0000942708-01-500033 Sample Contracts

Warrant Holder: No. of Shares: --------------------------------- ---------------
Stock Warrant Agreement • August 3rd, 2001 • First Southern Bancorp Inc /Ga/
OPTION TO PURCHASE (AND CONTRACT TO SELL) REAL ESTATE
Option to Purchase and Contract to Sell Real Estate • August 3rd, 2001 • First Southern Bancorp Inc /Ga/ • Georgia