Document:

EXHIBIT 10.42

                              GRANVILLE UNITED BANK

                        1993 INCENTIVE STOCK OPTION PLAN
                      as assumed by Triangle Bancorp, Inc.

         1. Purpose. This Plan is intended to advance the interests of the Bank
by allowing officers and other key employees who have substantial responsibility
for the direction and management of the Bank to acquire a proprietary interest
in the Bank as an additional incentive to promote the Bank's success, and by
encouraging such individuals to continue to provide their services to the Bank.
These aims will be effectuated by the granting of certain stock options. It is
intended that options issued under the Plan and designated by the Board (defined
hereinafter) pursuant to Section 3(b) hereof will qualify as Incentive Stock
Options (hereinafter called "ISO's"), under Section 422A of the Internal Revenue
Code of 1986, as amended (the "Code"); and, the terms of the Plan shall be
interpreted in accordance with this intention. Options granted under this Plan
are referred to herein as "Options".

         2. Plan. The Plan shall be administered by the Board of Directors ("the
Board") of the Bank who are not eligible to receive any of the options, under
the Plan. Subject to the provisions of the Plan, the Board shall have full
authority, in its discretion, to (a) determine the employees (from the class of
employees eligible under Section 3 hereof to receive Options under the Plan) to
whom Options shall be granted; (b) determine the number of shares that an
optionee may purchase pursuant to the grant of a stock option (which in any
event shall not exceed Forty (40%) percent of the total shares subject to the
Plan); (c) determine the time or times at which Options shall be granted; (d)
determine the option price of the shares subject to each Option, which price
shall not be less than the minimum specified in accordance with Section 5
hereof,; (e) determine (subject to Sections 7 and 9 hereof) the time or times
when each Option shall become exercisable and the duration of the exercise; and
(f) interpret the Plan and prescribe, amend, and rescind rules and regulations
relatinq to it. The interpretation and construction of any provision of the Plan
by the Board shall be final and conclusive. The Board may consult with

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counsel and other professional advisors, who may be counsel or advisors to the
Bank, and shall not incur any liability for any action taken in good faith in
reliance upon the advice of such counsel or advisors.

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         3. Eligibility (a) Options may be granted by the Board only to persons
who are officers or other key employees of the Bank or a subsidiary corporation
of the Bank who perform services of major importance in the management,
operation, and development of the business of the Bank or of any subsidzary of
the Bank, and the Board shall determine the number of shares to be allocated to
each Option. In determining the eligibility of an employee to receive an Option
as well as in determining the number of shares to be optioned to any individual,
the Board shall consider the position and responsibilities of the individual
being considered, the nature and value to the Bank of such individual's services
and accomplishments, the person's present and potential contribution to the
success of the Bank, and such other factors as the Board may deem relevant. A
person receiving an Option pursuant to this Plan shall sometimes be referred to
hereinafter as an "Optionee..

         (b) At the time each Option is granted to an employee under this Plan,
the Board shall determine whether such Option is to be designated as an ISO. No
Option granted to any employee who at the 'time of such grant'owns stock
possessing more than ten percent (10%) of the total combined voting power of all
classes of stock of the Bank or any of its subsidiaries may be designated as an
ISO, unless at: the.time of.such grant-the option price is fixed at not less
than. one.hundred ten percent- (110%) of the fair market value of the Shares
(defined hereinafter).subject to the Option, and exercise of such Option is
prohibited by its terms after the expiration of five (5) years from the date
such Option is granted.

         (c) No individual shall be given the opportunity under this Plan to
exercise Options for Shares valued (at the time of the granting of the Option)
in excess of One Hundred Thousand Dollars ($100,000.00) in any calendar year,
unless and except to the extent that said Options shall have first become
exercisable in a preceding year. No Option shall be granted hereunder for the
purchase of Shares in such a manner as would cause the foregoing restriction to
be violated.

         4. Shares of Stock Subject to the Plan. There will be reserved for use
upon the exercise of Options to be granted from time to time under the Plan
(subject to the provisions of Section 6 hereof) an aggrggate of Thirty Six
Thousand Three Hundred (36,300) shares of the Five Dollar ($5.00) par value
Common stock (the "Shares',) of the Bank, which, as the Board shallfrom time to
time determine, may be in whole or in part either authorized but unissued
Shares, or issued Shares which shall have been reacquired by the Bank. Any
Shares subject to an Option under the Plan, which Option for any reason expires
or is terminated unexercised as to such Shares, may again be subjected to an
Option under the Plan.

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         5. Option Price. The purchase price under each Option issued shall be
determined by the Board at the time the Option is granted, but in no event shall
such purchase price be less than one hundred percent (100%) (one hundred ten
percent (110%), in the case of an ISO granted to an employee described in
Section 3(b) hereof) of the fair market value of the Bank's Shares on the date
of the grant. If the shares are traded in the over-the-counter market such fair
market value shall be deemed to be the mean between the asked and the bid prices
on such day as reported by NASDAQ. If the stock is traded on an exchange, such
fair market value shall be deemed to be the mean of the high and low prices at
which it is quoted or traded on such day on the exchange on which it generally
has the greatest trading volume. In,all cases, any determination hereunder by
the Board as to the fail market value of the Shares for which Options are
granted shall be made in good faith and shall be determlnative for all purposes
of this Plan.

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         6. Adjustment for Dilution, Etc. In the event that there is (a) a
subdivision or consolidation of the Bank's common stock or any other, capital
adjustment of the Bank's common stock, (b) the payment by the Bank of a stock
dividend, or (c) any other increase or decrease in the outstanding common stock
of the Bank effected without receipt of consideration by the Bank, then the
number of Shares then covered.by each outstanding Option granted hereunder
shall be adjusted proportionately with no adjustment in the total purchase price
of the Shares then so covered by such Option, and the number of Shares reserved
for the purpose of the Plan shall be adjusted by the same proportion. All such
adjustments shall be made by the Board, whose determination upon the same shall
be final and binding upon the Optionees. No fractional Shares shall be issued
and any fractional Shares resulting from the computations pursuant to this
Section 6 shall be eliminated from the respective Option. No adjustment shall be
made for cash dividends or the issuance to stockholders of rights to subscribe
for additional Shares or other securities.

         7. Duration and Exercise of Options: (a) All Options issued under the
Plan shall be for such period as the Board shall determine, but for, not more
than ten (10) years (five (5) years, in the case of any employee described in
Section 3(b) hereof) from the date of the grant thereof. The period of the
Option, once it is granted, may be reduced only as outlined in Section 9 hereof;
provided, however,that the Board may, where the Bank is involved in a merger,
consolidation, dissolution, or liquidation, accelerate -the expiration date
and the dates on which any part of the Option may be exercisable for all the
Shares covered thereby, but the effectiveness of such acceleration, and the
exercise of the Option pursuant thereto in excess of the number of Shares for
which it would have been exercisable in the absence of such acceleration, shall
be conditioned upon the consummation of the merger,

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                                        4

consolidation, dissolution, or liquidation. Except as provided in Section 9 or
subssection (b) below, no Option may be exercised after termination of the
Optionee's employment with the Bank, and in no event may an Option be exercised
after the expiration of its term.

         (b) Except as otherwise modified by the Board, or as otherwise
expressly provided for herein, each Option granted under this Plan shall become
exercisable only after five (5) years continued employment of the Optionee with
the Bank or subsidiary corporation of the Bank immediately following the date
the Option is granted. Notwithstanding the preceding sentence, in the event an
employee's employment with the Bank shall terminate for any reason during such
five-year period, such former employee may,within three months after termination
of his employment,exercise his option with respect to the vested portion of the
Shares subject to the Option, determined in accordance with and based on the
whole number of years of the Optionee's continued employment, with the Bank of
subsidiary corporation of the Bank from the date the Option is granted through
the date of Optionee's termination of employment, determined in accordance with
the following schedule:

              Years of                               Percentage of
         Continued Employment                        Shares Vested
--------------------------------------------------------------------------------

                  1                                        20%
                  2                                        40%
                  3                                        60%
                  4                                        80%
                  5                                       100%

In the event an Optionee terminates employment within the five-year period
described above, all Shares not vested in accordance with the Schedule described
above shall be forfeited, and the Optionee shall have no rights to exercise his

<PAGE>
Option with respect to any such forfeited Shares. In each case, such limitations
shall be calculated, in the case of any resulting fraction, to the nearest low
whole number of Shares. Notwithstanding the foregoing, the Board may, in its'
sole discretion, (i) prescribe longer time periods and additional requirements
with respect to the exercise of an Option, (ii) different vesting schedules with
respect to any Option, (iii) terminate in whole or in part such portion of any
Option as has not yet become exercisable at the time of termination if it
determines that the Optionee is not performing satisfactorily the duties to
which he or she was asslgned on the date the Option was granted or duties of at
least equal responsibility; and, (iv) except with respect to termination of
employment by reason of retirement, death or disability, have the option,
exercisable within four (4) months after the date of termination, to repurchase
at the option price, the shares of an employee, whose employment

755

has been terminated (whether by resignation or otherwise), and which were
acquired within three (3) months after or one (1) year prior to the date of the
employee's termination of employment. Except as provided herein or in Section 9
hereof, no Option may be exercised unless the Optionee is at the time of such
exercise in the employ of the Bank or of a subsidiary corporation of the Bank,
and shall have been continuously so employed since the grant of his or her
Option. Absence or leave approved by the management of the Bank shall not be
considered an interruption of employment for any purpose under the Plan.

         (c) Subject to limitations contained herein as to the time for exercise
of an Option and the amount of Shares subject to such Option, and
notwithstanding subsection (b) above, each Option shall be exercisable in whole
or in part or in installments at such time or times and in such manner as the
Board may prescribe and specify in granting the option to the Optionee, which
manner may differ from the exercise periods otherwise prescribed in subsection
(b) above. 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 have been satisfied, and further until receipt by
the Bank of the full option price in cash for the Shares for which an Option is
exercised.

                  (d) No Optionee or his legal representative, legatees, or
distributees, as the case may be, will be, or will be deemed to be, a holder of
any Shares subject to an Option unless and until certificates for such Shares
are issued to him or them under the terms of the Plan. Except as otherwise
provided herein, no adjustment shall be made for dividends or other rights for
which the record date is prior to the date such stock certificate is issued.

         8. Assignability. Each Option granted under this Plan shall be
transferrable only by Will or by the laws of descent and distribution and shall
be exercisable, during an Optionee's lifetime, only by the Optionee to whom the
Option is granted. Except as permitted by the preceding sentence, no Option
granted under the Plan or any of the rights and privileges thereby conferred all
be transferred, assigned, pledged, or hypothecated in any way (whether by
operation of law or otherwise), and no such Option, right, or privilege shall be
subject to execution, attachment, or similar process. Upon any attempt so to
transfer, assigns, pledge, hypothecate, or otherwise dispose of the Option or
any right or privilege conferred thereby, contrary to the provisions hereof, or
upon the levy of any attachment or similar process upon such Option, right, or
privilege, the Option and such rights and privileges shall immediately become
null and void.

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         9. Effect of Termination of Employment, Death, or Disability

         (a) Notwithstanding anything in this Plan to the contrary, in

<PAGE>
the event an Optionee's employment shall be terminated by reason of the
Optlonee's retirement at his or her Retirement Date (defined hereinafter), the
Optionee shall have the right to exercise such Option or Options held by him or
her, to the extent that such Options have not previously expired or been
exercised, at any time within three (3) months after such retirement; upon such
retirement, all Options held by such Optionee which have not been theretofore
exercised by him or her or otherwise expired shall be immediately exercisable
in full, notwithstanding Section 7(b) or (c) hereof.

         (b) In the event that an Optionee shall die while employed by the Bank,
or shall die within three (3) months after retlrement on or after his or her
Retirement Date, any Option or Options granted to him Or her under this Plan
which have not previously expired or been exercised shell be exercisable by the
estate of the Optionee (or by any person who acquired such Option by request or
inheritance from the 0ptionee) in full, notwithstanding Section 7(b) or (c)
hereof, any time wlthin one (1) year after the death of the Optionee. References
herein to the Optionee shall be deemed to include any person entitled to
exercise the Option after the death of the Optionee under the terms of this
Section 9(b).

         (c) In the event of an Optionee's termination of employment by
reason,of the Optionee's disability, the Optionee shall have the right,
notwithstanding Section 7(b) or (c) hereof, to exercise all Options held by his
or her to the extent that such Options have not previously expired or been
exercised, at any time within one (1) year after such termination; upon such
disability, all Options held by such optionee which have not been theretofore
exercised by him or her or otherwise expired shall be immediately exercisable in
full, notwithstanding Section 7(b) or (c) hereof. The term "disability shall for
the purposes of this Plan, be defined in the same manner as Such term is defined
in Section 105(d) of the Code.

         (d) For the purposes of this Plan, "Retirement Date" shall mean, any
date an employee is otherwise entitled to "retire under any of the Bank's
retirement plans, or if no such retirement plans exist, then the date on which
the Optiohee attains age sixty-five (65).

         10. Listing and registration of Shares. Each Option shall be subject to
the,requirement that if at any time the Board shall determine, in its
discretion, that the listing, registration, or qualification of the Shares
covered thereby upon any securities

755

exchange or any state or federal law, or the consent or approval of any
governmental regulatory body, is necessary or desirable as a condition of, or in
connection with, the granting of such Option or the issue or purchase of Shares
thereunder, such Option may not be exerclsed in whole or in part unless and
until such listing,registration, qualification, consent, or approval shall have
been effected or obtained free of any conditions not acceptable to the Board.
The Bank shall not be required to issue or deliver any certificate for Shares of
its stock purchased upon the exercise of any part of an Option before (i) the
admission of such Shares to listing on any stock exchange in which the stock of
the Bank may then be listed, (ii) completion of any registration or other
qualification of such Shares under any state or federal law or ruling or
regulation of any governmental body that the Bank shall,in its sole discretion,
determine is necessary or advisable, and (iii) the Board shall have been advised
by counsel that all applicable legal requirements have been complied with and
satisfied.

         11. Expiration and Termination of the Plan Options may be granted under
the Plan at any time or from time to time so long as the total number of Shares
at any one time optioned and/or purchased under this Plan does not exceed Thirty
Six Thousand Three Hundred (36,300) Shares. The Plan may be abandoned or
terminated at any time by the Board except with respect to any Options then
outstanding under the Plan. No Option shall be granted pursuant to the Plan
after Ten (10) years from the effective date of the Plan.

<PAGE>
         12. Amendment of Plan. The Board may at any time and from time to time
modify and amend the Plan (including the form of any option agreement to be
executed pursuant hereto) in any respects; provided, however, that no such
amendment shall: (a) increase (except in accordance with Section 6 hereof) the
maximum number of Shares for which Options may be granted under the Plan either
in the aggregate or to any individual; (b) reduce (except in accordance with
Section 6 hereof) the minimum option prices which may be established under the
Plan; (c) extend the period or periods during which Options may be granted or
exercised; (d) change the provisions relating to the determination of
individuals to whom Options shall be granted and the number of Shares to be
covered by such Options; or (e) change the provisions relating to adjustments to
be made upon changes in capitalization. The termination or any modification or
amendment of the Plan shall not, without the consent of the Optionee, affect
such Optionee's rights under an Option theretofore,granted to him or her.

         13. Applicability of Plan to Outstandinq Stock Options. This Plan shall
not affect the terms and conditions of any non-qualified stock options
heretofore granted to any individual by the Bank under any other plan or
agreement relating to non-qualified stock

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options, nor shall it affect any of the rights of any individual to whom such a
non-qualified stock option was granted.

         14. Effective Date of Plan. This Plan shall become effective upon
adoption by the Board, subject to approval by the shareholders of the Bank. This
Plan shall not become effective unless such shareholder approval shall be
obtained within twelve (12) months before or after the adoption of the Plan by
the Board.

                                        9EXHIBIT 10.43

                                  26,250 Shares

                             TRIANGLE BANCORP, INC.

                                  Common Stock

                              GRANVILLE UNITED BANK
                           DIRECTORS STOCK OPTION PLAN
                       AS ASSUMED BY TRIANGLE BANCORP,INC.

                               SUMMARY OF THE PLAN

         1. Purpose. Prior to the Merger, the Plan was intended to advance the
interests of Granville Bank by encouraging and enabling directors of Granville
Bank to acquire and retain a proprietary interest in Granville Bank by ownership
of Granville Bank common stock. Options granted under the Plan (the "Options")
were and are intended to be "non-qualified" options--that is, options which do
not meet the requirements of Section 422 of the Internal Revenue Code of 1986,
as amended (the "Code"). The current purpose of the Plan is for the Company to
fulfill certain obligations of Granville Bank in order to consummate the Merger.

         2. ERISA. The Plan is not subject to the Employee Retirement Income
Security Act of 1974.

         3. Stock Subject to Options. The aggregate number of shares of Common
Stock which may be issued upon the exercise of options granted under the Plan
shall not exceed 26,250 shares. The shares of Common Stock to be issued upon
exercise of an Option shall be issued by the Company.

         4. Participants. Options have been granted to those individual who were
the directors of Granville Bank on March 11, 1993 (each such director an
"Optionee") .

<PAGE>

         5. Terms and Conditions of Options. An Option granted under the Plan is
subject to the following terms:

         (a) Vesting of Shareholder Rights and Transfer Restrictions. Neither an
     Optionee nor his successor shall have any of the rights of a stockholder of
     the Company until the Company receives payment for the Common Stock and the
     certificates evidencing the shares purchased are properly delivered to the
     Optionee or his successor. Once such shares are issued, the relative rights
     of the stockholder shall be subject to any relevant transfer restrictions.
     All shares shall bear a legend evidencing any restrictions on transfer to
     which they are subject.

         (b) Exercise of Option. Each Option may be exercised over a period
     commencing at any time up to the expiration or termination of the Option.
     An Optionee must pay the exercise price to the Company for the shares being
     purchased at the time an Option is exercised.

         (c) Nontransferability of Option. Each Option granted under the Plan
     shall be transferable only by will or by the laws of descent and
     distribution and shall be exercisable, during an Optionee's lifetime, only
     by the Optionee to whom the Option is granted. Except as permitted by the
     preceding sentence, no Option granted under the Plan or any of the rights
     and privileges thereby conferred shall be transferred, assigned, pledged,
     or hypothecated in any way (whether by operation of law or otherwise), and
     no such Option, right, or privilege shall be subject to execution,
     attachment, or similar process. Upon any attempt so to transfer, assign,
     pledge, hypothecate, or otherwise dispose of the Option or any right or
     privilege conferred there by, contrary to the provisions hereof, or upon
     the levy of any attachment or similar process upon such Option, right, or
     privilege, the Option and such rights and privileges shall immediately
     become null and void.

         6. Adjustments.

            (a) On the date of the Merger, the securities into which the Option
            was convertible was changed from Granville Bank common stock to
            Company Common Stock. The number of shares underlying the Option was
            multiplied by the exchange ratio used to convert Granville Bank
            common stock to Company Common Stock pursuant to the Merger and the
            exercise price was divided by the exchange ratio.

            (b) In the event that there is (i) a subdivision or consolidation of
            the Common Stock or any other capital adjustment of the Common
            Stock, (ii) the payment by the Company of a stock dividend, or (iii)
            any other increase or decrease in the outstanding Common Stock
            effected without receipt of consideration by the Company, then the
            number of shares then covered by each outstanding Option shall be
            adjusted proportunately with no adjustment in the total purchase
            price of the share then so covered by such Option, and the number of
            shares reserved for the purpose of the Plan shall be adjusted by the
            same proportion. No fractional shares shall be issued and any
            fractional shares resulting from the computation shall be eliminated
            from the respective Option. No adjustment shall be made for cash
            dividends or the issuance to stockholders of rights to subscribe for
            additional shares or other securities.

            (c) If the Company is dissolved or liquidated, any Option terminates
            as of a date fixed by the Company.

<PAGE>

            (d) The Company makes the adjustments and determinations described
            in this paragraph, and the Company's decisions as to what
            adjustments or determinations will be made, and the extent thereof,
            are conclusive.

         7. Restrictions on Issuinq Shares. The exercise of an Option is subject
            to the condition that if at any time the Company determines in its
            discretion that the satisfaction of withholding tax or other
            withholding liabilities, or that the listing, registration, or
            qualification of any shares otherwise deliverable upon such exercise
            upon any securities exchange or under any state or federal law, or
            that the consent or approval of any regulatory body is necessary or
            desirable as a condition of, or in connection with, such exercise or
            the delivery or purchase of shares pursuant thereto, then in any
            such event, such exercise will not be effective unless such
            withholding, listing, registration, qualification, consent, or
            approval shall have been effective or obtained free of any
            conditions not acceptable to the Company.

         8. Use of Proceeds. All proceeds paid by an Optionee upon exercise of
            an Option are paid to the Company, and proceeds received by the
            Company will be added to the Company's general funds.

         9. Duration. The Plan shall terminate after the last Option has expired
            or been exercised in full. Options expire ten years from the date of
            grant.

                               RESALE RESTRICTIONS

             Shares of Common Stock issued upon exercise of an Option will be
         registered with the Securities and Exchange Commission (the
         "Commission") pursuant to a Form S-8 registration statement under the
         Securities Act ("Form S-8"). As a result, a Participant who is not an
         affiliate of the Company will, for purposes of federal securities laws,
         be able to sell such shares without restriction.

             Shares of Common Stock issued upon exercise of an Option to an
         individual who is an affiliate of the Company ("Affiliate Shares") may
         only be resold by such affiliate if the Company files a prospectus with
         the Commission relating to the Affiliate Shares which is prepared in
         accordance with the requirements of Part I of a Form S-3 registration
         statement under the Securities Act ("Form S-3") and files this
         prospectus with the Commission as a post-effective amendment to the
         Form S-8. If at the time of filing the amendment the Company satisfies
         the requirements for the use of Form S-3, the Affiliate Shares may be
         sold without limitation. If at the time of filing the amendment the
         Company does not satisfy the requirements for the use of Form S-3, then
         the amount of Affiliate Shares which an affiliate may resell will be
         limited to the amount specified in Rule 144(e) of the Securities Act.
         In general, Rule 144(e) restricts sales by affiliates within any
         three-month period to the number of shares that does not exceed the
         greater of (i) 1% of the outstanding shares of Common Stock or (ii) the
         average weekly trading volume in the Common Stock during the four
         calendar weeks preceding a sale.

              The Company may in its sole discretion impose restrictions on the
         resale of any shares purchased by an Optionee pursuant to exercise of
         an Option.

                     CERTAIN FEDERAL INCOME TAX CONSEQUENCES

              This section contains only a general discussion of the potential
         federal income tax consequences to an Optionee. State or local tax
         rules

<PAGE>
         which may apply are not discussed. The tax consequences relating to
         the Plan are complex. An Optionee should consult his or her personal
         tax advisor regarding tax consequences of the Plan.

              In general, for federal income tax purposes under present law:

              (a) The granting of an Option, by itself, should not have resulted
              in income to the Optionee.

              (b) Except as provided in (e) below, the exercise of an Option (in
              whole or in part, according to its terms) will result in ordinary
              income to the Optionee at that time in an amount equal to the
              excess (if any) of the fair market value of the shares on the date
              of exercise over the option price.

              (c) Except as provided in (e) below, the tax basis of the shares
              acquired upon exercise of an Option, which will be used to
              determine the amount of any capital gain or loss on a future
              taxable disposition of the shares, will be the fair market value
              of the shares on the date of exercise.

              (d) No deduction was allowed to Granville upon the grant of an
              Option, but, upon exercise of an Option by an Optionee, a
              deduction will be allowed to the Company at that time in an amount
              equal to the amount of ordinary income realized by the Optionee,

              The Plan is not qualified under Section 401(c) of the Code.

                 INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE

         The documents listed below filed by the Company with the Commission are
         hereby incorporated by reference into this Prospectus.

              (a) The Company's Annual Report on Form 10-K for the fiscal year
                  ended December 31, 1995;

              (b) The Company's Quarterly Reports on Form 10-Q for the quarters
         ended March 31, 1996, June 30, 1996 and September 30, 1996;

              (c) The Company's Current Report on Form 8-K dated January 3, 1996
                  and January 11, 1996; and

              (d) The description of the Common Stock (the "Common Stock")
         contained in the Company's Registration Statement on Form 8- K dated
         November 27, 1996, as filed with the Commission on December 9, 1996.

              In addition, all documents subsequently filed by the Company with
         the Commission pursuant to Sections 13(a), 13(c), 14 and 15(d) of the
         Exchange Act, prior to the filing of a post-effective amendment which
         indicates that all the shares of Common Stock offered hereby have been
         sold or which deregisters all shares of Common Stock then remaining
         unsold, shall be deemed to be incorporated by reference in this
         Prospectus and to be a part hereof from the date of filing such
         documents.

                              AVAILABLE INFORMATION

              The Company will promptly furnish, without charge, a copy of any
         of the documents incorporated by reference herein, as well as the
         Company's most recent Annual Report to Shareholders and any and all
         documents supplementing or updating the information contained herein,
         on the written or oral request of any Optionee receiving this
         Prospectus. Such requests should be addressed to Susan C. Gilbert,
         Secretary, Triangle Bancorp, Inc., 4300 Glenwood Avenue, Raleigh, North
         Carolina 27612.

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