all parties in the
     transaction  except  for  information  made  confidential  by  request  or
     instructions  from  another  client  which  is not otherwise required to be
     disclosed  by  law;
     (3)  The  Buyer  and  Seller  do  not  have  to consent to dual agency; and
     (4)  The  consent  of  the  Buyer  and Seller to dual agency has been given
     voluntarily  and  the  parties  have  read  and  understood their brokerage
     engagement  agreements.
     (5)  MATERIAL  RELATIONSHIP  DISCLOSURE.  The  Broker  and/or  affiliated
     licensees  have  no  material  relationship  with  either  client except as
     follows:  N/A                                                             .
             ------------------------------------------------------------------
     (A  material  relationship means one actually known to a personal, familial
     or business nature between the Broker and affiliated licensees and a client
     which  would  impair  their  ability  to exercise fair judgment relative to
     another  client.)
     (6)  Notwithstanding any provision to the contrary contained herein, Seller
     and  Buyer each hereby direct Broker, while acting as a dual agent, to keep
     confidential  and not reveal to the other party any information which could
     materially  and  adversely  affect  their  negotiating  position.
     (b) DESIGNATED AGENCY ASSIGNMENT. [Applicable only if the designated agency
     has  been  selected  above] The Broker has assigned N/A to work exclusively
                                                        -----
     with  Buyer  as  Buyer's  Designated Agent and N/A to work exclusively with
                                                   -----
     Seller  as Seller Designated Agent. Each Designated Agent shall exclusively
     represent  the  party  to whom each has been assigned as a client and shall
     not  represent  in  this  transaction  the  client  assigned  to  the other
     Designated  Agent.
     B.  BROKERAGE.  The  Broker(s)  identified  herein  have performed valuable
         ---------
     brokerage  services  and are to be paid a commission pursuant to a separate
     agreement  or agreements. Unless otherwise provided for herein, the Listing
     Broker will be paid a commission by the Seller, and the Selling Broker will
     receive  a  portion  of  the  Listing  Broker's  commission  pursuant  to a
     cooperative  brokerage  agreement.  The closing attorney is directed to pay
     the commission of the Broker(s) at closing out of the proceeds of the sale.
     If the sale proceeds are insufficient to pay the full commission, the party
     owing  the  commission  will pay any shortfall at closing. If more than one
     Broker  is involved in the transaction, the closing attorney is directed to
     pay  each  Broker their respective portion of said commission. In the event
     the  sale  is  not  closed  because  of  Buyer's and/or Seller's failure or
     refusal  to  perform  any  of  their obligations herein, the non-performing
     party shall immediately pay the Broker(s) the full commission the Broker(s)
     would have received had the sale closed, and the Selling Broker and Listing
     Broker  may  jointly  or  independently pursue the non-performing party for
     their  portion  of  the  commission.

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<PAGE>
12.  TIME  LIMIT  OF  OFFER.  This instrument shall be open for acceptance until
     ----------------------
     6:00  o'clock  P.M.  on  the  22ND  day  of  FEBRUARY  ,  2002  .
     ------       ---            --------       ------------ --------

13.  EXHIBITS  AND ADDENDA. All exhibits and/or addenda hereto, listed below, or
     ---------------------
     referenced herein are made a part of this Agreement. If any such exhibit or
     addendum  conflicts  with any preceding paragraph, said exhibit or addendum
     shall  control:

SPECIAL  STIPULATIONS:  The  following Special Stipulations, if conflicting with
any  preceding  paragraph,  shall  control.

1.   CONTRACT  CONTINGENCIES  OF  THIS AGREEMENT IS CONTINGENT UNTIL THE DATE OF
     CLOSING  FOR  THE  FOLLOWING:
     a.  AVAILABILITY  OF  SEWER  FOR  THE  PROPERTY. THE PURCHASER MUST RECEIVE
     NOTICE  OF  RECEIPT  OF  THE  SEWER  PERMIT IN WRITING FROM THE APPROPRIATE
     GOVERNMENT  AGENCIES,  OR  APPROVAL BY FULTON COUNTY FOR A TEMPORARY SEPTIC
     TANK  TO  SERVICE  PROPERTY.
     b. OBTAINING BANK CHARTER. THE PURCHASER MUST RECEIVE NOTICE OF APPROVAL OF
     THE  BANK  CHARTER  IN  WRITING FROM THE APPROPRIATE GOVERNMENTAL AGENCIES.
     c.  SEWER  PERMIT. PURCHASER SHALL DILIGENTLY PURSUE THE OBTAINING OF SEWER
     PERMIT  FROM  THE  APPROPRIATE  GOVERNMENTAL  AGENCIES.

2.   IF  THE  SURVEY  USED  TO  CALCULATE  THE  PURCHASE  PRICE REVEALS THAT THE
PROPERTY  IS  LESS  THAN  1.9 ACRES, BUYER MAY WITHIN TEN DAYS OF RECEIPT OF THE
SURVEY  TERMINATE THIS AGREEMENT BY PROVIDING WRITTEN NOTICE TO SELLER, IN WHICH
CASE  ALL  EARNEST MONEY SHALL BE PROMPTLY REFUNDED TO BUYER.  IF BUYER FAILS TO
TIMELY  EXERCISE  THIS  TERMINATION  RIGHT,  IT  SHALL  BE  DEEMED  WAIVED.

3.   ALL  PARTIES  ARE  AWARE  THAT LOUIS TARATOOT AND PHIL BALDWIN ARE LICENSED
REAL  ESTATE AGENTS IN THE STATE OF GEORGIA AND ARE ACTING AS PRINCIPALS IN THIS
TRANSACTION.

4.   THERE  IS  NO  OPTION  TO  PURCHASE, RIGHT OF FIRST REFUSAL TO PURCHASE, OR
AGREEMENT  FOR  THE  SALE AND PURCHASE OF THE PROPERTY OR ANY PORTION THEREOF TO
ANY  PERSON  OR  ENTITY,  EXCEPT  FOR  THIS  AGREEMENT.

5.   SELLER AGREES  TO  PROMPTLY PROVIDE PURCHASER ON A CONTINUING BASIS THROUGH
THE  CLOSING,  INFORMATION  WITH RESPECT TO ANY MATERIAL CHANGES OR ADDITIONS TO
THE  INFORMATION,  DOCUMENTS  OR  SCHEDULES  DELIVERED  TO  PURCHASER.

[X]  (MARK  IF  ADDITIONAL  PAGES  ATTACHED.)

/S/  KELLER  WILLIAMS  REALTY      (  KWEC01  )
----------------------------        ----------
Selling  Broker                  MLS Office Code

By:  /S/  BRENDA  T.  BALDWIN
   -----------------------------------------------------------------------------
   Brokers  or  Broker's  Affiliated  Licensee

Print  or  Type  Name:  /S/  BRENDA  T.  BALDWIN
                      ----------------------------------------------------------

Bus.  Phone:  770-652-3708   FAX  #  770-606-0490
            ----------------       ------------------

Multiple  Listing  #:  N/A
                     -----------------------------------------------------------

TARATOOT  MANAGEMENT  COMPANY      (  NMLS01  )
----------------------------        ----------
Listing  Broker                   MLS Office Code

By:  /S/  LOUIS  TARATOOT
   -----------------------------------------------------------------------------
   Broker  or  Broker's  Affiliated  Licensee

Print  or  type  Name:  LOUIS  TARATOOT
                      ----------------------------------------------------------

Bus.  Phone:  770-399-5444   FAX  #  770-399-9398
            ----------------       ------------------

/S/  PHIL  BALDWIN,  PRESIDENT  AND  CEO
--------------------------------------------------------------------------------
Buyer's  Signature:                                         SS/FEI#

Print  or  Type  Name:  NEIGHBOR'S  BANCSHARES,  INC.
                      ----------------------------------------------------------

--------------------------------------------------------------------------------
Buyer's  Signature:                                         SS/FEI#

Print  or  Type  Name:  DULUTH  THOMPSON  ASSOCIATES
                      ----------------------------------------------------------

/S/  LOUIS  TARATOOT,  GENERAL  PARTNER
 -------------------------------------------------------------------------------
Seller's  Signature:                                        SS/FEI#

Print  or  Type  Name:   DULUTH  THOMPSON  ASSOCIATES
                      ----------------------------------------------------------

--------------------------------------------------------------------------------
Seller's  Signature:                                        SS/FEI#

Print  or  Type  Name:
                      ---------------------------------------------------------

                                        5
<PAGE>
ACCEPTANCE  DATE
----------------
The  above properties is hereby accepted , 10:00 o'clock A.M. on the 22ND day of
                                           -----         --          ----
FEBRUARY,   2002.
--------  ------

BINDING  AGREEMENT  DATE
------------------------
This instrument shall become a binding agreement on the date ("Binding Agreement
Date")  when  notice  of  the  acceptance of this Agreement has been received by
Offeror.  The  offeror  shall  promptly  notify offeree when acceptance has been
received.

                                        6
<PAGE>
                             KELLER WILLIAMS REALTY

                         SPECIAL STIPULATIONS (LOT/LAND)
                                  EXHIBIT "A"

                          DATE:      FEBRUARY 22, 2002
                               -----------------------

This  Exhibit  is part of the Agreement with an Offer Date of FEBRUARY 22 , 2002
                                                             ------------- -----
for the  purchase  and  sale of that certain Property known as : 2320 OLD MILTON
                                                                ----------------
PARKWAY  ,  ALPHARETTA,  Georgia  30004  .
--------- ------------          ---------

[SELECT  ANY  OR  ALL OF THE FOLLOWING STIPULATIONS.  UNSELECTED ITEMS ARE NOT A
PART  OF  THIS  AGREEMENT.]

    [X]   1.   FEASIBILITY  STUDY:  Buyer  shall  have  the  right to review all
               aspects  of  the  Property,  including,  without  limitation, all
               governmental,  environmental,  zoning,  soil  and utility service
               matters  related  thereto. If Buyer notifies Seller and Broker in
               writing  within 120 calendar days after this instrument becomes a
                              -----
               binding agreement that Buyer is not satisfied with the results of
               such  review,  then  this Agreement shall automatically terminate
               and  Broker  shall promptly refund the Earnest Money to Buyer. If
               Buyer  fails  to provide said notice, then this contingency shall
               be  deemed  to have been waived by Buyer. Seller acknowledges and
               agrees  that  Buyer and/or his agents and employees may have free
               access during normal business hours to visit the Property for the
               purpose  of: (1) inspection thereof; and (2) conducting such soil
               and  other  tests  thereon  as are deemed reasonably necessary by
               Buyer.  Buyer  hereby agrees to indemnify and hold Seller, Broker
               and  Broker's  Affiliated Licensees harmless from and against any
               and  all  loss,  injury, cost, or expense associated with Buyer's
               inspection  of  and  entry  upon  Property.

    [X]   2.   BUILDING  PERMIT:  This  Agreement  is  contingent  upon  Buyer's
               ability  to  acquire  all  required licenses and permits from the
               appropriate  governmental  authority to build on the Property. If
               Buyer  notifies  Seller  or Broker in writing within 180 calendar
                                                                   -----
               days after this instrument becomes a binding agreement that Buyer
               is  unable  to acquire all required licenses and permits from the
               appropriate governmental authority to build on the Property, then
               in  such  event  this Agreement shall automatically terminate and
               Broker shall promptly refund the Earnest Money to Buyer. If Buyer
               fails  to  provide  said  notice,  then this contingency shall be
               deemed  to  have  been  waived  by  Buyer.

    [X]   3.   PERCOLATION:  This  Agreement  is  contingent  upon  the  Buyer's
               ability  to  obtain  a  positive  percolation  test on the herein
               described  Property.  If  Buyer  notifies  Seller  and  Broker in
               writing  with  120  calendar days after this instrument becomes a
                            -------
               binding  agreement,  that  Buyer  is  unable to obtain a positive
               percolation  test,  this  Agreement shall automatically terminate
               and  Broker  shall promptly refund the Earnest Money to Buyer. If
               Buyer  fails  to provide said notice, then this contingency shall
               be  deemed  to  have  been  waived  by  Buyer.

    [ ]   4.   REZONING:  This  Agreement  is contingent upon the Property being
               rezoned  to N/A by the appropriate governmental authorities on or
                          -----
               before  N/A  , N/A , The be N/A shall be responsible for pursuing
                     ------- -----        -----
               such  rezoning,  and  paying  all  associated costs. All rezoning
               applications  shall  be submitted to Seller for Seller's approval
               prior  to  filing,  which  approval  shall  not  be  unreasonably
               withheld.  All  parties agree to cooperate, to sign the necessary
               documentation  and  to support the rezoning application. If Buyer
               notifies  Seller  or  Broker in writing within 48 hours after the
               above  date that the Property can not be so rezoned, then in such
               event  this  Agreement  shall  automatically terminate and Broker
               shall  promptly refund the Earnest Money to Buyer. If Buyer fails
               to  provide said notice, then this contingency shall be deemed to
               have  been  waived  by  Buyer.

    [ ]   5.   WELL  TEST:  Buyer  acknowledges  that  the Property is currently
               served by well water and the Buyer has not relied upon the advice
               or  representation,  if  any, of Broker (or anyone employed by or
               affiliated  with  Broker  as an independent contractor) regarding
               the suitability of said well water for drinking or any other use.
               Buyer  shall  have  the  duty  and  responsibility  of  ordering,
               supervising  and paying for any well water sample test that Buyer
               wants  performed  or that Buyer's lender requires to be performed
               prior  to  closing.  Buyer represents and warrants that Buyer has
               not  and  will  not  rely  upon Broker in selecting a laboratory,
               administering  the  test  or  delivering  a sample to the testing
               laboratory.  Buyer  agrees  to indemnify and hold Broker harmless
               from  any  claim,  loss, or expense relating to the well water or
               its  suitability  for  drinking  or  any  other  use.

    [ ]   6.   EARNEST  MONEY  HELD  BY  SELLER:  "EARNEST MONEY HELD BY SELLER"
               Exhibit  is  attached.

    [ ]   7.   LEGAL DESCRIPTION: The full legal description of said Property is
               attached  as  Exhibit  "____".

                                        1
<PAGE>
    [ ]   8.   ASSIGNMENT: This Agreement may be assigned or transferred and any
               assignee shall fulfill all terms and conditions of this Agreement
               provided,  however,  that this stipulation shall not apply when a
               loan  assumption  or  owner  financing  is  contemplated.

    [X]   9.   LIQUIDATED DAMAGES: Seller and Buyer acknowledge that it would be
               extremely  impractical  and  difficult  to  ascertain  the actual
               damages  that  would  be  suffered  by  Seller  if Buyer fails or
               refuses to consummate the purchase of the Property for any reason
               other  than Seller's inability, failure or refusal to perform any
               of  Seller's  covenants  herein  or  because  Buyer  never had an
               unconditional  obligation  to  close the purchase and sale on the
               closing  date  as  the result of one or more contingencies in the
               Agreement  not being fulfilled as of the closing date. Seller and
               Buyer  have  considered  carefully  the  loss  to  Seller  as  a
               consequence  of  the negotiation and execution of this Agreement;
               the  personal  expenses  Seller  incurred  in connection with the
               preparation  of  this  Agreement; Seller's performance hereunder;
               and  the  other  damages,  general  and special, which Seller and
               Buyer realize and recognize that Seller would sustain, but Seller
               cannot  calculate  with  absolute certainty. Based upon all those
               considerations,  Seller  and Buyer have agreed that the damage to
               Seller  would reasonably be expected to be equal to the amount of
               the  earnest  money.  Accordingly, if all conditions precedent to
               Buyer's  obligation  to  consummate  the purchase of the Property
               have  been  waived by Buyer or have been satisfied, and if Seller
               has  performed  Seller's  covenants hereunder, but Buyer fails or
               refuses to consummate the purchase of the Property by the closing
               date,  then  Seller shall be entitled to retain the earnest money
               as  full  and  complete  liquidated  damages  for such default of
               Buyer.  Such  retention of the earnest money is intended not as a
               penalty, but as full liquidated damages pursuant to O.C.G.A. Sec.
               13-6-7.  In  the event the transaction contemplated hereby is not
               closed  because of Seller's default, then the Earnest Money shall
               be  refunded  promptly  to  Purchaser and Purchase shall have the
               right,  as  Purchaser's  sole  remedy,  to  either terminate this
               Agreement  or  seek  specific performance of Seller's obligations
               hereunder,  Purchaser  hereby  waiving  all  other  rights  and
               remedies.

    [X]   10.  PROPERTY  DELIVERY CONDITION: Seller shall deliver Property clean
               and  free  of  debris  at  time  of  possession.

    [ ]   11.  INSPECTION:  "Inspection"  Exhibit  is  attached.

Selling Broker's Initials: /s/ B.B.        Buyer's  Initials:  /s/  D.B.
                          -----------                         ------------------
(or Broker's Affiliated Licensee)

Listing Broker's Initials:                 Seller's Initials:
                          -----------                         ------------------
(or Broker's Affiliated Licensee)

                                        2
<PAGE>
                             KELLER WILLIAMS REALTY

                        INSTRUCTIONS TO CLOSING ATTORNEY/
                        COMMISSION CONFIRMATION AGREEMENT
                                   EXHIBIT "B"

This  Commission  Confirmation  Agreement ("Agreement") is entered into the 22ND
                                                                           -----
day of FEBRUARY , 2002 and relates to that Purchase and Sale Agreement and/or an
      ---------- ------
offer  to  purchase  the  Property dated FEBRUARY 22, 2002 BY AND BETWEEN DULUTH
                                         -----------------                ------
THOMPSON  ASSOCIATES  ("Seller")  and  NEIGHBOR'S BANCSHARES, INC. ("Buyer") for
----------------------                ----------------------------
property  located  at 2320 OLD MILTON PARKWAY ALPHARETTA, GA 30004 ("Property").
                     ----------------------------------------------

1.   The  undersigned  Listing  Broker is to be paid a real estate commission by
     the  Seller  upon  the  closing  of  the  above  referenced  Agreement.

2.   Listing  Broker agrees to share its commission with the undersigned Selling
     broker  as  set  forth  below:

     Selling  Broker  shall  receive a commission of 5% of the purchase price of
                                                     --
     the  Property  or  $  N/A.
                         -----
     Listing  Broker  shall  receive a commission of 5% of the purchase price of
                                                     --
     the Property  or  $ N/A.
                        ----
3.   This Agreement is subject to the following terms and conditions:

     A.   This  Agreement  shall  control  over  and  supercede  any  previous
          agreements  entered  into  by  the  parties.
     B.   Listing  Broker  shall  have no obligation to the Selling Broker for a
          commission  if  the Purchaser and Sale Agreement referenced above does
          not  close.
     C.   Neither  broker  shall  have the authority to reduce, change or modify
          the  commission  to be paid to other broker as set forth above without
          the  written consent of the other broker. If either broker, subsequent
          to entering into this Agreement, unilaterally agrees to a reduction in
          the  commission  to be paid by Seller without the consent of the other
          broker,  the amount of the reduction shall be deducted solely from the
          commission  amount to be paid to the broker agreeing to the reduction.
     D.   If  the  Seller  pays  less  than the full commission owed, absent the
          agreement  of either or both of the brokers, each broker shall be paid
          their  pro  rata  share  of  the commission actually paid based on the
          percentages  set  forth  in  paragraph  2  above.

4.   Listing  Broker  and/or  Selling  Broker shall provide the closing attorney
     with  a  copy  of  this  Agreement  prior  to  closing.

5.   The  Listing Broker and Seller Broker do hereby direct the closing attorney
     to  disburse  to the Listing Broker and the Selling Broker at closing their
     respective  shares  of  the  commission  in  accordance  with the terms and
     conditions  of  this  Agreement  and  any  written  amendments  thereto.

SPECIAL  STIPULATIONS:  The  following Special Stipulations, if conflicting with
any  exhibit,  addendum,  or  preceding  paragraph,  shall  control

LISTING  BROKER  AND  SELLING  BROKER  ACKNOWLEDGE  AND AGREE THAT THEY SHALL BE
ENTITLED  TO  SAID  COMMISSION  ONLY  IN  THE  EVENT  THE  PURCHASE  AND SALE IS
CONSUMMATED.

[_]  (MARK BOX IF ADDITIONAL PAGES ARE ATTACHED.)

KELLER  WILLIAMS  REALTY    (    KWEC01   )
------------------------    ---------------
Selling  Broker             MLS Office Code

By:  /S/  BRENDA  T.  BALDWIN
--------------------------------------
Broker or Broker's Affiliated Licensee

TARATOOT MANAGEMENT COMPANY    (             )
------------------------       ---------------
Listing Broker                 MLS Office Code

By:
---------------------------------------
Broker or Broker's Affiliated  Licensee

Bus. Phone: 770-652-3708         FAX#: 770-606-0490
           -------------              -------------

Bus. Phone: 770-399-5444         FAX#: 770-399-9398
           -------------              -------------

<PAGE>
                             KELLER WILLIAMS REALTY

                                   EXHIBIT "C"

                          [Plat Map of Office Property]

<PAGE>SEDONA CONSULTING, INC.*
   Bankchartering is our business

Mr. Phillip Baldwin                         Via Hand Delivery
Chair
Neighbor's Bancshares, Inc.
11285 Elkins Road, Building E
Roswell, Georgia 30076-5836

                                 OCTOBER 5, 2001

                                ENGAGEMENT LETTER

Dear Phil:

I am delighted to be providing you with my suggested engagement letter for the
chartering of a de novo bank in North Fulton County, Georgia.  Our standard form
of engagement letter is set forth below.

TERMS OF ENGAGEMENT
This is to confirm our understanding with you with respect to our
representation.

     1.     Nature of Services.  The services to be rendered include
representing Neighbor's Bancshares, Inc. (the "Company") in all aspects of
chartering a de novo bank.  This includes, but is not limited to:

          -    Identification, development and formation of Organizer group;

          -    Market assessment and analysis,

          -    Determining the type of commercial bank to charter;

          -    Formation of all legal entities including;

          -    Compliance with all regulatory bodies,

          -    Completing the Charter Application and all documents required by
               the applicable regulatory bodies including, but not limited to,
               Georgia Department of Finance and Banking, Federal Deposit
               insurance Corporation, Office of Comptroller of the Currency;

          -    Liaison with, and preparation of all materials required by, all
               regulatory bodies, whether federal or state, which have authority
               over the sale of stock in the de novo bank including, but not
               limited to, the Securities Exchange Commission;

          -    Establishing a marketing and sales program for the identification
               and sale of the stock shares of the de novo bank;

          -    Assistance in identifying and employing a bank president and
               other senior members of the de novo bank;

* Now known as Sedona Bank Consultants, Inc.

<PAGE>
Mr. Phillip Baldwin
October 5, 2001
Page 2 of 2

          -    Creating an achievable and successful business plan and
               feasibility study in conjunction with the president, board and
               senior management of the bank;

          -    Pre-opening examinations and analysis - receiving the final
               charter approval;

          -    Education for board, senior management and employees of de novo
               bank.

     2.     Fees.  Our fees are as follows:  $150,000 for services as described
on the proposed budget, attached.  Our $150,000 shall be paid as follows:
$12,500 per month for twelve (12) months.

     3.     Expenses.  In addition to the fees, you will be charged for all
costs associated with the services rendered.  These costs will include, but are
not to be limited to travel expenses, external delivery and courier services,
express mail, air courier services and document reproduction (if done off site).
Although we will advance most of these costs on behalf of you, we may ask you to
pay directly any expenses in excess of $200.00.

     4.     Billing.  We will bill you on a monthly basis for all fees and
expenses, which bills will be payable upon presentation.  Additionally, it is
specifically understood between you and our firm that, subject to general
standards of professional responsibility our firm will have the right to
terminate our representation of you if any fees and/or expenses are not paid
within thirty (30) days after a statement with respect to them is rendered.  If
our firm exercises this right, you shall be liable for all fees and expenses
incurred to the date of such exercise.  Notwithstanding the above, all unpaid
fees and costs shall be due and payable at settlement of the transaction.  All
bills will show the services rendered, by whom, and the time expended in
connection therewith.

     5.     Retainer.  A retainer will be waived for this engagement.

If the foregoing correctly sets forth your understanding of the terms of our
engagement, please so indicate by dating, signing and returning the enclosed
copy of this letter.

Let me close by again expressing my appreciation and enthusiasm for the project
ahead.  Together, we can work to establishing a bank to meet the needs of the
community of North Fulton County.

Sincerely,

/s/ Barbara H. Lebow

Barbara H. Lebow, President

--------------------------------------------------------------------------------
I have read the above agreement and, after consultation with the Board of
Directors, am pleased to advise you that this Engagement Letter correctly sets
forth the terms between Neighbor's Bancshares and Sedona Consulting.

/s/ Phil Baldwin
--------------------                                 ---------------------------
Phillip L. Baldwin                                   October 8, 2001

<PAGE>

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