Document:

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                                                                    EXHIBIT 10.1

                              FGBC BANCSHARES, INC.

                             2004 STOCK OPTION PLAN

1.   DEFINITIONS

     a.   "Company" - FGBC Bancshares, Inc.

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

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

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

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

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

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

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

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

     j.   "Optionee"- an eligible person under Section 5 below who has been
          granted options under this Plan.

     k.   "Plan"- FGBC Bancshares, Inc. 2004 Stock Option Plan.

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

2.   PURPOSE

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

3.   SHARES SUBJECT TO THE PLAN

     Subject to adjustments pursuant to the provisions of Section 14, there
     shall be authorized and reserved for issuance upon the exercise of Options
     to be granted under the Plan, Three Hundred Seventy Five Thousand (375,000)
     shares of Common Stock less the number of shares of Common Stock that may
     be issued pursuant to any options assumed by the Company in connection with
     the bank holding company reorganization that is the subject of the Merger
     Agreement and Plan of Reorganization by and among the Company, 1st Georgia
     Banking Company and FGBC Interim Company dated March 18, 2004, including
     any amendments thereto.

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4.   ADMINISTRATION

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

5.   ELIGIBILITY

     The following persons are eligible to receive Options under the Plan:
     Full-time key employees and directors of the Company or its Subsidiaries
     who are selected by the Committee from time to time and who, in the opinion
     of the Committee, have contributed in the past or who may be expected to
     contribute materially in the future to the successful performance of the
     Company or its Subsidiaries, provided, however, that only full-time key
     employees shall be entitled to receive incentive stock options.

6.   GRANTING OF OPTIONS; OPTION EXERCISE PRICE

     The Board, upon recommendation of the Committee, may grant Options to
     full-time key employees and directors of the Company or its subsidiaries as
     desirable. Any Option granted hereunder (i) shall vest in equal percentages
     over a period of not less than three (3) years and (ii) shall have a per
     share option exercise price at least equal to the fair market value of a
     share of the Common Stock on the date of the grant, except as stated in
     paragraph 10 below. The Option exercise price shall be subject to
     adjustments in accordance with the provisions of Section 14 herein.

7.   TERM OF OPTION

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

8.   MANNER OF EXERCISE

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

9.   TERMINATION OF OPTIONS

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

10.  LIMITATIONS RELATING TO INCENTIVE STOCK OPTIONS

     The following limitations apply to Incentive Stock Options:

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

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

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

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

12.  RIGHTS OF OPTIONEE

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

13.  OTHER TERMS AND CONDITIONS

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

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14.  CAPITAL ADJUSTMENTS AFFECTING STOCK

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

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

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

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

15.  AMENDMENTS, SUSPENSION OR TERMINATION OF THE PLAN

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

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

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

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

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

          (e)  Extend the termination date of the Plan.

16.  EFFECTIVE DATE

     The Plan shall take effect on March 18, 2004, and shall terminate on
     October 19, 2013. No Options may be granted under the Plan after its
     termination date, but any Option granted prior thereto may be exercised in
     accordance with its terms. The Plan and all Options granted pursuant to it
     are subject to all laws, approvals, requirements and regulations of any
     governmental authority which may be applicable thereto and, notwithstanding
     any provisions of the Plan or Option Agreement, the holder of an Option
     shall not be entitled to exercise his or her Option nor shall the Company
     be obligated to issue any shares to the holder if such exercise or issuance
     shall constitute a violation by the holder or the Company of any provisions
     of any such approval requirements, law or regulations.

17.  REGULATION

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

                                       5<PAGE>

                                                                    Exhibit 10.2

                              EMPLOYMENT AGREEMENT

     This agreement made and entered into this 14th day of April 2003, between
1st Georgia Banking Company, located in Franklin, Heard County, Georgia, ("the
Bank") and Jackie L. Reed ("employee");

     WHEREAS, the Bank is a state bank, regulated by the Georgia Department of
Banking and Finance, insured by the Federal Deposit Insurance Corporation, and
located in Franklin, Heard County; and

     WHEREAS, the Bank wants to employ employee as President and Chief Executive
Officer of the Bank ("CEO"); and

     WHEREAS, the parties desire to enter into this agreement setting forth the
terms and conditions of the employment relationship of the Bank and the
employee:

     NOW, THEREFORE, it is AGREED as follows:

                     I. RELATIONSHIPS ESTABLISHED AND DUTIES

     1.   The Bank hereby will employ the employee as President and Chief
          Executive Officer to perform such services and duties a s the Board of
          Directors may, from time to time, designate during the term hereof.
          Subject to the terms and conditions hereof, employee will perform such
          duties and exercise such authority as are customarily performed and
          exercised by persons holding such office, subject to the general
          direction of the Board of Directors of the Bank, exercised in good
          faith in accordance with standards of reasonable business judgment.

     2.   Employee shall serve on the Board of Directors of the Bank and shall
          be entitled to Director's Fees just like any other director, and shall
          serve as a member of its Executive Committee, subject to the terms
          hereof.

     3.   Employee accepts such employment and shall devote his full time,
          attention, and efforts to the diligent performance of his duties
          herein specified and as an officer and director of the Bank and will
          not accept employment with any other individual, corporation,
          partnership, governmental authority, or any other entity, or engage in
          any other venture for profit, which the Bank may consider to be in
          conflict with his or its best interest or to be in competition with
          the Bank's business, or which may interfere in any way with the
          employee's performance of his duties hereunder. Any exception to this
          must be made by notification and approval of the Board.

                             II. TERMS OF EMPLOYMENT

     1.   The initial term of employment under this Agreement shall continue for
          5 (five) years unless such is terminated pursuant to the terms hereof
          or by the first to occur of the conditions to be stated hereinafter.
          This Agreement will be automatically extended each year after the
          initial term unless either party gives 90 (ninety) days contrary
          written notice to the other. The term previously stated
          notwithstanding this contract shall be terminated by the earlier to
          occur if any of the following:

          a.   The death of the employee;

          b.   The complete disability of employee. "Complete disability" as
               used herein shall mean the inability of employee, due to illness,
               accident or other physical or mental incapacity to perform the
               services provided for hereunder for an aggregate of sixty days
               within any period of 120 consecutive days during the term hereof;
               provided, however, disability shall not constitute a basis for
               discharge for cause;

          c.   The discharge of employee by the Bank for cause. "Cause" as used
               herein shall mean:

               1)   Such negligence or misconduct as shall constitute, as a
                    matter of law, a breach of the covenants and obligations of
                    employee hereunder;

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               2)   Failure or refusal of employee to comply with the provisions
                    of this agreement;

               3)   Employee being convicted of any duly constituted court with
                    competent jurisdiction of a crime involving moral turpitude;
                    or

               4)   At the discretion of the Board, this contract may be
                    terminated if there are acts the Board feels are moral
                    turpitude.

     Termination of employee's employment shall constitute a tender by employee
of his resignation as an officer and director of the Ban1e In the event of
termination by the Bank other than for cause, then the employee is entitled to
severance pay equal to two (2) months salary.

                               III. COMPENSATION

     For all services which employees may render to the Bank during the terms
hereof, the Bank shall pay to employee, subject to such deductions as may be
required by law;

     1.   Base Salary.

               An annual salary of $175,000 payable in bi-monthly installments
          and subject to such deductions as may be required by law, for the next
          12 months. Thereafter, annual increase reviews will be done during the
          month of December for a January 1 effective increase date during the
          terms of this Agreement so that for the 12 months beginning on each
          such anniversary date, the employee's salary increases will take
          effect. The annual increase will be not less than the cost of living
          index. The Board has sole discretion as to the amount of the CEO's
          compensation.

     2.   Performance Bonus.

               Employee shall be entitled, in an equitable manner based on the
          terms of any bonus and incentive plans that have been approved or may,
          from time to time, be approved by the Board of Directors to the Bank's
          key management employees, to such incentives and discretionary bonus
          that may be authorized, declared and paid by the Board of Directors.

     3.   Stock Options.

               At the close of the initial sale of stock, the CEO will be
          awarded stock options exercisable for shares of stock equal to 5% of
          the total capital stock of the Bank at the time of opening up to a
          maximum total of 70,000 options. These options shall vest over a
          seven-year period and expire upon the earlier of (i) the tenth
          anniversary of the date of grant or (ii) three months after employee's
          termination of employment. The vesting period shall accelerate in the
          case of a change in control transaction or in the event of employee's
          death. The stock option grant shall be evidenced by a separate grant
          agreement between employee and the Bank. In the event that there is a
          conflict between this agreement and the stock option grant agreement,
          the terms of the stock option grant agreement shall control.

                               IV. OTHER BENEFITS

     1.   The employee shall be entitled to participate in any plan of the Bank,
          relating to stock options, stock purchases, profit sharing, group life
          insurance, medical coverage, education, or other retirement or
          employee benefits that the Bank my adopt for the benefit of its
          employees. The employee shall be entitled to a comprehensive annual
          physical paid by the bank.

     2.   The employee shall be eligible to participate in any other benefits
          which may be or become applicable to the Bank's executive employees,
          shall be furnished with a car with all expenses of maintenance to
          cover all automobile use, a reasonable expense account, the payment of
          reasonable expenses for attending annual and periodic meetings of
          trade associations, and any other benefits which are commensurate with
          the responsibilities and functions to be performed by the employee

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          under this Agreement. Employer also agrees to pay all reasonable
          expenses in connection with the attendance and participation at said
          trade association meetings by employee's spouse.

     3.   At such reasonable times as the Board of Directors shall in its
          discretion permit, the employee shall be entitled, without loss of
          pay, to absent himself voluntarily from the performance of his
          employment under this Agreement, all such voluntary absences shall
          count as vacation time, provided that:

          a.   The employee shall be entitled to an annual vacation of 4 (four)
               weeks per year.

          b.   The timing of vacations shall be scheduled in a reasonable manner
               by the employee. The employees shall not be entitled to receive
               any additional compensation from the Bank on account of his
               failure to take a vacation; nor shall he be entitled to
               accumulate unused vacation time from one calendar year to the
               next.

          c.   In addition to the aforesaid paid vacations, the employee shall
               be entitled, without loss or pay to absent himself voluntarily
               from the performance of his employment with the Bank for such
               additional periods of time and for such valid and legitimate
               reasons as the Board of Directors in its discretion may
               determine. Further, the Board of Directors shall be entitled to
               grant to the employee a leave or leaves of absence with or
               without pay at such time or times and upon such terms and
               conditions as the Board, in its discretion, may determine.

     4.   In the event of any attempt by a former employer or employee to enjoin
          or seeks damages for employee's employment with the Bank whether by
          written demand or by legal action, including but not limited to
          actions related to restrictive covenants, trade secrets, and
          interference with business relations, the Bank agrees to indemnify
          employee in the amount of any judgment, attorney's fees, or costs
          incurred by or against employee arising out of such action.

                              V. CHANGE OF CONTROL

     1.   If during the term of this Agreement and within one (1) year after a
          change in control (as defined in 3 below) the Bank shall terminate
          employee without cause (as defined in Section II, paragraph 1, c.) or
          employee shall terminate employment for "good reason" (as defined in 4
          below), then the employee shall be entitled to receive his salary
          through the last day of the calendar month of the termination, or
          payment in lieu of the notice period. In addition, the terminated
          employee shall receive an amount equal to two (2) times his then
          existing annual base salary (the "Severance Payment"). The Severance
          Payment shall be in addition to any amount otherwise owed to the
          employee pursuant to this Agreement. Employee may also notify Bank (or
          its successor) within 90 days after a change of control that he is
          terminating his employment, in which case employee shall be entitled
          to the Severance Payment.

     2.   The following items are automatically considered due and payable in
          the event that change of control occurs:

          a.   Non-forfeitable deferred compensation shall be paid out in full.

          b.   Long-term performance plan objective payments as described in
               Section III, 2, shall be declared accomplished and earned based
               upon performance up to date of the COC.

          c.   In the event that the employee is a participant in a restricted
               stock plan, or share option plan, and such plan is terminated
               involuntarily as a result of the COC, all stock and options shall
               be declared 100% vested and distributed.

     3.   The term "control" shall refer to the acquisition of 25 percent or
          more of the voting securities of the Bank by any person, or persons
          acting as a group within the meaning of Section 13(d) of the
          Securities Exchange Act of 1934 or to such acquisition of a percentage
          between 10 percent and 25

<PAGE>

          percent if the Board of Directors of the Bank or the Comptroller of
          the Currency, the FDIC, or the Federal Reserve Bank have made a
          determination that such acquisition constitutes or will constitute
          control of the Ban1e However, a reorganization of the Bank into a
          holding company structure where the Bank's shareholders become
          shareholders of the holding company in a pro rata fashion shall not
          constitute a change in control. The term "person" refers to an
          individual, corporation, Bank, bank holding company, or other entity.

     4.   The term "good reason" shall mean any of the following:

          a.   without the written consent of employee, a change in employee's
               status, title, position or responsibilities (including reporting
               responsibilities) which represents an adverse change from his
               status, title, position or responsibilities as in effect at the
               date of this agreement or, if greater, at any time thereafter;
               the assignment to employee of any duties or responsibilities
               which, in employee's reasonable judgment, are inconsistent with
               his status, title, position or responsibilities as in effect at
               the date of this agreement or, if greater, at any time
               thereafter; or any other change in condition or circumstances
               that in employee's reasonable judgment makes it materially more
               difficult for employee to carry out the duties and
               responsibilities of his then-existing office; provided that good
               reason under this subparagraph (i) excludes an isolated,
               insubstantial and inadvertent action not taken in bad faith and
               which is remedied by the Bank promptly after receipt of notice
               thereof given by employee;

          b.   a reduction, without the written consent of employee, in
               employee's base salary as in effect on the date of this agreement
               or as the same may be increased from time to time, or any failure
               to pay employee any compensation or benefits to which he is
               entitled within five (5) days of the date due;

          c.   the failure by the Bank (a) to continue in effect (without
               reduction in benefit level and/or reward opportunities) any
               compensation or employee benefit plan in which employee
               participated as of the date of this agreement, or at any time
               thereafter, that is material to employee's total compensation,
               unless an equitable arrangement (embodied in an ongoing
               substitute or alternative plan) has been made with respect to
               such plan, or (b) to continue employee's participation therein
               (or in such substitute or alternative plan) on a basis not
               materially less favorable, both in terms of the amount of
               benefits provided and the level of employee's participation
               therein relative to other participants;

          d.   the Bank's requiring employee, without his consent, to be based
               at any office or location other than in Franklin, Georgia;

          e.   the failure, for any reason, of employee to be re-e1ected to the
               Board of Directors of the Bank;

          f.   the insolvency or the filing by any party, including the Bank or
               any of its subsidiaries, of a petition for bankruptcy of the Bank
               or any such subsidiary, which petition is not dismissed within
               sixty (60) days;

          g.   any purported termination by the Bank of employee's employment
               otherwise than as expressly permitted by this agreement; or

          h.   the material breach by the Bank of any provision of this
               agreement.

     Employee's continued employment shall not constitute consent to, or a
waiver of rights with respect to, any circumstance constituting good reason
hereunder.

<PAGE>

                         VI. POST TERMINATION COVENANTS

     1.   If during the term hereof employee shall cease employment hereunder
          for any reason, then employee agrees that for one year following such
          termination he will not, without the prior written consent of the
          Bank:

          a.   Directly or indirectly seek or obtain employment with any entity
               engaged in the business of banking where employee's duties would
               be the same or similar to those services actually performed by
               employee for the Bank, provided that the foregoing restriction
               shall only apply to the area that falls within a 20-mi1e radius
               of any Bank's primary location in Franklin, Georgia; or

          b.   Furnish anyone with the name of, or any list or list of customers
               of the Bank or utilize such list or information himself for
               banking purposes; or

          c.   Furnish, use, or divulge to anyone any information acquired by
               him from the Bank relating to the Bank's methods of doing
               business; or

          d.   Contact directly or indirectly any customer of the Bank with whom
               employee had material contact during the 12 months immediately
               preceding the termination of employment for banking solicitation
               purposes; or

          e.   Hire for any other Bank or employer (including himself) any
               employee of the Bank or directly or indirectly cause such
               employees to leave his or her employment to work for another.

     2.   It is understood and agreed by the parties hereto that the provisions
          of this section are independent of each other, and the invalidity of
          any such provision or portion thereof shall not affect the validity or
          enforceability of any other provisions of this agreement. It is
          further agreed that, in the event employee breaches, or threatens to
          commit a breach of, any of the provisions of the restrictive covenants
          set forth in this Section VI, the Bank shall have the right and remedy
          to enjoin, preliminarily and permanently, employee from violating or
          threatening to violate the restrictive covenants and to have the
          restrictive covenants specifically enforced by any court of competent
          jurisdiction, it being agreed that any breach or threatened breach of
          the restrictive covenants would cause irreparable injury to the Bank
          and that money damages would not provide an adequate remedy to the
          Bank. Such right and remedy shall be in addition to, and not in lieu
          of, any other rights and remedies available to the Bank in law or in
          equity.

                            VII. WAIVER OF PROVISIONS

     Failure of any of the parties to insist, in one or more instances, on
performance by the others in strict accordance with the terms and conditions of
this agreement shall not be deemed a waiver or relinquishment of any right
granted hereunder of the future performance of any such term or condition or of
any other term or condition of this agreement, unless such waiver is contained
in a writing signed by or on behalf of all the parties.

                              VIII. GOVERNING LAW

     This agreement shall be governed by and construed and enforced in
accordance with the laws of the State of Georgia. If for any reason any
provision of this agreement shall be held by a court of competent jurisdiction
to void or unenforceable, the same shall not affect the remaining provisions
thereof.

                         IX. MODIFICATION AND AMENDMENT

     This agreement contains the sole and entire agreement among the parties
hereto and supersedes all prior discussions and agreements among the parties,
and any such prior Agreements shall, from and after the date hereof, be null and
void. This agreement shall not be modified or amended except by an instrument in
writing signed by or on behalf of the parties hereto.

<PAGE>

                          X. COUNTERPARTS AND HEADINGS

     This agreement may be executed simultaneously in any number of
counterparts, each of which shall be deemed an original but all of which shall
constitute one and the same instrument. The headings set out herein are for
convenience of reference and shall not be deemed a part of this agreement.

                          XI. CONTRACT NON-ASSIGNABLE

     This agreement may not be assigned or transferred by any party hereto, in
whole or in part, without the prior written consent of the other except that the
Bank may assign this agreement to a successor in interest provided that such
assignee assumes the Bank's obligations hereunder.

     IN WITNESS WHEREOF, the parties hereto have executed this agreement as of
the year and date first above written.

                                        1st GEORGIA BANKING COMPANY

                                        By: /s/ Jackie L. Reed
                                            ------------------------------------
                                        Name: Jackie L. Reed
                                        Title: CEO

                                        /s/ Jackie L. Reed
                                        ----------------------------------------
                                        Jackie L. Reed

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