0001003297-02-000249 Sample Contracts

AMENDMENT TO AGREEMENT AND PLAN OF MERGER
Agreement and Plan of Merger • December 31st, 2002 • Citizens Bancshares Corp /Ga/ • State commercial banks

This Amendment (the "Amendment") to Agreement and Plan of Merger dated May 30, 2002, by and among CITIZENS BANCSHARES CORPORATION ("CBC"), CITIZENS TRUST BANK ("CTB"), CFS BANCSHARES, INC. ("CFSB"), and CITIZENS FEDERAL SAVINGS BANK ("Citizens Federal") (collectively, the "Parties") is made and entered into as of this 19th day of December, 2002, by and among the Parties.

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