Document:

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                                   EXHIBIT 4.1

           First Sterling Banks, Inc. 2000 Directors Stock Option Plan

                                                                   Page 10 of 25

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                           FIRST STERLING BANKS, INC.

                        2000 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.   "Area" - the geographic area within twenty-five (25) miles of any
          branch banking office of the Corporation or any of its Affiliate
          banks.
     c.   "Banks" - Community Bank of Georgia, The Eastside Bank & Trust
          Company, The Westside Bank & Trust Company and Main Street Bank.
     d.   "Board" - the Board of Directors of the Corporation.
     e.   "Code" - the Internal Revenue Code of 1986, as amended.
     f.   "Committee" - the Compensation Committee of the Board or a committee
          named specifically by the Board to administer this Plan.
     g.   "Common Stock" - the common voting stock of the Corporation.
     h.   "Competing Business" - a federally insured financial institution.
     i.   "Corporation" - FIRST STERLING BANKS, INC.
     j.   "Director" - a voting member of any of the Boards of Directors of the
          Banks or the Corporation.
     k.   "Emeritus Director" - a former Director of any of the Banks or the
          Corporation who has been designated by any of the Boards of Directors
          of the Banks or the Corporation as an emeritus non-voting advisory
          member of any such Board.
     l.   "Fair Market Value" - determined in good faith by the Board by
          reference to the price at which the shares of Common Stock are trading
          on the NASDAQ National Market System or any other exchange on which
          the shares may be traded.
     m.   "Non-Competition Condition" - the non-competition condition described
          in Section 10 below.
     n.   "Non-Qualified Options" - options which are not "qualified" within the
          meaning of Sections 422 and 423 of the Code.
     o.   "Option" - right to purchase shares of Common Stock.
     p.   "Option Agreement" - formal agreement for each grant with specific
          terms and conditions not inconsistent with this Plan.
     q.   "Optionee" - an eligible person under Section 5 below who has been
          granted Options under Plan.
     r.   "Plan" - the First Sterling Banks, Inc. 2000 Directors Stock Option
          Plan.

2. PURPOSE

     The purposes of the Plan is to advance the interests of the Banks and the
     Corporation and its shareholders by providing Directors and Emeritus
     Directors of the Banks and the

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     Corporation a sense of proprietorship and personal involvement and to
     encourage Directors and Emeritus Directors of the Banks 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 175,703 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 Banks 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
     $11.625 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.

<TABLE>
<CAPTION>
               NAME                                 NUMBER OF SHARES
               ----                                 ----------------
               <S>                                  <C>
               T. H. Avery                               15,973
               Denny M. Dobbs                            15,973
               Fred W. Greer, Jr.                        15,973
               Louly F. Hay                              15,973
               C. Candler Hunt                           15,973
               Randall G. Meadows                        15,973
               A. Lamar Ouzts                            15,973
               Joseph E. Patrick, Jr.                    15,973
               Joseph W. Sharp                           15,973
               Frank B. Turner                           15,973
               Edgar H. Wood                             15,973
</TABLE>

     The Committee 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

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     Value of a share on the date of the grant as determined in good faith by
     the Board of Directors.

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 11, 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. NON-COMPETITION CONDITION

     Any Option granted hereunder is subject to the condition that the Optionee
     does not violate the Non-Competition Condition set forth herein. The Option
     of any Optionee shall terminate immediately upon the violation by the
     Optionee of the Non-Competition Condition. A good faith determination by
     the Board that the Optionee has violated or is in violation of the
     Non-Competition Condition shall be conclusive for all purposes hereunder.
     The Non-Competition Condition is as follows: During the term of any Option
     granted to the Optionee, the Optionee shall not (except on behalf of, or
     with the prior written consent of, the Corporation) for a Competing
     Business located within the Area, either directly or indirectly, on his or
     her own behalf, or in the service or on behalf of others, as a principal,
     partner, organizer, officer, director, emeritus or advisory director,
     manager, consultant, or an employee whose duties include business
     development, marketing or public relations, work for, engage or participate
     in any such Competing Business.

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

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     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.

     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.

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     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.

12. EFFECTIVENESS OF THE PLAN

     The effective date of the Plan shall be July 12, 2000, 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.

13. 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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                                   EXHIBIT 4.2

       Form of First Sterling Banks, Inc. 2000 Directors Stock Option Plan
                             Stock Option Agreement

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                           FIRST STERLING BANKS, INC.

                        2000 DIRECTORS STOCK OPTION PLAN

                             STOCK OPTION AGREEMENT

     THIS STOCK OPTION AGREEMENT (the "Option Agreement") is made and entered
into effective as of the 12th day of July, 2000 by and between FIRST STERLING
BANKS, INC. (the "Corporation") and __________________________, a resident of
the State of Georgia (the "Optionee"). This Option Agreement is entered into by
the Corporation and the Optionee pursuant to First Sterling Banks, Inc. 2000
Directors Stock Option Plan (the "Plan"). The Plan is incorporated herein by
reference and made a part of this Option Agreement. Defined terms in the Plan
shall have the same definition herein.

1. STOCK OPTION.

     The Corporation hereby grants to the Optionee the option (the "Option") to
purchase fifteen thousand, nine hundred seventy-three (15,973) shares (the
"Shares") of the Common Stock (the "Common Stock") of the Corporation in
accordance with the terms and subject to the restrictions hereinafter set forth.

     The Option has been granted on the date of this Option Agreement and shall
terminate on July 11, 2010 unless sooner terminated in whole or in part as
follows:

     (a) The Option shall terminate immediately upon the violation by the
Optionee of the Non-Competition Condition. A good faith determination by the
Board that the Optionee has violated or is in violation of the Non-Competition
Condition shall be conclusive for all purposes hereunder. The Non-Competition
Condition is as follows: During the term of the Option, the Optionee shall not
(except on behalf of, or with the prior written consent of, the Corporation) for
a Competing Business located within the Area, either directly or indirectly, on
his or her own behalf, or in the service or on behalf of others, as a principal,
partner, organizer, officer, director, emeritus or advisory director, manager,
consultant, or an employee whose duties include business development, marketing
or public relations, work for, engage or participate in any such Competing
Business.

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     (b) The Option shall terminate on the date which is two (2) years from the
date that the Optionee ceases to be a Director or an Emeritus Director by reason
of his or her death.

2. EXERCISE OF OPTION.

     The Option may be exercised in whole or in part at any time prior to its
termination, provided that the Option may not be exercised prior to six (6)
months following the date hereof except as provided in Section 11 of the Plan
(the "Exercise Period").

     The Option shall be exercised by written notice directed to the Secretary
of the Corporation at P.O. Box 2147, Marietta, Georgia 30061. Such written
notice shall be accompanied by payment in full in cash or by check or shares of
the Common Stock previously held by the Optionee or any contribution which
equals in value the Option Price for the number of Shares specified in such
written notice.

3. OPTION PRICE.

     The price per share at which Shares may be purchased pursuant to exercise
of the Option (the "Option Price") shall be $11.625 (which amount has been
determined by the Board to be the fair market value per share of the Common
Stock on the date that this Option is granted).

4. NONTRANSFERABILITY.

     The Option is not transferable except by will or by the laws of descent and
distribution.

5. LIMITATION OF RIGHTS.

     The Optionee or the personal representative of the Optionee shall have no
rights as a stockholder with respect to the Shares covered by the Option until
the Optionee or the personal representative of the Optionee shall become the
holder of record of such Shares.

6. STOCK RESERVE.

     The Corporation shall at all times during the Exercise Period under this
Option Agreement reserve and keep available such number of Shares of Common
Stock as will be sufficient to satisfy the requirements of this Option Agreement
and shall pay all original issue taxes (if any) on the exercise of the Option
and all other fees and expenses necessarily incurred by the Corporation in
connection therewith.

7. RESTRICTIONS ON TRANSFER AND PLEDGE.

     Except as provided in Section 4 hereof, the Option and all rights and
privileges granted hereunder shall not be transferred, assigned, pledged or
hypothecated in any way, whether by operation of law or otherwise, and shall not
be subject to execution, attachment or similar process. Upon any attempt to
transfer, assign, pledge, hypothecate or otherwise dispose of the

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Option or any right or privilege granted hereunder, except as provided herein,
or upon the levy or any attachment or similar process upon the rights and
privileges herein conferred, the Option and the rights and privileges hereunder
shall become immediately null and void.

8. RESTRICTIONS ON ISSUANCE OF SHARES.

     If at any time the Board shall determine, in its discretion, that listing,
registration or qualification of the Shares covered by the Option upon any
securities exchange or under any state or federal law, or the consent or
approval of any governmental regulatory body, is necessary or desirable as a
condition to the exercise of the Option, the Option may not be exercised 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.

9. PLAN CONTROLS.

     In the event of any actual or alleged conflict between the provisions of
the Plan and the provisions of this Option Agreement, the provisions of the Plan
shall be controlling and determinative.

10. SUCCESSORS.

     This Agreement shall be binding upon any successor of the Corporation in
accordance with the terms of this Option Agreement and the Plan.

     IN WITNESS WHEREOF, the Corporation, acting by and through its duly
authorized officers, has caused this Option Agreement to be executed and the
Optionee has executed this Option Agreement, all as of the day and year first
above written.

<TABLE>
<S>                                        <C>
                                           FIRST STERLING BANKS, INC.

                  [SEAL]

Attest:                                    By:
                                                   Edward C. Milligan
                                                   President

By:
</TABLE>

                       [SIGNATURES CONTINUE ON NEXT PAGE]

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                         [CONTINUED FROM PRECEDING PAGE]

                                    OPTIONEE:

                                    _______________________________

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