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                                                                    Exhibit 10-4

                                 LEASE AGREEMENT
                                 ---------------

         THIS AGREEMENT, made and entered into this 24th day of January, 2001,
by and between J. FRANK FARGO and TERASA FARGO, husband and wife, whose address
is 500 Williamsport Pike, Martinsburg, WV 25401, hereinafter referred to as
"Lessor", and CENTRA BANK, INC., a West Virginia banking corporation, whose
address is Post Office Box 1109, Martinsburg, WV 25402, hereinafter referred to
as "Lessee",

         WITNESSETH: That for and in consideration of the mutual covenants and
undertakings of the parties hereto, to be performed by them at the times and in
the manner hereinafter set forth, Lessor and Lessee agree as follows:

         1. PREMISES. Lessor does hereby let and demise unto Lessee the
"Premises", as hereinafter defined, for the term hereinafter set forth.

         The Premises are known for postal purposes as 500 Williamsport Pike,
Martinsburg, WV 25401. The Premises consist of a tract or parcel of real estate
situate in Martinsburg District, Berkeley County, West Virginia, containing
1.0338 acres, and an appurtenant water line easement, being the same real estate
conveyed to Lessor by Blue Ridge Bank, Inc., a West Virginia corporation, by
deed dated July 11, 1995, and recorded in the office of the Clerk of the County
Commission of Berkeley County, West Virginia, in Deed Book No. 548, at page 425,
to which deed reference is hereby made; the Premises are improved by and include
a one-story commercial building originally designed and constructed as a branch
banking facility, but presently occupied by Lessor as an insurance agency. A
floor plan diagram of the entire commercial building is attached hereto and
marked as Exhibit "A".

         Also included in the Premises are the nonexclusive rights in and to the
use of the existing highway access entrance from U.S. Route No. 11 leading into
the Premises, as well as any highway access entrance which may in the future
serve the premises, as well as all existing roadways and parking areas
surrounding, serving, and appurtenant to the Premises.

         Within approximately 18 months following the commencement of Lessee's
term, as hereinafter defined, Lessor intends to construct, at Lessor's sole
expense, an two-story addition to the existing commercial building located
within and upon the Premises, said addition to be used and occupied by Lessor
for Lessor's insurance agency business. It is understood and agreed that, upon
completion of such addition, said addition is not intended by the parties hereto
to constitute any part or portion of the Premises. Said addition shall have its
own separate customer and employee entrance, and shall have no open connection
with the existing commercial building, unless upon mutual agreement of the
parties; said addition shall be separately metered for the use and consumption
therein of public utilities and public services. Lessor agrees that Lessor's
building plans as to such addition shall be subject to the advance review and
approval of Lessee, which such approval shall not be unreasonably withheld;
Lessor further agrees that the exterior of such addition shall be of similar and
compatible character to the exterior of the existing commercial building. Upon
completion of such addition, the parties hereto agree that they shall enter into
an agreement respecting their shared maintenance costs regarding the common
areas in and about the Premises including, but not limited to, roadway and
parking area upkeep, snow removal, lawn mowing and landscaping, and general
grounds keeping; said shared maintenance costs shall be apportioned between
Lessor and Lessee based upon a comparison of the respective square footage of
the existing commercial building and Lessor's addition; for example, should the
existing commercial building have an area of 1500 square feet, and Lessor's
addition have an area of 2000 square feet, then Lessee shall be responsible for
3/7 of the maintenance costs, and Lessor shall be responsible for 4/7 of the
maintenance costs. The parties agree that Lessee shall be responsible for
procuring contractors and service

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companies to address these maintenance areas and concerns, paying such
contractors and service companies for their work, and billing Lessor for
Lessor's agreed-upon proportionate share, on a quarterly basis, or at such
billing frequency as the parties shall hereafter establish.

         2. TERM. The term of this Lease Agreement shall be FOURTEEN (14) YEARS
and TEN (10) MONTHS, commencing on March 1, 2001, and ending on December 31,
2015.

         Furthermore, Lessee shall have the right and option to renew this Lease
Agreement for two (2) additional renewal terms of ten (10) years each, the first
renewal term commencing on January 1, 2016, and ending on December 31, 2025, and
the second renewal term commencing on January 1, 2026, and ending on December
31, 2035. Lessee shall provide Lessor with written notice of Lessee's intention
to renew this Lease Agreement, at least 120 days prior to the expiration of the
original term of this Lease Agreement or, as the case may be, 120 days prior to
the expiration of the first renewal term of this Lease Agreement.

         This Lease Agreement shall not be deemed extended unless in the manner
and at the times hereinabove provided for Lessee's renewal rights and options,
or otherwise only if evidenced by written mutual agreement of the parties
hereto. In the event that Lessee remains in possession of the Premises after
expiration of the term of this Lease Agreement, or of any renewal term, without
the express written consent of Lessor, Lessee shall be deemed to occupy the
premises on a month-to-month basis, under the same terms and conditions,
including rent, existing on the last day of the stated term, or renewal term(s),
of this Lease Agreement.

         3. RENT. In consideration for the use and occupancy of the Premises by
Lessee, as herein set forth, Lessee shall pay to Lessor, during the term of this
Lease Agreement, rent in the amount of FOUR THOUSAND DOLLARS ($4,000.00) for
each and every month of the term of this Lease Agreement, and all renewal terms
hereof, said rent to be paid, in advance, on the first day of each month,
commencing on March 1, 2001. The aforementioned amount of monthly installments
of rent (hereinafter the "Fixed Monthly Rent") is subject to adjustment, as
hereinafter provided.

         Adjustments to the Fixed Monthly Rent shall be made and effected every
two (2) years during the lease term, and all renewal terms, with the first such
adjustment to take effect as of January 1, 2003, and as of January 1 every two
(2) years thereafter; the commencement of a renewal term will not alter or amend
this schedule of adjustments; for example, an adjustment of the Fixed Monthly
Rent will take place on January 1, 2015: assuming that Lessee renews the term
hereof for an additional 10-year term, commencing January 1, 2016, the next
adjustment will take place on January 1, 2017.

         Adjustments to the Fixed Monthly Rent are intended to be based upon the
consumer price index, and such adjustments shall be made according to the
following procedure:

                  A. The adjustments to the Fixed Monthly Rent shall be based
upon increases in the cost of living reported in the Revised Consumers Price
Index-Cities (1967 = 100), hereinafter the "Index", published by the Bureau of
Labor Statistics of the United States Department of Labor.

                  B. The "base index number" shall be the Index number indicated
for the City of Washington, D.C., entitled "All Items", for the month of March,
2001. The "current index number" shall be corresponding Index number for the
month of October of the year preceding the January 1 adjustment date.

                  C. The current index number shall be divided by the base index
number, and the integer 1 shall be subtracted from such quotient. Any resulting
positive number shall be deemed to be the percentage increase in the cost of
living. For example, should the base index number be 100, and the current index
number be 110, then the result of dividing 110 by 100 equals 1.1; next,
subtracting the integer 1 from 1.1 yields .10; accordingly, the percentage
increase in the cost of living in this example is 10%.

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                  D. The increase in the amount of the Fixed Monthly Rent shall
be determined by multiplying the percentage of increase reflected in
subparagraph C hereof by $4,000.00.

                  E. Lessor shall give Lessee notice of any such increase within
a reasonable time after obtaining and assembling the necessary data for
computing it. Lessor's computation shall be conclusive and binding, absent
manifest error, unless Lessee notifies Lessor of any claimed error therein
within 90 days after such notice is given; however, the terms and provisions
hereof shall not preclude any adjustment that may be required, at any time, by
reason of a published amendment of the Index figures upon which such computation
was based.

                  F. The Fixed Monthly Rent, together with the "increase"
calculated in accordance with subparagraphs A through D hereof, shall be due and
payable to Lessor in equal monthly installments, commencing on January 1. Any
retroactive payments then due shall be payable within 30 days after the
above-provided notice is given by Lessor to Lessee. If there is any subsequent
redetermination of such amount, the parties hereto shall promptly make the
indicated adjustment.

                  G. If publication of the Consumers Price Index is
discontinued, the parties shall accept comparable statistics on the cost of
living for the City of Washington, D.C., as such statistics are computed and
published by a federal agency or by a recognized financial periodical selected
by the parties. If comparable statistics are used in place of the Consumers
Price Index, or if the Index figure is published at non-monthly intervals, the
method of computation shall include all revisions required to carry out the
intent of this paragraph.

         4. REAL PROPERTY TAXES. During the term of this lease, Lessor shall
promptly pay, when due, all ad valorem real property taxes assessed with respect
to the Premises, as well as all fire protection fees imposed by the City of
Martinsburg, West Virginia.

         5. LESSOR'S FIRE AND CASUALTY INSURANCE. During the term of this Lease
Agreement, Lessor shall be responsible for paying for and providing fire and
hazard insurance coverage with respect to the improvements that are part of the
Premises, as well as Lessor's personal property located on the Premises and used
by Lessee, in such amount or amounts as Lessor deems necessary and appropriate,
but in no event less than the full replacement cost thereof.

         6. LESSEE'S REIMBURSEMENT TO LESSOR FOR INCREASES IN TAXES, ETC.
Notwithstanding the terms and provisions of paragraphs 4 and 5 hereof, Lessee
agrees to reimburse Lessor for any and all increases in the cost of Lessor's ad
valorem real property taxes, City of Martinsburg fire protection fees, and
premiums for fire and hazard insurance coverage experienced by Lessor during the
lease term hereof, and all renewals thereof.

         Requests for such reimbursement shall be made by Lessor to Lessee, in
writing, on an annual basis, in December of each year, and such requests shall
be accompanied by copies of invoices, billings, vouchers, and such other
supporting documentation as shall be in reasonable and sufficient detail;
payment by Lessee to Lessor for claimed reimbursement shall be made on or before
February 1 of the following year.

         Currently, Lessor is responsible for paying the following:

                  A. year 2000 real property taxes, prior to early payment
discount, amounted to $3,396.96; existing improvements are assessed at
$60,720.00;

                  B. fiscal year 2000-2001 City of Martinsburg fire protection
fees amounted to $92.50; and

                  C. fire and hazard insurance premiums for the most recent
annual policy period amounted to $278.00.

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         With respect to increases in fire and hazard insurance coverage, the
parties agree that increases in premium amounts resulting from the addition of
coverages, or the increase of existing coverages, shall not give rise to any
reimbursement claimable by Lessor.

         In addition, Lessee shall not be responsible for reimbursement of any
increases herein contemplated resulting from the construction and erection of
additional improvements within and upon the real estate owned by Lessor.

         7. LESSOR'S WARRANTY OF TITLE AND POSSESSION. Lessor covenants that
Lessor is vested with legal title to the Premises, and has the right to make and
enter into this Lease Agreement; Lessor covenants and agrees to put Lessee in
complete and exclusive possession of the Premises at the commencement of the
term of this Lease Agreement.

         Lessor covenants that, upon payment by Lessee of the Rent provided for
in this Lease Agreement, and upon the performance by Lessee of Lessee's
obligations and covenants contained in this Lease Agreement, Lessee may occupy
and peaceably and quietly enjoy the Premises without hindrance or molestation by
Lessor or any person claiming through or under Lessor.

         8. PERMITTED USES; PROHIBITED ACTIVITIES. The Premises shall be used
and occupied by Lessee as a facility for banking and/or financial services; no
other use of the Premises shall be permitted without the prior written consent
of Lessor, which said consent shall not be unreasonably withheld.

         Lessee shall not use, or knowingly permit the use, of the Premises, or
any part thereof: A. for any unlawful purpose; B. for any disreputable,
dangerous, or extra-hazardous purpose; C. in any manner which shall increase the
rate of fire insurance applicable to the Premises in effect at the commencement
of the term of this Lease Agreement; or D. in any manner which will in any way
violate any certificate of occupancy regarding the Premises.

         With respect to the addition that Lessor intends to construct, it is
agreed that said addition shall not be used or occupied for any purposes or in
any manner described in sections A, B, C, and D of the immediately preceding
paragraph of this paragraph 8. Furthermore, it is agreed that said addition
shall not be used or occupied as a facility for banking and/or financial
services, or for the origination or servicing of loans, recognizing, however,
that the provisions hereof are not intended to prohibit the offering of
financial services that are typically offered or provided by insurance agents,
accountants, attorneys, real estate agents, and securities brokers. Lessor
intends to occupy a portion of the addition for Lessor's insurance agency
business, and to lease out the remainder of such addition as business office
space, and the use and occupancy of the Lessor's addition for such purposes
shall not require Lessee's consent and approval; however, the use and occupancy
of the Lessor's addition for any other purpose, except as aforementioned, shall
be subject to Lessee's consent and approval, which shall not be unreasonably
withheld.

         9. COMPLIANCE WITH LAWS AND REGULATIONS. Lessee, at Lessee's expense,
shall promptly comply with all federal, state, and municipal laws and
regulations, including those of appropriate departments, commissions,
authorities, boards, and their officers, and with all lawful directives of
public officers, which impose any duty upon Lessee or Lessor with respect to the
Premises. Lessee, at Lessee's expense, shall obtain all required licenses or
permits for the conduct of Lessee's business within the Premises.

         Further, Lessee shall comply with the requirements of all public
liability, fire, and other types of insurance policies at any time in force with
respect to the Premises.

         10. LESSOR'S/LESSEE'S IMPROVEMENTS, ETC. It is understood and agreed
that, except as otherwise provided for in paragraph 14 hereof, Lessor has no
duty to effect any repairs, renovations,

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replacements, or improvements to the Premises, and Lessee accepts the Premises
in their present and existing condition.

         Lessee may, at Lessee's expense, make what alterations, improvements,
additions, and changes to the Premises it deems necessary or expedient in the
operation and occupancy of the Premises. Lessee shall not, however, without
Lessor's written consent, tear down or materially demolish any improvement
within the Premises, or make any material change or alteration thereto, if the
improvement, when completed, would substantially diminish the value of the
Premises. Lessee shall not make any change in or alteration to the Premises
which would violate the terms of any mortgage/deed of trust then a lien upon the
Premises, or any policy of insurance in force with respect to the Premises. If
the estimated cost of any proposed alteration, improvement, addition, or change
to the Premises exceeds $15,000.00, Lessee shall first obtain Lessor's approval
of the plans therefor, which approval shall not be unreasonably withheld. All
additions, alterations, additions, and improvements made in or to the Premises
by either party hereto shall become the property of Lessor and be surrendered
with the Premises at and upon the termination of this Lease Agreement, except
that Lessee may remove or replace its moveable trade fixtures, if Lessee repairs
any damage caused by such removal.

         11. ATTORNMENT AND NONDISTURBANCE AGREEMENT. Lessor acknowledges that
the Premises are subject to voluntary liens imposed thereon by Lessor, in favor
of Branch Banking and Trust Company (formerly One Valley Bank-East, N.A.),
consisting of two (2) deed of trust liens and an assignment of leases and rents;
said liens relate to borrowing made by Lessor from One Valley Bank-East, N.A.,
on or about August 7, 1996.

         On or before March 1, 2001, Lessor shall obtain, for the benefit of
Lessee, a nondisturbance agreement made and executed by Branch Banking and Trust
Company, in such form and containing such assurances as shall be reasonably
satisfactory to Lessee.

         If, in the future, Lessor should refinance Lessor's obligations with
Branch Banking and Trust Company, and new liens are taken upon the Premises by
the new lender, then Lessee agrees that Lessee shall attorn and execute a
nondisturbance, recognition, and attornment agreement in favor of such new
lender, upon terms reasonably satisfactory to Lessee.

         12. MECHANIC'S LIENS. If, by reason of any labor or services performed
or materials furnished to the Premises for or on behalf of Lessee, any
mechanic's, materialmen's, or other liens shall be filed, claimed, or perfected
as provided by law against the Premises, Lessee shall discharge or remove the
lien, by bonding or otherwise, within 15 days after receipt of written notice
from Lessor to Lessee of the filing of same. In the event Lessee should fail to
cause such lien to be discharged or removed within the 15-day period then, in
addition to any other right or remedy, Lessor may, but shall not be obligated
to, discharge the lien. Upon receipt of copies of the applicable receipts,
Lessee shall promptly reimburse Lessor for the cost of discharging the lien.

         Notwithstanding the foregoing provisions, the parties understand and
agree that, in the event that such a lien is filed against the Premises, Lessor,
and/or Lessee, and Lessee immediately proceeds to contest same diligently and in
good faith, and at all times thereafter continues to contest same diligently and
in good faith, Lessee shall not be required to discharge or remove such lien as
hereinabove set forth; provided, however, that, as an aspect of contesting such
lien, Lessee shall, at Lessee's sole cost and expense, retain legal counsel for
such purpose, and Lessee's legal counsel shall, within thirty (30) days of being
retained, report to Lessor, in writing, disclosing in such report the nature of
the claim upon which the lien is founded, as well as Lessee's defenses thereto
and any offsets claimed by Lessee; furthermore, in the event that a civil action
is commenced by the lienholder seeking enforcement of such lien, in which civil
action Lessor is named as a party defendant, then Lessee agrees to pay for and
provide Lessor's legal representation and a legal defense to such civil action
by and through legal counsel of Lessee's choice, which said legal counsel may
represent both Lessee and Lessor in such civil action, and Lessee further

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agrees to indemnify and hold Lessor harmless respecting any judgment,
obligation, or liability imposed upon Lessor, or the Premises, arising from such
civil action.

         13. SIGNS. Lessee, at Lessee's sole cost and expense, shall have the
right, at the option of Lessee, to install one or more signs on the exterior of
the Premises, as well as appropriate signage at or about the entrance way to the
Premises from U.S. Route No. 11. Such signs shall be subject to applicable laws,
zoning restrictions, and, also, to Lessor's prior written approval, which
approval shall not be unreasonably withheld.

         Likewise, all signs erected, placed, and maintained by Lessor, either
within the Premises or upon or nearby the addition Lessor intends to construct,
respecting either Lessor's conduct of insurance agency operations or the
business operations of Lessor's tenants in Lessor's addition, shall be subject
to applicable laws, zoning restrictions, and, also, to Lessee's prior written
approval, which approval shall not be unreasonably withheld.

         14. MAINTENANCE OF THE PREMISES. During the term of this Lease
Agreement, Lessee agrees to keep and maintain the Premises in good condition and
repair, reasonable wear and tear excepted. Lessee shall, at Lessee's cost and
expense, have repaired any damages to the water heater and electrical wiring and
fixtures; replace all broken glass; keep sinks, lavatories, commodes, and sewer
lines open; repair any plumbing or heating equipment that may be damaged or
require maintenance; maintain, repair, and replace all floor surfaces and
carpets; maintain all wall coverings and attend to interior painting and trim;
and keep and maintain all tenantable repairs. Lessee shall further bear the cost
and expense of snow removal in and about the Premises, lawn mowing in and about
the Premises, and the maintenance and care of existing landscaping, if any.
Lessor's sole responsibility for the Premises shall be for the maintenance,
repair, and replacement (as and when necessary) of the roof, exterior
maintenance, maintenance of structural portions of the improvements on the
Premises, maintenance of the concrete slab and foundation, maintenance of
conduits, ducts, and utility mains which are located outside and under the
building or are incorporated in the walls thereof, and the maintenance of public
water and sewer line connections to the Premises.

         At the conclusion of the term of this Lease Agreement, Lessee agrees to
the deliver the Premises to Lessor, peaceably and quietly, in broom-clean
condition, reasonable wear and tear excepted. Lessee shall have the right to
remove all personal property and equipment installed by Lessee. It is further
understood and agreed that all fixtures and improvements, dividing walls, etc.,
shall remain "as is", and Lessee shall have no obligation to restore the
Premises to the condition which existed prior to Lessee's occupancy and
renovation.

         15. UTILITIES. Lessor represents that all necessary mains, conduits,
and facilities required to supply water, sewage service, gas, electricity, heat,
air conditioning, telephone, and garbage removal service to the Premises are
available for Lessee's use within the Premises, or will be made available, at
Lessor's sole cost and expense, prior to the commencement of the term of the
Lease Agreement.

         Lessee shall promptly pay the respective utility company and municipal
usage charges for any and all utilities and municipal services utilized by
Lessee regarding and arising from Lessee's use and occupancy of the Premises.

         16. ASSIGNMENT AND SUBLETTING. Lessee shall not assign this lease, or
any part of this agreement, or sublet any part of the Premises, without the
prior written consent of Lessor, which consent shall not be unreasonably
withheld. The terms and provisions hereof shall not be construed to prohibit or
restrict an assignment of this Lease Agreement by Lessee to a parent,
subsidiary, or affiliate business entity of Lessee, or to a business entity
which should subsequently purchase or acquire Lessee, or substantially all of
Lessee's assets.

         17. EMINENT DOMAIN. If all or any part of the Premises is taken by
eminent domain, this Lease Agreement shall expire and terminate on the date of
such taking (except as hereinafter provided),

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and the rental payable hereunder shall be apportioned as of that date; however,
as to any partial taking, the expiration and termination of this Lease Agreement
shall be at the sole option of Lessee. Except as hereinafter provided, no part
of any condemnation award shall belong to Lessee.

         Notwithstanding the foregoing provisions, Lessee may make a separate
claim with the condemning authority for the value of Lessee's property and for
moving and relocation expenses, provided that such claim does not reduce or
adversely affect the amount of Lessor's award.

         18. CASUALTY LOSS. If all or any part of the Premises are damaged or
destroyed by fire or other casualty insured by the standard fire insurance
policy, with approved standard extended coverage endorsement, applicable to the
Premises, Lessor shall, except as otherwise provided herein, repair and rebuild
the Premises with reasonable diligence. If such work requires Lessee to
temporarily close Lessee's business to the public, the rental provided herein
shall be equitably adjusted for the duration of such repairs. Notwithstanding
the above, if the Premises are damaged by fire or other insured casualty due to
Lessee's fault or neglect, or the fault or neglect of Lessee's servants,
employees, contractors, agents, visitors, or licensees, Lessor shall, without
prejudice to Lessor's other rights and remedies, repair the damage, but there
shall be no apportionment or abatement of any rent. Except to the extent
provided for in this paragraph, neither the rent payable by the Lessee nor any
of its other obligations under any provisions of this Lease Agreement shall be
affected by any damage to or destruction of the Premises by any cause, and
Lessee hereby expressly waives all additional rights Lessee might otherwise have
under any law or statute.

         Notwithstanding the foregoing, if 50% or more of the commercial
building located within the Premises is destroyed or rendered untenantable by
fire or other casualty, either Lessor and Lessee may terminate this Lease
Agreement, effective as of the date of such casualty, by giving the other
written notice of such termination within 45 days after such casualty occurs.

         19. LESSEE'S UNDERTAKINGS FOR INSURANCE.

                  A. Public Liability and Property Damage. Lessee shall obtain
and keep in full force and effect a policy of public liability and property
damage insurance with respect to the Premises which provides coverage for injury
to property in the amounts of $1,000,000.00/$2,000,000.00 (per
occurrence/aggregate) and coverage for injuries to persons in the amounts of
$1,000,000.00/$2,000,000.00. Lessee may, at its option, provide such insurance
coverage in the form a "blanket" policy insuring the Premises and other property
owned or leased by Lessee and/or Lessee's affiliated companies.

                  Prior to the commencement of the term of this Lease Agreement,
Lessee shall deliver a copy of the appropriate certificate of insurance to
Lessor. Said certificate shall name Lessor and Lessor's mortgagee, if requested,
as additional insureds. In the event Lessee should fail to comply with the
foregoing requirement, Lessor may obtain such insurance on behalf of Lessee and
Lessee shall reimburse Lessor, within thirty (30) days after receiving copies of
the applicable insurance bills, for any such charge resulting therefrom.

                  B.  Casualty Insurance.  Lessee shall pay for and provide
fire, hazard, and casualty insurance with respect to the loss, damage, or
destruction of any and all of Lessee's property, equipment, fixtures, inventory,
and other contents of any nature and description kept, stored, and maintained by
Lessee within and about the Premises.

         20. LESSOR'S LIABILITY. It is expressly understood and agreed that
Lessor shall not be obligated or liable for any personal injury, property
damage, or any other type of damage to any person or property, at any time,
arising from the use or possession, or of any conditions existing in, on, or
around the Premises, from any cause whatsoever including, but not limited to,
fire, casualty, storm, snow, or ice, or for any claims or damages arising from
or caused by any part of the Premises being in disrepair; or from leaking pipes
or plumbing; or from or arising from any negligence by Lessee and/or Lessee's

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invitees, licensees, agents, and employees; or from any other cause during the
term of this Lease Agreement.

         Lessee further agrees to indemnify and hold Lessor harmless from any
and all such claims, obligations, demands, suits, and the like, whether such
damages or harm are sustained by Lessee, Lessee's agents or employees, Lessee's
invitees and licensees, or trespassers or strangers.

         21. LESSOR'S RIGHT OF INSPECTION. Lessor, in person or by agent, shall
have the right, at all reasonable business times, to enter the Premises to
inspect same, provided that Lessor affords Lessee at least twenty-four (24)
hours verbal or written advance notice of such inspection. In the event of an
emergency arising from fire, casualty, insurrection, or other sudden harm or
threatened casualty, Lessor may enter the Premises and inspect same without
notice to

Lessee, provided that Lessor affords Lessee written or verbal notice of such
entry and inspection by Lessor immediately thereafter.

         22. RELATIONSHIP OF PARTIES. Nothing contained in this Lease Agreement
shall be deemed or construed by the parties hereto, or by a third party, to
create the relationship of principal and agent, of partnership, or of joint
venture between them. No provision contained in this Lease Agreement and no acts
of the parties hereto shall be deemed to create any relationship between them
other than the relationship of landlord and tenant.

         23. DEFAULT BY LESSEE. The occurrence of any one or more of the
following events shall constitute an event of default or breach of this Lease
Agreement by Lessee ("Lessee Default"):

                  A. Lessee fails to pay rent on the date due and, within
fifteen (15) days after written notice from Lessor to Lessee of Lessee's failure
to pay is delivered, Lessee again fails to make payment;

                  B. Lessee makes any assignment for the benefit of creditors,
files a voluntary petition in bankruptcy, is adjudicated a bankrupt by any
court, takes advantage of the benefit of any bankruptcy or insolvency statute,
or a receiver or trustee respecting the property of Lessee is appointed by any
judicial authority; or

                  C. Lessee fails to perform or comply with any term, provision,
or covenant of this Lease Agreement, all of which terms, provisions, or
covenants shall be deemed to be material, and Lessee fails to correct or cure
any such default prior to the expiration of 15 days, except as specified
otherwise in this Lease Agreement, following written notice of such default
given by Lessor to Lessee; however, said 15-day default cure period shall be
deemed extended for a reasonable period of time if, during such 15-day default
cure period Lessee commences action to cure such default, and diligently pursues
same in good faith.

         Upon the occurrence of any Lessee Default, which is not cured by Lessee
within the applicable cure period, Lessor may, in the sole and absolute
discretion of Lessor, elect to terminate this Lease Agreement, in which event
Lessee shall immediately surrender the premises to Lessor. In the event that
Lessee should fail to immediately surrender the premises, Lessor may re-enter
and repossess the premises, and expel or remove Lessee and any other person or
entity thereof, and remove all property therefrom, all in accordance with due
process, and as may be permitted under the laws of the State of West Virginia.
Lessor, in the event Lessor is required to undertake the remedies set forth
herein shall, in addition to any rent and other sums due pursuant to the terms
of this Lease Agreement, be entitled to reasonable expenses, including
attorney's fees incurred in connection herewith. The exercise of any remedy
provided herein shall not preclude the exercise of any other remedy set forth
herein, or otherwise existing at law or in equity, it being agreed and
understood that such remedies are cumulative and Lessor shall have full
advantage of all such remedies.

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         Notwithstanding the provisions of this paragraph number 23, and any
other provisions of the Lease Agreement, in the event that Lessee's banking
and/or financing services operations are either closed and terminated, or taken
over, by the banking regulatory and/or supervisory authority of the State of
West Virginia, the United States of America, or any other governmental
authority, Lessor may terminate this Lease Agreement only with the concurrence
of such banking regulatory and/or supervisory authority, and any such authority
shall, in any event, have the election to either continue or to terminate this
Lease Agreement, as provided for in West Virginia Code 31A-7-10.

         24. DEFAULT BY LESSOR. A default by Lessor ("Lessor Default") shall
have occurred if Lessor fails to perform or comply with any term, provision, or
covenant of this Lease Agreement, all of which terms, provisions, or covenants
shall be deemed to be material, and Lessor fails to correct or cure any such
default prior to the expiration of 15 days, except as specified otherwise in
this Lease Agreement, following written notice of default given by Lessee to
Lessor; however, said 15-day default cure period shall be deemed extended for a
reasonable period of time if, during such 15-day default cure period Lessor
commences action to cure such default, and diligently pursues same in good
faith.

         Upon the occurrence of any Lessor Default which can be cured by the
payment of money, Lessee shall be permitted to perform, correct, or cure the
default, in which event Lessee may deduct the costs and expenses relative
thereto from rental payments due or thereafter becoming due until the total
amount thereof is fully paid and satisfied; alternatively, Lessee may elect to
terminate this Lease Agreement. If the Lessor Default is of such nature that it
cannot be cured by the payment of money, Lessee may terminate this Lease
Agreement and, upon termination, vacate the premises. Lessee shall also have all
rights and remedies existing at law or in equity respecting any Lessor Default
hereunder.

         25. LESSOR'S SUBLET AREA. Within and upon Exhibit A hereto is a
highlighted area, consisting of two adjoining offices at the southeast corner of
the commercial building constituting the Premises. In consideration of the
execution of this Lease Agreement, Lessor and Lessee agree that Lessee shall
sublet to Lessor the two offices hereinabove identified (the "Sublet Premises")
upon the following terms and conditions: (a) Lessor shall not be obligated to
pay Lessee rent on account of Lessor's use and occupancy of the Sublet Premises.
(b) The term of Lessor's sublease shall be the sooner to occur of the following:
(i) the completion of Lessor's additional improvements within Lessor's real
estate, intended for the relocation therein of Lessor's insurance agency; or
(ii) March 31, 2003. (c) The Sublet Premises shall be used solely for the
conduct of Lessor's insurance agency business, and for no other purpose. (d)
Notwithstanding any other term or provision of this Lease Agreement, during the
term of the sublease Lessor shall be solely responsible for effecting all
maintenance, repairs, and replacements within the Sublet Premises. (e) Included
in the Sublet Premises is the use by Lessor of the lobby entrance, the restroom,
and the kitchen facilities. (f) With respect to Lessor's signage as to Lessor's
insurance agency business, except as hereinafter provided, Lessor will not be
permitted to place such signage either on the exterior of the commercial
building located within and upon the Premises, or within the lobby or
entranceway areas within such commercial building; however, Lessor shall be
permitted to place reasonable and appropriate signage regarding Lessor's
insurance agency business on the doors to the offices constituting the Sublet
Premises. Furthermore, until Lessor completes construction of the addition
Lessor intends to build, Lessor may continue to keep and maintain Lessor's
present sign now located on the exterior of the existing commercial building,
but on the completion of such construction, Lessor shall remove such sign;
furthermore, Lessee shall be permitted the exclusive use of the existing pole
sign facility on the Premises, and Lessor agrees to remove Lessor's sign
therefrom at the beginning of the lease term. (g) At the conclusion of the term
of the sublease, Lessor shall deliver possession of the Sublet Premises to
Lessee, in broom clean condition, in as good condition as now exists, reasonable
wear and tear excepted.

         26. RIGHT OF FIRST REFUSAL. During the term of this Lease Agreement,
Lessor grants to Lessee a right of first refusal with respect to the purchase,
by Lessee from Lessor, of the commercial building owned by Lessor, in which the
Premises are located, as well as the land, comprising 1.0338

                                       9
<PAGE>

acres, upon which said commercial building is located, and all appurtenances
thereto (the "Property"), upon the following terms and conditions:

                  A. In the event that a third party submits to Lessor a bona
fide written offer to purchase the Property from Lessor, which offer is
conditionally accepted by Lessor, Lessor shall, within five (5) days of such
acceptance, notify Lessee of such conditional acceptance, in writing, and
provide Lessee with a complete copy of the written purchase offer accepted by
Lessor.

                  B. Within twenty (20) days after delivery of such notice and
documentation by Lessor to Lessee, Lessee may elect to purchase the Property
from Lessor, upon identical terms and provisions, and for the same
consideration, as contained and set forth in the written purchase offer of the
third party, previously conditionally accepted by Lessor and, within said twenty
(20) day period, shall execute and deliver to Lessor such a written purchase
offer, accompanied by earnest money deposit, respecting the Property, which
Lessor shall then accept in lieu of the third party purchaser's written purchase
offer. Should Lessee fail or decline to exercise Lessee's rights hereunder at
the times and in the manner herein set forth, Lessor shall then be free to
proceed to consummate the sale of the Property to the third party purchaser, and
Lessee shall have no further rights in and to the purchase of the Property, as
expressed herein (except as hereinafter provided) and, upon the request of
Lessor, Lessee then agrees to release, in written and recordable form, Lessee's
rights contained herein; however, in the event that the sale and conveyance of
the Property by Lessor to such third-party purchaser is not consummated, then,
in such event, Lessee's rights to purchase the Property as expressed in this
paragraph 26 shall be deemed to have been thereby fully reinstated, for all
purposes.

                  C. Lessee's rights hereunder shall be suspended and of no
force or effect for and during such times that an event of Lessee Default, as
defined in this Lease Agreement, remains uncured.

         27. MEMORANDUM OF LEASE. Lessee agrees not to place this Lease
Agreement of public record. However, Lessor and Lessee agree, upon the request
of either, to execute and deliver a memorandum, or so-called "short form" of
this Lease Agreement, in recordable form, and the same may be placed of public
record, at Lessee's expense. Said memorandum or short form of this Lease
Agreement shall set forth the following information only: A. identification of
the parties to this Lease Agreement; B. a description of the Premises; C. a
statement of the lease term, and all renewal terms; D. disclosure of the
Lessee's rights under the terms and provisions of paragraph 26 hereof; and E.
any and all other information necessary to cause said memorandum or short form
to comply with the laws of the State of West Virginia respecting like
instruments. Said memorandum or short form shall further incorporate all terms
and provisions of this Lease Agreement by reference.

         28. NOTICES. Any notice, request, demand, approval, consent, or other
communication which Lessor or Lessee is required or permitted to give to the
other party shall be in writing and mailed to such party at the address
specified at the commencement of this Lease Agreement, or addressed to the
Premises if such communication is to Lessee, or to such other address that
either party hereto has designated by written notice to the other. Such notice
shall be deemed mailed when deposited in the United States mail, postage
prepaid.

         29. GENERAL. This Lease Agreement sets forth the entire agreement of
the parties hereto with respect to the subject matter contained herein. The
terms and provisions of this agreement shall not be altered, modified, or
amended, unless in writing, endorsed thereon by both Lessor and Lessee.

         Time is expressly declared to be of the essence regarding all aspects
of the performance and fulfillment of all covenants, agreements, and
undertakings contained herein.

         The terms and provisions hereof shall be governed by and construed in
accordance with the laws of the State of West Virginia.

                                       10
<PAGE>

         It is intended that the terms and provisions hereof be binding upon,
and inure to the benefit of, the parties hereto, and their respective heirs,
devisees, personal representatives, successors, and assigns.

         Headings in this agreement are for convenience and reference only, and
shall not be used to interpret, construe, or limit its provisions.

         This agreement may be executed 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.

         The fact that any term or provision of this agreement is rendered
invalid, void, illegal, unconscionable, or unenforceable, by judicial decision
or legislation, shall not impair or invalidate any other term or provision
hereof, and such other terms and provisions shall remain in full force and
effect.

         WITNESS the following signatures:

                                        -----------------------------------
                                        J. Frank Fargo

                                        -----------------------------------
                                        Terasa Fargo

                                        CENTRA BANK, INC., a West Virginia
                                        banking corporation

                               By:
                                        -----------------------------------
                                               its Vice President and
                                               Chief Operating Officer

                                       11
<PAGE>

STATE OF WEST VIRGINIA,
COUNTY OF BERKELEY, to-wit:

         The foregoing instrument was acknowledged before me this _______ day of
January, 2001, by J. Frank Fargo and Terasa Fargo, husband and wife.

                                            -----------------------------------
                                            Notary Public

My commission expires:
                       ----------------------------

                                       12
<PAGE>

STATE OF WEST VIRGINIA,
COUNTY OF BERKELEY, to-wit:

         The foregoing instrument was acknowledged before me this _______ day of
January, 2001, by Henry M. Kayes, Jr., Vice President and Chief Operating
Officer of Centra Bank, Inc., a West Virginia banking corporation, on behalf of
said banking corporation.

                                            -----------------------------------
                                            Notary Public

My commission expires:
                       ----------------------------

This instrument was prepared by James D. Steptoe, Attorney.

                                       13<PAGE>

                                                                    Exhibit 10-5

                                 LEASE AGREEMENT
                                 ---------------

         THIS LEASE AGREEMENT, made this 10th day of October, 2001, by and
between COLUMBUS, LLC, a West Virginia limited liability company, party of the
first part, hereinafter called the "Landlord", and CENTRA BANK, INC., a West
Virginia corporation, party of the second part, hereinafter called the "Tenant".

         WHEREAS, Landlord is the owner of a parcel of land containing 0.83
acres located just south of and adjacent to the 400 Foxcroft Avenue property on
the east side of Foxcroft Avenue North, Martinsburg, Berkeley County, West
Virginia, as more fully shown and set forth upon a plat thereof recorded in the
office of the Clerk of the County Commission of Berkeley County, West Virginia
in Plat Cabinet No. 6, at Slide 34, a copy of which is attached hereto and made
hereof as Exhibit "A" (the "Land"); and

         WHEREAS, the Tenant wishes to construct on the Land a banking office
building containing approximately 800 square feet (outside dimensions) plus a
four-lane drive-through facility and one ATM lane (the "Building"), with a
parking lot, paving and other related improvements; and

         WHEREAS, the Tenant is in the process of receiving site plan approval
from the City of Martinsburg, Planning Commission for construction of the
Building and other related improvements,

         NOW, THEREFORE, WITNESSETH: That for and in consideration of the annual
base rent to be paid by the Tenant to the Landlord in the amount as hereinafter
set forth, and the other covenants and agreements herein contained, the Landlord
and Tenant hereby covenant and agree as follows:

         1. LEASED PREMISES. Landlord does hereby lease to the Tenant, who does
hereby rent and hire from the Landlord, the Land, together with that
non-exclusive right of ingress and egress thereto and therefrom over the
appurtenant street adjacent thereto. The Land with Building and other
improvements is referred to as the Leased Premises

         2. TERM.

            (a) The initial term ("term") of this Lease shall be ten (10) years,
beginning on (a) the first day of March, 2002, or (b) the date on which the
Tenant opens for business on the Leased Premises, if such date shall be prior to
or subsequent to the 1st day of March, 2002 but not later than April 1, 2002,
whichever date is applicable being hereinafter called the Commencement Date of
this Lease, and ending ten (10) years after the Commencement Date of this Lease.
Tender of substantial completion of the Leased Premises by the Tenant to the
Landlord shall be evidenced by a written notice given by the Tenant to the
Landlord, accompanied by a copy of any necessary certificate of occupancy and
architects certificates, stating that the building and other improvements to be
constructed on the Leased Premises have been substantially completed for its
intended use as hereinafter provided and is ready for occupancy as a banking
office building by the Tenant. If the Commencement Date of this Lease shall be a
day other than the first day of the calendar month, then the term of this Lease
shall be deemed extended by the number of days between the Commencement Date of
this Lease and the first day of the first calendar month following the
Commencement Date of this Lease, so that the term of this Lease shall expire ten
(10) years after such first day of the first calendar month following the
Commencement Date of this Lease. In such case, Tenant shall pay pro rata rent in
advance, for the period from the Commencement Date of this Lease to the first
day of such following calendar month based upon the monthly rental hereinafter
set forth. On or after the first day of such following calendar month, the
Tenant shall pay the rent as hereinafter provided in this Lease. Notwithstanding
the foregoing, the Commencement Date of this Lease shall be no later than the
1st day of April, 2002.

                                       1
<PAGE>

            (b) Renewal Terms. If the Tenant shall have kept and performed each
and all of its covenants and conditions, it shall have the right to extend this
Lease for five (5) additional terms of five (5) years each, with each of said
extension term to commence immediately upon the expiration of the initial term
hereof or upon the expiration of the immediately preceding extension term;
PROVIDED, that at least six (6) months prior to the expiration of the initial
term or the existing renewal term, whichever is applicable, the Tenant notifies
the Landlord, in writing, of its election to renew and extend this Lease. All of
the covenants, conditions and agreements herein agreed to be kept and performed
by Tenant and Landlord shall continue throughout any such extension term except
the base rental shall change as hereinafter provided. Anything contained in this
Lease to the contrary notwithstanding, the Tenant shall have no right to extend
this Lease (i) if the Tenant is in default hereunder at the time of commencement
of any extension term, (ii) if the Tenant is in default hereunder at the time of
the termination of the prior term, or (iii) after termination of this Lease.

         3. RENT.

            (a) The base rent for the initial term shall be Forty-one Thousand
Five Hundred and 00/100 ($41,500.00) which shall be payable in one hundred
twenty (120) equal monthly installments of Three Thousand Four Hundred
Fifty-eight and 33/100 ($3,458.33) with the first such monthly installment
becoming due and payable on or before the Commencement Date if that date is the
first day of a month, and if not, then on or before the first calendar month
following the Commencement Date of this Lease, together with the pro rate rental
hereinbefore provided for between the Commencement Date and the first day of the
first calendar month following the Commencement Date, and a like installment
becoming due and payable on or before the first day of each month thereafter
until the full rental sum as hereinbefore set forth shall have been paid in
full. All payments of rent shall be made by the Tenant to the Landlord without
notice or demand, at such place in the United States of America as the Landlord
may from time to time designate in writing. For the present, the Landlord
designates 300 Foxcroft Avenue, Suite 300, Martinsburg, West Virginia 25401, as
the place of making of the payments of rent. All rents shall be payable in
current legal tender of the United States of America as the same is then, by
law, constituted. The extension of time for the payment of any installment of
rent, or the acceptance by the Landlord of any money other than the kind herein
specified shall not be a waiver of the rights of the Landlord to insist on
having all other payments of rent made in the manner and at the time herein
specified.

            (b) It is the intention of the Landlord and the Tenant that the rent
herein specified shall be net to the Landlord during the entire term of this
lease, that all costs, expenses, and obligations of every kind relating to the
Leased Premises (except as otherwise specifically provided in this lease) which
may arise or become due during the term of this lease, shall be paid by the
Tenant, and the Landlord shall be indemnified by the Tenant against such costs,
expenses and obligations. The Tenant shall, however, be under no obligation to
pay interest on any mortgage on the fee of the Leased Premises, any franchise or
income tax payable to the Landlord, or any gift inheritance, transfer, estate or
succession tax by reason of any present or future law which may be enacted
during the term of this lease.

            (c) The base rent shall be paid to the Landlord without notice or
demand and without abatement, deduction, or set-off (except as otherwise
specifically provided in this lease). The base rent shall be paid in equal
monthly installments in advance on the 1st day of each calendar month during the
term of this lease.

            (d) During the first three (3) years of the initial term of this
Lease, the Tenant shall receive a rent abatement of $25,000.00 per year at the
rate of $2,083.33 per month.

         4. ADDITIONAL RENT:

            (a) All other additional sums, payments, taxes, charges, premiums,
costs and expenses which the Tenant is required to pay hereunder, together with
all interest penalties that may accrue thereon in the event of the Tenant's
failure to pay such amounts and all damages, costs, and

                                       2
<PAGE>

expenses which the Landlord may incur by reason of any default of the Tenant or
failure on the Tenant's part to comply with the terms of this Lease, shall be
deemed to be additional rent and, in the event of nonpayment by the Tenant, the
Landlord shall have all the rights and remedies with respect thereto as the
Landlord has for the nonpayment of the base rent. The Landlord upon receipt of
any such bills, statements or charges shall deliver them promptly to the Tenant.

            (b) The Tenant shall pay as additional rent, before any fine,
penalty, interest, or costs may be added thereto for the nonpayment thereof, all
real estate taxes, fire fees, ambulance fees, stormwater maintenance
assessments, repair and maintenance fees and all other levies and charges,
general and special, ordinary and extraordinary, unforeseen as well as foreseen,
of any kind, which are assessed or imposed upon the Leased Premises or any part
thereof, or become payable during the term of this lease, and all insurance
premiums for all forms of insurance covering the Leased Premises. Any additional
rent which shall become due and payable by Tenant to Landlord shall be payable,
unless otherwise provided herein, with the next regularly due monthly
installment of base rent.

            (c) Nothing contained in this Lease shall require the Tenant to pay
any franchise, corporate, state, inheritance, succession, capital levy, or
transfer tax of the Landlord or any income, profits, or revenue tax, or any
other tax, assessment, charge or levy upon the rent payable by the Tenant under
this Lease.

         5. USE OF THE LAND AND BUILDING. It is understood and agreed by the
Landlord and Tenant that the Tenant intends to use the Land for the construction
and operation of a one-story banking office building with drive-throughs and
related facilities more fully hereinbefore described and that the Land and
Building shall be used and occupied only for a banking office facility with
drive-up windows and related activities. No noxious or dangerous trade or
business shall be permitted upon the Leased Premises and no hazardous substances
or materials shall be permitted upon the Leased Premises. Copies of the proposed
building plans are annexed hereto as Exhibit "B" and made a part hereof. Any
changes to the plans shall require the approval of the Landlord, but such
approval shall not be unreasonably withheld and/or delayed. Tenant shall be
responsible for and shall secure promptly all necessary governmental approvals,
including, but not limited to site plan approvals, building permits and
certificates of occupancy.

         6. CONSTRUCTION, ALTERATIONS, REPAIRS. Tenant shall construct the
Building shown in Exhibit "B" with related improvements in a good and
workmanlike manner, using first class materials, and in accordance with all
building permits, county, state and federal regulations, including ADA.
Construction shall be commenced within ten (10) days after the building permit
shall be issued and shall be completed and occupied by the Tenant by the 28th
day of February, 2002, but this date shall be extended for all delays in
construction resulting from causes beyond the control of the Tenant with
reasonable extensions for inclement weather, labor disputes, strikes, acts of
God and other circumstances beyond the control of Tenant, provided, however,
construction shall be deemed to have been completed not later than March 31,
2002. The parties recognize that the work to be performed by the Landlord will
be completed on Landlord's adjoining land in stages, and, accordingly, the
Landlord may be and shall have the right to continue work on the public areas of
the Landlord's adjoining lands and other rental/sales units and grounds after
the Tenant has occupied the Leased Premises, but such work shall not unduly
interfere with Tenant's use and occupancy of the Leased Premises and shall not
unreasonably interfere with Tenant's access to the Leased Premises. During
construction of the Leased Premises, Tenant shall allow Landlord and Landlord's
agents access to the Leased Premises for inspecting the progress of construction
of the Building and other improvements. The Landlord will not provide Tenant
with any allowance for moving expenses.

         7. ADDITIONS, IMPROVEMENTS, ALTERATIONS AND REPAIRS. During the term of
this Lease and any renewals or extensions thereof, Tenant shall construct the
initial improvements and thereafter make all needed additions, improvements,
alterations and repairs of every type and nature. Tenant shall maintain the
Leased Premises in first class condition at all times during the term of this

                                       3
<PAGE>

Lease and any extensions or renewals thereof. In the event Tenant fails to make
any needed additions, alterations, improvements and repairs, the Landlord may,
but shall not be required to, enter upon the premises and perform the same.
After completion of any such additions, improvements, alterations and repairs,
the Landlord may charge the cost of such to the Tenant as additional rent.

            All structures, improvements and fixtures of any nature constructed
or installed by Tenant on the Land or within the Building, including the
Building, shall become the property of Landlord and shall not be removed
therefrom by Tenant; provided, however, notwithstanding the foregoing, removable
trade fixtures shall be removed from the Leased Premises at the completion of
the term of this Lease, including any renewals or extensions thereof. Tenant
shall repair any damage caused by the removal. If Tenant fails to remove such
trade fixtures, Landlord may deem the trade fixtures part of the Leased Premises
or may remove and dispose of such fixtures at Tenant's expense at Landlord's
option.

            The initial construction and all changes, additions and alterations
to the Building and the Land made by the Tenant and not before by the Landlord
shall be made subject to the following conditions:

                  (i) No change or alteration shall at any time be made which
shall impair the structural soundness or diminish the value of the Leased
Premises.

                  (ii) No change or alteration shall be made without the prior
written consent of the Landlord, which consent shall not be unreasonably
withheld, provided, however, the Tenant may, after the initial construction of
the Leased Premises, at Tenant's expense, make such interior changes,
alterations, additions or improvements to the Leased Premises as will, in the
judgment of the Tenant, better adapt the same for Tenant's needs, provided that
Tenant must obtain Landlord's prior written consent for any structural
alterations and any changes, alterations or additions that can affect the common
areas, which consent shall not be unreasonably withheld or delayed.

                  (iii) Before commencing any change or alteration, the Tenant
shall procure and deliver to the Landlord written evidence that the Tenant has
procured and paid for all required municipal and other governmental permits and
authorizations of the various governmental subdivisions having jurisdiction.

                  (iv) All work done in connection with any change or addition
shall be done in a good and workmanlike manner and in compliance with the
building and zoning laws, and with all other laws, ordinances, orders, rules,
regulations and requirements of all federal, state and municipal governments and
the appropriate departments, commissions, boards and offices thereof, and in
accordance with the orders, rules and regulations of the state fire marshall's
office or the board of fire underwriters or any other body now or hereafter
constituted exercising similar functions and the Tenant shall procure
certificates of occupancy and other certificates if required by law.

                  (v) At all times when any change or alteration is in progress,
there shall be maintained, at the Tenant's expense, worker's compensation
insurance in accordance with law covering all persons employed in connection
with the change or alteration, and general liability insurance for the mutual
benefit of the Tenant and the Landlord expressly covering the additional hazards
due to the change or alteration.

                  (vi) Before the commencement of any such work, the Tenant
shall provide the Landlord with written evidence that the Tenant is capable of
and has made arrangements for funds sufficient in amount to cover the entire
cost of such alterations and improvements.

         8. INSURANCE. At all times after the date of this Lease and
commencement of construction of the Building and other improvements on the Land,
Tenant shall carry and keep in effect during the term of this Lease and any
extension or renewal periods, at its own expense, one or more

                                       4
<PAGE>

policies of insurance issued by one or more insurance companies acceptable to
Landlord with the following minimum coverages as follows:

                  (a) Fire and extended coverage on the Building and other
insurance improvements for the full replacement value thereof;

                  (b) Worker's compensation: minimum statutory amount;

                  (c) Comprehensive General Liability Insurance, including
blanket, contractual liability, broad form property damage, personal injury,
completed operations, products liability, and fire damage: Not less than
$1,000,000.00 Combined Single Limit for both bodily injury and property damage.

                  (d) Fire and Extended Coverage, Vandalism and Malicious
Mischief, and Sprinkler Leakage insurance, if applicable, for the full cost of
replacement of Tenant's property.

                  (e) Business interruption insurance.

         The insurance policy or policies shall protect Tenant and Landlord as
their interests may appear, naming Landlord and Landlord's managing agent and
mortgages as additional insureds, and shall provide that they may not be
canceled on less than thirty (30) days prior written notice to Landlord. Tenant
shall furnish Landlord with Certificates of Insurance evidencing all required
coverage. Should Tenant fail to carry such insurance and furnish Landlord with
such Certificates of Insurance after a request to do so, Landlord shall have the
right to obtain such insurance and collect the cost thereof from Tenant as
additional rent.

         9. INDEMNIFICATION. Landlord shall not be liable to Tenant or to any
other person for (i) damage to property or injury or death to persons due to the
condition of the Leased Premises, or (ii) the occurrence of any accident in or
about the Leased Premises, or (iii) any act or neglect of Tenant or of any other
person, unless such damage, injury or death is primarily the result of
Landlord's negligence; and Tenant hereby releases Landlord from any and all
liability for the same. Tenant shall be liable for, and shall indemnify and
defend Landlord and hold it harmless from, any and all liability for (i) any act
or neglect of Tenant and any person coming on the Leased Premises by the license
of Tenant, express or implied, (ii) any damage to the Leased Premises, and (iii)
any loss of or damage or injury to any person (including death resulting
therefrom) or property occurring in, on or about the Leased Premises, regardless
of cause, except for any loss or damage from fire or casualty as provided in
Paragraph 7 (b) and except for that caused primarily by Landlord's negligence or
the negligence of its employees, agents, representatives or invitees.

         10. LANDLORD INSPECTION. At all times during the term of this Lease,
the Landlord shall have the right, by itself, its heirs, agents, and employees
to enter into and upon the Leased Premises during reasonable business hours for
the purpose of examining and inspecting the same and determining whether the
Tenant has complied with its obligations hereunder with respect to the care and
maintenance of the Leased Premises and the repair or rebuilding of the
improvements thereon when necessary.

         11. SUBLETTING AND ASSIGNMENT:

             Tenant may not sublet all or any part of the Leased Premises and
may not assign this Lease without Landlord's prior written consent, which
consent will not be unreasonably withheld or delayed; provided, however, that
the Tenant shall not be relieved from its obligations under this Lease by such
subletting or assignment unless relieved by Landlord in writing; and further
provided, however, that until the completion of the Building and other
improvements contemplated under this Lease, Tenant shall not have the right to
sublet or assign this Lease.

         12. COVENANT AGAINST WASTE AND OBLIGATION TO MAINTAIN AND REPAIR.
Tenant shall not cause or permit any waste, damage or injury to the Leased
Premises. Tenant

                                       5
<PAGE>

shall use all reasonable efforts to keep the Leased Premises and the sidewalks,
parking areas, curbs and other improvements located on the Land clean and in
good condition, free of accumulation of dirt, rubbish, snow, ice and after
completion of the Building, shall make all repairs (including structural
repairs) and replacements necessary to maintain the Leased Premises and all
improvements thereon in a condition appropriate for buildings of similar
construction, use and class in the area of the Land, and in any event shall make
all repairs necessary to avoid any structural damage or injury to the Building.
After completion of the Building and other improvements, Tenant shall not remove
or permit the removal of any of the utility systems servicing the Leased
Premises unless other equipment at least equal in value and utilities shall be
promptly substituted therefor or a new Building and other improvements is to be
constructed.

         13. COMPLIANCE WITH ORDERS, ORDINANCES, ETC. After the date of this
Lease and commencing with the construction of the Building and other
improvements, Tenant shall promptly comply with (a) all laws and ordinances and
the orders, rules, regulations and requirements of all federal, state and
municipal governments and appropriate departments, commissions, boards and
officers thereof, and the orders, rules and regulations of the board of fire
underwriters which has jurisdiction or any other body hereafter constituted
exercising similar functions which may be applicable to the Leased Premises or
the use or manner of use of the Leased Premises, including, but not being
limited to, building, ADA and environmental laws, orders and regulations of any
type or nature, and (b) the requirements of all policies of public liability,
fire and all other policies of insurance required to be carried hereunder by the
Tenant.

         14. CASUALTY OR OTHER LOSS. In case of damage to or destruction of the
Building or other improvements by fire or any other cause, similar or
dissimilar, insured or uninsured, Tenant shall restore, repair and replace or
rebuild the Building and other improvements as nearly as may be practicable to
the condition, quality and class as the same was in immediately prior to such
damage or destruction or with such changes or alterations (including demolition
of the Building) as Tenant shall elect to make with the mutual approval of the
Landlord, which approval shall not be unreasonably withheld or delayed. Such
restoration, repairs, replacement or rebuilding shall be commenced with
reasonable promptness and prosecuted with reasonable diligence. If such damage
or destruction shall occur during the last two years of the then current term,
Tenant shall have the right, subject to consent of the holders of all mortgages,
to terminate this Lease by giving Landlord notice of its election so to do
within sixty (60) days after the date of such damage or destruction, and upon
the giving of such notice, this Lease shall terminate and neither party shall
have any further rights or obligations hereunder, except and provided however,
that Tenant shall assign all insurance proceeds or the right to receive the same
to the Landlord. The basic rent payable hereunder shall be abated from the date
of the casualty until the completion of the restoration, repairs, replacement or
rebuilding, but only to the extent of the net amount actually received by
Landlord under the Business Interruption Insurance required to be carried by
Tenant under Paragraph 8(e) of this Lease.

         15. EMINENT DOMAIN.

             (a) If the whole or part of the Land shall be acquired or condemned
by eminent domain for any public or quasi-public use or purpose, then, in that
event, the term of this Lease shall cease and the Lease shall terminate from the
date on which title vested in the applicable governmental authority.

             (b) Any award for condemnation shall be paid as follows:

                 (i) First to the Landlord the full value of Landlord's fee
simple interest in the Land, the Tenant hereby (1) assigns to the Landlord all
of the Tenant's right, title and interest, if any, in and to any such award; (2)
waives any right which it may otherwise have in connection with such
condemnation, against the Landlord or such condemning authority, to any payment
for (a) the value of the then unexpired portion of the term, (b) any damage to
or diminution of the value of the Tenant's leasehold interest hereunder or any
portion of the Land and Building not covered by such condemnation, and (c)

                                       6
<PAGE>

agrees to execute any and all further documents which may required to facilitate
the Landlord's collection of any and all such awards;

                 (ii) Secondly, to the Tenant to the extent required to satisfy
Tenant's construction mortgage and any other lien for which Tenant received
express written permission of the Landlord to incur; and

                 (iii) Third, the balance of the award shall belong to the
Landlord.

         16. MORTGAGES.

             (a) Tenant may grant a mortgage upon this Lease and leasehold
estate hereby created with the financing of the construction described in
Exhibit "B" hereto. Such mortgage and/or deed of trust shall, be, at all times,
subordinate to the ownership rights of the Landlord. Tenant may not grant or
suffer any other liens upon the premises without the express written consent of
the Landlord. Tenant shall be required to satisfy any liens not expressly
approved by Landlord within thirty (30) days after receipt of notice of the
existence of such liens. Failure to do so shall be an event of default under the
terms of this Lease Agreement.

             (b) In any mortgage and/or deed of trust which Landlord may now or
hereafter place against the Land, Tenant agrees that its interest shall be
subordinate. Tenant shall execute any documents reasonably required by Landlord
to evidence such subordination.

         17. SIGNAGE: Tenant shall be permitted to design and build an exterior
identification sign of such dimensions and location as shall be mutually agreed
upon between Landlord and Tenant. Except as hereinbefore provided, Tenant shall
not display, erect, place or affix any lettering, signs, or any other like
advertising on the windows, exterior doors, exterior walls, lawns or elsewhere
on the Leased Premises which would be externally visible without the prior
written consent of the Landlord. The obtaining of any permits or other
governmental approvals for the erection and placement of any such signage shall
be the sole responsibility of the Tenant.

         18. GARBAGE AND TRASH COLLECTION: All garbage and trash shall be placed
for collection in sealed containers at such location and in such manner and at
such time as shall be required by the Landlord. The Tenant shall pay all garbage
and trash collection costs. Landlord may remedy any default by Tenant in
complying with this covenant; expend all necessary sums therefor at Tenant's
expense and collect the same from the Tenant as additional rent.

         19. OBSTRUCTIONS: Neither Landlord nor Tenant shall store or place any
materials of whatsoever kind or nature or any obstructions in the common access
area or on the sidewalks or parking areas.

         20. QUIET ENJOYMENT. Tenant, upon paying the basic rent, additional
rent and all charges herein provided for and upon observing and keeping all of
the covenants, agreements and provisions of this Lease on its part to be
observed and kept, shall lawfully and quietly hold, occupy and enjoy the Leased
Premises during the term of this Lease without hindrance or molestation from the
Landlord.

         21. DEFAULT:

             (a) In the event that Tenant (i) fails to pay all or any portion of
the base rent, additional rent or any other sum due from Tenant hereunder when
due; (ii) fails to cease all conduct prohibited hereby immediately upon receipt
of written notice from Landlord; (iii) fails to take actions in accordance with
the provisions of written notice from Landlord to remedy Tenant's failure to
perform any of the terms, covenants, and conditions hereof; (iv) vacates or
deserts the Leased Premises; (v) commits an act in violation of this Lease which
Landlord has previously notified Tenant to cease more than once in

                                       7
<PAGE>

any year; (vi) becomes bankrupt, insolvent or files any debtor proceeding, takes
or has taken against Tenant any petition of bankruptcy; takes action or has
action taken against Tenant for the appointment of a receiver for all or a
portion of Tenant's assets; files a petition for a corporate reorganization;
makes an assignment for the benefit of creditors, or if in any other manner
Tenant's interest hereunder shall pass to another by operation of law (any or
all of the occurrences in this said Section 21 (vi) shall be deemed a default on
account of bankruptcy for the purposes hereof and such default on account of
bankruptcy shall apply to and include any Guarantor of this Lease; (vii) commits
waste to the Leased Premises and appurtenant improvements; or (viii) is
otherwise in breach of Tenant's obligations hereunder then the Tenant shall be
in default hereunder, and if such default, being for other than the non-payment
of rent, additional rent or cash payments, shall continue for a period of twenty
(20) days after written notice from the Landlord calling attention to such
default and specifying the nature of the default claimed, unless such default
shall be of such nature that it cannot be completely cleared within such twenty
(20) day period, and Tenant within said twenty (20) day period has commenced to
cure such default and has thereafter continued curing such default with
reasonable diligence, or if such default shall be for non-payment of rent,
additional rent or cash payments to be made by Tenant, if any, and the same
shall not be cured within ten (10) days after written notice from the Landlord
of notice of such non-payment, Landlord may, at its option and without notice to
the Tenant, terminate Tenant's right to possession of the Leased Premises and
without terminating this Lease re-enter and resume possession of the Leased
Premises and/or declare this Lease terminated, and may thereupon, in either
event, remove all persons and property from the Leased Premises, with or without
resort to process of any court, either by force or otherwise. Notwithstanding
such reentry by Landlord, Tenant hereby indemnifies and holds Landlord harmless
from any and all loss or damage which Tenant may incur by reason of the
termination of this Lease and/or Tenant's right to possession hereunder. In no
event shall Tenant's termination of this Lease and/or Tenant's right to
possession of the Property abrogate Tenant's agreement to pay rent and any other
charges due hereunder for the full term hereof. Following reentry of the
Property by Landlord, Tenant shall continue to pay all such rent and any other
charges as same become due under the terms of this Lease, together with all
other expenses incurred by Landlord in regaining possession until such time, if
any, as Landlord relets same and the Property are occupied by such successor.
Upon reletting, sums received from such new Tenant by Landlord shall be applied
first to payment of costs incident to reletting; any excess shall then be
applied to any indebtedness to Landlord from Tenant other than for base rent and
additional rent; and any excess shall then be applied to the payment of the base
rent and additional rent due and unpaid. The balance, if any, between all
amounts to be received hereunder and the sums received by the Landlord on
reletting shall be paid by Tenant to Landlord in full at such times as may be
specified in a notice from Landlord to Tenant. Tenant shall have no right to any
proceeds of reletting that remain following the application of the same in the
manner set forth herein. In addition to Landlord's rights and remedies as
specified above, Landlord shall, in the event of Tenant's default, also have the
right to accelerate the base and additional rent for the balance of the Lease
term and, upon Landlord's election, the present value thereof shall be
immediately due and payable by Tenant to Landlord. The discount rate used in the
present value calculation shall be seven percent (7%).

             (b) The various rights and remedies herein granted to Landlord
pursuant to this Lease shall be cumulative and in addition to any others
Landlord may be entitled by law or in equity, and the exercise of one or more
rights or remedies shall not impair Landlord's right to exercise any other right
or remedy. In all events, Landlord shall have the right upon notice to Tenant to
cure any breach by Tenant at Tenant's sole cost and expense, and Tenant shall
reimburse Landlord for such expense upon demand.

             (c) If Landlord shall not be permitted to terminate this Lease as
hereinabove provided because of the provisions of Title 11 of the United States
Code relating to Bankruptcy, as amended ("Bankruptcy Code"), then Tenant, as a
debtor in possession or any trustee for Tenant agrees promptly, within no more
than fifteen (15) days following request by the Landlord to the Bankruptcy
Court, to assume or reject this Lease, and Tenant on behalf of itself and any
trustee agrees not to seek or request any extension or adjournment of any
application to assume or reject this Lease by Landlord with

                                       8
<PAGE>

such Court. In such event, Tenant or any trustee for the Tenant may only assume
this Lease if (i) it cures or provides adequate assurance that the trustee will
promptly cure any default hereunder, (ii) it will promptly compensate Landlord
for any actual pecuniary loss to Landlord resulting from Tenant's defaults, and
(iii) it provides adequate assurance of performance during the fully stated term
hereof of all the terms, covenants, and provision of this Lease to be performed
by Tenant. In no event after the assumption of this Lease shall any then
existing default remain uncured for a period in excess of the earlier of ten
(10) days or the time period set forth herein. Adequate assurance of performance
of this Lease as set forth hereinabove shall include without limitation,
adequate assurance (i) of the source of rent reserved hereunder, (ii) the
assumption of this Lease will not breach any provisions hereunder. In the event
of a filing of a petition under the Bankruptcy Code, Landlord shall have no
obligation to provide Tenant with any services or utilities as herein required,
unless Tenant shall have paid and be current in all payments of operating costs,
utilities and other charges therefor.

         22. ESTOPPEL CERTIFICATE:

             The Tenant shall from time to time, within ten (10) days after
being requested to do so by the Landlord or any Mortgagee, execute, enseal,
acknowledge and deliver to the Landlord (or, at the Landlord's request, to any
existing or prospective purchaser, transferee, assignee or Mortgagee of any or
all of the property, any interest therein or any of the Landlord's rights under
this Lease) an instrument in recordable form,

             (a) Certifying (i) that this Lease is unmodified and in full force
and effect (or, if there has been any modification thereof, that it is in full
force and effect as so modified, stating therein the nature of such
modification); (ii) as to the dates to which the base rent and any additional
rent and other charges arising hereunder have been paid; (iii) as to the amount
of any prepaid rent or any credit due to the Tenant hereunder; (iv) that the
Tenant has accepted possession of the Leased Premises and the date on which the
Lease commenced; (v) as to whether, to the best knowledge, information and
belief of the signer of such certificate, the Landlord or the Tenant is then in
default in performing any of its obligations hereunder (and, if so, specifying
the nature of each such default); and (vi) as to any other fact or condition
reasonably requested by the Landlord or such other addressee; and

             (b) Acknowledging and agreeing that any statement contained in such
certificate may be relied upon by the Landlord and any such other addressee.

         23. NOTICE: Any notice, demand, consent, approval, request or other
communication or document to be provided hereunder to a party hereto shall be
(a) given in writing, and (b) be deemed to have been given (i) forty-eight (48)
hours after being sent as certified or registered mail in the United States
mails, postage prepaid, return receipt requested, addressed, if intended for
Landlord, to Landlord's Notice Address, and if to Tenant, to Tenant's Notice
Address, or to such other address in the United Sates of America as such party
may designate from time to time by notice to the other, or (ii) (if such party's
receipt thereof is acknowledged in writing) upon its hand or other delivery to
such party.

                  Landlord's Notice Address:
                  Columbus, LLC
                  Suite 300
                  300 Foxcroft Avenue
                  Martinsburg, West Virginia 25401

                                       9
<PAGE>

                  Tenant's Notice Address:

                  Centra Bank, Inc.
                  300 Foxcroft Avenue
                  Suite 101
                  Martinsburg, West Virginia 25401
                  ATTENTION: Henry M. Kayes, Jr.

         24. MISCELLANEOUS:

             (a) The waiver by Landlord or Tenant of any breach of any term,
covenant or condition herein contained shall not be deemed to nullify such term,
covenant or condition or to waive any subsequent breach of the same or any other
term, covenant or condition herein contained. The subsequent acceptance of rent
hereunder by Landlord shall not be deemed to be a waiver of any preceding breach
by Tenant of any term, covenant or condition of this Lease, other than the
failure of Tenant to pay the particular rent so accepted, regardless of
Landlord's knowledge of a preceding breach at the time of such acceptance of
rent. No covenant, term or condition of this Lease shall be deemed to have been
waived by Landlord or Tenant, unless such waiver be in writing by Landlord or
Tenant.

             (b) No payment by Tenant or receipt by Landlord of a lesser amount
than the rent paid as herein stipulated shall be deemed to be other than on
account of the earliest payment due, nor shall any endorsement or statement on
any check or any letter accompanying any check or payment as rent be deemed an
accord and satisfaction, and the Landlord may accept such check or payment
without prejudice to Landlord's right to recover the balance of such rent or
pursue any other remedy in this Lease provided.

             (c) This Lease, including the exhibits attached hereto and made a
part hereof, sets forth all the covenants, promises, agreements, conditions and
understandings between Landlord and Tenant concerning the Leased Premises, and
there are no covenants, promises, agreements, conditions or understandings,
either oral or written between them other than as set forth herein. Except as
herein otherwise provided, no subsequent alteration, amendment, change or
addition to this Lease shall be binding upon the Landlord or Tenant unless
reduced to writing and signed by them. Landlord and Tenant agree that the fact
either one of them may have drafted this Lease or any portion thereof shall not
be used to construe such provisions against its author.

             (d) In the event the Landlord or Tenant is delayed, hindered in or
prevented from doing or performing any act or thing required hereunder by reason
of strikes, lock-outs, casualties, acts of God, labor troubles, inability to
procure materials, financing, failure of power, governmental laws or
regulations, riots, insurrection, war, weather or other causes beyond the
reasonable control of Landlord or Tenant, then Landlord or Tenant shall not be
in default and the Landlord or Tenant shall not be liable or responsible for any
such delays and the doing or performing of such act or thing shall be excused
for the period of the delay and the period for the performance by Landlord or
Tenant of any such act shall be extended for a period equivalent to the period
of such delay.

             (e) The captions, section numbers, article numbers, and index
appearing in this Lease are inserted only as a matter of convenience and in no
way define, limit, construe, or describe the scope or intent of such section or
articles of this Lease nor in any way affect this Lease.

             (f) If any term, covenant or condition of this Lease or the
application thereof to any person or circumstance shall, to any extent, be
invalid or unenforceable, the remainder of this Lease, or the application of
such term, covenant or condition to persons or circumstances other than those as
to which it is held invalid or unenforceable, shall not be affected thereby and
each term, covenant or condition of this Lease shall be valid and enforced to
the fullest extent permitted by law.

                                       10
<PAGE>

             (g) Tenant agrees not to record this Lease. However, Tenant and
Landlord, upon request of either, agree to execute and deliver a memorandum or
so-called "short form" of this Lease in recordable form for the purpose of
recordation at the Tenant's expense. Said memorandum or short form of this Lease
shall describe only the parties, the property and the Lease term and shall
incorporate this Lease by reference.

             (h) The laws of the State in which the property is located govern
the validity, performance and enforcement of this Lease. Landlord and Tenant
hereby agree that a usufructuary interest shall be created by virtue of this
agreement and that no estate in land capable of being transferred by Tenant has
been granted to Tenant under this Lease.

             (i) Time is of the essence in this agreement

             (j) Except as otherwise provided herein, this Lease shall be
binding upon and inure to the benefit of the parties hereto and their respective
heirs, personal representatives, executors, successors and assigns.

         25. OPTION TO PURCHASE: Provided that this Lease is then in full force
and effect and Tenant is not then in default hereunder, Landlord grants to
Tenant the right, at Tenant's option, to purchase the fee simple interest
reversionary estate of Landlord in and to the Land upon the following terms and
conditions:

             (a) The exercise of this Option to Purchase shall occur on a date
not earlier than that date which is thirteen (13) months after the day upon
which Tenant first opens for business in the Leased Premises and not later than
thirty-six (36) months after said date.

             (b) The Option to Purchase may only be exercised by Tenant
furnishing Landlord written notice of its intention to exercise the Option to
Purchase by notice given as provided in this Lease, not earlier than that date
which is thirteen (13) months after the day upon which Tenant first opens for
business in the Leased Premises and not later than thirty-six (36) months after
said date, together with a cashier's or certified check in the amount of
$25,000.00 representing deposit money paid on account of the purchase.

             (c) The purchase price for the Land shall be Four Hundred Fifteen
Thousand and 00/100 ($415,000.00). The Leased Premises shall be conveyed in fee
simple with covenants of general warranty and settlement shall be held no later
than thirty (30) days following the date upon which Tenant exercises the Option
to Purchase. Settlement shall be held during regular business hours at a time
and place mutually agreed to by Landlord and Tenant in Berkeley County, West
Virginia. At settlement, the balance of the purchase price after credit for the
deposit money shall be paid by Tenant to Landlord by cash or cashier's or
certified check.

             (d) At the time of settlement and upon payment of the unpaid
balance of the purchase price, Landlord shall convey the Leased Premises to
Tenant by general warranty deed with good and marketable fee simple title of
record and in fact free and clear of all liens and encumbrances but subject to
covenants, conditions, easements and restrictions applicable to the Leased
Premises as of the date of the execution of this Lease and any such covenants,
conditions, easements and restrictions made by or with the consent of the Tenant
prior to settlement.

             (e) Taxes and rents shall be prorated as of the date of settlement.
Landlord shall pay for the cost of preparing the deed and excise tax on the
transfer of real estate and Tenant shall pay all other closing costs.

             (f) Tenant shall not have the right to assign this Option to
Purchase without the prior written consent of the Landlord provided Tenant may
assign the same to any other institution or entity which may acquire the Tenant
through purchase or merger.

                                       11
<PAGE>

             (g) If Tenant does not exercise the Option to Purchase herein set
forth or after having exercised the Option to Purchase fails to settle through
no fault of Landlord, Tenant agrees to enter into a termination agreement
releasing the Option to Purchase if the same has been recorded through a
memorandum of lease or otherwise, insofar as such memorandum of lease discloses
and relates to the Option to Purchase. Tenant hereby irrevocably appoints Mary
Clare Eros of Jackson & Kelly as Tenant's limited attorney-in-fact for the
purpose and sole purpose of executing a termination agreement releasing the
Option to Purchase if the same has been recorded through a memorandum of lease
or otherwise insofar and only to the extent as hereinbefore stated, if Tenant
fails to do so within fifteen (15) days after being requested by Landlord to do
so. Tenant further agrees that Tenant's attorney-in-fact is authorized to
execute such release upon receipt from Landlord of a written request to do so
accompanied by a true copy of the Landlord's written request to Tenant to
provide such release and an affidavit by Landlord stating and certifying that
the notice for release request were mailed or delivered as required by the
notice provisions of the Lease, the date of mailing or delivery and that the
Tenant failed to execute the Option to Purchase or having executed the Option to
Purchase has failed to settle through no fault of the Landlord.

         IN WITNESS WHEREOF, the parties hereto, intending to be legally bound,
have executed this Lease under their respective hands and seals as of the day
and year first above written.

                                    LANDLORD: COLUMBUS, LLC, a West Virginia
                                    limited liability company
ATTEST:

                                    By:
                                       --------------------------------------
                                    Bruce M. Van Wyk, Member-Manager
---------------------------

                                    TENANT: CENTRA BANK, INC., a West Virginia
                                    corporation
ATTEST:

                                    By
                                       --------------------------------------
                                    Henry M. Kayes, Jr.
---------------------------

                                       12
<PAGE>

STATE OF WEST VIRGINIA,
COUNTY OF BERKELEY, to-wit:

         I, , a notary public of said county, do certify that BRUCE M. VAN WYK,
the Member-Manager of COLUMBUS, LLC, a West Virginia limited liability company,
who signed the writing hereto annexed, bearing date as of the 10th day of March,
2002, has this day in my said county, before me, acknowledged the same to be the
act and deed of said limited liability company.
         Given under my hand this _______ day of October, 2001.

                                              ----------------------------------
                                              Notary Public

My commission expires:

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

STATE OF WEST VIRGINIA,
COUNTY OF BERKELEY, to-wit:

         I, ___________________________, a Notary Public in and for said County
and State, do hereby certify that HENRY M. KAYES, JR., the Vice President and
COO, who signed the writing above for CENTRA BANK, INC., a West Virginia
corporation, bearing date the 10th day of October, 2001, has this day
acknowledged the same before me in my said County to be the act and deed of said
corporation.

         Given under my hand this _______ day of October, 2001.

                                                --------------------------------
                                                Notary Public
My commission expires:

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

                                       13

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