Document:

EXHIBIT 10.5.1

                      NON-QUALIFIED STOCK OPTION AGREEMENT

     THIS AGREEMENT, made as of the ______ day of ____________, 1994 (the "Grant
Date"),  by  and  between  FIRST  CAPITAL  BANCORP,  INC.  (the  "Company")  and
__________________________  (the  "Optionee");

                              W I T N E S S E T H:

     WHEREAS,  the  Committee  has  authorized  the  grant  to  Optionee  of  a
non-qualified  stock  option  authorizing  Optionee to purchase shares of common
stock  of the Company under the First Capital Bancorp, Inc. 1994 Stock Incentive
Plan  (the  "Plan");  and

     WHEREAS, the Company and Optionee wish to confirm the terms and conditions
of the option;

     NOW,  THEREFORE, in consideration of the mutual covenants contained herein,
it is hereby agreed between the parties hereto as follows:

     1.  Grant  of  Option.  Subject to the terms, restrictions, limitations and
conditions  stated  herein  and  in  the  Plan, the Company hereby grants to the
Optionee an option (the "Option") to purchase all or any part of 1,144 shares of
common stock, $1.00 par value per share, of the Company (the "Common Stock").

     2.  Term  and  Exercise  of  Option.  Subject  to  the  provisions  of this
Agreement:

          (a)  The  Option  shall  be  exercisable  during the Option Period (as
     defined  in  Section  4  hereof) only to the extent of the number of Vested
     Shares  determined  pursuant  to  the  vesting  schedule attached hereto as
     Schedule  I,  reduced  by  the number of Vested Shares previously exercised
     pursuant to this Agreement.

          (b)  The Option may be exercised with respect to all or any portion of
     the  Vested  Shares at any time during the Option Period by the delivery to
     the Company, at its principal place of business, of (i) a written notice of
     exercise  in  substantially  the  form  attached hereto as Exhibit 1, which
     shall be actually delivered to the Company no earlier than thirty (30) days
     and  no  later  than  ten  (10)  days prior to the date upon which Optionee
     desires  to  exercise all or any portion of the Option; (ii) payment to the
     Company  of  the  Exercise Price, defined in Section 3 below, multiplied by
     the  number  of shares being purchased (the "Purchase Price") in the manner
     provided  in  Subsection  (c)  hereof;  and (iii) cash or a certified check
     representing  payment  of all withholding tax obligations (whether federal,
     state  or  local), imposed by reason of the exercise of the Option, if any.
     Upon  acceptance of such notice, receipt of payment in full of the Purchase
     Price,  and  receipt of payment of all withholding tax obligations, if any,
     the

<PAGE>

     Company shall cause to be issued a certificate representing the shares
     of Common Stock purchased.

          (c)  The  Purchase Price shall be paid in full upon the exercise of an
     Option  and  no  shares  of Common Stock shall be issued or delivered until
     full payment therefor has been made.

     Payment  of  the  Purchase  Price  for all shares of Common Stock purchased
     pursuant to the exercise of an Option shall be made in cash or by certified
     check or, alternatively, as follows:

               i.  by  delivery  to  the Company of a number of shares of Common
          Stock  which  have  been owned by the Optionee for at least six months
          prior  to the date of the Option's exercise having a Fair Market Value
          on  the  date  of  exercise  either  equal to the Purchase Price or in
          combination with cash to equal the Purchase Price; or

               ii.  if  and  when  the  Common  Stock becomes traded by brokers,
          whether  on a national securities exchange or otherwise, by receipt of
          the  Purchase  Price in cash from a broker, dealer or other "creditor"
          as  defined  by  Regulation  T issued by the Board of Governors of the
          Federal  Reserve  System  following  delivery  by  the Optionee to the
          Committee  of  instructions  in  a  form  acceptable  to the Committee
          regarding  delivery  to  such broker, dealer or other creditor of that
          number  of  shares of Common Stock with respect to which the Option is
          exercised.

     3.  Exercise  Price.  The exercise price for each share of Common Stock for
which the Option is exercised shall be $3.39, subject to adjustment as set forth
in Section 7 hereof (the "Exercise Price").

     4.  Term and Termination of Option. Except as otherwise provided below, the
term  of  the  Option (the "Option Period") shall commence on the Grant Date and
terminate on the date of the first to occur of the following events:

          (a) the tenth anniversary of the Grant Date; or

          (b)  twelve (12) months following the date the Optionee ceases to be a
     director of the Company or a Subsidiary for any reason.

Upon the expiration of the Option Period, this Option and all unexercised rights
granted  to Optionee hereunder shall terminate, and thereafter be null and void.

     5.  Rights  as  Shareholder.  Until  the  stock certificates reflecting the
Common  Stock accruing to the Optionee upon exercise of the Option are issued to
the Optionee, the Optionee shall have no rights as a shareholder with respect to
such  Common  Stock.  The  Company shall make no adjustment for any dividends or
distributions  or  other  rights  on  or  with respect to shares of Common Stock
purchased  pursuant  to  the  Option  for  which the record date is prior to the
issuance of that stock certificate, except as this Agreement otherwise provides.

                                      -2-
<PAGE>

     6.  Restriction  on  Transfer  of  Option.  The  Option evidenced hereby is
nontransferable other than by will or the laws of descent and distribution, and,
shall  be  exercisable  during the lifetime of the Optionee only by the Optionee
(or  in  the  event of his Disability, by his personal representative) and after
his death, only by his personal representative.

     7.  Change  in Capitalization. (a) The Exercise Price of the Option and the
number of shares of Common Stock reserved for issuance under the Option shall be
proportionately  adjusted  for  any increase or decrease in the number of issued
shares  of Common Stock resulting from a subdivision or combination of shares or
the  payment  of  a  stock  dividend  in  shares  of  Common Stock to holders of
outstanding  shares  of  Common  Stock  or any other increase or decrease in the
number  of  shares  of  Common  Stock  outstanding  effected  without receipt of
consideration by the Company.

     (b)     In  the event of a merger, consolidation or other reorganization of
the  Company  or tender offer for shares of Common Stock, other than a Change in
Control,  the  Committee  shall make such adjustments with respect to the Option
and  take  such other action as it deems necessary or appropriate to reflect (or
in  anticipation of) such merger, consolidation, reorganization or tender offer.
In  the  event  of  a  Change  in  Control, the provisions of Schedule I of this
Agreement  shall  be  given effect; provided that, in the event the Company will
not  be  the  surviving  entity  as  a  result  of the Change in Control and the
surviving  entity  does not agree to the assumption of the Option, the Committee
may elect to terminate the Option Period as of the date of the Change in Control
in  consideration  of  the  payment to the Optionee of the sum of the difference
between  the  then  Fair Market Value of the Common Stock and Exercise Price for
each  share  of  Common  Stock subject to the Option, but as to which the Option
remains  unexercised,  as  of  the  date  of  the  Change  in  Control.

     (c)  The  existence  of  the  Plan  and the Option granted pursuant to this
Agreement  shall not affect in any way the right or power of the Company to make
or authorize any adjustment, reclassification, reorganization or other change in
its  capital  or business structure, any merger or consolidation of the Company,
any  issue  of  debt or equity securities having preferences or priorities as to
the  Common  Stock  or the rights thereof, the dissolution or liquidation of the
Company,  any  sale or transfer of all or any part of its business or assets, or
any  other  corporate act or proceeding. Any adjustment pursuant to this Section
may  provide, in the Committee's discretion, for the elimination without payment
therefor  of  any  fractional  shares that might otherwise become subject to any
Option.

     8.  Special  Limitation  on  Exercise.  No purported exercise of the Option
shall  be effective without the approval of the Committee, which may be withheld
to  the  extent  that  the  exercise,  either  individually  or in the aggregate
together  with  the  exercise of other previously exercised stock options and/or
offers  and  sales pursuant to any prior or contemplated offering of securities,
would, in the sole and absolute judgment of the Committee, require the filing of
a  registration  statement  with  the  United  States  Securities  and  Exchange
Commission  or  with  the  securities commission of any state. If a registration
statement  is  not  in effect under the Securities Act of 1933 or any applicable
state  securities  law  with  respect  to  shares of Common Stock purchasable or
otherwise  deliverable  under  the Option, the Optionee (a) shall deliver to the
Company,  prior  to the exercise of the Option or as a condition to the delivery
of  Common  Stock

                                      -3-
<PAGE>

pursuant  to  the  exercise  of  an  Option  exercise,  such  information,
representations  and  warranties  as the Company may reasonably request in order
for  the  Company  to  be  able to satisfy itself that the Common Stock is being
acquired  in  accordance  with  the  terms  of  an applicable exemption from the
securities  registration requirements of applicable federal and state securities
laws and (b) shall agree that the shares of Common Stock so acquired will not be
disposed  of  except pursuant to an effective registration statement, unless the
Company  shall  have  received  an  opinion  of counsel that such disposition is
exempt from such requirement under the Securities Act of 1933 and any applicable
state securities law.

     9.  Legend on Stock Certificates. Certificates evidencing the Common Stock,
to  the  extent  appropriate  at the time, shall have noted conspicuously on the
certificates  a legend intended to give all persons full notice of the existence
of  the  conditions,  restrictions,  rights  and  obligations  set forth in this
Agreement and in the Plan.

     10.  Governing  Laws.  This  Agreement shall be construed, administered and
enforced  according  to  the laws of the State of Georgia; provided, however, no
option  may be exercised except, in the reasonable judgment of the Committee, in
compliance with exemptions under applicable state securities laws.

     11.  Successors.  This  Agreement  shall  be  binding upon and inure to the
benefit of the heirs, legal representatives, successors and permitted assigns of
the parties.

     12.  Notice.  Except  as  otherwise specified herein, all notices and other
communications  under  this Agreement shall be in writing and shall be deemed to
have  been  given  if personally delivered or if sent by registered or certified
United  States mail, return receipt requested, postage prepaid, addressed to the
proposed  recipient  at  the  last known address of the recipient. Any party may
designate  any  other address to which notices shall be sent by giving notice of
the address to the other parties in the same manner as provided herein.

     13.  Severability.  In  the event that any one or more of the provisions or
portion  thereof  contained in this Agreement shall for any reason be held to be
invalid,  illegal or unenforceable in any respect, the same shall not invalidate
or  otherwise  affect any other provisions of this Agreement, and this Agreement
shall  be  construed  as  if  the invalid, illegal or unenforceable provision or
portion thereof had never been contained herein.

     14. Entire Agreement. Subject to the provisions of the Plan, this Agreement
expresses  the entire understanding and agreement of the parties. This Agreement
may  be  executed  in two or more counterparts, each of which shall be deemed an
original but all of which shall constitute one and the same instrument.

     15.  Violation. Any transfer, pledge, sale, assignment, or hypothecation of
the  Option  or  any  portion  thereof shall be a violation of the terms of this
Agreement and shall be void and without effect.

     16.  Headings and Capitalized Terms. Paragraph headings used herein are for
convenience  of  reference  only  and shall not be considered in construing this
Agreement.  Capitalized  terms  used, but not defined herein, shall be given the
meaning ascribed to them under the Plan.

                                      -4-
<PAGE>

     17.  Specific Performance. In the event of any actual or threatened default
in, or breach of, any of the terms, conditions and provisions of this Agreement,
the  party or parties who are thereby aggrieved shall have the right to specific
performance  and injunction in addition to any and all other rights and remedies
at law or in equity, and all such rights and remedies shall be cumulative.

     18.  No  Rights  Created. The grant of the Option shall not be construed as
giving  the  Optionee the right to continued service upon the Board of Directors
or the board of directors of a Subsidiary.

     IN  WITNESS WHEREOF, the parties have executed and sealed this Agreement on
the  day  and  year  first  set  forth  above.

                                                  FIRST CAPITAL BANCORP, INC.

                                                  By:_________________________

                                                  Title:______________________

ATTEST:

_____________________________

Title:_______________________

     [CORPORATE  SEAL]

                                                  OPTIONEE

                                                  _______________________(SEAL)

                                      -5-
<PAGE>

                                   SCHEDULE I
                         TO FIRST CAPITAL BANCORP, INC.
                      NON-QUALIFIED STOCK OPTION AGREEMENT

                                Vesting Schedule
                                ----------------

     "Vested  Shares"  means  only  that  percentage  of the number of shares of
Common  Stock  subject  to the Option as to which the Option becomes exercisable
following  the  dates  indicated  in  the  schedule  below.

                   Percentage of Shares               Period
                  Which are Vested Shares         after Grant Date
                  -----------------------         ----------------

                              0%              prior to January 1, 1995

                            100%              on or after January 1, 1995

Notwithstanding  the  foregoing  Vesting Schedule, the Option shall become fully
vested and exercisable during the Option Period if and when the Optionee retires
on  or  after  age  65  or  upon  the occurrence of any Change in Control or any
earlier date specified by the Committee in writing to the Optionee subsequent to
or  contemporaneously  with  a  determination  by the Committee that a Change in
Control  is  imminent.

------------------
     1.     Construction.  The  right  of Optionee to vest in Common Stock shall
cease upon the termination of his or her service as a director of the Company or
a  Subsidiary,  whether  by  reason  of  death,  Disability  or  otherwise  and,
thereafter,  no  further shares shall become Vested Shares; and the Option shall
be exercisable during the Option Period specified in Section 4 of the Agreement.

          SCHEDULE 1 to Non-Qualified Stock Option Agreement - Page 1

<PAGE>

                                    EXHIBIT 1
                                    ---------

                              NOTICE OF EXERCISE OF
                           FIRST CAPITAL BANCORP, INC.
                            STOCK OPTION TO PURCHASE
                                 COMMON STOCK OF
                           FIRST CAPITAL BANCORP, INC.

                                             Name_____________________________
                                             Address__________________________
                                                    __________________________
                                             Date_____________________________

First Capital Bancorp, Inc.
1725 Indian Trail Road
Norcross, Georgia 30093

Re: Exercise of Non-Qualified Stock Option

Gentlemen:

     Subject to acceptance hereof in writing by First Capital Bancorp, Inc. (the
"Company")  pursuant  to  the provisions of the First Capital Bancorp, Inc. 1994
Stock  Incentive  Plan, I hereby give at least ten days but not more than thirty
days  prior  notice of my election to exercise options granted to me to purchase
______________  shares  of  Common  Stock of the Company under the First Capital
Bancorp, Inc. Non-Qualified Stock Option Agreement dated as of ________________,
1994.  The purchase shall take place as of ________, 199_ (the "Exercise Date").

     On or before the Exercise Date, I will pay the applicable purchase price as
follows:

     [ ]  by  delivery  of  cash  or  a  certified check for $___________ for
          the full purchase price payable to the order of First Capital Bancorp,
          Inc.

     [ ]  by  delivery  of  cash  or  a  certified check for $_______________
          representing  a  portion  of  the  purchase  price with the balance to
          consist  of  shares of Common Stock that I have owned for at least six
          months  and  that  are  represented  by  a  stock  certificate  I will
          surrender  to the Company with my endorsement. If the number of shares
          of  Common  Stock  represented  by  such  stock certificate exceed the
          number  to  be applied against the purchase price, I understand that a
          new  stock  certificate  will  be  issued  to me reflecting the excess
          number of shares.

     [ ]  by  delivery  of  a  stock  certificate  representing  shares  of
          Common  Stock  that  I have owned for at least six months which I will
          surrender  to  the  Company  with  my  endorsement  as  payment of the
          purchase price. If the number of shares of Common Stock represented by
          such  certificate exceed the number to be applied

           EXHIBIT 1 to Non-Qualified Stock Option Agreement - Page 1
<PAGE>

          against the purchase price, I understand that a new certificate will
          be issued to me reflecting the excess number of shares.

     [ ]  by  delivery  of  the  purchase  price  by  ____________________,  a
          broker,  dealer  or other "creditor" as defined by Regulation T issued
          by  the  Board  of  Governors  of the Federal Reserve System. I hereby
          authorize the Company to issue a stock certificate in number of shares
          indicated  above  in the name of said broker, dealer or other creditor
          or its nominee pursuant to instructions received by the Company and to
          deliver  said  stock  certificate  directly  to that broker, dealer or
          other  creditor  (or to such other party specified in the instructions
          received  by  the  Company  from the broker, dealer or other creditor)
          upon receipt of the purchase price.

     The  required  federal,  state and local income tax withholding, if any, on
the  exercise of the option shall be paid on or before the Exercise Date in cash
or  by  certified  check,  or in the manner provided in the Withholding Election
previously  tendered or to be tendered to the Company no later than the Exercise
Date.

     As  soon as the stock certificate is registered in my name, please delivery
it to me at the above address.

     If  the  Common  Stock being acquired is not registered for issuance to and
resale  by  the Optionee pursuant to an effective registration statement on Form
S-8  (or successor form) filed under the Securities Act of 1933, as amended (the
"1933  Act"),  I hereby represent, warrant, covenant, and agree with the Company
as follows:

          The  shares  of the Common Stock being acquired by me will be acquired
     for  my own account without the participation of any other person, with the
     intent of holding the Common Stock for investment and without the intent of
     participating,  directly  or  indirectly,  in  a distribution of the Common
     Stock  and  not  with  a  view  to,  or  for resale in connection with, any
     distribution  of  the  Common Stock, nor am I aware of the existence of any
     distribution of the Common Stock; I am not acquiring the Common Stock based
     upon any representation, oral or written, by any person with respect to the
     future  value  of,  or  income  from,  the  Common Stock but rather upon an
     independent examination and judgment as to the prospects of the Company;

          The  Common  Stock  was  not  offered  to  me  by  means  of  publicly
     disseminated  advertisements  or  sales  literature,  nor am I aware of any
     offers made to other persons by such means;

          I  am  able to bear the economic risks of the investment in the Common
     Stock, including the risk of a complete loss of my investment therein;

          I  understand  and agree that the Common Stock will be issued and sold
     to me without registration under any state law relating to the registration
     of  securities  for  sale,  and  will be issued and sold in reliance on the
     exemptions  from registration under the 1933 Act,

           EXHIBIT 1 to Non-Qualified Stock Option Agreement - Page 2

<PAGE>

     provided by Sections 3(b) and/or 4(2) thereof and the rules and regulations
     promulgated thereunder;

          The Common Stock cannot be offered for sale, sold or transferred by me
     other than pursuant to: (A) an effective registration under the 1933 Act or
     in  a  transaction  otherwise  in  compliance  with  the  1933 Act; and (B)
     evidence  satisfactory  to  the  Company  of compliance with the applicable
     securities  laws  of  other jurisdictions. The Company shall be entitled to
     rely  upon  an  opinion  of  counsel  satisfactory  to  it  with respect to
     compliance  with the above laws; The Company will be under no obligation to
     register  the  Common  Stock  or to comply with any exemption available for
     sale  of  the  Common  Stock  without  registration  or  filing,  and  the
     information  or  conditions necessary to permit routine sales of securities
     of  the Company under Rule 144 under the 1933 Act are not now available and
     no  assurance  has  been  given  that it or they will become available. The
     Company  is under no obligation to act in any manner so as to make Rule 144
     available with respect to the Common Stock;

          I  have  and have had complete access to and the opportunity to review
     and  make  copies  of all material documents related to the business of the
     Company,  including,  but  not limited to, contracts, financial statements,
     tax  returns,  leases,  deeds  and other books and records. I have examined
     such  of  these documents as I wished and am familiar with the business and
     affairs  of the Company. I realize that the purchase of the Common Stock is
     a  speculative  investment  and  that  any  possible  profit  therefrom  is
     uncertain;

          I  have  had  the  opportunity to ask questions of and receive answers
     from  the  Company  and  any  person acting on its behalf and to obtain all
     material  information  reasonably available with respect to the Company and
     its  affairs.  I have received all information and data with respect to the
     Company  which  I  have  requested  and  which  I  have  deemed relevant in
     connection  with the evaluation of the merits and risks of my investment in
     the Company;

          I have such knowledge and experience in financial and business matters
     that I am capable of evaluating the merits and risks of the purchase of the
     Common  Stock  hereunder  and  I  am able to bear the economic risk of such
     purchase;  and  The  agreements,  representations, warranties and covenants
     made  by  me  herein  extend to and apply to all of the Common Stock of the
     Company  issued  to  me  pursuant  to  this Option. Acceptance by me of the
     certificate  representing such Common Stock shall constitute a confirmation
     by  me  that all such agreements, representations, warranties and covenants
     made herein shall be true and correct at that time.

           EXHIBIT 1 to Non-Qualified Stock Option Agreement - Page 3
<PAGE>

          I  understand  that  the  certificates  representing  the shares being
     purchased  by  me  in  accordance  with  this  notice  shall  bear a legend
     referring  to  the  foregoing covenants, representations and warranties and
     restrictions  on  transfer, and I agree that a legend to that effect may be
     placed on any certificate which may be issued to me as a substitute for the
     certificates being acquired by me in accordance with this notice.

                                                  Very truly yours,

                                                  ___________________________

AGREED TO AND ACCEPTED:

FIRST CAPITAL BANCORP, INC.

By:_________________________

Title:______________________

Number of Shares
Exercised:__________________

Number of Shares
Remaining:__________________                       Date:________________________

           EXHIBIT 1 to Non-Qualified Stock Option Agreement - Page 4EXHIBIT 10.5.2

                      NON-QUALIFIED STOCK OPTION AGREEMENT

         THIS AGREEMENT, made as of the ____ day of __ , _____ (the "Grant
Date"), by and between FIRST CAPITAL BANCORP, INC. (the "Company") and
_______________ the "Optionee ");

                              W I T N E S S E T H:

         WHEREAS, the Optionee holds as of the date of this Agreement one or
more options granted pursuant to the Central Gwinnett Bank 1990 Stock Option
Plan (the "CGB Options");

         WHEREAS, the Company desires that the Optionee agree to the
cancellation of the CGB Options and as an inducement therefor the Committee has
authorized the grant to Optionee of a non-qualified stock option authorizing
Optionee to purchase shares of common stock of the Company under the First
Capital Bancorp, Inc. 1994 Stock Incentive Plan (the "Plan"); and option;

         WHEREAS, the Company and the Optionee wish to confirm the terms and
conditions of the option;

         NOW, THEREFORE, in consideration of the mutual covenants contained
herein, it is hereby agreed between the parties hereto as follows:

         1. GRANT OF OPTION. Subject to the terms, restrictions, limitations and
conditions stated herein and in the Plan, the Company hereby grants to the
Optionee an option (the "Option") to purchase all or any part of 3,423 shares of
common stock, $1.00 par value per share, of the Company (the "Common Stock").
This Agreement supersedes and extinguishes the CGB Options notwithstanding any
provision to the contrary contained in those agreements reflecting the CGB
Options. The obligations to be performed by the Company under this Agreement are
in lieu of all the obligations that the Company, its successors and assigns were
bound to perform with respect to the CGB Options.

         2. TERM AND EXERCISE OF OPTION. Subject to the provisions of this
Agreement:

                  (a) The Option shall be exercisable during the Option Period
         (as defined in Section 4 hereof) only to the extent of the number of
         Vested Shares determined pursuant to the vesting schedule attached
         hereto as Schedule I, reduced by the number of Vested Shares previously
         exercised pursuant to this Agreement.

                  (b) The Option may be exercised with respect to all or any
         portion of the Vested Shares at any time during the Option Period by
         the delivery to the Company, at its principal place of business, of (i)
         a written notice of exercise in substantially the form attached hereto
         as Exhibit 1, which shall be actually delivered to the Company no
         earlier

<PAGE>

         than thirty (30) days and no later than ten (10) days prior to the date
         upon which Optionee desires to exercise all or any portion of the
         Option; (ii) payment to the Company of the Exercise Price, defined in
         Section 3 below, MULTIPLIED BY the number of shares being purchased
         (the "Purchase Price") in the manner provided in Subsection (c) hereof,
         and (iii) cash or a certified check representing payment of all
         withholding tax obligations (whether federal, state or local), imposed
         by reason of the exercise of the Option, if any. Upon acceptance of
         such notice, receipt of payment in full of the Purchase Price, and
         receipt of payment of all withholding tax obligations, if any, the
         Company shall cause to be issued a certificate representing the shares
         of Common Stock purchased.

                  (c) The Purchase Price shall be paid in full upon the exercise
         of an Option and no shares of Common Stock shall be issued or delivered
         until full payment therefor has been made. Payment of the Purchase
         Price for all shares of Common Stock purchased pursuant to the exercise
         of an Option shall be made in cash or by certified check or,
         alternatively, as follows:

                           (i) by delivery to the Company of a number of shares
                  of Common Stock which have been owned by the Optionee for at
                  least six months prior to the date of the Option's exercise
                  having a Fair Market Value on the date of exercise either
                  equal to the Purchase Price or in combination with cash to
                  equal the Purchase Price; or

                           (ii) if and when the Common Stock becomes traded by
                  brokers, whether on a national securities exchange or
                  otherwise, by receipt of the Purchase Price in cash from a
                  broker, dealer or other "creditor" as defined by Regulation T
                  issued by the Board of Governors of the Federal Reserve System
                  following delivery by the Optionee to the Committee of
                  instructions in a form acceptable to the Committee regarding
                  delivery to such broker, dealer or other creditor of that
                  number of shares of Common Stock with respect to which the
                  Option is exercised.

         3. EXERCISE PRICE. The exercise price for each share of Common Stock
for which the Option is exercised shall be $3.51, subject to adjustment as set
forth in Section 7 hereof (the "Exercise Price").

         4. TERM AND TERMINATION OF OPTION. Except as otherwise provided below,
the term of the Option (the "Option Period") shall commence on the Grant Date
and terminate on the date of the first to occur of the following events:

                  (a) the seventh anniversary of the Grant Date; or

                  (b) 30 days following the date the Optionee ceases to be a
         director of the Company or a Subsidiary, except that, if Optionee
         ceases to be a director of the Company or a Subsidiary, because of
         Optionee's retirement on or after age 65, death or Disability, the
         Option Period shall be extended until the expiration of nine (9) months
         following Optionee's retirement, death or Disability.

                                      -2-
<PAGE>

Upon the expiration of the Option Period, this Option and all unexercised rights
granted to Optionee hereunder shall terminate, and thereafter be null and void.

         5. RIGHTS AS SHAREHOLDER. Until the stock certificates reflecting the
Common Stock accruing to the Optionee upon exercise of the Option are issued to
the Optionee, the Optionee shall have no rights as a shareholder with respect to
such Common Stock. The Company shall make no adjustment for any dividends or
distributions or other rights on or with respect to shares of Common Stock
purchased pursuant to the Option for which the record date is prior to the
issuance of that stock certificate, except as this Agreement otherwise provides.

         6. RESTRICTION ON TRANSFER OF OPTION. The Option evidenced hereby is
nontransferable other than by will or the laws of descent and distribution, and,
shall be exercisable during the lifetime of the Optionee only by the Optionee
(or in the event of his Disability, by his personal representative) and after
his death, only by his personal representative.

         7. CHANGE IN CAPITALIZATION. (a) The Exercise Price of the Option and
the number of shares of Common Stock reserved for issuance under the Option
shall be proportionately adjusted for any increase or decrease in the number of
issued shares of Common Stock resulting from a subdivision or combination of
shares or the payment of a stock dividend in shares of Common Stock to holders
of outstanding shares of Common Stock or any other increase or decrease in the
number of shares of Common Stock outstanding effected without receipt of
consideration by the Company.

         (b) In the event of a merger, consolidation or other reorganization of
the Company or tender offer for shares of Common Stock, other than a Change in
Control, the Committee shall make such adjustments with respect to the Option
and take such other action as it deems necessary or appropriate to reflect (or
in anticipation of) such merger, consolidation, reorganization or tender offer.
In the event of a Change in Control, the provisions of Schedule I of this
Agreement shall be given effect; provided that, in the event the Company will
not be the surviving entity as a result of the Change in Control and the
surviving entity does not agree to the assumption of the Option, the Committee
may elect to terminate the Option Period as of the date of the Change in Control
in consideration of the payment to the Optionee of the sum of the difference
between the then Fair Market Value of the Common Stock and Exercise Price for
each share of Common Stock subject to the Option, but as to which the Option
remains unexercised, as of the date of the Change in Control.

         (c) The existence of the Plan and the Option granted pursuant to this
Agreement shall not affect in any way the right or power of the Company to make
or authorize any adjustment, reclassification, reorganization or other change in
its capital or business structure, any merger or consolidation of the Company,
any issue of debt or equity securities having preferences or priorities as to
the Common Stock or the rights thereof, the dissolution or liquidation of the
Company, any sale or transfer of all or any part of its business or assets, or
any other corporate act or proceeding. Any adjustment pursuant to this Section
may provide, in the Committee's discretion, for the elimination without payment
therefor of any fractional shares that might otherwise become subject to any
Option.

                                      -3-
<PAGE>

         8. SPECIAL LIMITATION ON EXERCISE. No purported exercise of the Option
shall be effective without the approval of the Committee, which may be withheld
to the extent that the exercise, either individually or in the aggregate
together with the exercise of other previously exercised stock options and/or
offers and sales pursuant to any prior or contemplated offering of securities,
would, in the sole and absolute judgment of the Committee, require the filing of
a registration statement with the United States Securities and Exchange
Commission or with the securities commission of any state. If a registration
statement is not in effect under the Securities Act of 1933 or any applicable
state securities law with respect to shares of Common Stock purchasable or
otherwise deliverable under the Option, the Optionee (a) shall deliver to the
Company, prior to the exercise of the Option or as a condition to the delivery
of Common Stock pursuant to the exercise of an Option exercise, such
information, representations and warranties as the Company may reasonably
request in order for the Company to be able to satisfy itself that the Common
Stock is being acquired in accordance with the terms of an applicable exemption
from the securities registration requirements of applicable federal and state
securities laws and (b) shall agree that the shares of Common Stock so acquired
will not be disposed of except pursuant to an effective registration statement,
unless the Company shall have received an opinion of counsel that such
disposition is exempt from such requirement under the Securities Act of 1933 and
any applicable state securities law.

         9. LEGEND ON STOCK CERTIFICATES. Certificates evidencing the Common
Stock, to the extent appropriate at the time, shall have noted conspicuously on
the certificates a legend intended to give all persons full notice of the
existence of the conditions, restrictions, rights and obligations set forth in
this Agreement and in the Plan.

         10. GOVERNING LAWS. This Agreement shall be construed, administered and
enforced according to the laws of the State of Georgia; provided, however, no
option may be exercised except, in the reasonable judgment of the Committee, in
compliance with exemptions under applicable state securities laws.

         11. SUCCESSORS. This Agreement shall be binding upon and inure to the
benefit of the heirs, legal representatives, successors and permitted assigns of
the parties.

         12. NOTICE. Except as otherwise specified herein, all notices and other
communications under this Agreement shall be in writing and shall be deemed to
have been given if personally delivered or if sent by registered or certified
United States mail, return receipt requested, postage prepaid, addressed to the
proposed recipient at the last known address of the recipient. Any party may
designate any other address to which notices shall be sent by giving notice of
the address to the other parties in the same manner as provided herein.

         13. SEVERABILITY. In the event that any one or more of the provisions
or portion thereof contained in this Agreement shall for any reason be held to
be invalid, illegal or unenforceable in any respect, the same shall not
invalidate or otherwise affect any other provisions of this Agreement, and this
Agreement shall be construed as if the invalid, illegal or unenforceable
provision or portion thereof had never been contained herein.

                                      -4-
<PAGE>

         14. ENTIRE AGREEMENT. Subject to the provisions of the Plan, this
Agreement expresses the entire understanding and agreement of the parties. This
Agreement may be executed in two or more counterparts, each of which shall be
deemed an original but all of which shall constitute one and the same
instrument.

         15. VIOLATION. Any transfer, pledge, sale, assignment, or hypothecation
of the Option or any portion thereof shall be a violation of the terms of this
Agreement and shall be void and without effect.

         16. HEADINGS AND CAPITALIZED TERMS. Paragraph headings used herein are
for convenience of reference only and shall not be considered in construing this
Agreement. Capitalized terms used, but not defined herein, shall be given the
meaning ascribed to them under the Plan.

         17. SPECIFIC PERFORMANCE. In the event of any actual or threatened
default in, or breach of, any of the terms, conditions and provisions of this
Agreement, the party or parties who are thereby aggrieved shall have the right
to specific performance and injunction in addition to any and all other rights
and remedies at law or in equity, and all such rights and remedies shall be
cumulative.

         18. NO RIGHTS CREATED. The grant of the Option shall not be construed
as giving the Optionee the right to continued service upon the Board of
Directors or the board of directors of a Subsidiary.

         IN WITNESS WHEREOF, the parties have executed and sealed this Agreement
on the day and year first set forth above.

                                           FIRST CAPITAL BANCORP, INC.

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

                                           Title:
                                                 -------------------------------
ATTEST:

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

Title:
      ------------------------------

     CORPORATE SEAL]

                                           OPTIONEE

                                           _______________________________(SEAL)

                                      -5-
<PAGE>

                                    EXHIBIT 1
                                    ---------

                              NOTICE OF EXERCISE OF
                           FIRST CAPITAL BANCORP, INC.
                            STOCK OPTION TO PURCHASE
                                 COMMON STOCK OF
                           FIRST CAPITAL BANCORP, INC.

                                             Name
                                                  ------------------------------
                                             Address
                                                     ---------------------------

                                             Date
                                                  ------------------------------

First Capital Bancorp, Inc.
1725 Indian Trail Road
Norcross, Georgia  30093

Re:      Exercise of Non-Qualified Stock Option

Gentlemen:

         Subject to acceptance hereof in writing by First Capital Bancorp, Inc.
(the "Company") pursuant to the provisions of the First Capital Bancorp, Inc.
1994 Stock Incentive Plan, I hereby give at least ten days but not more than
thirty days prior notice of my election to exercise options granted to me to
purchase ____________ shares of Common Stock of the Company under the First
Capital Bancorp, Inc. Non-Qualified Stock Option Agreement dated as of
_____________, 199_. The purchase shall take place as of _____________, 199_
(the "Exercise Date").

         On or before the Exercise Date, I will pay the applicable purchase
price as follows:

         [ ]      by delivery of cash or a certified check for $__________ for
                  the full purchase price payable to the order of First Capital
                  Bancorp, Inc.

         [ ]      by delivery of cash or a certified check for $__________
                  representing a portion of the purchase price with the balance
                  to consist of shares of Common Stock that I have owned for at
                  least six months and that are represented by a stock
                  certificate I will surrender to the Company with my
                  endorsement. If the number of shares of Common Stock
                  represented by such stock certificate exceed the number to be
                  applied against the purchase price, I understand that a new
                  stock certificate will be issued to me reflecting the excess
                  number of shares.

           EXHIBIT 1 to Non-Qualified Stock Option Agreement - Page 1
<PAGE>

         [ ]      by delivery of a stock certificate representing shares of
                  Common Stock that I have owned for at least six months which I
                  will surrender to the Company with my endorsement as payment
                  of the purchase price. If the number of shares of Common Stock
                  represented by such certificate exceed the number to be
                  applied against the purchase price, I understand that a new
                  certificate will be issued to me reflecting the excess number
                  of shares.

         [ ]      by delivery of the purchase price by _______________, a
                  broker, dealer or other "creditor" as defined by Regulation T
                  issued by the Board of Governors of the Federal Reserve
                  System. I hereby authorize the Company to issue a stock
                  certificate in number of shares indicated above in the name of
                  said broker, dealer or other creditor or its nominee pursuant
                  to instructions received by the Company and to deliver said
                  stock certificate directly to that broker, dealer or other
                  creditor (or to such other party specified in the instructions
                  received by the Company from the broker, dealer or other
                  creditor) upon receipt of the purchase price.

         The required federal, state and local income tax withholding, if any,
on the exercise of the option shall be paid on or before the Exercise Date in
cash or by certified check, or in the manner provided in the Withholding
Election previously tendered or to be tendered to the Company no later than the
Exercise Date.

         As soon as the stock certificate is registered in my name, please
delivery it to me at the above address.

         If the Common Stock being acquired is not registered for issuance to
and resale by the Optionee pursuant to an effective registration statement on
Form S-8 (or successor form) filed under the Securities Act of 1933, as amended
(the "1933 Act"), I hereby represent, warrant, covenant, and agree with the
Company as follows:

                  The shares of the Common Stock being acquired by me will be
         acquired for my own account without the participation of any other
         person, with the intent of holding the Common Stock for investment and
         without the intent of participating, directly or indirectly, in a
         distribution of the Common Stock and not with a view to, or for resale
         in connection with, any distribution of the Common Stock, nor am I
         aware of the existence of any distribution of the Common Stock;

                  I am not acquiring the Common Stock based upon any
         representation, oral or written, by any person with respect to the
         future value of, or income from, the Common Stock but rather upon an
         independent examination and judgment as to the prospects of the
         Company;

                  The Common Stock was not offered to me by means of publicly
         disseminated advertisements or sales literature, nor am I aware of any
         offers made to other persons by such means;

           EXHIBIT 1 to Non-Qualified Stock Option Agreement - Page 2
<PAGE>

                  I am able to bear the economic risks of the investment in the
         Common Stock, including the risk of a complete loss of my investment
         therein;

                  I understand and agree that the Common Stock will be issued
         and sold to me without registration under any state law relating to the
         registration of securities for sale, and will be issued and sold in
         reliance on the exemptions from registration under the 1933 Act,
         provided by Sections 3(b) and/or 4(2) thereof and the rules and
         regulations promulgated thereunder;

                  The Common Stock cannot be offered for sale, sold or
         transferred by me other than pursuant to: (A) an effective registration
         under the 1933 Act or in a transaction otherwise in compliance with the
         1933 Act; and (B) evidence satisfactory to the Company of compliance
         with the applicable securities laws of other jurisdictions. The Company
         shall be entitled to rely upon an opinion of counsel satisfactory to it
         with respect to compliance with the above laws;

                  The Company will be under no obligation to register the Common
         Stock or to comply with any exemption available for sale of the Common
         Stock without registration or filing, and the information or conditions
         necessary to permit routine sales of securities of the Company under
         Rule 144 under the 1933 Act are not now available and no assurance has
         been given that it or they will become available. The Company is under
         no obligation to act in any manner so as to make Rule 144 available
         with respect to the Common Stock;

                  I have and have had complete access to and the opportunity to
         review and make copies of all material documents related to the
         business of the Company, including, but not limited to, contracts,
         financial statements, tax returns, leases, deeds and other books and
         records. I have examined such of these documents as I wished and am
         familiar with the business and affairs of the Company. I realize that
         the purchase of the Common Stock is a speculative investment and that
         any possible profit therefrom is uncertain;

                  I have had the opportunity to ask questions of and receive
         answers from the Company and any person acting on its behalf and to
         obtain all material information reasonably available with respect to
         the Company and its affairs. I have received all information and data
         with respect to the Company which I have requested and which I have
         deemed relevant in connection with the evaluation of the merits and
         risks of my investment in the Company;

                  I have such knowledge and experience in financial and business
         matters that I am capable of evaluating the merits and risks of the
         purchase of the Common Stock hereunder and I am able to bear the
         economic risk of such purchase; and

           EXHIBIT 1 to Non-Qualified Stock Option Agreement - Page 3
<PAGE>

                  The agreements, representations, warranties and covenants made
         by me herein extend to and apply to all of the Common Stock of the
         Company issued to me pursuant to this Option. Acceptance by me of the
         certificate representing such Common Stock shall constitute a
         confirmation by me that all such agreements, representations,
         warranties and covenants made herein shall be true and correct at that
         time.

         I understand that the certificates representing the shares being
purchased by me in accordance with this notice shall bear a legend referring to
the foregoing covenants, representations and warranties and restrictions on
transfer, and I agree that a legend to that effect may be placed on any
certificate which may be issued to me as a substitute for the certificates being
acquired by me in accordance with this notice.

                                              Very truly yours,

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

AGREED TO AND ACCEPTED:

FIRST CAPITAL BANCORP, INC.

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

Title:
      -------------------------------

Number of Shares
Exercised:
          ---------------------------

Number of Shares
Remaining:                                       Date:
          ---------------------------                 --------------------------

           EXHIBIT 1 to Non-Qualified Stock Option Agreement - Page 4
<PAGE>

                                   SCHEDULE I
                         TO FIRST CAPITAL BANCORP, INC.
                      NON-QUALIFIED STOCK OPTION AGREEMENT

                                VESTING SCHEDULE

         "Vested Shares" means only that percentage of the number of shares of
Common Stock subject to the Option as to which the Option becomes exercisable
following completion of the years of service indicated in the schedule below.

        Percentage of Shares                Years of Service
      Which are Vested Shares               After Grant Date
      -----------------------               ----------------

                68%                         Less than 1 year

                88%                              1 year

               100%                              2 years

Notwithstanding the foregoing Vesting Schedule, the Option shall become fully
vested and exercisable during the Option Period if and when the Optionee retires
on or after age 65 or upon the occurrence of any Change in Control or any
earlier date specified by the Committee in writing to the Optionee subsequent to
or contemporaneously with a determination by the Committee that a Change in
Control is imminent.

         1. CONSTRUCTION. (a) For purposes of the Vesting Schedule, Optionee
shall be granted a year of service for each consecutive twelve-consecutive-month
period following the Grant Date and during which Optionee continues, at all
times, as a director of the Company or a Subsidiary.

         (b) The right of Optionee to vest in Common Stock shall cease upon the
termination of his or her service as a director of the Company or a Subsidiary,
whether by reason of death, Disability or otherwise and, thereafter, no further
shares shall become Vested Shares; and the Option shall be exercisable during
the Option Period specified in Section 4 of the Agreement.

           SCHEDULE 1 to Non-Qualified Stock Option Agreement - Page 1

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