Document:

EMPLOYMENT AGREEMENT

     THIS  AGREEMENT  is made as of the 17th day of December, 2003, by and among
                                        ----        --------------
FLINT RIVER BANCSHARES, INC., a bank holding company incorporated under the laws
of the State of Georgia (the "Company" or the "Employer") and GERALD E. LEWIS, a
resident of the State of Georgia (the "Executive").

                                    RECITALS:

     The  Employer desires to employ the Executive as Chief Executive Officer of
the Company and the Executive desires to accept such employment.

     At  such  time  as  the  Flint  River  National  Bank  (Proposed)  receives
preliminary  approval  of  its  regulatory  charter  from  its  primary  federal
regulator,  the Company intends to cause Flint River National Bank (Proposed) to
employ  the  Executive  as  its  Chief Executive Officer on terms and conditions
substantially  similar  to  those  set  forth  herein.

     In  consideration  of  the  above  premises  and  the  mutual  agreements
hereinafter set forth, the parties hereby agree as follows:

1.     Definitions.  Whenever  used  in  this Agreement, the following terms and
       -----------
their variant forms shall have the meaning set forth below:

     1.1     "Agreement" shall mean this Agreement and any exhibits incorporated
              ---------
herein  together with any amendments hereto made in the manner described in this
Agreement.

     1.2     "Area"  shall  mean  the  geographic  area within the boundaries of
              ----
Mitchell County, Georgia.  It is the express intent of the parties that the Area
as defined herein is the area where the Executive performs services on behalf of
the Employer under this Agreement as of the Opening Date.

     1.3     "Bank"  shall  mean  Flint  River  National  Bank  (Proposed).
              ----

     1.4     "Business of the Employer" shall mean the business conducted by the
              ------------------------
Employer, which is the business of commercial banking.

     1.5     "Cause"  shall  mean:
              -----

          1.5.1     With  respect  to  termination  by  the  Employer:

               (a)  A  material  breach  of  the  terms of this Agreement by the
          Executive,  including, without limitation, failure by the Executive to
          perform  his  duties  and  responsibilities  in  the manner and to the
          extent  required under this Agreement, which remains uncured after the
          expiration  of  thirty  (30)  days  following  the delivery of written
          notice  of  such  breach to the Executive by the Employer. Such notice
          shall (i) specifically identify the duties that the Board of Directors
          of  the

                                       1
<PAGE>
          Employer  believes  the Executive has failed to perform and (ii) state
          the  facts  upon  which  such  determination  is  made;

               (b)  Conduct  by the Executive that amounts to fraud, dishonesty,
          disloyalty  or willful misconduct in the performance of his duties and
          responsibilities  hereunder;

               (c)  Conviction  of  the  Executive  during  the  Term of a crime
          involving  breach  of  trust  or  moral  turpitude  or  any  felony;

               (d)  Conduct  by  the Executive that amounts to gross and willful
          insubordination  or  inattention  to  his  duties and responsibilities
          hereunder;  or

               (e)  Conduct  by  the  Executive that results in removal from his
          position  as  an  officer  or  executive of the Employer pursuant to a
          written  order by any regulatory agency with authority or jurisdiction
          over  the  Employer.

          1.5.2  With  respect  to  termination  by  the  Executive,  a material
     diminution  in  the  powers,  responsibilities  or  duties of the Executive
     hereunder  or  a  material  breach  of  the  terms of this Agreement by the
     Employer,  which  remains  uncured after the expiration of thirty (30) days
     following  the delivery of written notice of such breach to the Employer by
     the  Executive.

     1.6     "Change  of  Control"  means  any  one  of  the  following  events:
              -------------------

          (a)  the acquisition by any person or persons acting in concert of the
     then  outstanding  voting  securities  of  the  Employer  if,  after  the
     transaction,  the  acquiring  person  or persons owns controls or holds the
     power  to  vote  thirty  percent  (30%)  or  more  of  any  class of voting
     securities  of  the  Employer;

          (b)  within any twelve-month period (beginning on or after the Opening
     Date),  the  persons  who were directors of the Employer immediately before
     the beginning of such twelve-month period (the "Incumbent Directors") shall
     cease  to  constitute  at  least  a  majority  of  such Board of Directors;
     provided  that  any  director who was not a director as of the beginning of
     such  twelve-month  period  shall  be deemed to be an Incumbent Director if
     that  director  were  elected  to  such  Board  of  Directors by, or on the
     recommendation  of  or  with  the  approval  of, at least two-thirds of the
     directors  who  then qualified as Incumbent Directors; and provided further
     that  no  director whose initial assumption of office is in connection with
     an  actual  or  threatened  election  contest  relating  to the election of
     directors  shall  be  deemed  to  be  an  Incumbent  Director;

          (c)  a  reorganization,  merger,  share  exchange  combination  or
     consolidation,  with  respect to which persons who were the stockholders of
     the  Employer  immediately  prior  to  such  reorganization,  merger, share
     exchange  combination  or consolidation do not, immediately thereafter, own
     more  than  fifty  percent  (50%)  of  the  combined  voting  power

                                       2
<PAGE>
     entitled  to  vote in the election of directors of the reorganized, merged,
     combined  or  consolidated company's then outstanding voting securities; or

          (d)  the  sale,  transfer or assignment of all or substantially all of
     the  assets  of  the  Employer  to  any  third  party.

     1.7     "Charter  Date"  means  the  date  on  which  the  Bank  receives
              -------------
preliminary  approval  of  its  regulatory  charter  from  its  primary  federal
regulator.

     1.8     "Confidential  Information"  means data and information relating to
              -------------------------
the  business  of  the  Employer  (which  does not rise to the status of a Trade
Secret)  which  is  or  has  been  disclosed  to  the  Executive or of which the
Executive  became  aware  as  a  consequence  of  or  through  the  Executive's
relationship  to  the  Employer  and  which has value to the Employer and is not
generally  known  to its competitors. Confidential Information shall not include
any data or information that has been voluntarily disclosed to the public by the
Employer  (except  where  such  public disclosure has been made by the Executive
without authorization) or that has been independently developed and disclosed by
others, or that otherwise enters the public domain through lawful means.

     1.9     "Disability"  shall  mean the inability of the Executive to perform
              ----------
each  of  his  material  duties  under  this  Agreement  for the duration of the
short-term  disability  period  under  the  Employer's  policy then in effect as
certified by a physician chosen by the Employer and reasonably acceptable to the
Executive.

     1.10     "Effective  Date"  shall  mean  December  17,  2003.
               ---------------                          --

     1.11     "Employer  Information"  means  Confidential Information and Trade
               ---------------------
Secrets.

     1.12     "Initial  Term"  shall  mean that period of time commencing on the
               -------------
Effective  Date  and  running  until the earlier of the close of business on the
last  business  day immediately preceding the third anniversary of the Effective
Date  or  any  earlier  termination  of  employment  of the Executive under this
Agreement  as  provided  for  in  Section  3.

     1.13     "Opening  Date"  shall  mean the date the Bank opens for business.
               -------------

     1.14     "Term"  shall  mean  the  Initial  Term and all subsequent renewal
               ----
periods.

     1.15     "Trade  Secrets"  means  Employer  information  including, but not
               --------------
limited  to,  technical  or nontechnical data, formulas, patterns, compilations,
programs,  devices,  methods,  techniques,  drawings, processes, financial data,
financial  plans,  product  plans  or  lists of actual or potential customers or
suppliers  which:

          (a)  derives  economic  value,  actual  or  potential,  from not being
     generally known to, and not being readily ascertainable by proper means by,
     other persons who can obtain economic value from its disclosure or use; and

                                       3
<PAGE>
          (b)  is  the  subject  of  efforts  that  are  reasonable  under  the
     circumstances  to  maintain  its  secrecy.

2.     Duties.
       ------

     2.1     Position.  The  Executive is employed as Chief Executive Officer of
             --------
the  Employer  and,  subject  to  the direction of the Board of Directors of the
Employer  or  the  Board's  designee(s),  shall  perform  and discharge well and
faithfully  the  duties  which  may  be assigned to him from time to time by the
Board  of  Directors  in connection with the conduct of the Employer's business.
The  duties  and  responsibilities of the Executive are set forth on Exhibit "A"
                                                                     -----------
attached hereto. On or immediately following the Charter Date, the Company shall
cause the Bank to employ the Executive as its Chief Executive Officer. The terms
and conditions of the Executive's employment with the Bank shall be reflected by
an  amendment  to this Agreement pursuant to which the Bank shall become a party
hereto.

     2.2     Full-Time  Status.  In  addition to the duties and responsibilities
             -----------------
specifically  assigned  to  the  Executive  pursuant  to Section 2.1 hereof, the
Executive  shall:

          (a)  devote  substantially  all  of  his time, energy and skill during
     regular  business  hours to the performance of the duties of his employment
     (reasonable  vacations and reasonable absences due to illness excepted) and
     faithfully  and  industriously  perform  such  duties;

          (b)  diligently  follow  and  implement  all  reasonable  and  lawful
     management  policies  and  decisions  communicated  to  him by the Board of
     Directors  of  the  Employer;  and

          (c)  timely  prepare  and  forward  to  the  Board of Directors of the
     Employer  all reports and accountings as may be requested of the Executive.

     2.3     Permitted  Activities.  The  Executive  shall  devote  his  entire
             ---------------------
business  time, attention and energies to the Business of the Employer and shall
not  during the Term be engaged (whether or not during normal business hours) in
any  other  business  or  professional activity, whether or not such activity is
pursued  for  gain,  profit  or other pecuniary advantage; but this shall not be
construed  as  preventing  the  Executive  from:

          (a)  investing  his  personal  assets  in businesses which (subject to
     clause  (b) below) are not in competition with the Business of the Employer
     and  which  will  not  require any services on the part of the Executive in
     their operation or affairs and in which his participation is solely that of
     an  investor;

          (b)  purchasing securities in any corporation, the securities of which
     are  regularly  traded  provided that such purchase shall not result in him
     collectively  owning  beneficially at any time five percent (5%) or more of
     the  equity  securities of any business in competition with the Business of
     the  Employer;  and

                                       4
<PAGE>
          (c)  participating in civic and professional affairs and organizations
     and  conferences,  preparing  or  publishing papers or books or teaching so
     long  as the Board of Directors of the Employer approves in writing of such
     activities  prior  to  the  Executive's  engaging  in  them.

3.     Term  and  Termination.
       ----------------------

     3.1     Term.     This  Agreement  shall  remain  in  effect  for the Term.
             ----
Commencing with the first day of the Initial Term, the Term shall renew each day
such  that  the Term remains a three-year term from day-to-day thereafter unless
either  party  gives  written  notice to the other of its or his intent that the
automatic  renewals  shall  cease.  In  the  event such notice of non-renewal is
properly  given,  this  Agreement  and  the Term shall expire on the third (3rd)
anniversary  of  the thirtieth (30th) day following the date such written notice
is  received.

     3.2     Termination.  During  the  Term,  the  employment  of the Executive
             -----------
under this Agreement may be terminated only as follows:

          3.2.1     By  the  Employer:

               (a)  In  the  event that the Bank fails to receive its regulatory
          charter, or the Employer fails to raise the necessary capital required
          to  open the Bank, and should the Employer's Board of Directors decide
          to  forgo future efforts to open the Bank, in which event the Employer
          shall  be required to continue to meet its obligation to the Executive
          under  Section  4.1  at  the  Base  Salary rate that would have become
          effective  as of the Opening Date for twelve (12) months following the
          effective  date  of  termination;

               (b)  For  Cause, upon written notice to the Executive pursuant to
          Section  1.5.1  hereof,  in  which  event  the  Employer shall have no
          further  obligation  to  the  Executive  except for the payment of any
          amounts  due  and  owing  under  Section  4  on  the effective date of
          termination;

               (c)  Without  Cause at any time, provided that the Employer shall
          give  the  Executive  thirty  (30)  days'  prior written notice of its
          intent  to terminate, in which event the Employer shall be required to
          continue to meet its obligation to the Executive under Section 4.1 for
          twelve  (12)  months  following  the  effective  date  of termination;

               (d)  Upon  the  Disability of the Executive at any time, provided
          that  the  Employer  shall  give the Executive thirty (30) days' prior
          written  notice of its intent to terminate, in which event, for twelve
          (12)  months  following the effective date of termination or until the
          Executive  begins  receiving  payments  under the long-term disability
          policy maintained for the employees of the Employer, if any, whichever
          occurs  first,  the Employer shall be required to continue to meet its
          obligation  to  the  Executive  under  Section  4.1;  or

                                       5
<PAGE>
               (e)  In  the  event  that  the primary regulator for the Employer
          objects  to  the Executive's service as Chief Executive Officer of the
          Employer, in which event the Employer shall have no further obligation
          to  the  Executive except for the payment of any amounts due and owing
          under  Section  4  on  the  effective  date  of  termination.

          3.2.2     By  the  Executive:

               (a)  For  Cause,  upon written notice to the Employer pursuant to
          Section 1.5.2 hereof, in which event the Employer shall be required to
          continue to meet its obligation to the Executive under Section 4.1 for
          twelve  (12)  months  following  the effective date of termination; or

               (b)  Without  Cause,  provided  that the Executive shall give the
          Employer  sixty  (60)  days'  prior  written  notice  of his intent to
          terminate,  in  which  event  the  Employer  shall  have  no  further
          obligation  to the Executive except for payment of any amounts due and
          owing  under  Section  4  on  the  effective  date of the termination.

          3.2.3     At  any  time upon mutual, written agreement of the parties,
     in  which  event  the  Employer  shall  have  no  further obligation to the
     Executive  except  for  payment of amounts due and owing under Section 4 on
     the  effective  date  of  termination.

          3.2.4     Notwithstanding  anything in this Agreement to the contrary,
     the Term shall end automatically upon the Executive's death, in which event
     the  Employer  shall  have  no further obligation to the Executive's estate
     except  for payment of amounts due and owing under Section 4 on the date of
     the  Executive's  death.

     3.3     Change of Control.  If, within six (6) months following a Change of
             -----------------
Control,  the  Executive  terminates his employment with the Employer under this
Agreement  for  Cause  or the Employer terminates Executive's employment without
Cause,  the  Executive,  or in the event of his subsequent death, his designated
beneficiaries  or  his  estate, as the case may be, shall receive, as liquidated
damages,  in lieu of all other claims, a lump sum severance payment equal to the
amount  of  the  Executive's  current  Base  Salary that would be payable over a
period of six (6) months following the effective date of termination, to be paid
in  full  on  the  last  day  of  the  month  following  the  effective  date of
termination.  In  no  event  shall  the payment(s) described in this Section 3.3
exceed  the  amount  permitted  by Section 280G of the Internal Revenue Code, as
amended  (the "Code").  Therefore, if the aggregate present value (determined as
of  the  date  of  the  Change  of  Control in accordance with the provisions of
Section  280G  of the Code) of both the severance payment and all other payments
to  the Executive in the nature of compensation which are contingent on a change
in  ownership  or  effective  control  of  the Employer or in the ownership of a
substantial  portion  of  the assets of the Employer (the "Aggregate Severance")
would  result  in  a  "parachute  payment," as defined under Section 280G of the
Code,  then the Aggregate Severance shall not be greater than an amount equal to
2.99  multiplied  by  Executive's  "base amount" for the "base period," as those
terms  are  defined  under Section 280G of the Code.

                                       6
<PAGE>
In  the event the Aggregate Severance is required to be reduced pursuant to this
Section  3.3, the Executive shall be entitled to determine which portions of the
Aggregate  Severance are to be reduced so that the Aggregate Severance satisfies
the  limit set forth in the preceding sentence. Notwithstanding any provision in
this  Agreement, if the Executive may exercise his right to terminate employment
under this Section 3.3 or under Section 3.2.2(a), the Executive may choose which
provision  shall  be  applicable.

     3.4     Effect  of  Termination.  Upon  termination  of  the  Executive's
             -----------------------
employment  hereunder  for  any  reason,  the  Employer  shall  have  no further
obligations  to  the  Executive  or  the Executive's estate with respect to this
Agreement,  except  for  the payment of any amounts accrued or otherwise due and
owing  under  Section  4  hereof  and  unpaid  as  of  the effective date of the
termination  of employment and payments set forth in Sections 3.2.1(a), (c), (d)
and  (e),  Section  3.2.2(a),  or  Section  3.3,  as  applicable.

4.     Compensation.  The  Executive  shall  receive  the  following  salary and
       ------------
benefits during the Term, except as otherwise provided below:

     4.1     Base  Salary.  For  the period beginning with the Effective Date of
             ------------
this  Agreement  and  continuing  until the Charter Date, the Executive shall be
compensated  at  an  annual  base rate of $100,000 (the "Base Salary"). The Base
Salary  will be increased to $110,000 on the Charter Date and to $120,000 on the
Opening  Date.  The  Executive's  Base  Salary shall be reviewed by the Board of
Directors  of the Employer at least annually thereafter, and the Executive shall
be  entitled  to  receive annually an increase in such amount, if any, as may be
determined  by the Board of Directors based on its evaluation of the Executive's
performance.  Base  Salary  shall  be  payable in accordance with the Employer's
normal  payroll  practices.

     4.2     Incentive Compensation.  Beginning on or after the Opening Date the
             ----------------------
Executive  shall be eligible to participate in a bonus plan to be established by
the Board of Directors of the Employer and based on performance goals set by the
Board  of  Directors.  Any  Annual Bonus will be payable within ninety (90) days
following  the  last  day  of  the  calendar year for which such Annual Bonus is
earned.

     4.3     Stock  Options.  As  soon  as practicable after the Effective Date,
             --------------
the  Employer  will  establish  a  stock  incentive  plan  and will grant to the
Executive an incentive stock option to purchase a number of shares equal to five
percent  (5%) of the number of shares sold in the Employer's initial offering of
its stock.  The option will be issued by the Employer pursuant to the Employer's
stock  incentive  plan  and  subject  to  the  terms  of  a related stock option
agreement.

     4.4     Automobile.  Beginning  as of the Effective Date, the Employer will
             ----------
provide  the  Executive with a monthly automobile allowance of $400.00 per month
until  the  Opening  Date.  Beginning  as of the Opening Date, the Employer will
provide the Executive with an automobile of a make and model to be determined by
the  Employer with a value not to exceed $25,000.00. The Employer will reimburse
the Executive for expenses associated with the operation, maintenance and repair
for  the automobile.  Not less frequently than once annually, the Executive will
make  a  good faith allocation between business and personal use of such vehicle
as  required  by  the  Internal  Revenue  Service  guidelines.

                                       7
<PAGE>
     4.5     Health  Insurance.  The  Employer  will reimburse the Executive for
             -----------------
the cost of premium payments paid by the Executive for COBRA continuation health
and  dental  insurance  coverage  covering  the  Executive  as  offered  by  the
Executive's  prior  employer  until  such  time  as  the  Executive is no longer
eligible  for  COBRA  continuation  health  and dental insurance coverage or the
Employer,  as  applicable,  adopts  a health insurance plan for employees of the
Employer,  whichever  occurs  first.  At  such time, the Employer will reimburse
Executive for the cost of premium payments by the Executive under the Employer's
health  insurance  plan  for  coverage  for  the  Executive  and  his  spouse.
Notwithstanding  the  foregoing, payments under this Section shall terminate 180
days  after  the  Effective  Date.

     4.6     Life  Insurance.  The Employer will provide the Executive with term
             ---------------
life insurance coverage providing a death benefit of $250,000.00 payable to such
beneficiary  or  beneficiaries  as  the  Executive  may  designate.

     4.7     Moving and Living Expenses.
             --------------------------

          4.7.1     The Employer will reimburse the Executive for reasonable and
necessary  expenses  associated with moving his residence to Mitchell County, in
amount  not  to  exceed to the lowest of three (3) bids secured by the Executive
and  provided to the Employer.. As a condition to reimbursement pursuant to this
Section,  the  Executive  shall  submit verification of the nature and amount of
such  expenses  in  accordance  with  reimbursement  policies  from time to time
adopted  by  the  Employer  and  in  sufficient  detail to comply with rules and
regulations  promulgated  by  the  Internal  Revenue  Service.

          4.7.2     The  Executive  shall  occupy,  and  the  Employer shall pay
rental  expenses  not  to  exceed $850.00 per month. Payments under this Section
shall  terminate  after  six  (6)  months.

          4.7.3.     The  Executive  acknowledges  that the Employer has made no
representations  concerning  the  taxability  or  nontaxability  of  any  of the
reimbursements  contemplated  by  this  Section.

     4.8  Business  Expenses;  Memberships.  The Employer specifically agrees to
          --------------------------------
reimburse  the  Executive  for:

          (a)  reasonable  and  necessary  business  expenses (including travel)
     incurred  by  him in the performance of his duties as approved by the Board
     of  Directors  of  the  Employer;

          (b)  the  reasonable dues and business related expenditures associated
     with  membership  in  trade  and professional associations, as are mutually
     agreed  upon by the Executive and the Employer, which are commensurate with
     the  Executive's  position;  and

                                       8
<PAGE>
          (c)  the  dues and business related expenditures, including initiation
     fees,  associated  with  membership  in  a  single local country club and a
     single  civic organization as selected by the Executive and approved by the
     Board  of  Directors  of  the  Employer;

provided,  however,  that  the  Executive  shall,  as  a  condition  of  any
reimbursement,  submit verification of the nature and amount of such expenses in
accordance with reimbursement policies from time to time adopted by the Employer
and in sufficient detail to comply with rules and regulations promulgated by the
Internal  Revenue Service. The Executive acknowledges that the Employer has made
no  representation  concerning  the  taxability  or  nontaxability of any of the
reimbursements  contemplated  by  this  Section.

     4.9     Vacation.  On  a  non-cumulative  basis,  the  Executive  shall  be
             --------
entitled  to  four  (4) weeks of vacation in each successive twelve-month period
     during the Term, during which his compensation shall be paid in full.

     4.10     Sick  Leave.  The  Executive shall be entitled to thirty (30) days
              -----------
of  paid sick leave time in each successive twelve-month period during the Term,
     during which Executive's compensation shall be paid in full.

     4.11     Benefits.  In  addition  to the benefits specifically described in
              --------
this  Agreement,  the  Executive  shall  be  entitled to such benefits as may be
available  from time to time to executives of the Employer similarly situated to
the Executive. All such benefits shall be awarded and administered in accordance
with  the Employer's standard policies and practices. Such benefits may include,
by  way  of  example  only, profit-sharing and retirement plans, dental, health,
life  and  disability  insurance benefits, sick leave and such other benefits as
the  Employer  deems  appropriate.

     4.12     Withholding.  The  Employer  may  deduct  from  each  payment  of
              -----------
compensation  hereunder  all  amounts  required  to  be deducted and withheld in
accordance  with  applicable  federal  and  state  income  tax,  FICA  and other
withholding  requirements.

5.     Employer  Information.
       ---------------------

     5.1     Ownership  of  Employer  Information.   All  Employer  Information
             ------------------------------------
received  or  developed  by  the  Executive  while employed by the Employer will
remain  the  sole  and  exclusive  property  of  the  Employer.

     5.2     Obligations  of  the  Executive.  The  Executive  agrees:
             -------------------------------

          (a)  to  hold  Employer  Information  in  strictest  confidence;

          (b)  not  to  use,  duplicate,  reproduce,  distribute,  disclose  or
     otherwise  disseminate  Employer Information or any physical embodiments of
     Employer  Information;  and

                                       9
<PAGE>
          (c)  in  any event, not to take any action causing or fail to take any
     action  necessary  in order to prevent any Employer Information from losing
     its  character or ceasing to qualify as Confidential Information or a Trade
     Secret.

In  the  event  that  the  Executive is required by law to disclose any Employer
Information,  the  Executive will not make such disclosure unless (and then only
to  the extent that) the Executive has been advised by independent legal counsel
that such disclosure is required by law and then only after prior written notice
is  given  to the Employer when the Executive becomes aware that such disclosure
has  been  requested  and is required by law. This Section 5 shall survive for a
period  of  two (2) years following termination of this Agreement for any reason
with  respect to Confidential Information, and shall survive termination of this
Agreement  for  any  reason  for so long as is permitted by applicable law, with
respect  to  Trade  Secrets.

     5.3     Delivery  upon  Request  or  Termination.  Upon  request  by  the
             ----------------------------------------
Employer, and in any event upon termination of his employment with the Employer,
the  Executive  will  promptly deliver to the Employer all property belonging to
the  Employer,  including,  without limitation, all Employer Information then in
his  possession  or  control.

6.     Non-Competition.  The  Executive agrees that during his employment by the
       ---------------
Employer hereunder and, in the event of his termination:

     -  by  the  Employer  for  Cause  pursuant  to  Section  3.2.1(b),
     -  by  the  Employer  without  Cause  pursuant  to  Section  3.2.1(c),
     -  by  the  Executive  for  Cause  pursuant  to  Section  3.2.2(a),
     -  by  the  Executive  without  Cause  pursuant  to  Section  3.2.2(b),  or
     -  by  the Employer or the Executive in connection with a Change of Control
        pursuant  to  Section  3.3,

for  a period of twelve (12) months thereafter, he will not (except on behalf of
or  with  the  prior  written  consent of the Employer), within the Area, either
directly  or  indirectly,  on  his  own behalf or in the service or on behalf of
others,  as an executive employee or in any other capacity which involves duties
and  responsibilities similar to those undertaken for the Employer (including as
an  organizer,  director  or  proposed  executive  officer  of  a  new financial
institution),  engage  in  any  business which is the same as or essentially the
same  as  the  Business  of  the  Employer.

7.     Non-Solicitation  of  Customers.  The  Executive  agrees  that during his
       -------------------------------
employment by the Employer hereunder and, in the event of his termination:

     -  by  the  Employer  for  Cause  pursuant  to  Section  3.2.1(b),
     -  by  the  Employer  without  Cause  pursuant  to  Section  3.2.1(c),
     -  by  the  Executive  for  Cause  pursuant  to  Section  3.2.2(a),
     -  by  the  Executive  without  Cause  pursuant  to  Section  3.2.2(b),  or
     -  by  the Employer or the Executive in connection with a Change of Control
        pursuant  to  Section  3.3,

                                       10
<PAGE>
for  a period of twelve (12) months thereafter, he will not (except on behalf of
or  with the prior written consent of the Employer), within the Area, on his own
behalf  or in the service or on behalf of others, solicit, divert or appropriate
or  attempt  to  solicit,  divert  or  appropriate, any business from any of the
Employer's  customers,  including  prospective  customers actively sought by the
Employer,  with  whom  the Executive has or had material contact during the last
two  (2) years of his employment, for purposes of providing products or services
that  are  competitive  with  those  provided  by  the  Employer.

8.     Non-Solicitation  of  Employees.  The  Executive  agrees  that during his
       -------------------------------
employment by the Employer hereunder and, in the event of his termination:

     -  by  the  Employer  for  Cause  pursuant  to  Section  3.2.1(b),
     -  by  the  Employer  without  Cause  pursuant  to  Section  3.2.1(c),
     -  by  the  Executive  for  Cause  pursuant  to  Section  3.2.2(a),
     -  by  the  Executive  without  Cause  pursuant  to  Section  3.2.2(b),  or
     -  by  the Employer or the Executive in connection with a Change of Control
        pursuant  to  Section  3.3,

for  a period of twelve (12) months thereafter, he will not, within the Area, on
his  own  behalf  or  in the service or on behalf of others, solicit, recruit or
hire  away  or  attempt  to  solicit,  recruit or hire away, any employee of the
Employer,  whether  or  not:

     -  such  employee  is  a  full-time employee or a temporary employee of the
        Employer,
     -  such  employment  is  pursuant  to  written  agreement,  or
     -  such  employment  is  for  a  determined  period  or  is  at  will.

9.     Remedies.  The  Executive agrees that the covenants contained in Sections
       --------
5 through 8 of this Agreement are of the essence of this Agreement; that each of
the covenants is reasonable and necessary to protect the business, interests and
properties  of  the  Employer,  and  that  irreparable  loss  and damage will be
suffered  by  the Employer should he breach any of the covenants. Therefore, the
Executive  agrees and consents that, in addition to all the remedies provided by
law  or  in  equity,  the  Employer shall be entitled to a temporary restraining
order  and  temporary  and  permanent  injunctions  to  prevent  a  breach  or
contemplated  breach  of  any  of  the covenants. The Employer and the Executive
agree  that  all  remedies  available  to  the  Employer  or  the  Executive, as
applicable,  shall  be  cumulative.

10.     Severability.  The parties agree that each of the provisions included in
        ------------
this  Agreement is separate, distinct and severable from the other provisions of
this  Agreement  and  that  the  invalidity or unenforceability of any Agreement
provision shall not affect the validity or enforceability of any other provision
of  this Agreement. Further, if any provision of this Agreement is ruled invalid
or  unenforceable  by  a  court  of competent jurisdiction because of a conflict
between  the  provision  and  any applicable law or public policy, the provision
shall  be  redrawn  to  make  the  provision  consistent  with,  and  valid  and
enforceable  under,  the  law  or  public  policy.

11.     No Set-Off by the Executive.  The existence of any claim, demand, action
        ---------------------------
or cause of action by the Executive against the Employer whether predicated upon
this  Agreement  or

                                       11
<PAGE>
otherwise,  shall not constitute a defense to the enforcement by the Employer of
any  of  its  rights  hereunder.

12.     Notice.  All  notices  and  other  communications  required or permitted
        ------
under  this  Agreement shall be in writing and shall be delivered by hand or, if
mailed,  shall  be  sent  via  the United States Postal Service, certified mail,
return  receipt  requested or by overnight courier. All notices hereunder may be
delivered  by  hand  or  overnight  courier,  in which event the notice shall be
deemed effective when delivered. All notices and other communications under this
Agreement  shall  be  given  to  the  parties hereto at the following addresses:

          (i)     If  to  the  Employer,  to  it  at:

                  Flint  River  Bancshares,  Inc.
                  94-B  Oakland  Avenue.
                  Camilla,  GA  31730

          (ii)    If  to  the  Executive,  to  him  at:

                  Gerald  E.  Lewis
                  94-B  Oakland  Ave
                  ------------------
                  Camilla,  GA  31730
                  -------------------

Any  party  hereto  may  change  his  or  its address by advising the others, in
writing,  of  such  change  of  address.

13.     Assignment.  Neither  party hereto may assign or delegate this Agreement
        ----------
or  any  of  its rights and obligations hereunder without the written consent of
the  other  party  to  this  Agreement.

14.     Waiver.  A  waiver  by one party to this Agreement of any breach of this
        ------
Agreement  by the other party to this Agreement shall not be effective unless in
writing,  and no waiver shall operate or be construed as a waiver of the same or
another  breach  on  a  subsequent  occasion.

15.     Arbitration.  Any  controversy  or  claim  arising out of or relating to
        -----------
this contract, or the breach thereof, shall be settled by binding arbitration in
accordance  with  the  Commercial  Arbitration Rules of the American Arbitration
Association.  Judgment  upon the award rendered by the arbitrator may be entered
only  in  a  state  court of Mitchell County or the federal court for the Middle
District  of Georgia.  The Employer and the Executive agree to share equally the
fees  and  expenses  associated  with  the  arbitration  proceedings.
Executive must initial here:  /s/ GEL.
                              -------

16.     Attorneys'  Fees.  In the event that the parties have complied with this
        ----------------
Agreement  with respect to arbitration of disputes and litigation ensues between
the  parties  concerning  the  enforcement  of  an  arbitration award, the party
prevailing  in such litigation shall be entitled to receive from the other party
all reasonable costs and expenses, including without limitation attorneys' fees,
incurred  by  the  prevailing  party in connection with such litigation, and the
other

                                       12
<PAGE>
party  shall  pay  such costs and expenses to the prevailing party promptly upon
demand  by  the  prevailing  party.

17.     Applicable  Law.  This  Agreement  shall be construed and enforced under
        ---------------
and in accordance with the laws of the State of Georgia.

18.     Interpretation.  Words  importing any gender include all genders.  Words
        --------------
importing  the singular form shall include the plural and vice versa.  The terms
"herein",  "hereunder", "hereby", "hereto", "hereof" and any similar terms refer
to  this  Agreement.  Any captions, titles or headings preceding the text of any
article,  section  or  subsection herein are solely for convenience of reference
and  shall  not  constitute  part  of  this  Agreement  or  affect  its meaning,
construction  or  effect.

19.     Entire  Agreement.  This  Agreement  embodies  the  entire  and  final
        -----------------
agreement  of  the  parties  on the subject matter stated in this Agreement.  No
amendment  or  modification of this Agreement shall be valid or binding upon the
Employer  or  the  Executive  unless made in writing and signed by both parties.
All  prior  understandings and agreements relating to the subject matter of this
Agreement  are  hereby  expressly  terminated.

20.     Rights  of  Third  Parties.  Nothing  herein expressed is intended to or
        --------------------------
shall  be  construed to confer upon or give to any person, firm or other entity,
other  than  the  parties  hereto  and  their  permitted  assigns, any rights or
remedies  under  or  by  reason  of  this  Agreement.

21.     Survival.  The  obligations  of the Executive pursuant to Sections 5, 6,
        --------
7,  8  and  9  shall  survive the termination of the employment of the Executive
hereunder  for  the  period  designated under each of those respective sections.

     IN  WITNESS  WHEREOF,  the  Employer  and  the  Executive have executed and
delivered this Agreement as of the date first shown above.

                                          FLINT  RIVER  BANCSHARES,  INC.

                                          By:   /s/  Joe  B.  Bostick  Jr.
                                                ----------------------------
                                                Signature

                                                Joe  B.  Bostick,  Jr.
                                                ----------------------------
                                                Print  Name

Attest:  /s/ W. Jerry Kennedy                   Chairman  of  the  Board
         ----------------------                 ----------------------------
                                                Title

                                                /s/  Gerald  E.  Lewis
                                                ----------------------------

                                       13
<PAGE>
                                                GERALD  E.  LEWIS

                                        Date:   December 17, 2003
                                                ----------------------------

                                       14
<PAGE>
                                   Exhibit "A"
                                   -----------
                              Position Description
                             CHIEF EXECUTIVE OFFICER

Function:
--------

     The  Chief  Executive  Officer  has  responsibility  for  management of all
     aspects of the Employer to ensure maximum profits within the best interests
     of the shareholders, customers, employees and the community. In conjunction
     with  the  Board  of Directors of the Employer, the Chief Executive Officer
     has  responsibility  for  the formation and maintenance of capital, capital
     expenditures,  acquisition and/or disposition of assets and the declaration
     of  dividends.

     The Chief Executive Officer is responsible for the planning, implementation
     and control of long-term objectives subject to the approval of the Board of
     Directors  of  the  Employer.  The  Chief  Executive  Officer  develops and
     maintains organizational structure, hires competent personnel and plans for
     management succession with the concurrence of the Compensation Committee of
     the  Board  of  Directors.  The  Chief  Executive Officer coordinates major
     activities  through  subordinates,  approves  budgets  and  evaluates
     Employer-wide  operations  under  the  guidance  of the Board of Directors.

     The  Chief  Executive  Officer  provides leadership in establishing overall
     objectives,  policies  and  plans. The Chief Executive Officer develops the
     pricing  and  investment policies in conjunction with various committees of
     the  Board  of Directors. The Chief Executive Officer reviews financial and
     operating  statements,  and  determines  adequacy  of  reserves  and  makes
     recommendations  to  the  Board  of  Directors  of  the  Employer.

     The  Chief  Executive Officer maintains relationships with customers, peers
     within  the  banking  community,  employees,  the Board of Directors of the
     Employer  and  regulators.  The  Chief Executive Officer is responsible for
     implementing  the overall marketing plan for the Bank under the guidance of
     the  Board  of  Directors  of  the Employer. The Chief Executive Officer is
     responsible  for  shareholder  relationships  and  planning  the  annual
     shareholders'  meeting.

     The  Chief  Executive  Officer  acts as the principal representative of the
     Employer  with  the  press,  other  businesses,  community  and  industry
     associations  and  government  agencies.

     The  Chief  Executive  Officer  serves as a member of all committees of the
     Board  of  Directors  of  the  Employer,  except  the  audit  committee.

Reports to:
----------

The Chief Executive Officer reports to the Board of Directors of the Employer.

<PAGE>ADDENDUM TO AGREEMENT FOR THE
                       SALE AND PURCHASE OF REAL PROPERTY

     This  Addendum to Agreement for the Sale and Purchase of Real Property (the
"Addendum")  is made and entered into this the 17th day of December, 2003 by and
                                               ----
between  a  group of individuals whose names are listed on Exhibit "A", attached
hereto  and  incorporated herein by this express reference, operating as a joint
venture  known as THE CBG GROUP/FLINT RIVER NATIONAL BANK, as Party of the First
Part  (hereinafter  referred to as "Purchaser") and HERITAGEBANK OF THE SOUTH, a
federally-chartered  mutual  savings  association,  as  Party of the Second Part
(hereinafter  referred  to  as  "Seller").

                               W I T N E S S E T H

     WHEREAS,  Purchaser and Seller entered into that certain "Agreement for the
Sale  and  Purchase  of  Real  Property"  (the  "Agreement")  on the 18th day of
December,  2002,  whereby the Purchaser agreed to purchase and the Seller agreed
to sell that certain real property described on Exhibit "B", attached hereto and
incorporated  herein  by  this  express  reference  thereto and all improvements
located  thereon  (collectively  the "Property") on the terms and conditions set
forth  in  the  Agreement;

     WHEREAS, the Seller and Purchaser have conferred and have agreed to certain
modifications  and  amendments to the terms of the Agreement, as hereinafter set
forth;  and

     WHEREAS,  the Purchaser and Seller desire that their agreements with regard
to  modifications and amendments to the Agreement be more specifically set forth
herein.

     NOW THEREFORE, for and in consideration of the covenants and agreements set
forth  in  the Agreement, and those hereinafter set forth, as well as the sum of
Ten  and  No/100 Dollars ($10.00) and other valuable consideration, in hand paid
by  the Purchaser to the Seller, the receipt and sufficiency of which are hereby
acknowledged, Seller and Purchaser hereby covenant and agree as follows:

                                       1.

     The  provisions  of  Paragraph  2  of the Agreement entitled "Earnest Money
Deposit"  are hereby deleted in their entirety and a new Paragraph 2, to read as
follows,  is  hereby  inserted  in  lieu  thereof:

     "2.  Earnest  Money  Deposit. Prior to the execution of the Agreement,
     Purchaser  paid  to  Seller the amount of $30,000.00 as earnest money,
     the  receipt  whereof  is  hereby acknowledged by Seller (the "Earnest
     Money").  On  or  before December 19, 2003, the Purchaser shall pay to
     the  Seller an additional $30,000.00 in earnest money which shall also
     be  considered  as  part  of  the Earnest Money hereunder. All Earnest
     honey  shall  be  retained

<PAGE>
     by  Seller, pending closing or other disposition pursuant to the terms
     of  the  Agreement and this Addendum. In the event that the $30,000.00
     in  additional  Earnest  Money  is  not  paid  to  Seller on or before
     December  19,  2003,  the  Earnest  Money  previously  paid  shall  be
     forfeited  to  the Seller, in addition to any other remedies which may
     be  available  to  the  Seller  under the Agreement or this Addendum."

                                       2.

     The  provisions  of  Paragraph  3 of the Agreement entitled "Purchase Price
Prior  to  December  31,  2003"  are  hereby deleted in their entirety and a new
Paragraph  3,  to  read  as  follows,  is  inserted  in  lieu  thereof:

     "3.  Purchase  Price.

     3.1  Purchase  Price.  The Purchaser shall purchase the Property under
     the  Agreement  and  this  Addendum for an aggregate purchase price of
     EIGHT  HUNDRED  THOUSAND  and NO/100 DOLLARS ($800,000.00) (herein the
     "Purchase  Price").

     3.2  Closing  Date.  If  the  additional  Earnest Money referred to in
     Paragraph  2  above  is  not  paid on or before December 19, 2003, the
     Earnest  Money  previously  paid  shall  be  forfeited  to  Seller and
     Purchaser  shall  have no further right to purchase the Property under
     the  Agreement  or  this  Addendum.  In  the event that the additional
     Earnest  Money  referred  to in Paragraph 2 above is paid on or before
     December  19,  2003,  the  Purchaser  shall  close the purchase of the
     Property  on  or  prior  to  June 30, 2004 on the terms and conditions
     hereinafter  set forth, unless the Closing Date is further extended as
     hereinafter  provided.  In the event that Purchaser does not close the
     purchase of the Property on or before June 30, 2004, the Purchaser may
     deposit  with  the  Seller  an additional $40,000.00 in earnest money,
     which  shall  also  be  considered  to  be  part  of the Earnest Money
     hereunder,  and  may  thereafter have until December 27, 2004 to close
     the  purchase  of  the  Property.

     3.3  Payment.

     (a)  Purchaser  shall  receive  a credit for the amount of the Earnest
     Money  then  paid  at  Closing;  and

     (b)  The  balance of the Purchase Price for the Property shall be paid
     by  means  of  execution  of  a Promissory Note from the Purchaser, in
     favor  of  the  Seller, in such amount, which Promissory Note shall be
     amortized  at  a variable rate equal to the prime rate of interest, as
     published  in  the  Wall  Street Journal, over a period of one hundred
     (120)  months  (10 years) and payable in monthly installments computed
     in  accordance  with  such  an

<PAGE>
     amortization.  The  Purchaser shall execute, in favor of the Seller, a
     Deed  to  Secure Debt, Security Agreement and, if necessary, financing
     statements,  encumbering  the Property which shall secure repayment of
     the  balance  of the Purchase Price, to be financed by the Seller, and
     each of the individuals constituting the Purchaser shall be personally
     liable  for  such obligation. If requested by Seller, said individuals
     shall  execute  a  personal  guaranty  of  the  Promissory  Note to be
     executed in favor of the Seller to finance the balance of the Purchase
     Price  due  hereunder.

     3.4  Closing. Assuming the Purchaser pays the additional $30,000.00 in
     Earnest Money described in Paragraph 2 above on or before December 19,
     2003, the Closing shall take place no later than the earlier of thirty
     (30)  days  from the satisfaction, by Purchaser, of the conditions set
     forth  in  Section 4 below, or June 30, 2004. Thereafter, if the Buyer
     pays  the additional Earnest Money described in Section 3.2 above, the
     Closing shall take place no later than the earlier of thirty (30) days
     from  the  satisfaction  by  Purchaser  of the conditions set forth in
     Section 4 below, or December 27, 2004. If the additional Earnest Money
     described in Section 3.2 above is not paid on or before June 30, 2004,
     the  final  deadline  for  Closing  will be June 30, 2004. The Closing
     shall  take  place at a mutually agreeable place and time. At Closing,
     Seller  shall  deliver  to Buyer: (a) a Closing Statement; (b) Limited
     Warranty  Deed;  (c) FIRPTA Affidavit (indicating that Seller is not a
     "foreign  person"  or "foreign corporation" as that term is defined in
     Section  1445(f)(3)  of  the  Internal  Revenue  Code of 1986); (d) an
     Affidavit  of  Seller's  Residence  Regarding  Georgia Withholding Tax
     establishing  that  Seller is exempt from the requirements of O.C.G.A.
     Sec.  48-7-128,  the  Georgia  Withholding  State  (or  Affidavit  of
     Exemption  or Affidavit of Seller's Gain, if withholding is required);
     (e)  a  transfer  tax declaration form properly signed and executed by
     the  Seller; (f) certification that the representations and warranties
     set  forth in Paragraph 5 are true and correct on the date of Closing;
     and (g) an Owner's Affidavit, reasonably satisfactory to Buyer and the
     Title Company. The representations and warranties shall merge into the
     deed  and  shall  not  survive  the  Closing.

                                       3.

     The  provisions  of  Paragraph  4 of the Agreement "Conditions to Determine
Date  of Closing" are hereby deleted in their entirety and a new Paragraph 4, to
read  as  follows,  is  inserted  in  lieu  thereof:

     "4.  Conditions to Determine Date of Closing. The following conditions
     shall  dictate  when  the  Date  of  Closing  shall  occur:

<PAGE>
     (a)  The  Purchaser  intends to utilize the Property as a location for
     the  operation  of a commercial bank. Between the date of execution of
     this  Agreement  and  the Date of Closing, the Purchaser shall utilize
     its  best  efforts to obtain all necessary regulatory approval for the
     creation  and  operation  of  a  commercial  banking  concern  on  the
     Property;  culminating  in  the  issuance  of  a  charter  from  the
     appropriate  authority  for  operation  of  a banking institution. The
     issuance  of  such  a  charter shall be the date from which the thirty
     (30)  day period between the satisfaction of conditions to the setting
     of  the Date of Closing and the date upon which the Closing shall take
     place  shall  be  computed.

     (b)  In  any  event,  regardless  of  whether  such a charter has been
     obtained  and  assuming  the additional $30,000.00 in Earnest Money is
     paid  by Purchaser on or before December 19, 2003, the Purchaser shall
     be  obligated  to close the purchase transaction anticipated hereby no
     later  than June 30, 2004. Thereafter, if the additional Earnest Money
     provided  for by Section 3.2 is paid, the Purchaser shall be obligated
     to  close  the  purchase  transaction anticipated hereby no later than
     December  27,  2004.  If  the additional earnest money provided for by
     Section  3.2  is  not paid, the final date for Closing of the purchase
     transaction  shall  be  June  30,  2004."

                                       4.

     The  provisions  of Paragraph 8 of the Agreement "Title and Conveyance" are
hereby  deleted  in their entirety and a new Paragraph 8, to read as follows, is
inserted  in  lieu  thereof:

     "8.  Title  and  Conveyance.

     8.1  Real  Property.  Title  to  the  Real  Property shall be good and
     marketable,  free  and  clear of all liens and encumbrances, and other
     title objections (as defined herein), except for those Permitted Title
     Exceptions  as  set  forth  on  Exhibit  "C"  attached  hereto  and
                                     ------------
     incorporated  herein  by  this  reference,  and  such  title  shall be
     insurable  under  an  ALTA  Owner's  Policy,  Form B, Amended 1992, as
     aforesaid  by First American Title Insurance Company at regular rates.

     8.2  Survey.  Purchaser may, at Purchaser's option and expense, caused
     to  be  conducted  and prepared a survey of the Property, which survey
     shall  be  completed  with  a  copy furnished to Seller, no later than
     thirty  (30)  days prior to the date set for Closing. If such a survey
     is prepared, Seller shall separately execute, and deliver to Purchaser
     at  Closing, a Quit Claim Deed containing the legal description of the
     Property  derived  from  such  survey.

<PAGE>
     8.3  Compliance  with  Laws.  Seller  is  not subject to any judgment,
     order, writ, injunction, or decree that adversely affects, or might in
     the  future  reasonably  be  expected  to  adversely affect any of the
     personal  property.

     8.4  Brokers  and  Finders.  Seller  has  incurred an obligation for a
     brokerage  fee to Lee H. Williams Co., Inc., payment of which shall be
     Seller's  obligation.  Otherwise, there exist no other brokerage fees,
     agent's  commissions,  or  finder's  fees  in  connection  with  the
     transactions  contemplated  hereby. Each party agrees to indemnify and
     hold the other party harmless against any claims regarding a brokerage
     fee  or  commission  arising  from  a  breach  of  the  foregoing
     representation."

                                       5.

     The  provisions  of  Paragraph  14  of  the  Agreement "Notices" are hereby
deleted in their entirety and a new Paragraph 8, to read as follows, is inserted
in  lieu  thereof:

     "14. Notices. All notices, requests, demands, and other communications
     hereunder shall be in writing and shall be delivered by hand or mailed
     by first class registered or certified mail, return receipt requested,
     first  class  postage  pre-paid,  or  by  facsimile,  as  follows:

     As to Seller:

     Ms. Tammy Burdette
     HeritageBank of the South
     Post Office Box 50728
     Albany, Georgia  31702
     Tel:  (229) 878-3325
     Fax.  (229) 888-8386

     With copy to:

     James H. Moore, III, Esq.
     Moore, Clarke, DuVall & Rodgers, P.C.
     Post Office Drawer 71727
     Albany, Georgia  31708
     Tel:  (229) 888-3338
     Fax:  (229) 888-1191
     E-mail:  jmoore@mcdr-law.com
              -------------------

<PAGE>
     As to Purchaser:

     Joe Bostick, Jr.
     Licensed Real Estate Broker
     Route 2, Box 547
     Camilla, Georgia  31730

     Lee H. Williams
     Licensed Real Estate Agent
     Post Office Box 567
     Pelham, Georgia  31779

     Tom Pinson
     Post Office Box 70
     Baconton, Georgia  31716

     Donald R. Anderson
     5093 Vada Road
     Climax, Georgia  31734

     Taylor D. Bankston
     180 North School Street
     Baconton, Georgia  31716

     Robert L. Bostwick
     5292 Hwy 112
     Camilla, Georgia  31730

     Mary W. Briggs
     5312 Hwy 12
     Camilla, Georgia  31730

     Michael G. Briggs
     298 South Harney Street
     Camilla, Georgia  31730

     Brent W. Collins
     9633 River Road
     Camilla, Georgia  31730

     Robert W. Hutson, III
     5287 Thigpen Trial
     Sale City, Georgia  31784

<PAGE>
     Phyllis P. Hydrick
     15668 Hwy 93
     Baconton, Georgia  31716

     Charles M. Jones, III
     907 Third Avenue
     Albany, Georgia  31701

     W. Jerry Kennedy
     417 Lakeshore Road
     Pelham, Georgia  31779

     Lawrence B. Willson
     627 5th Avenue
     Albany, Georgia 31701"

                                       6.

     Except  as  specifically  amended  and  modified  hereby,  the  undersigned
Purchaser  and  Seller  hereby  reacknowledge  and reaffirm each and every term,
condition and provision of the Agreement. Without limiting the generality of the
foregoing,  Charles  M.  Jones,  III  and  Larry Willson, two of the individuals
making  up  the  Purchaser,  did  not sign the Agreement, but have executed this
Addendum.  These  individuals  specifically acknowledge and agree to be bound by
each  and  every  term,  condition  and provision of the Agreement, by virtue of
their  signatures  upon  this Addendum, to the same extent as if their signature
appeared  upon  the  original  Agreement.

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

<PAGE>
     WHEREFORE,  the Purchaser and Seller have set their hands and affixed their
seals to this Addendum the date and year first above written.

                                             PURCHASER:

                                             CBG GROUP/FLINT RIVER
                                             BANK GROUP

/s/  Tom Pinson)             (SEAL)          /s/  Joe B. Bostick Jr.  (SEAL)
-----------------------------                -------------------------
TOM PINSON                                   JOE B. BOSTICK, JR.

/s/ Phyllis P. Hydrick       (SEAL)          /s/  Robert Lee Bostick  (SEAL)
-----------------------------                -------------------------
PHYLLIS PARKS HYDRICK                        ROBERT LEE BOSTICK

/s/  Mark Wheeler Briggs     (SEAL)          /s/  Brent Walden Collins(SEAL)
-----------------------------                -------------------------
MARK WHEELER BRIGGS                          BRENT WALDEN COLLINS

/s/  Jerry Kennedy           (SEAL)          /s/ Donald R. Anderson   (SEAL)
-----------------------------                -------------------------
JERRY KENNEDY                                DONALD R. ANDERSON

/s/  Robert Wade Hutson III  (SEAL)          /s/  Michael G. Briggs   (SEAL)
-----------------------------                -------------------------
ROBERT WADE HUTSON, III                      MICHAEL G. BRIGGS

/s/ Taylor D. Bankston       (SEAL)          /s/  L H. Williams       (SEAL)
-----------------------------                -------------------------
TAYLOR D. BANKSTON                           LEE H. WILLIAMS

/s/ Charles M. Jones III     (SEAL)          /s/  L B Willson         (SEAL)
-----------------------------                -------------------------
CHARLES M. JONES III                         LARRY WILLSON

Each of the individuals named above          Taylor D. Bankston named above
has signed, sealed and delivered this        has signed, sealed and
in our presence this the 16 day              delivered this in our presence
                         --                  this the 16 day of December, 2003:
of December, 2003:                                    --        --------
   --------

/s/  Penny Dukes                             /s/  Penny Dukes
-----------------------------------          ----------------
Unofficial Witness                           Unofficial Witness

/s/  Taylor D. Bankston                      /s/  Jennifer A. Roberts
-----------------------------------          ------------------------
Notary Public                                Notary Public

My Commission Expires: April 24, 2004        My Comm. Exp.: 3/12/07
                      ---------------                      --------
Mitchell County, Georgia                     Mitchell County, GA.
     [NOTARIAL SEAL]                            [NOTARIAL SEAL]

                       [Signatures Continued on Next Page]

<PAGE>
                                SELLER:

                                HERITAGEBANK OF THE SOUTH,
                                a federally-chartered mutual savings association

                                By:/s/  O. Len Dorminey
                                   ---------------------------------------------
                                Its:
                                    --------------------------------------------
                                Title: CEO
                                      ------------------------------------------

         [CORPORATE SEAL]

                                Attest:  /s/  Tammy Burdette
                                       -----------------------------------------
                                Its: CFO
                                    --------------------------------------------
                                Title: EVP
                                      ------------------------------------------

Signed, sealed and delivered
in the presence of:

/s/  Cassandra Dawson
-----------------------------
Unofficial Witness

/s/  Kimberley Shirley
-----------------------------
Notary Public

My Commission Expires: March 12,2007
                       -------------
Lee County, GA
     [NOTARIAL SEAL]

<PAGE>
                                   EXHIBIT "A"

                       CBG GROUP/FLINT RIVER NATIONAL BANK

                                   Tom Pinson
                               Joe B. Bostick, Jr.
                              Phyllis Parks Hydrick
                               Robert Lee Bostick
                               Mark Wheeler Briggs
                              Brent Walden Collins
                               Donald R. Anderson
                             Robert Wade Hutson, III
                                Michael G. Briggs
                               Taylor D. Bankston
                                 Lee H. Williams
                                  Jerry Kennedy
                              Charles M. Jones, III
                                  Larry Willson

<PAGE>
                                   EXHIBIT "B"

     "All  that  tract or parcel of land lying and being in Land Lot 363 of
     the Tenth Land District, City of Camilla, County of Mitchell, State of
     Georgia,  and  being  more  particularly  described  as  follows:

     All  of  Lots  I,  2, 3, 4 and 5 as per plat recorded in Plat Book 15,
     Page  250,  Mitchell County Land Records. Furthermore, conveyed herein
     as a strip of land Forty (40) feet in with (east/west) and Two Hundred
     and  Eighty-Four  (284) feet in length (north/south) lying immediately
     West  of  and  contiguous  with  the  lots  described  above.

     Also,  all  furniture,  fixtures,  equipment  and the like utilized by
     Seller  in  connection  with its present banking location located upon
     the above-described Property, with the exception of Seller's signage."

<PAGE>

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00063-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00063-of-00352.parquet"}]]