STOCK OPTION AGREEMENT FOR NON-INCENTIVE STOCK OPTIONS PURSUANT TO THE CFS BANCSHARES, INC. STOCK OPTION AND INCENTIVE PLAN STOCK OPTION for a total of _______ shares of Common Stock, par value $.01 per share, of CFS Bancshares, Inc. (the "Company")...Stock Option Agreement • July 13th, 2001 • CFS Bancshares Inc • Savings institution, federally chartered
