Document:

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                                                                    Exhibit 10.8

                        EXECUTIVE SUPPLEMENTAL RETIREMENT

                                    AGREEMENT

     THIS Executive Supplemental Retirement Agreement (hereinafter referred to
as the "Executive Agreement") is made and entered into this 8th day of
June, 2004, by and between Gwinnett Banking Company, a bank organized
and existing under the laws of the State of Georgia (hereinafter referred to as
the "Bank"), and Thomas L. Dorman, an Executive of the Bank (hereinafter
referred to as the "Executive").

                                    RECITALS

     WHEREAS, the Executive is now in the employ of the Bank and has for many
years faithfully served the Bank, it is the consensus of the Board of Directors
(hereinafter referred to as the "Board") that the Executive's services have been
of exceptional merit, in excess of the compensation paid and an invaluable
contribution to the profits and position of the Bank in its field of activity.
The Board further believes that the Executive's experience, knowledge of
corporate affairs, reputation, and industry contacts are of such value, and the
Executive's continued services so essential to the Bank's future growth and
profits, that it would suffer severe financial loss should the Executive
terminate his service with the Bank.

     In consideration of the valuable services rendered and to be rendered by
the Executive, the Board has deemed it advisable and in the best interest of the
Bank to provide supplemental retirement benefits and certain death benefits to
the Executive in accordance with the terms and provisions of this Executive
Agreement as an inducement to the Executive to continue in the employment of the
Bank and to provide the Executive with greater security and peace of mind.

     NOW THEREFORE, in consideration of services the Executive has performed in
the past and those to be performed in the future, and based upon the mutual
promises and covenants herein contained, the Bank and the Executive agree as
follows:

I.   DEFINITIONS

     As used in this Executive Agreement, including this Paragraph I, the
following definitions shall be applicable:

     A.   Effective Date:

          The "Effective Date" of this Executive Agreement shall be April 2,
          2004.

     B.   Plan Year:

          Any reference to the "Plan Year" shall mean a calendar year from
          January 1st to December 31st. In the year of implementation, the term
          the "Plan Year" shall mean the period from the Effective Date to
          December 31st of the year of the

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          Effective Date.

     C.   Retirement Date:

          "Retirement Date" shall mean retirement of the Executive from service
          with the Bank which becomes effective on the first day of the calendar
          month following the month in which the Executive reaches his Normal
          Retirement Age [Subparagraph I (I)] or such later date as the
          Executive may actually retire.

     D.   Pre-Retirement Account:

          An unfunded, separate bookkeeping account (hereinafter referred to as
          the "Pre-Retirement Account") established as a liability reserve
          account on the books of the Bank for the benefit of the Executive.
          Subject to Subparagraph I (D) (i) hereinbelow and except as otherwise
          provided in this Executive Agreement, such liability reserve account
          shall be increased or decreased each Plan Year until the Executive's
          Retirement Date [Subparagraph I (C)] (or when applicable, Normal
          Retirement Age) by the Index Retirement Benefit [Subparagraph I (E)].

                    (i)  If the Executive voluntarily resigns from service with
                         the Bank within the twelve-month period next following
                         a Change of Control his Pre-Retirement Account shall
                         not be increased or decreased with respect to any Plan
                         Year that begins after the Plan Year in which such
                         resignation occurs. With respect to the Plan Year in
                         which such resignation occurs, his Pre-Retirement
                         Account shall be increased or decreased as of the date
                         of his resignation by the Index Retirement Benefit
                         determined as of such resignation date. The Opportunity
                         Cost component of the Index Retirement Benefit shall be
                         determined as of his resignation date. If the Executive
                         voluntarily resigns from service with the Bank after
                         the expiration of the one year period next following a
                         Change of Control, his Pre- Retirement Account shall
                         continue to be increased or decreased each Plan Year in
                         the manner set forth in the first paragraph of this
                         Subparagraph I (D).

          An illustration of the calculation of the Pre-Retirement Account
          liability balance as set forth herein is attached hereto and marked as
          Exhibit "A". The numbers referred to in said Exhibit A are not actual
          nor representative of any Pre-Retirement Account liability balance
          that may be actually calculated per this Executive Agreement. Exhibit
          A is attached hereto merely for illustrative purposes only and the
          Bank does not make any promises or other representations regarding any
          said amounts set forth therein.

     E.   Index Retirement Benefit:

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          The "Index Retirement Benefit" for the Executive for each Plan Year
          shall be equal to the excess (if any) of the Index [Subparagraph I
          (F)] for that Plan Year over the Opportunity Cost [Subparagraph I (G)]
          for that Plan Year, divided by a factor equal to 1.04 minus the Bank's
          marginal tax rate for the Plan Year. The Bank's marginal tax rate
          shall be determined annually by the Bank's certified public accounting
          firm and shall be binding on the Bank and the Executive.

          An illustration of the calculation of the Index Retirement Benefit as
          set forth herein is attached hereto and marked as Exhibit "A". The
          numbers referred to in said Exhibit A are not actual nor
          representative of any Index Retirement Benefit that may be actually
          calculated per this Executive Agreement. Exhibit A is attached hereto
          merely for illustrative purposes only and the Bank does not make any
          promises or other representations regarding any said amounts set forth
          therein.

     F.   Index:

          The Index for any Plan Year shall be the aggregate annual after-tax
          income from the life insurance contract(s) described hereinafter as
          defined by FASB Technical Bulletin 85-4. This Index shall be applied
          as if such insurance contract(s) were purchased on the Effective Date
          of this Executive Agreement.

          Insurance Company:          Security Life of Denver Insurance Company
          Policy Form:                Flexible Premium Adjustable Life Insurance
          Policy Name:                Executive UL
          Insured's Age and Sex:      60 / Male
          Riders:                     None
          Ratings:                    None
          Option:                     Level Death Benefit
          Face Amount:                $1,280,459
          Premiums Paid:              $670,000
          Number of Premium Payments: Single Premium Payment
          Assumed Purchase Date:      April 2, 2004

          If such contracts of life insurance are actually purchased by the
          Bank, then the actual policies as of the dates they were actually
          purchased shall be used in calculations under this Executive
          Agreement. If such contracts of life insurance are not purchased or
          are subsequently surrendered or lapsed, then the Bank shall utilize
          for purposes of this Executive Agreement annual policy illustrations
          that assume the above-described policies were purchased or had not
          subsequently surrendered or lapsed, which illustrations will be
          obtained from the respective insurance companies and will indicate the
          increase in policy values for purposes of calculating the amount of
          the Index.

          In either case, references to the life insurance contracts are merely
          for purposes of calculating the Index Retirement Benefit. The Bank has
          no obligation to purchase such life insurance contracts and, if
          purchased, the Executive and his

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          beneficiary(ies) shall have no ownership interest in such policy(ies)
          and shall always have no greater interest in the benefits under this
          Executive Agreement than that of an unsecured creditor of the Bank.

          An illustration of the calculation of the Index as set forth herein is
          attached hereto and marked as Exhibit "A". The numbers referred to in
          said Exhibit A are not actual nor representative of any Index that may
          be actually calculated per this Executive Agreement. Exhibit A is
          attached hereto merely for illustrative purposes only and the Bank
          does not make any promises or other representations regarding any said
          amounts set forth therein.

     G.   Opportunity Cost:

          The "Opportunity Cost" for any Plan Year shall be calculated by taking
          the sum of the amount of premiums for the life insurance policies
          described in the definition of "Index" plus the amount of any
          after-tax benefits paid to the Executive pursuant to this Executive
          Agreement (Paragraph II hereinafter) plus the amount of all previous
          years after-tax Opportunity Costs, and multiplying that sum by the
          average annualized after-tax yield of a one-year Treasury Bill. The
          "average annualized after-tax yield of a one-year Treasury Bill"
          means; (i) the sum of each of the twelve after-tax yields of a
          one-year Treasury Bill as published by the Federal Reserve as of the
          first day of each month within the Plan Year divided by twelve; (ii)
          multiplied by one minus the Bank's marginal tax rate for the Plan
          Year.

          An illustration of the calculation of the Opportunity Cost as set
          forth herein is attached hereto and marked as Exhibit "A". The numbers
          referred to in said Exhibit A are not actual nor representative of any
          Opportunity Cost that may be actually calculated per this Executive
          Agreement. Exhibit A is attached hereto merely for illustrative
          purposes only and the Bank does not make any promises or other
          representations regarding any said amounts set forth therein.

     H.   Change of Control:

          "Change of Control" shall be deemed to have occurred upon the
          cumulative transfer of more than twenty-five percent (25%) of the
          voting stock of the Bank from and after the Effective Date of this
          Executive Agreement. For purposes of this Executive Agreement,
          transfers of the voting stock of the Bank on account of deaths or
          gifts, transfers between family members or transfers to a qualified
          retirement plan maintained by the Bank shall not be considered in
          determining whether there has been a Change of Control.

     I.   Normal Retirement Age:

          "Normal Retirement Age" shall mean the date on which the Executive
          attains age sixty-five (65).

II.  INDEX BENEFITS

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     A.   Retirement Benefits:

          Subject to Subparagraph II (D) hereinafter, if the Executive remains
          an employee of the Bank until his Normal Retirement Age he shall be
          entitled to receive the balance in his Pre-Retirement Account in ten
          (10) equal annual installments. The first installment shall commence
          within the thirty (30) day period next following his Retirement Date.
          The Executive shall have the option, said option to be exercised in
          writing at least one (1) year prior to said retirement, to receive the
          benefits provided herein in a lump sum or in five (5) equal annual
          installments. If the Executive fails to exercise said option, then the
          Executive shall receive the payments in ten (10) equal annual
          installments as provided herein. In addition to these benefit payments
          and commencing in conjunction therewith, the Index Retirement Benefit
          [Subparagraph I (E)] for each Plan Year subsequent to the Executive's
          retirement, and including the remaining portion of the Plan Year
          following said retirement, shall be paid to the Executive in a lump
          sum as of the beginning of each Plan Year until the Executive's death.

     B.   Termination of Service:

          Subject to Subparagraph II (D), upon a Termination of Service, the
          Executive shall be entitled to receive one hundred percent (100%) of
          the Bank's accrued liability balance.

     C.   Death:

          Should the Executive die while there is a balance in the Executive's
          Pre-Retirement Account (regardless of whether the Executive is then in
          service), the entire unpaid balance of the Executive's vested
          Pre-Retirement Account shall be paid in a lump sum to the beneficiary
          or beneficiary(ies) the Executive may have designated in writing and
          filed with the Bank. In the absence of any effective designation of
          beneficiary(ies), the unpaid vested balance shall be paid as set forth
          herein to the duly qualified executor or administrator of the
          Executive's estate. Said payment due hereunder shall be made the first
          day of the second month following the month in which the death of the
          Executive occurred. Except as provided in this Subparagraph II (C), no
          death benefit is provided under the Executive Agreement.

     D.   Discharge for Cause:

          Should the Executive be discharged for "Cause" at any time, all
          benefits under this Executive Agreement shall be forfeited and no
          payments shall be made to the Executive under this Executive
          Agreement. The term for "cause" shall mean any of the following that
          result in an adverse effect on the Bank: (i) gross negligence or gross
          neglect of the Executive; or (ii) the commission by the Executive of a
          felony or gross misdemeanor involving moral turpitude, fraud, or
          dishonesty. If a dispute arises as to discharge for "cause", such
          dispute shall be resolved by arbitration as set forth in Subparagraph
          VI (B) of this Executive Agreement.

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     E.   Disability Benefit:

          In the event the Executive becomes disabled prior to any Termination
          of Service, and the Executive's employment is terminated because of
          such disability, he shall begin receiving the balance in his
          Pre-Retirement Account as soon as practical following his termination
          in accordance with the payment provisions described in Subparagraph II
          (A) above. Such benefit shall begin without regard to the Executive's
          Normal Retirement Age and the Executive shall be one hundred percent
          (100%) vested in his entire Pre-Retirement Account. In addition to
          these benefit payments and commencing in conjunction therewith, the
          Index Retirement Benefit [Subparagraph I (E)] for each Plan Year
          subsequent to the Executive's termination of service as a result of
          disability, and including the remaining portion of the Plan Year
          following said termination, shall be paid to the Executive in a lump
          sum as of the beginning of each Plan Year until the Executive's death.
          Disability shall be as defined in the Bank's Long Term Disability
          policy in effect at the time of the determination of said disability.

III. RESTRICTIONS UPON FUNDING

          The Bank shall have no obligation to set aside, earmark or entrust any
          fund or money with which to pay its obligations under this Executive
          Agreement. The Executive, his beneficiary(ies), or any successor in
          interest shall be and remain simply a general, unsecured creditor of
          the Bank in the same manner as any other creditor having a general
          claim for matured and unpaid compensation. The obligation of the Bank
          to make payments under this Executive Agreement shall constitute a
          general unsecured obligation of the Bank to the Executive.

          The Bank reserves the absolute right, at its sole discretion, to
          either fund the obligations undertaken by this Executive Agreement or
          to refrain from funding the same and to determine the extent, nature
          and method of such funding. Should the Bank elect to fund this
          Executive Agreement, in whole or in part, through the purchase of life
          insurance, mutual funds, disability policies or annuities, the Bank
          reserves the absolute right, in its sole discretion, to terminate such
          funding at any time, in whole or in part. At no time shall the
          Executive be deemed to have any lien nor right, title or interest in
          or to any specific funding investment or to any assets of the Bank.

          If the Bank elects to invest in a life insurance, disability or
          annuity policy upon the life of the Executive, then the Executive
          shall assist the Bank by freely submitting to a physical exam and
          supplying such additional information as may be necessary to obtain
          such insurance or annuities.

IV.  CHANGE OF CONTROL

          If the Executive is discharged by the Bank, without cause following a
          Change of Control, then the Executive shall be entitled to receive the
          benefits promised in this Executive Agreement upon attaining his
          Normal Retirement Age, as if the

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          Executive had been continuously employed by the Bank until the
          Executive's Normal Retirement Age. If the Executive voluntarily
          resigns from service with the Bank on or after the expiration of the
          twelve (12) month period next following said Change of Control, then
          the Executive shall receive one hundred percent (100%) of the benefits
          promised in this Executive Agreement as set forth in Subparagraph II
          (A) upon attaining his Normal Retirement Age, as if the Executive had
          been continuously employed by the Bank until the Executive's Normal
          Retirement Age. The Executive will also remain eligible for all
          promised death benefits in this Executive Agreement. See Subparagraph
          I (D) (i) for certain consequences that apply if the Executive
          voluntarily resigns from service with the Bank within the twelve-month
          period next following a Change of Control.

V.   MISCELLANEOUS

     A.   Alienability and Assignment Prohibition:

          Neither the Executive, nor the Executive's surviving spouse, nor any
          other beneficiary(ies) under this Executive Agreement shall have any
          power or right to transfer, assign, anticipate, hypothecate, mortgage,
          commute, modify or otherwise encumber in advance any of the benefits
          payable hereunder nor shall any of said benefits be subject to seizure
          for the payment of any debts, judgments, alimony or separate
          maintenance owed by the Executive or the Executive's beneficiary(ies),
          nor be transferable by operation of law in the event of bankruptcy,
          insolvency or otherwise. In the event the Executive or any beneficiary
          attempts assignment, commutation, hypothecation, transfer or disposal
          of the benefits hereunder, the Bank's liabilities shall forthwith
          cease and terminate.

     B.   Binding Obligation of the Bank and any Successor in Interest:

          The Bank shall not merge or consolidate into or with another bank,
          firm, or person, or sell substantially all of its assets to another
          bank, firm or person until such bank, firm or person expressly agrees,
          in writing, to assume and discharge the duties and obligations of the
          Bank under this Executive Agreement. This Executive Agreement shall be
          binding upon the parties hereto, their successors, beneficiaries,
          heirs and personal representatives.

     C.   Amendment or Revocation:

          It is agreed by and between the parties hereto that, during the
          lifetime of the Executive, this Executive Agreement may be amended or
          revoked at any time or times, in whole or in part, but only by the
          mutual written consent of the Executive and the Bank. Any amendment or
          revocation that is not in writing and not agreed to by both parties
          hereto shall be null and void.

     D.   Gender:

          Whenever in this Executive Agreement words are used in the masculine
          or neuter gender, they shall be read and construed as in the
          masculine, feminine or neuter

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          gender, whenever they should so apply.

          Nothing contained in this Executive Agreement shall affect the right
          of the Executive to participate in or be covered by any qualified or
          non-qualified pension, profit-sharing, group, bonus or other
          supplemental compensation or fringe benefit plan constituting a part
          of the Bank's existing or future compensation structure.

     E.   Effect on Other Bank Benefit Plans:

          Nothing contained in this Executive Agreement shall affect the right
          of the Executive to participate in or be covered by any qualified or
          non-qualified pension, profit-sharing, group, bonus or other
          supplemental compensation or fringe benefit plan constituting a part
          of the Bank's existing or future compensation structure.

     F.   Headings:

          Headings and subheadings in this Executive Agreement are inserted for
          reference and convenience only and shall not be deemed a part of this
          Executive Agreement.

     G.   Applicable Law:

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

     H.   12 U.S.C. Section 1828(k):

          Any payments made to the Executive pursuant to this Executive
          Agreement, or otherwise, are subject to and conditioned upon their
          compliance with 12 U.S.C. Section 1828(k) or any regulations
          promulgated thereunder.

     I.   Partial Invalidity:

          If any term, provision, covenant, or condition of this Executive
          Agreement is determined by an arbitrator or a court, as the case may
          be, to be invalid, void, or unenforceable, such determination shall
          not render any other term, provision, covenant, or condition invalid,
          void, or unenforceable, and the Executive Agreement shall remain in
          full force and effect notwithstanding such partial invalidity.

     J.   Employment:

          No provision of this Executive Agreement shall be deemed to restrict
          or limit any existing employment agreement by and between the Bank and
          the Executive, nor shall any conditions herein create specific
          employment rights to the Executive nor limit the right of the Bank to
          discharge the Executive with or without cause. In a similar fashion,
          no provision shall limit the Executive's rights to voluntarily sever

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          the Executive's employment at any time.

     K.   Exhibit A:

          An illustration of the calculation of certain components of the Index
          Retirement Benefit set forth in this Executive Agreement is attached
          hereto and marked as Exhibit "A". The numbers referred to in said
          Exhibit A are not actual nor representative of any amounts that may be
          actually calculated per this Executive Agreement. Exhibit A is
          attached hereto merely for illustrative purposes only and the Bank
          does not make any promises or other representations regarding any said
          amounts set forth therein.

     L.   Notices:

          The Executive and each beneficiary of the Executive shall be
          responsible for furnishing the Bank with his current address for the
          mailing of notices, reports, and benefit payments. Any notice required
          or permitted to be given to the Executive or beneficiary shall be
          deemed given if directed to such address and mailed by regular United
          States mail, first class, postage prepaid. If any check mailed to such
          address is returned as undeliverable to the addressee, mailing of
          checks will be suspended until the Executive or beneficiary furnishes
          the proper address.

     M.   Lost Distributees:

          A benefit shall be deemed forfeited if the Bank is unable after a
          reasonable period of time to locate the Executive or beneficiary to
          whom payment is due; provided, however that such benefit shall be
          reinstated if a valid claim is made by or on behalf of the Executive
          or beneficiary for the forfeited benefit.

     N.   Reliance on Data:

          The Bank shall have the right to rely on any data provided by the
          Executive or by any beneficiary. Representations of such data shall be
          binding upon any party seeking to claim a benefit through the
          Executive, and the Bank shall have no obligation to inquire into the
          accuracy of any representation made at any time by the Executive or
          beneficiary.

     O.   Receipt and Release for Payments:

          Any payment made to or with respect to the Executive or beneficiary
          under this Executive Agreement, or pursuant to a disclaimer by a
          beneficiary, shall, to the extent thereof, be in full satisfaction of
          all claims hereunder against the Bank. The recipient of any payment
          from this Executive Agreement may be required by the Bank, as a
          condition precedent to such payment, to execute a receipt and release
          with respect thereto in such form as shall be acceptable to the Bank.

     P.   Withholding Taxes:

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          The Bank may satisfy all federal, state, and local withholding tax
          requirements prior to making any benefit payment under this Executive
          Agreement to the Executive or beneficiary. Payments made under this
          Executive Agreement shall be net of any amounts sufficient to satisfy
          all federal, state, and local withholding tax requirements.

VI.  ADMINISTRATION AND CLAIMS PROCEDURE

     A.   Administration by the Bank:

          The Bank shall be responsible for the management, control and
          administration of this Executive Agreement. The Bank may delegate to
          others certain aspects of the management and operation
          responsibilities of this Executive Agreement including the employment
          of advisors and the delegation of ministerial duties to qualified
          individuals.

     B.   Claims Procedure and Arbitration:

          In the event a dispute arises over benefits under this Executive
          Agreement and benefits are not paid to the Executive (or to the
          Executive's beneficiary(ies) in the case of the Executive's death)
          (individually and collectively the "claimant") and such claimant feels
          he is are entitled to receive such benefits, then a written claim must
          be made to the Bank within sixty (60) days from the date payments are
          refused. The Bank shall review the written claim and if the claim is
          denied, in whole or in part, the Bank shall provide in writing within
          sixty (60) days of receipt of such claim its specific reasons for such
          denial, reference to the provisions of this Executive Agreement upon
          which the denial is based and any additional material or information
          necessary to perfect the claim. Such written notice shall further
          indicate the additional steps to be taken by the claimants if a
          further review of the claim denial is desired. A claim shall be deemed
          denied if the Bank fails to take any action within the aforesaid
          sixty-day period.

          If a claimant desires a second review, the claimant shall notify the
          Bank in writing within sixty (60) days of the first claim denial. The
          claimant may review this Executive Agreement or any documents relating
          thereto and submit any written issues and comments the claimant may
          feel appropriate. In its sole discretion, the Bank shall then review
          the second claim and provide a written decision within sixty (60) days
          of receipt of such claim. This decision shall likewise state the
          specific reasons for the decision and shall include reference to
          specific provisions of the Executive Agreement upon which the decision
          is based.

          If the claimant continues to dispute the benefit denial based upon
          completed performance of this Executive Agreement or the meaning and
          effect of the terms and conditions thereof, then the claimant may
          submit the dispute to an Arbitrator for final arbitration. The
          Arbitrator shall he selected by mutual agreement of the Bank and the
          claimant. The Arbitrator shall operate under any generally recognized
          set of arbitration rules. The parties hereto agree that they and their

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          heirs, personal representatives, successors, and assigns shall be
          bound by the decision of such Arbitrator with respect to any
          controversy properly submitted to it.

          If a dispute arises as to the Bank's discharge of the Executive for
          "cause", such dispute shall likewise be submitted to arbitration as
          above-described and the parties hereto agree to be bound by the
          decision thereunder.

          IN WITNESS WHEREOF, the parties hereto acknowledge that each has
carefully read this Executive Agreement and executed the original thereof on the
_____ day of _______________, 2004, and that, upon execution, each has received
a conforming copy.

                                        GWINNETT BANKING COMPANY
                                        Lawrenceville, Georgia

/s/ BETH R. TYNAN                       By: /s/ JOHN.T HOPKINS III EVP
-------------------------------------       ------------------------------------
Witness                                                            Title

/s/ DARRELL SUMNER                      /s/ THOMAS L. DORMAN
-------------------------------------   ----------------------------------------
Witness                                 Thomas L. Dorman

                                       11<PAGE>

                                                                    EXHIBIT 10.9

                                 LIFE INSURANCE

                      ENDORSEMENT METHOD SPLIT DOLLAR PLAN

                                    AGREEMENT

Insurer:                         Security Life of Denver Insurance Company

Policy Number:                   1570221

Bank:                            Gwinnett Banking Company

Insured:                         Thomas L. Dorman

Relationship of Insured to Bank: Executive

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

I.   DEFINITIONS

     Refer to the policy contract for the definition of all terms in this
     Agreement.

II.  POLICY TITLE AND OWNERSHIP

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

III. BENEFICIARY DESIGNATION RIGHTS

     The Insured (or assignee) shall have the right and power to designate a
     beneficiary or beneficiaries to receive the Insured's share of the proceeds
     payable upon the death of the Insured, and to elect and change a payment
     option for such beneficiary, subject to any right or interest the Bank may
     have in such proceeds, as provided in this Agreement.

IV.  PREMIUM PAYMENT METHOD

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

V.   TAXABLE BENEFIT

<PAGE>

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

VI.  DIVISION OF DEATH PROCEEDS

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

     A.   Should the Insured be employed by the Bank at the time of death, the
          Insured's beneficiary(ies), designated in accordance with Paragraph
          III, shall be entitled to an amount equal to eighty percent (80%) of
          the net at risk insurance portion of the proceed. The net at risk
          insurance portion is the total proceeds less the cash value of the
          policy.

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

<TABLE>
<CAPTION>
Total Years
of Employment     Vested (to a
with the Bank   maximum of 100%)
-------------   ----------------
<S>             <C>
Fewer than 1            0%
1                      20%
2                      40%
3                      60%
4                      80%
5 or more             100%
</TABLE>

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

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

VII. DIVISION OF THE CASH SURRENDER VALUE OF THE POLICY

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

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

     In the event the policy involves an endowment or annuity element, the
     Bank's right and interest in any endowment proceeds or annuity benefits, on
     expiration of the deferment period, shall be determined under the
     provisions of this Agreement by regarding such

<PAGE>

     endowment proceeds or the commuted value of such annuity benefits as the
     policy's cash value. Such endowment proceeds or annuity benefits shall be
     considered to be like death proceeds for the purposes of division under
     this Agreement.

IX.  TERMINATION OF AGREEMENT

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

     1. The Insured shall leave the employment of the Bank (voluntarily or
     involuntarily) prior to one (1) year of employment with the Bank from the
     date of first employment;

     1.   The Insured shall be discharged from employment with the Bank for
          cause. The term "for cause" shall mean any of the following that
          result in an adverse effect on the Bank: (i) gross negligence or gross
          neglect; (ii) the commission of a felony or gross misdemeanor
          involving fraud or dishonesty; (iii) the willful violation of any law,
          rule, or regulation (other than a traffic violation or similar
          offense); (iv) an intentional failure to perform stated duties; or (v)
          a breach of fiduciary duty involving personal profit; or

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

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

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

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

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

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

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

X.   INSURED'S OR ASSIGNEE'S ASSIGNMENT RIGHTS

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

XI.  AGREEMENT BINDING UPON THE PARTIES

<PAGE>

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

XII. ERISA PROVISIONS

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

     A.   Named Fiduciary and Plan Administrator:

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

     B.   Funding Policy:

          Subject to the Bank's absolute right to surrender or terminate the
          policy at any time and for any reason, the funding policy for this
          Split Dollar Plan shall be to maintain the subject policy in force by
          paying, when due, all premiums required.

     C.   Basis of Payment of Benefits:

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

     D.   Claim Procedures:

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

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

XIII. GENDER

<PAGE>

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

XIV. INSURANCE COMPANY NOT A PARTY TO THIS AGREEMENT

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

XV.  CHANGE OF CONTROL

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

XVI. AMENDMENT OR REVOCATION

     Subject to the Bank's absolute right to surrender or terminate the policy
     at any time and for any reason, it is agreed by and between the parties
     hereto that, during the lifetime of the Insured, this Agreement may be
     amended or revoked at any time or times, in whole or in part, by the mutual
     written consent of the Insured and the Bank.

XVII. EFFECTIVE DATE

     The Effective Date of this Agreement shall be April 2, 2004.

XVIII. SEVERABILITY AND INTERPRETATION

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

XIX. APPLICABLE LAW

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

Executed at Lawrenceville, Georgia, this 8 day of June, 2004.

<PAGE>

                             GWINNETT BANKING COMPANY
                             Lawrenceville, Georgia

<TABLE>
<S>                          <C>                            <C>

/s/ Beth R. Tynan            By: /s/ John T. Hopkins III    EVP
--------------------------       ------------------------   Title
Witness

/s/ Darrell Sumner           /s/ Thomas L. Dorman
--------------------------   ----------------------------
Witness                      Thomas L. Dorman
</TABLE>

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