Document:

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EXHIBIT 10.5

                           INTEGRITY BANCSHARES, INC.

                             2003 STOCK OPTION PLAN

                                       53

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1.   DEFINITIONS

     a.   "Company" - INTEGRITY BANCSHARES, INC.

     b.   "Code" - Internal Revenue Code of 1986, as amended.

     c.   "Committee" - the Compensation Committee of the Board.

     d.   "Common Stock" - common voting stock of the Company.

     e.   "Board" - voting members of the Board of Directors of the Company.

     f.   "Incentive Stock Option or ISO" - an option granted under the Plan
          which constitutes an "incentive stock option" within the meaning of
          Section 422 of the Code.

     g.   "Non-Qualified Stock Option or NQSO" - an option granted under the
          Plan which does not qualify as an ISO.

     h.   "Option" - right to purchase shares of Common Stock which may either
          be an ISO or a NQSO.

     i.   "Option Agreement" - formal agreement for each grant with specific
          terms and conditions not inconsistent with this Plan. j. "Optionee"-
          an eligible person under Section 5 below who has been granted options
          under this Plan.

     k.   "Plan"- Integrity Bancshares, Inc. 2003 Stock Option Plan.

     l.   "Subsidiary" - a subsidiary of the Company as defined in Section
          424(f) of the Code.

2.   PURPOSE

     The purposes of the Plan are: (i) to assist the Company and its
     Subsidiaries in securing and retaining key employees of outstanding ability
     by making it possible to offer them an increased incentive to join or
     continue in the service of the Company and its Subsidiaries; and (ii) to
     increase the key employees' efforts for the Company's and its Subsidiaries'
     welfare by participating in the ownership and growth of the Company and its
     Subsidiaries. The Options granted under the Plan may either be Incentive
     Stock Options or Non-Qualified Stock Options as specified in the Option
     Agreement. Any Option that fails to qualify as an ISO shall be a NQSO.

3.   SHARES SUBJECT TO THE PLAN

     Subject to adjustments pursuant to the provisions of Section 14, there
     shall be authorized and reserved for issuance upon the exercise of Options
     to be granted under the Plan, Three Hundred Thousand (300,000) shares of
     Common Stock.

4.   ADMINISTRATION

     The Committee, whose members shall not be participants in the Plan, will
     have complete authority to interpret the Plan, make grants, and determine
     terms and conditions within the context of the Plan.

5.   ELIGIBILITY

     The following persons are eligible to receive Options under the Plan:
     Full-time key employees of the Company or its Subsidiaries who are selected
     by the Committee from time to time and who, in the opinion of the
     Committee, have contributed in the past or who may be expected to
     contribute materially in the future to the successful performance of the
     Company or its Subsidiaries.

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6.   GRANTING OF OPTIONS; OPTION EXERCISE PRICE

     The Board, upon recommendation of the Committee, may grant Options to
     full-time key employees of the Company or its Subsidiaries as desirable.
     Any Option granted hereunder shall have a per share option exercise price
     at least equal to the fair market value of a share of the Common Stock on
     the date of the grant, except as stated in paragraph 10 below. The Option
     exercise price shall be subject to adjustments in accordance with the
     provisions of Section 14 herein.

7.   TERM OF OPTION

     Subject to the provisions of Section 9 herein, the period during which each
     Option may be exercised shall be fixed by the Committee at the time such
     Option is granted, but such period shall expire not later than ten years
     from the date the Option is granted.

8.   MANNER OF EXERCISE

     The Options shall be exercised by written notice, delivered to the
     Secretary of the Company and signed by the Optionee or his or her
     successors stating the number of shares with respect to which the Option is
     being exercised. Payment in full of the Option price of the said shares
     must be made at the time of exercise, and payment may be made in
     immediately available funds or shares of the Common Stock previously held
     by the Optionee or a combination. Payment in shares may be made with shares
     received upon the exercise or partial exercise of an Option, whether or not
     involving a series of exercises or partial exercises and whether or not
     share certificates for such shares surrendered have been delivered to the
     Optionee. Shares surrendered in payment of the Option price shall be valued
     at the fair market value as of the date of the exercise.

9.   TERMINATION OF OPTIONS

     All unexercised Options will terminate upon the lapse by their terms and,
     in the case of ISO's, if earlier, ninety (90) days after the termination of
     the Optionee's employment with the Company. During such 90-day period, all
     unexercised Options may be exercised by the Optionee or his legal
     representative in the event of death or mental disability.

10.  LIMITATIONS RELATING TO INCENTIVE STOCK OPTIONS

     The following limitations apply to Incentive Stock Options:

     (a) ISO's shall not be granted to any individual pursuant to this Plan, the
effect of which would be to permit such person to first exercise ISO's, in any
calendar year, for the purchase of shares having a fair market value in excess
of $100,000 (determined at the time of the grant of the Options). Optionee may
exercise ISO's for the purchase of shares valued in excess of $100,000
(determined at the time of grant of the Options) in a calendar year, but only if
the right to exercise such ISO's shall have first become available in prior
calendar years.

     (b) No ISO shall be granted to an individual who, at the time the ISO is
granted, owns more than ten percent (10%) of the combined voting power of all
classes of stock of the Company then outstanding unless, at the time the ISO is
granted, the option price is at least one hundred ten percent (110%) of the fair
market value of the Common Stock subject to the ISO and the ISO, by its terms,
is not exercisable after the expiration of five (5) years from the date of
grant.

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11.  NONTRANSFERABILITY OF OPTIONS; RESTRICTIONS ON ISSUANCE OF COMMON STOCK

     Options granted under this Plan are nontransferable except by will or by
     the laws of descent and distribution. No shares shall be delivered pursuant
     to any exercise of an Option until the requirements of such laws and
     regulations, as may be deemed by the Board to be applicable to them, are
     satisfied and until payment in full as described in Section 8 of the Option
     price is received by the Company.

12.  RIGHTS OF OPTIONEE

     An Optionee will have no rights as a shareholder until a stock certificate
     for the Common Stock is issued. Nothing in the Plan, in any Option
     Agreement or resulting stock ownership, will give to an Optionee any right
     to continuation of employment.

13.  OTHER TERMS AND CONDITIONS

     Any Option granted hereunder shall contain additional terms which are not
     inconsistent with the terms of this Plan, as the Board or the Committee
     deems necessary or desirable.

14. CAPITAL ADJUSTMENTS AFFECTING STOCK

     In the event of a capital adjustment resulting from a stock dividend, stock
     split, reorganization, merger, consolidation, or a combination or exchange
     of shares, the number of shares of stock subject to this Plan and the
     number of shares under any Option granted hereunder shall be adjusted
     consistent with such capital adjustment. The price of any share under
     Option shall be adjusted so that there will be no change in the aggregate
     purchase price payable upon the exercise of any such Option. The granting
     of an Option pursuant to this Plan shall not affect in any way the right or
     power of the Company to make adjustments, reorganizations,
     reclassifications, or changes of its capital or business structure or to
     merge, consolidate, dissolve, liquidate or sell or transfer all or any part
     of its business or assets.

     After any merger, consolidation or reorganization of any form involving the
     Company as a party thereto involving any exchange, conversion, adjustment
     or other modification of the outstanding shares of the Company's Common
     Stock, each Optionee at the time of such reorganization shall, at no
     additional cost, be entitled, upon any exercise of his or her Option, to
     receive, in lieu of the number of shares as to which such option shall then
     be so exercised, the number and class of shares of stock or other
     securities or such other property to which such Optionee would have been
     entitled pursuant to the terms of the agreement of merger or consolidation,
     if at the time of such merger or consolidation, such Optionee had been a
     holder of record of a number of shares of the Common Stock of the Company
     equal to the number of shares as to which such Option shall then be so
     exercised. Comparable rights shall accrue to each Optionee in the event of
     successive mergers or consolidations of the character described above.

     The foregoing adjustments and the manner of their application will be in
     the sole discretion of the Committee to determine.

     Anything contained herein to the contrary notwithstanding, upon the
     dissolution or liquidation of the Company each Option granted under the
     Plan shall terminate.

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15.  AMENDMENTS, SUSPENSION OR TERMINATION OF THE PLAN

     The Board of the Company shall have the right, at any time, to amend,
     suspend or terminate the Plan; provided, however, no amendments shall be
     made in the Plan without the approval of the stockholders of the Company
     which:

          (a) Increase the total number of shares for which Options may be
     granted under this Plan for all key employees except as provided in Section
     14.

          (b) Change the minimum purchase price for the optioned shares except
     as provided in Section 14.

          (c) Affect outstanding Options or any unexercised rights thereunder
     except as provided in Section 14.

          (d) Extend the option period provided in Section 7.

          (e) Extend the termination date of the Plan.

16.  EFFECTIVE DATE

     The Plan shall take effect on January 23, 2003, and shall terminate on
     January 22, 2013. No Options may be granted under the Plan after its
     termination date, but any Option granted prior thereto may be exercised in
     accordance with its terms. The Plan and all Options granted pursuant to it
     are subject to all laws, approvals, requirements and regulations of any
     governmental authority which may be applicable thereto and, notwithstanding
     any provisions of the Plan or Option Agreement, the holder of an Option
     shall not be entitled to exercise his or her Option nor shall the Company
     be obligated to issue any shares to the holder if such exercise or issuance
     shall constitute a violation by the holder or the Company of any provisions
     of any such approval requirements, law or regulations.

17.  REGULATION

     The Company's regulators may direct the Company to require plan
     participants to exercise or forfeit their stock rights if the Company's
     capital falls below the minimum requirements, as determined by the
     regulators.

                                       57<PAGE>

Exhibit 10.6

                           INTEGRITY BANCSHARES, INC.
                        2003 DIRECTORS STOCK OPTION PLAN

1.   DEFINITIONS

     a.   "Affiliate" - used to indicate a relationship to a specified person,
          firm, corporation, partnership, association or entity, and shall mean
          any person, firm, corporation, partnership, association or entity
          that, directly or indirectly or through one or more intermediaries,
          controls, is controlled by or is under common control with such
          person, firm, corporation, partnership, association or entity.

     b.   "Bank" - Integrity Bank.

     c.   "Board" - the Board of Directors of the Corporation.

     d.   "Code" - the Internal Revenue Code of 1986, as amended.

     e.   "Committee" - the Compensation Committee of the Board or a committee
          named specifically by the Board to administer this Plan.

     f.   "Common Stock" - the common voting stock of the Corporation.

     g.   "Corporation" - INTEGRITY BANCSHARES, INC.

     h.   "Director" - a voting member of the Board of Directors of the Bank or
          the Corporation.

     i.   "Emeritus Director" - a former Director of the Bank or the Corporation
          who has been designated by the Board of Directors of the Bank or the
          Corporation as an emeritus non-voting advisory member of any such
          Board.

     j.   "Fair Market Value" - as determined in good faith by the Board.

     k.   "Non-Qualified Options" - options which are not "qualified" within the
          meaning of Sections 422 and 423 of the Code.

     l.   "Option" - right to purchase shares of Common Stock.

     m.   "Option Agreement" - formal agreement for each grant with specific
          terms and conditions not inconsistent with this Plan.

     n.   "Optionee" - an eligible person under Section 5 below who has been
          granted Options under Plan.

     o.   "Plan" - the Integrity Bancshares, Inc. 2003 Directors Stock Option
          Plan.

                                       58
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2.   PURPOSE

     The  purposes of the Plan is to advance the  interests  of the Bank and the
     Corporation  and its  shareholders  by  providing  Directors  and  Emeritus
     Directors of the Bank and the  Corporation  a sense of  proprietorship  and
     personal  involvement and to encourage  Directors and Emeritus Directors of
     the Bank and the  Corporation  to remain with and devote their best efforts
     to their respective Bank or the Corporation.

3.   SHARES SUBJECT TO THE PLAN

     There shall be  authorized  and reserved for issuance  upon the exercise of
     Options to be granted under the Plan 130,000 shares of Common Stock.

4.   ADMINISTRATION

     The  Committee  shall have complete  authority to interpret the Plan,  make
     grants, and determine terms and conditions within the context of the Plan.

5.   ELIGIBILITY

     The following  persons are eligible to receive  Options under the Plan: All
     Directors and Emeritus  Directors of the Bank and the  Corporation.  To the
     extent that shares are available,  Directors who take office  subsequent to
     the effective date of the Plan shall be eligible to receive Options.

6.   GRANTING OF OPTIONS; OPTION EXERCISE PRICE

     All  Options  granted  under the Plan  will be  Non-Qualified  Options  and
     evidenced by an Option Agreement. The following individuals will receive an
     Option to purchase the number of shares of Common Stock indicated at $11.00
     per share,  which the Board has  determined  to be the Fair Market Value of
     the stock as of the date of the grant. The Options will vest immediately.

                  NAME                      NUMBER OF SHARES

                  James E. Bridges               10,000
                  Clinton M. Day                 10,000
                  Don C. Hartsfield              10,000
                  Richard H. Peden, Sr.          10,000
                  Charles J. Puckett             10,000
                  Gerald O. Reynolds             10,000
                  Steven M. Skow                 10,000
                  Jack Murphy                    10,000
                  Robert Wholey                  10,000

         The Corporation may make additional grants of Options as desirable. Any
         Option granted hereunder shall have a per share option exercise price
         at least equal to the Fair Market Value of a share on the date of the
         grant as determined in good faith by the Board of Directors.

                                       59
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7.   TERM OF OPTION

     Options  granted  hereunder  shall be exercisable in whole or in part, from
     time to time,  during the  ten-year  period  subsequent  to the date of the
     grant.  Except as provided in Section 10, no Option  granted under the Plan
     may be exercised prior to six months after the date it is granted.

8.   MANNER OF EXERCISE

     The  Options  shall  be  exercised  by  written  notice,  delivered  to the
     Corporation  and signed by the Director or Emeritus  Director or his or her
     successors stating the number of shares with respect to which the Option is
     being exercised.  Payment in full of the Option price of the shares must be
     made at the time of exercise,  and payment may be made in cash or shares of
     the Common Stock previously held by the Optionee or a combination  thereof.
     Payment in shares may be made with  shares  received  upon the  exercise or
     partial  exercise  of an  Option,  whether  or not  involving  a series  of
     exercises or partial  exercises and whether or not share  certificates  for
     such  shares  surrendered  have  been  delivered  to the  Optionee.  Shares
     surrendered  in  payment of the  Option  Price  shall be valued at the Fair
     Market Value as of the date of the exercise.

9.   NON-TRANSFERABILITY

     Options  can  only be  transferred  by will or by the laws of  descent  and
     distribution.

10.  ADJUSTMENTS UPON CHANGES IN CAPITALIZATION; ACCELERATION OF EXERCISE RIGHTS

     The total number of shares on which  Options may be granted  under the Plan
     and Option  rights  (both as to the number of shares and the option  price)
     shall be appropriately  adjusted for any increase or decrease in the number
     of outstanding  shares of Common Stock of the Corporation  resulting from a
     stock  split  or  payment  of a  stock  dividend  on the  Common  Stock,  a
     subdivision  or   combination   of  shares  of  the  Common  Stock,   or  a
     reclassification  of the  Common  Stock,  and in the  event of a merger  or
     consolidation in accordance with the following paragraph.

     After any merger, consolidation or reorganization of any form involving the
     Corporation  as  a  party  thereto  involving  any  exchange,   conversion,
     adjustment  or  other   modification  of  the  outstanding  shares  of  the
     Corporation=s   Common   Stock,   each   Optionee   at  the  time  of  such
     reorganization shall, at no additional cost, be entitled, upon any exercise
     of his or her  Option,  to  receive,  in lieu of the number of shares as to
     which  such  Option  shall  then be so  exercised,  the number and class of
     shares of stock or other  securities  or such other  property to which such
     Optionee would have been entitled pursuant to the terms of the agreement of
     merger or  consolidation,  if at the time of such merger or  consolidation,
     such  Optionee  had been a holder  of  record  of a number of shares of the
     Common Stock of the  Corporation  equal to the number of shares as to which
     such Option shall then be so exercised.  Comparable  rights shall accrue to
     each Optionee in the event of successive  mergers or  consolidations of the
     character described above.

     The foregoing  adjustments and the manner of their  application  will be in
     the sole discretion of the Committee to determine.

                                       60
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     In the event of: (1) the adoption of a plan of merger or  consolidation  in
     which the Corporation=s shareholders as a group would receive less than 50%
     of the voting  capital stock of the surviving  entity;  (2) the approval by
     the Board of Directors of the Corporation of an agreement providing for the
     sale  or  transfer   (other  than  as  security  for   obligations  of  the
     Corporation) of substantially all the assets of the Corporation; or (3) the
     acquisition of more than 20% of the  Corporation=s  voting capital stock by
     any person as defined by Section  13(d)(3) of the  Securities  and Exchange
     Act of  1934,  other  than a  person,  or  group  including  a  person  who
     beneficially  owned,  as of the effective date of the Plan, more than 3% of
     the Corporation=s securities, then, in the absence of a prior expression of
     approval of the Board Of Directors of the  Corporation,  any Option granted
     hereunder  shall become  immediately  exercisable  in full,  subject to any
     appropriate  adjustments  in the number of shares subject to Option and the
     Option Price,  and shall remain  exercisable for the remaining term of such
     Option,  regardless  of whether  such option has been  outstanding  for six
     months or of any  provision  contained in the Stock Option  Agreement  with
     respect to limitations of the  exercisability  of the Option or any portion
     thereof for any length of time.

     Anything  contained  herein  to  the  contrary  notwithstanding,  upon  the
     dissolution or liquidation of the Corporation each Option granted under the
     Plan shall terminate.

     The grant of an Option  pursuant  to this Plan  shall not in any way affect
     the   right   or   power   of  the   Corporation   to   make   adjustments,
     reclassifications,  or changes of its capital or business structure,  or to
     merge or consolidate, or to dissolve, liquidate or sell, or transfer all or
     any part of its business or assets.

11.  EFFECTIVENESS OF THE PLAN

     The effective  date of the Plan shall be February 27, 2003, the date of the
     approval of the Plan by the Board of Directors of the Corporation,  subject
     to the approval of the Plan by the  shareholders of the Corporation  within
     one (1) year  following  such  date.  No Option  granted  hereunder  may be
     exercised  prior to the  approval  of the Plan by the  shareholders  of the
     Corporation,  and in the event that the  shareholders  fail to approve  the
     Plan within one year of any Option grants made  pursuant to the Plan,  then
     all such Options shall be void.

     No Options may be granted under the Plan after the  expiration of ten years
     from and including the effective date of the Plan.

12.  AMENDMENT AND TERMINATION

     The Plan may be amended or terminated by the Board at any time as deemed in
     the best interests of the  Corporation;  provided,  however,  no amendments
     shall be made in the Plan without the approval of the  shareholders  of the
     Corporation which:

     a.   Increase the total  number of shares for which  options may be granted
          under the Plan except as provided in Section 11.

     b.   Change the minimum  purchase  price for the optioned  shares except as
          provided in Section 11.

     c.   Affect any  outstanding  option or any  unexercised  right  thereunder
          except as provided in Section 11.

     d.   Extend the option period provided in Section 7.

     e.   Extend the termination date of the Plan.

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