0000315849-10-000006 Sample Contracts

EXHIBIT 10.13 GUARANTEE

Guarantee • March 31st, 2010 • Southwest Georgia Financial Corp • State commercial banks

• Contract Type
  Guarantee
• Filed
  March 31st, 2010
• Company
  Southwest Georgia Financial Corp
• Industry
  State commercial banks

WHEREAS, Empire Financial Services, Inc., a Georgia corporation ("Empire") and Charlie Lemons, an individual resident of the State of North Carolina ("Executive") entered into that certain Employment Agreement, dated as of January 8, 2007 (the "Agreement"); and

EMPLOYEE STOCK OWNERSHIP PLAN AND TRUST OF SOUTHWEST GEORGIA FINANCIAL CORPORATION

Employee Stock Ownership Plan and Trust • March 31st, 2010 • Southwest Georgia Financial Corp • State commercial banks • Georgia

• Contract Type
  Employee Stock Ownership Plan and Trust
• Filed
  March 31st, 2010
• Company
  Southwest Georgia Financial Corp
• Industry
  State commercial banks
• Jurisdiction
  Georgia