0000942708-01-500081 Sample Contracts

PROMISSORY NOTE --------------------------------------------------------------- ----------------- Principal Loan Date Maturity Loan No. Call/Coll Account Officer Initials $400,000.00 11-29-2001 11-29-2008 JBS
Promissory Note • December 7th, 2001 • Georgia Bancshares Inc//

PROMISE TO PAY. Georgia Bancshares, Inc. ("Borrower") promises to pay to The Bankers Bank ("Borrower") promises to pay to The Bankers Bank ("Lender"), or order, in lawful money of the United States of America, the principal amount of Four Hundred Thousand & 00/100 Dollars ($400,000.00), together with interest on the unpaid principal balance from November 29, 2001 until paid in full.

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REAL ESTATE LEASE
Real Estate Lease • December 7th, 2001 • Georgia Bancshares Inc// • Georgia
RECITALS:
Reorganization Agreement and Plan of Share Exchange • December 7th, 2001 • Georgia Bancshares Inc//
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