Document:

<PAGE>   1

                                                                   EXHIBIT 10.10

                           C & S BANCORPORATION, INC.

                            NONQUALIFIED STOCK OPTION
                                  COMMON STOCK
                           ($1.00 PAR VALUE PER SHARE)

STOCK OPTION PLAN:  C & S BANCORPORATION, INC. STOCK OPTION PLAN

OPTION FOR THE PURCHASE OF:            SHARES
                           ------------

EXERCISE PRICE PER SHARE:
                         --------------

DATE OF GRANT:
              -------------------------

         THIS OPTION AGREEMENT, made and entered into this ____ day of
__________, ____ by and between C & S BANCORPORATION, INC., a Georgia
corporation (the "Company"), and ______________________________________ (the
"Grantee");

                                   WITNESSETH:

         WHEREAS, the C & S BANCORPORATION, INC. STOCK OPTION PLAN (the "Plan")
has been adopted by the Company; and

         WHEREAS, Article II of the Plan authorizes the Committee to cause the
Company to enter into a written agreement with the Grantee setting forth the
form and the amount of any award and any conditions and restrictions of the
award imposed by the Plan and the Committee; and

         WHEREAS, the Committee desires to make an award to the Grantee
consisting of a Nonqualified Stock Option;

         NOW, THEREFORE, in consideration of the mutual covenants contained
herein, and other good and valuable consideration, the receipt of which is
hereby acknowledged, the Company and the Grantee hereby agree as follows:

         1.       General Definitions. Any capitalized terms herein shall have
the meaning set forth in the Plan, and, in addition, for purposes of this Option
Agreement, each of the following terms, when used herein, shall have the meaning
set forth below:

                  (a)      The "Code" shall mean the Internal Revenue Code of
1986, as amended.

                  (b)      The "Common Stock" shall mean the common stock of the
Company, $1.00 par value per share.

<PAGE>   2

                  (c)      The "Exercise Date" shall mean the first anniversary
of the Date of Grant. At any time during the period of this Option commencing
with the first anniversary of the Date of Grant, the Grantee may purchase up to
___% of the shares covered by this Option and may purchase an additional ____%
on the _______, _______, and _______ anniversary from the Date of Grant so that
this Option will be fully vested on the _______ anniversary of the Date of
Grant.

                  (d)      The "Expiration Date" shall mean the date on which
this Option expires pursuant to the provisions of paragraph 4 hereof.

                  (e)      "Fair Market Value" of a share of Common Stock on a
specified date means:

                                    (i)      if the Common Stock is then traded
                           on a national securities exchange, the closing price
                           on such date of a share of the Common Stock as traded
                           on the largest securities exchange on which it is
                           then traded; or

                                    (ii)     if the Common Stock is not then
                           traded on a national securities exchange, the mean
                           between the closing composite inter-dealer "bid" and
                           "ask" prices for Common Stock, as quoted on the
                           NASDAQ National Market System (A) on such date, or
                           (B) if no "bid" and "ask" prices are quoted on such
                           date, then on the next preceding date on which such
                           prices were quoted; or

                                    (iii)    if the Common Stock is not then
                           traded on a national securities exchange or quoted on
                           the NASDAQ National Market System, the value
                           determined in good faith by the Committee.

                  (f)      "Good Cause," with respect to any dismissal of
Grantee from his or her employment with the Company or any of its affiliates,
shall mean the dismissal of the Grantee from such employment by the Company or
any of its affiliates by reason of (i) the Grantee's being convicted of, or
pleading guilty or confessing to, any felony or any act of fraud,
misappropriation or embezzlement, (ii) the Grantee's improperly releasing or
misappropriating trade secrets or other tangible or intangible property of the
Company or any of its affiliates or engaging in a dishonest act to the damage or
prejudice of the Company or any of its affiliates or in willful or grossly
negligent conduct or activities materially damaging to the property, business or
reputation of the Company or any of its affiliates, or (iii) the Grantee's
failing, without reasonable cause, to devote his or her full business time and
efforts to the Company or any of its affiliates.

                  (g)      This "Option" shall mean the option evidenced by this
Option Agreement, which is intended to be a "nonqualified stock option".

                  (h)      The "Option Price" shall mean the purchase price of
each share of Common Stock that may be purchased by the Grantee upon the
exercise of this Option, in whole or in part. The Option Price is set forth
under "EXERCISE PRICE PER SHARE" at the beginning of page 1 of this Option
Agreement as adjusted from time to time in accordance with the provisions
hereof.

                                       2
<PAGE>   3

         2.       Grant of Option. Upon the terms and subject to the conditions
and limitations hereinafter set forth, the Grantee shall have the right, at any
time after the Exercise Date and on or before the Expiration Date, to purchase
the number of shares of Common Stock set forth on page 1 of this Option
Agreement and vested under Paragraph 1(c), such number of shares and the Option
Price being subject to adjustment in accordance with the provisions set forth
below and in accordance with the terms of the Plan notwithstanding anything to
the contrary herein.

         3.       Manner of Exercise. Subject to the terms, conditions, and
limitations set forth herein, this Option may be exercised in whole or in part
at any time or from time to time after the Exercise Date and on or before the
Expiration Date as to any part of the number of whole shares of Common Stock
then vested under Paragraph 1(c) and available under this Option. Such exercise
shall be effective only if the Grantee duly executes and delivers to the
Company, at the principal executive office of the Company or at such other
address as the Company may designate by notice in writing to the Grantee, an
option exercise form substantially the same as that attached hereto as Exhibit
A, indicating the number of shares of Common Stock to be purchased and
accompanied by payment of the Option Price and any withholding amounts described
below. Payment of the Option Price and any such withholding amounts may be made
(i) in cash or by the Grantee's personal check, a certified check, a bank draft,
or a postal or express money order payable to the order of the Company in lawful
money of the United States or in any combination of the foregoing, or (ii) by
delivery of mature shares of Common Stock, the Fair Value of which is equal to
the Option Price as of the Exercise Date.

         Upon any effective exercise of this Option, the Company shall become
obligated to issue a certificate or certificates to the Grantee representing the
number of shares of Common Stock so purchased. Notwithstanding the foregoing, no
shares of Common Stock will be issued unless the Grantee (or his representative
as the case may be) shall pay to the Company or any affiliate, as applicable,
such amount as the Company or any affiliate may advise it is required under
applicable federal, state or local law to withhold and pay over to governmental
taxing authorities by reason of the purchase of such shares of Common Stock
pursuant to this Option. No fractional shares will be issued.

         4.       Expiration of Option. This Option shall expire, shall become
null and void, and shall be of no further force and effect upon the earlier to
occur of the following events:

                  (a)      Three months after the date of the Grantee's
resignation or other voluntary termination of his or her employment with the
Company or any of its affiliates (other than by reason of his or her death or
"disability" within the meaning of Section 22(e)(3) of the Code), but during
such three month period the Option shall be exercisable only to the extent that
it was exercisable as of the date of resignation or termination;

                  (b)      The dismissal of the Grantee from his or her
employment with the Company or any affiliate for Good Cause at any time;

                  (c)      Three months after the date on which the Company or
any affiliate terminates the Grantee's employment for any reason other than Good
Cause, but during such three

                                       3

<PAGE>   4

month period the Option shall be exercisable only to the extent that it was
exercisable as of the date of termination;

                  (d)      One year after the date on which Grantee's employment
with the Company or any affiliate is terminated by reason of the Grantee's death
or "disability" within the meaning of Section 22(e)(3) of the Code, but during
such one year period the Option shall be exercisable only to the extent that it
was exercisable as of the date of death or disability; or

                  (e)      Ten years from the Date of Grant.

         5.       Holder's Exercise Subject to Compliance with Securities Laws.
Notwithstanding the exercise of this Option, in whole or in part, in accordance
with all other provisions of this Option, the Company shall have no obligation
to honor such exercise and to issue Common Stock pursuant thereto unless and
until the Grantee furnishes the Company an agreement (in such form as the
Committee may specify) in which the Grantee (or any person acting on his behalf)
represents that the Common Stock acquired by him upon exercise are being
acquired for investment and not with a view to the sale or distribution thereof,
or such other representations as may be required by the Committee in accordance
with the advice of legal counsel, unless the Committee shall have received
advice from legal counsel that such representation is not required.

         6.       Adjustment of Option Price and Number of Shares That May be
Purchased Hereunder. The Option Price and the number of shares of Common Stock
that may be purchased hereunder shall be subject to adjustment from time to time
by the Committee in accordance with the terms of the Plan in the event of
certain changes in the Common Stock or certain corporate transactions affecting
the number or value of the shares of Common Stock.

         7.       Notice of Adjustments. Upon the occurrence of any adjustment
of the Option Price, or any increase or decrease in the number of shares of
Common Stock that may be purchased upon the exercise of this Option, then, and
in each such case, the Company, within 30 days thereafter, shall give written
notice thereof to the Grantee at the address of the Grantee as shown on the
books of the Company, which notice shall state the Option Price as adjusted and
the increased or decreased number of shares that may be purchased upon the
exercise of this Option, setting forth in reasonable detail the method of
calculation of each.

         8.       Additional Conditions. The Grantee and any person acting on
the Grantee's behalf agrees and acknowledges that any shares of Common Stock
issued or transferred under this Option may be issued or transferred subject to
such conditions, in addition to those set forth in this Option, as the Committee
or the Company may impose and may require the Grantee (or any person acting on
the Grantee's behalf) to deliver and comply in all respects with the Company's
shareholders agreement, if any, as may be in effect at the time of any exercise
of this Option. No shares shall be issued upon exercise of this Option prior to
the delivery of a properly executed shareholders agreement or such other
agreement or acknowledgment that the Committee shall deem necessary to ensure
that the Common Stock acquired pursuant to the Option will be subject to such
shareholders agreement.

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<PAGE>   5

         9.       Assignment. This Option may not be transferred or assigned by
the Grantee otherwise than by will or by the laws of descent and distribution
and, during the lifetime of the Grantee, may be exercised, in whole or in part,
only by the Grantee; provided, however, subject to Paragraph 4(d) hereof, in the
event of the Grantee's death or disability, this Option may be exercised by his
or her personal representative, heirs or legatees.

         10.      No Right to Continued Employment. This Option does not confer
upon the Grantee the right to continued employment with the Company or any
affiliate, nor shall it interfere with the right of the Company or any affiliate
to terminate his or her employment at any time.

         11.      Miscellaneous.

                  (a)      The Company covenants that it will at all times
reserve and keep available, solely for the purpose of issue upon the exercise of
this Option, a sufficient number of shares of Common Stock to permit the
exercise of this Option in full.

                  (b)      The terms of this Option shall be binding upon and
shall inure to the benefit of any successors or assigns of the Company and of
the Grantee.

                  (c)      The Grantee shall not be entitled to vote or to
receive dividends with respect to any Common Stock that may be, but has not
been, purchased under this Option and shall not be deemed to be a shareholder of
the Company with respect to any such Common Stock for any purpose.

                  (d)      This Option has been issued pursuant to the Plan and
shall be subject to, and governed by, the terms and provisions thereof. The
Grantee hereby agrees to be bound by all the terms and provisions of the Plan.
In the event of any conflict between the terms of the Plan and this Option
Agreement, the provisions of the Plan shall govern.

                  (e)      This Option Agreement shall be governed by the laws
of the State of Georgia.

         IN WITNESS WHEREOF, the Company and the Grantee have executed this
Option Agreement as of the day and year first above written.

                                      C & S BANCORPORATION, INC.

                                      By:
                                         ---------------------------------------

                                      Its:
                                          --------------------------------------

                                      GRANTEE:

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

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<PAGE>   6

                                    EXHIBIT A

                              OPTION EXERCISE FORM

                        (To be executed by the Grantee to
                  exercise the rights to purchase Common Stock
                       evidenced by the foregoing Option)

TO: C & S BANCORPORATION, INC.

         The undersigned hereby exercises the right to purchase __________
shares of Common Stock covered by the attached Option in accordance with the
terms and conditions thereof, and herewith makes payment of the Option Price of
such shares in full.

                                        ------------------------------------
                                        Signature

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

                                        ------------------------------------
                                        Address

                                        ------------------------------------
                                        Social Security Number

Date:
     -------------------------------<PAGE>   1

                                                                   EXHIBIT 10.13

                             AGREEMENT FOR THE SALE
                           AND PURCHASE OF REAL ESTATE

         THIS AGREEMENT, entered into this 26th day of April, 2001, by and
between DPD ENTERPRISES, INC., a Georgia corporation, ("Seller"), and C&S
BANCORPORATION, INC., a Georgia Corporation, ("Purchaser");

                                   WITNESSETH:

         For and in consideration of the sum of TEN AND NO/100 DOLLARS ($10.00),
the mutual covenants contained herein, and for other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged, the
parties hereto, intending to be legally bound, agree as follows:

1.       PURCHASE AND SALE

         Upon the terms and conditions hereinafter set forth, Seller agrees to
sell and Purchaser agrees to purchase an approximately 1.50 acre parcel, known
as Out--Parcel 2, Mill Creek Center, Pooler, Chatham County, Georgia, as shown
on the plat labeled Exhibit A attached hereto and made a part hereof (the
"Property").

2.       EARNEST MONEY

         Purchaser shall pay to the Escrow Agent (as hereinafter defined)
$25,000.00 within seven (7) days of the Effective Date (as hereinafter defined)
( the "Earnest Money"). Said sum shall be held by the Escrow Agent and applied
or disbursed in accordance with the terms of this Agreement.

3.       PURCHASE PRICE

         3.1      The purchase price ("Purchase Price") for the Property to be
paid by Purchaser to Seller at the Closing and consummation of the purchase and
sale of the Property as contemplated herein (the "Closing" and the date of such
Closing, the "Closing Date") shall be $975,000.00.

         3.2      The Purchase Price shall be paid at Closing by immediately
available funds, less a credit for the Earnest Money.

         3.3      The Purchase Price shall be adjusted to reflect the prorations
between Purchaser and Seller in paragraph 7 below.

4.       [RESERVED]

<PAGE>   2

5.       CLOSING

         The Closing shall be held on or before sixty (60) days from the date of
the last execution of this Agreement ("Effective Date"), during normal business
hours at the offices of Bouhan, Williams & Levy, Savannah, Georgia.

6.       CONVEYANCE OF TITLE

         6.1      At the Closing, Seller shall convey to Purchaser "good and
marketable fee simple title" to the Property by Limited Warranty Deed. "Good and
marketable fee simple title" shall be such title as is acceptable to a
reasonable purchaser using the State Bar of Georgia Title Standards, as
currently published, as the criteria to marketability of the title required
hereby, and is insurable by a title insurance company acceptable to Purchaser at
standard rates and without exception other than the Permitted Exceptions as
defined herein.

                  Title to the Property shall be conveyed by Seller to Purchaser
free of all liens, leases and encumbrances with the following exceptions (the
"Permitted Exceptions"):

                  (a)      Current state and county ad valorem property and
         sanitary sewer taxes not yet due and payable;

                  (b)      General utility, sewerage and drainage easements
         affecting the Property which do not interfere with Purchaser's intended
         use of the Property or impose obligations or burdens upon Purchaser;

                  (c)      Any matter which would be disclosed by an accurate
         survey and inspection of the Property as to which Purchaser does not
         object within the Inspection Period; and

                  (d)      Notwithstanding any provision hereof to the contrary,
         the Property shall not be subject to any covenants, restrictions and
         agreements which restrict the use of the Property for banking purposes.

         6.2      At the Closing, Seller shall execute and deliver to Purchaser
the Limited Warranty Deed, a standard form owner's affidavit and a certificate
with respect to Seller's non--foreign status sufficient to comply with the
requirements of Section 1445 of the Internal Revenue Code, commonly known as the
Foreign Investment in Real Property Tax Act of 1980, and all regulations
applicable thereto ("FIRPTA"). In addition, Seller shall execute and deliver
such other documents as Purchaser may reasonably require to effect or complete
the transaction contemplated by this Agreement and for Purchaser to obtain an
owner's policy of title insurance. Seller shall pay the State of Georgia
Transfer Tax and Seller's attorney's fees.

         6.3      At the Closing, Purchaser shall execute and deliver to Seller
such documents as Seller may reasonably require to effect or complete the
transaction contemplated by this Agreement. Purchaser shall pay Purchaser's
attorney's fees and other closing costs, and any utility/availability and
capacity fees.

7.       PRORATIONS

         At the Closing, all ad valorem property taxes and assessments of any
kind on the Property for the year of the Closing shall be prorated between
Purchaser and Seller as of midnight of the day prior to Closing. Such proration
shall be based upon the latest ad valorem property tax and assessment bills
available.

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<PAGE>   3

8.       INSPECTION

         8.1      Purchaser shall have a period of forty-five (45) calendar days
after the Effective Date of this Agreement (the "Inspection Period") within
which to examine, examine title, inspect and review the Property at Purchaser's
expense to determine the suitability of the Property for Purchaser's intended
use including, without limitation, verification of zoning, utility usage and
inspect fees, environmental assessment and ability to secure approvals from
applicable governmental agencies to develop the Property in accordance with
Purchaser's intended use. In the event Purchaser determines, within the
Inspection Period, that the Property is not suitable for its intended use,
Purchaser shall have the right to terminate this Agreement by giving written
notice to Seller of such termination prior to the expiration of the Inspection
Period. If Purchaser so terminates this Agreement within the Inspection Period,
then the Earnest Money shall be promptly returned to Purchaser, and this
Agreement shall thereupon become null and void, and neither party shall have any
further rights or obligations hereunder except as expressly provided. If
Purchaser fails to so terminate this Agreement within the Inspection Period,
then Purchaser shall be deemed to have waived such right to terminate and shall
be obligated to close this transaction as contemplated herein.

         8.2      Purchaser indemnifies and holds Seller harmless from and
against any and all loss or damage Seller may incur and any and all liens that
may arise as a result of Purchaser's activities or the activities of Purchaser's
agents, representatives or designees on the Property and against any and all
claims for death or injury to persons or properties arising out of or connected
with Purchaser's (or its agents, representatives or designees) going upon the
Property pursuant to the provisions of this Paragraph or otherwise, and against
all costs, expenses and liabilities occurring in or in connection with any such
claim or proceeding brought thereon, including, without limitation, court costs
and reasonable attorneys' fees. This indemnity shall survive the Closing or any
termination of this Agreement.

9.       [RESERVED].

10.      NOTICES

         All notices, demands and deliveries of surveys and any and all other
communications that may be or are required to be given to or made by either
party to the other in connection with this Agreement shall be in writing and
shall be deemed to have been properly given if delivered in person, or sent by
overnight commercial courier or by registered or certified mail, return receipt
requested, to the addresses set out below or at such other address as specified
by written notice and delivered in accordance herewith:

         SELLER:           Mr. Dharmendra K. Patel

         PURCHASER:        Mr. Brian R. Foster
                           C&S Bancorporation, Inc.
                           P. O. Box 1248
                           Savannah, Georgia 31402-1248.

         For the purposes of this Agreement, the time of actual delivery, as
evidenced by a signed receipt therefor, if made in person, or one day after
deposit in the ordinary course of business, if by overnight commercial courier,
or the date of postmark, if by mail, shall be deemed the date of any notice,
demand or delivery. Rejection or other refusal to accept or inability to deliver

                                       3
<PAGE>   4

because of changed address of which no written notice was given shall be deemed
to be receipt of such notice, demand or delivery. By giving at least five days
prior written notice thereof to all other parties hereto, a party hereto may
from time-to-time and at any time change its mailing address hereunder.

11.      [RESERVED]

12.      ASSIGNMENT.

         Purchaser shall have the right to assign this Agreement to any
person(s), partnership or corporation, without the prior written consent of
Seller.

13.      DEFAULT

         In the event the transaction contemplated hereby is not closed because
of Purchaser's default, the Earnest Money shall be retained by Seller, and, in
addition, Seller shall have all rights and remedies available at law and in
equity for Purchaser's breach. In the event the transaction contemplated hereby
is not closed because of Seller's default, then the Earnest Money shall be
refunded promptly to Purchaser and Purchaser shall have all rights and remedies
available at law or in equity for Seller's breach.

14.      ESCROW AGENT

         The Escrow Agent referred to above shall be Richard F. Zittrouer and
Colonial Investment Group. The Escrow Agent shall not be charged with any
knowledge until such facts are communicated to the Escrow Agent in writing. The
Escrow Agent shall not be required to institute or maintain any litigation
unless indemnified to his satisfaction for his counsel fees, costs,
disbursements and all other expenses and liabilities to which he may, in his
judgment, be subjected in connection with such action, except with respect to
matters arising out of the gross negligence or willful misconduct of Escrow
Agent. Seller and Purchaser shall at all times indemnify the Escrow Agent
against all actions, proceedings, claims or demands arising out of this
transaction, except with respect to matters arising out of the gross negligence
or willful misconduct of Escrow Agent. Upon failure of Purchaser to comply with
the requirements as set forth herein and pursuant to Paragraph 13 hereof, Escrow
Agent shall be empowered to dispose of the Earnest Money Deposit as provided for
in said paragraph without incurring any liability. In the event of a dispute
between Seller and Purchaser which cannot be resolved, Escrow Agent shall have
the option to deposit the Earnest Money Deposit into a court of competent
jurisdiction pending resolution of the deposition of said funds and to
interplead Seller and Purchaser in respect thereof, and upon depositing said
funds, Escrow Agent shall bear no further responsibility.

15.      [RESERVED]

16.      [RESERVED]

17.      POSSESSION

         Seller shall deliver actual possession of the Property to Purchaser at
Closing.

                                       4
<PAGE>   5

18.      SURVIVAL OF CERTAIN PROVISIONS

         All terms, provisions, conditions or obligations set forth in
Paragraphs 8, 10, 11 and 14 of this Agreement shall survive the Closing and
shall inure to the benefit of and be binding upon the respective parties hereto,
their successors and assigns. Except as set forth in the preceding sentence, the
provisions of this Agreement shall not survive the Closing, but shall merge into
the documents executed and delivered at the Closing.

19.      MISCELLANEOUS

         19.1     This Agreement shall be construed and interpreted under the
laws of the State of Georgia.

         19.2     Time is of the essence in complying with the terms, conditions
and agreements of this Agreement.

         19.3     This Agreement contains the entire agreement of the parties
hereto with respect to the subject matter hereof and no representations,
inducements, promises or agreements, oral or otherwise, between the parties and
not expressly stated herein, shall be of any force or effect.

         19.4     This Agreement shall be binding upon and inure to the benefit
of the parties hereto, and their respective successors and assigns.

         19.5     Any amendment to this Agreement shall not be binding upon
Purchaser and Seller unless such amendment is in writing duly executed by both
Purchaser and Seller.

         19.6     Upon Purchaser's execution and delivery of this Agreement to
Purchaser, this Agreement shall be deemed an offer by Purchaser to Seller open
for acceptance until 5:00 P.M. on the ___ day of April, 2001, by which time a
fully executed copy of this Agreement must be delivered by Seller to Purchaser;
otherwise, this offer shall be terminated and of no further force or effect.

         19.7     The provisions of this Agreement concerning disbursement of
the Earnest Money, Purchaser's entering upon the Property and any others
expressly so indicating shall survive termination.

                                       5
<PAGE>   6

20.      CLOSING COSTS. All closing costs and prepaids are to be paid by
         Purchaser. Seller shall pay State Transfer Tax.

         IN WITNESS WHEREOF, Seller and Purchaser have caused this instrument to
be executed, under seal, as of the day and year first above written.

<TABLE>
<S>                                          <C>
                                             SELLER:

Signed, sealed and delivered in the          DPD ENTERPRISES, INC.
presence of:

/s/ Witness                                  By: /s/ President
--------------------------------------          --------------------------------
Unofficial Witness                           Title: President

/s/ Tina Saxon Morris
--------------------------------------
Notary Public
                                             Date of Execution: 4/26/2001

                                             PURCHASER:

Signed, sealed and delivered in the          C&S BANCORPORATION, INC.
presence of:

/s/ Ann B. Crowder                           By: /s/ Brian R. Foster
--------------------------------------          --------------------------------
Unofficial Witness                              Title: President and Chief Executive Officer

/s/ Dorothy L. Rhodes                        Date of Execution: 4/18/2001
--------------------------------------
Notary Public
</TABLE>

                                       6

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