Document:

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                                                                    EXHIBIT 10.3

                                      BANK
                              EMPLOYMENT AGREEMENT

      This agreement made and entered into this __ 2nd __ day of __ February ___
2004, between the Mountain Valley Community Bank, Cleveland, White County,
Georgia ("the Bank") and Marc Greene, ("employee");

      WHEREAS, the Bank will be a state bank, regulated by the Georgia
Department of Banking and Finance, insured by the Federal Deposit Insurance
Corporation, and located in Cleveland, Georgia; and

      WHEREAS, the Bank wants to employ the employee as President and Chief
Executive Officer of the Bank; 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. RELATIONSHIP ESTABLISHED AND DUTIES

            1.    The Bank hereby will employ the employee as President and
                  Chief Executive Officer, to hold the title of President and
                  Chief Executive Officer, and to perform such services and
                  duties as 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 Directors' 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

Employment Agreement Between Marc Green & MVCB, LLP, Cleveland, GA............ 1

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            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 days contrary
            written notice to the other. The term previously stated
            notwithstanding this contract shall be terminated by the earlier to
            occur of 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;

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

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

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

            d. If employee is dismissed or discharged without "cause" as
               defined above, the terminated employee shall receive an amount
               equal to one (one) times

Employment Agreement Between Marc Green & MVCB, LLP, Cleveland, GA............ 2

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               his then existing annual base salary.

      Termination of employee's employment shall constitute a tender by employee
of his resignation as an officer and director of the Bank. In the event of
termination the employee is entitled to severance pay equal to one month's pay
for each year employed by the Bank.

            III. COMPENSATION

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

      1.    BASE SALARY. An annual salary of $150,000 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 term of this Agreement so that for the 12
            months beginning on each such anniversary date, the employee's
            salary increases will take effect. The Board has sole discretion as
            to the amount of the CEO's compensation.

            2.    PERFORMANCE BONUSES.

                        a. Until the Stock Appreciation Rights Incentive (SAR)
                        program is implemented, the Board, in consultation with
                        the CEO, will determine the amount of performance bonus
                        to be awarded to the executive officers.

                        b. When the Board, in consultation with the CEO,
                        determines that it is time for the SAR program to be
                        implemented it will operate in the following way:

                                Each year, a performance bonus, will be awarded,
                                based upon mutually agreed upon goals such as
                                achievement of the goals in the Strategic Plan
                                achieved before the application of taxes based
                                upon the following formula: 50% of the Impact
                                Pool allocation as identified in the Bank's
                                Stock Appreciation Rights Incentive Program
                                ("SAR").

      3.    STOCK OPTIONS. Based on his satisfactory performance the Employee,
            as determined by the Board using mutually agreed upon safety and
            soundness

Employment Agreement Between Marc Green & MVCB, LLP, Cleveland, GA............ 3

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            criteria as well as capital adequacy, asset quality, profitability,
            and liquidity, shall have the right and option to purchase an
            additional number of shares of common stock of the Bank:

                  5% of the total capital of the bank over the term of this
                  Agreement not to exceed 10 years,

            The option granted to the Employee pursuant to this paragraph 3 may
            be exercised by the Employee, in whole or in part, at any time or
            from time to time during the period this Agreement is in effect.
            Notwithstanding anything contained herein to the contrary, if the
            shareholders of the Bank approve of a capital reorganization of the
            common stock of the Bank or a merger or consolidation of the Bank
            with or into another corporation, or the sale of all or
            substantially all of the assets of the Bank; then Employee shall
            have the right and option to purchase stock options up to 5% of
            total capital of the Bank at book value immediately upon
            consummation of any merger or sale as stated above. The purchase
            price for each share of common stock of the Bank that the Employee
            purchases pursuant to the exercise of the options granted herein
            shall be $10.00 per share and shall be paid in cash upon exercise.

            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 may 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 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 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.

Employment Agreement Between Marc Green & MVCB, LLP, Cleveland, GA............ 4

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      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 to
            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 employee 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 of 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.

            V. CHANGE OF CONTROL

      1.    If during the term of this Agreement there is a change of control
            (COC) of the Bank, the Employee shall be entitled to termination or
            severance pay in the event the employee's employment is terminated,
            except for just cause as defined in Section II., paragraph 1, c,
            after the change in control. In the event the employee is terminated
            as a result of COC, 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 3 (three)
            times his then existing annual base salary. This payment shall also
            be made in connection with, a change in control of the Bank if such
            change in control was opposed by the employee or the Bank's Board of
            Directors. This payment shall be in addition to any amount otherwise
            owed to the employee pursuant to this Agreement.

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

Employment Agreement Between Marc Green & MVCB, LLP, Cleveland, GA............ 5

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            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. 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 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 Bank. The term "person" refers to an
                  individual, corporation, Bank, bank holding company, or other
                  entity.

                         VI. POST TERMINATION COVENANTS

      1.    If during the term hereof employee shall cease employment hereunder
            for any reason, then employee agrees that for six months if
            dismissed for cause and one year without cause following such
            termination he will not be employed in the banking business or any
            related field thereto in Cleveland, Georgia or White County,
            Georgia. In consideration for this non-compete clause the Board
            agrees to pay the employee at a rate of the current annual salary
            annually. This compensation will be for the length of the
            non-compete and will not exceed one year. Furthermore, following
            such termination employee agrees that he will not, without the prior
            written consent of the Bank:

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

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

            3)    Contact directly or indirectly any customer of the Bank for
                  banking

Employment Agreement Between Marc Green & MVCB, LLP, Cleveland, GA............ 6

<PAGE>

                  solicitation purposes; or

            4)    Hire for any other Bank or employer (including himself) any
                  employee of the Bank or directly or indirectly cause such
                  employee 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.

                            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.

                          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

Employment Agreement Between Marc Green & MVCB, LLP, Cleveland, GA............ 7

<PAGE>

instrument. The headings set out herein are for convenience of reference and
shall not be deemed a part of this agreement.

                           XI. CONTRACT NONASSIGNABLE

      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.

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

             Employee:
                                /s/ Marc J. Greene

_____________________   ______________________________________      ____________
Witness                 EMPLOYEE                Date

             BANK

                                    /s/

_____________________   By:___________________________________       ___________
Witness                Chairman of the Board       Date

Employment Agreement Between Marc Green & MVCB, LLP, Cleveland, GA............ 8<PAGE>

                                                                    EXHIBIT 10.4

                                      BANK
                              EMPLOYMENT AGREEMENT

      This agreement made and entered into this 10 day of _March ____ 2004,
between the Mountain Valley Community Bank, Cleveland, White County, Georgia
("the Bank") and Donald E. Allison, ("employee");

      WHEREAS, the Bank will be a state bank, regulated by the Georgia
Department of Banking and Finance, insured by the Federal Deposit Insurance
Corporation, and located in Cleveland, Georgia; and

      WHEREAS, the Bank wants to employ the employee as Executive Vice
President/ Sr. Credit Officer of the Bank; 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. RELATIONSHIP ESTABLISHED AND DUTIES

            1.    The Bank hereby will employ the employee as Executive Vice
                  President/ Sr. Credit Officer, and to perform such services
                  and duties as the Board of Directors & Bank Management 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 President & CEO and or
                  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 Directors' 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

Employment Agreement Between Marc Green & MVCB, LLP, Cleveland, GA............ 1

<PAGE>

            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 days contrary
            written notice to the other. The term previously stated
            notwithstanding this contract shall be terminated by the earlier to
            occur of 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;

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

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

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

            d. If employee is dismissed or discharged without "cause" as
               defined above, the terminated employee shall receive an amount
               equal to 1 (one) times his then existing annual base salary.

Employment Agreement Between Marc Green & MVCB, LLP, Cleveland, GA............ 2

<PAGE>

      Termination of employee's employment shall constitute a tender by employee
of his resignation as an officer and director of the Bank. In the event of
termination the employee is entitled to severance pay equal to one month's pay
for each year employed by the Bank.

            III. COMPENSATION

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

      1.    BASE SALARY. An annual salary of $130,000 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 term of this Agreement so that for the 12
            months beginning on each such anniversary date, the employee's
            salary increases will take effect.

            2.    PERFORMANCE BONUSES.

                  a. Until the Stock Appreciation Rights Incentive (SAR) program
                  is implemented, the Board, in consultation with the CEO, will
                  determine the amount of performance bonus to be awarded to the
                  executive officers.

                  b. When the Board, in consultation with the CEO, determines
                  that it is time for the SAR program to be implemented it will
                  operate in the following way:

                                Each year, a performance bonus, will be awarded,
                                based upon mutually agreed upon goals such as
                                achievement of the goals in the Strategic Plan
                                achieved before the application of taxes based
                                upon the following formula: 50% of the Impact
                                Pool allocation as identified in the Bank's
                                Stock Appreciation Rights Incentive Program
                                ("SAR").

      3.    STOCK OPTIONS. Based on his satisfactory performance the Employee,
            as determined by the Board using mutually agreed upon safety and
            soundness criteria as well as capital adequacy, asset quality,
            profitability, and liquidity, shall have the right and option to
            purchase an additional number of shares of

Employment Agreement Between Marc Green & MVCB, LLP, Cleveland, GA............ 3

<PAGE>

            common stock of the Bank:

                  4% of the total capital of the bank over the term of this
                  Agreement not to exceed 10 years.

            The option granted to the Employee pursuant to this paragraph 3 may
            be exercised by the Employee, in whole or in part, at any time or
            from time to time during the period this Agreement is in effect.
            Notwithstanding anything contained herein to the contrary, if the
            shareholders of the Bank approve of a capital reorganization of the
            common stock of the Bank or a merger or consolidation of the Bank
            with or into another corporation, or the sale of all or
            substantially all of the assets of the Bank; then Employee shall
            have the right and option to purchase stock options up to 4% of
            total capital of the Bank at book value immediately upon
            consummation of any merger or sale as stated above. The purchase
            price for each share of common stock of the Bank that the Employee
            purchases pursuant to the exercise of the options granted herein
            shall be $10.00 per share and shall be paid in cash upon exercise.

            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 may 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 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 under this Agreement.

      3.    At such reasonable times as the President & CEO or 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 to count as vacation time,

Employment Agreement Between Marc Green & MVCB, LLP, Cleveland, GA............ 4

<PAGE>

            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 employee 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 of 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.

            V. CHANGE OF CONTROL

      1.    If during the term of this Agreement there is a change of control
            (COC) of the Bank, the Employee shall be entitled to termination or
            severance pay in the event the employee's employment is terminated,
            except for just cause as defined in Section II., paragraph 1, c,
            after the change in control. In the event the employee is terminated
            as a result of COC, 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 3 (three)
            times his then existing annual base salary. This payment shall also
            be made in connection with, a change in control of the Bank if such
            change in control was opposed by the employee or the Bank's Board of
            Directors. This payment shall be in addition to any amount otherwise
            owed to the employee pursuant to this Agreement.

      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.

Employment Agreement Between Marc Green & MVCB, LLP, Cleveland, GA............ 5

<PAGE>

            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. 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 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 Bank. The term "person" refers to an
                  individual, corporation, Bank, bank holding company, or other
                  entity.

                         VI. POST TERMINATION COVENANTS

      1.    If during the term hereof employee shall cease employment hereunder
            for any reason, then employee agrees that for six months if
            dismissed for cause and one year without cause following such
            termination he will not be employed in the banking business or any
            related field thereto in Cleveland, Georgia or White County,
            Georgia. In consideration for this non-compete clause the Board
            agrees to pay the employee at a rate of the current annual salary
            annually. This compensation will be for the length of the
            non-compete and will not exceed one year. Furthermore, following
            such termination employee agrees that he will not, without the prior
            written consent of the Bank:

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

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

            3)    Contact directly or indirectly any customer of the Bank for
                  banking solicitation purposes; or

            4)    Hire for any other Bank or employer (including himself) any

Employment Agreement Between Marc Green & MVCB, LLP, Cleveland, GA............ 6

<PAGE>

                  employee of the Bank or directly or indirectly cause such
                  employee 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.

                            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.

                          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.

Employment Agreement Between Marc Green & MVCB, LLP, Cleveland, GA............ 7

<PAGE>

                           XI. CONTRACT NONASSIGNABLE

      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.

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

               Employee:

                             /s/ Donald E. Allison

_____________________   _____________________________________   ________
Witness                EMPLOYEE                  Date
               BANK

                                     /s/

_____________________    By:_________________________________   ________
Witness                Chairman of the Board        Date

Employment Agreement Between Marc Green & MVCB, LLP, Cleveland, GA............ 8

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