CONSTRUCTION AGREEMENT

                                                                    Exhibit 10.1


AIA Document A101 -1997

Standard  Form of  Agreement  Between  Owner and  Contractor  where the basis of
payment is a STIPULATED SUM


AGREEMENT made as of .he Fourth day of January in the year of Two Thousand Seven

 BETWEEN the Owner:

 Cornerstone National Bank, General Corporation
 670 East Main Street
 Easley, SC 29640
 Telephone Number: 864-306-1444

 and the Contractor:

 SYS Constructors, Inc., General Corporation
 20 Brozzini Court
 Greenville, SC 29615
 Telephone Number: 864-288-3885

 The Project is:

 Cornerstone National Bank Operations Center
 1670 East Main Street
 Easley, SC 29640

 The Architect is:

 Context Design Group, LLC, Limited Liability Company
 200 Westfield Street
 Greenville, SC 29601
 Telephone Number: 864-233-3230
 Fax Number: 864-233-3220

 The Owner and Contractor agree as follows.

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 ARTICLE 1 THE CONTRACT DOCUMENTS

 The Contract  Documents  consist of this Agreement,  Conditions of the Contract
 (General,  Supplementary  and  other  Conditions),   Drawings,  Specifications,
 Addenda issued prior to execution of this Agreement,  other documents listed in
 this  Agreement and  Modifications  issued after  execution of this  Agreement;
 these form the Contract, and are as fully a part of the Contract as if attached
 to this Agreement or repeated  herein.  The Contract  represents the entire and
 integrated   agreement   between  the  parties  hereto  and  supersedes   prior
 negotiations,  representations  or  agreements,  either  written  or  oral.  An
 enumeration of the Contract  Documents,  other than  Modifications,  appears in
 Article 8.

 ARTICLE 2 THE WORK OF THIS CONTRACT


 The  Contractor  shall  fully  execute  the  Work  described  in  the  Contract
 Documents,  except  to  the  extent  specifically  indicated  in  the  Contract
 Documents to be the responsibility of others.


 ARTICLE 3 DATE OF COMMENCEMENT AND SUBSTANTIAL COMPLETION
 Section  3.1 The date of  commencement  of the  Work  shall be the date of this
 Agreement  unless a different date is stated below or provision is made for the
 date to be fixed in a notice to proceed  issued by the Owner.  (Insert the date
 of  commencement  if it  differs  from  the  dare  of  this  Agreement  or,  if
 applicable. state that the date will be fixed in a notice to proceed.)

 RECEIPT OF FULL BUILDING PERMIT
 If, prior to the  commencement  of the Work,  the Owner  requires  time to file
 mortgages,  mechanic's  liens and other  security  interests,  the Owner's time
 requirement shall be as follows:

 Section 3.2 The Contract Time shall be measured from the date of commencement.

 Section 3.3 The Contractor shall achieve  Substantial  Completion of the entire
 Work not later  than 226 days  from the date of  commencement,  or as  follows:
 (Insert  number of calendar  days.  Alternatively,  a calendar date may be used
 when coordinated with the date of commencement.  Unless stated elsewhere in {he
 Contract Documents,  insert any requirements for earlier Substantial Completion
 of certain portions of the Work.);

        Portion of Work                  Substantial Completion Date
        Contract Scope                   July 27, 2007

, subject to  adjustments  of this  Contract  Time as provided  in the  Contract
Documents.  (Insert  provisions.  if any,  for  liquidated  damages  relating to
failure to complete on time or for bonus  payments for early  completion  of the
Work.)

 ARTICLE 4 CONTRACT SUM
 Section  4.1 The Owner shall pay the  Contractor  the  Contract  Sum in current
 funds for the Contractor's  performance of the Contract. The Contract Sum shall
 be One Million Thirteen Thousand Two Hundred  Forty-four Dollars and Zero Cents
 ($1,013,244.00),  subject  to  additions  and  deductions  as  provided  in the
 Contract Documents.

 Section 4.2 The Contract Sum is based upon the  following  alternates.  if any.
 which are described in the Contract  Documents  and arc hereby  accepted by the
 Owner: (State the numbers or other  identification of accepted  alternates.  If
 decisions on other  alternates  are to be made by the Owner  subsequent  to the
 execution of this Agreement, attach a schedule of such other alternates showing
 the amount for each and the dare when that amount expires)

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Alternate No. I - Not Accepted

Voluntary  Alternate "A" - Aluminum  Louvers - Add $2,450.00 to have the Louvers
as Specified in Section 10200

Voluntary  Alternate  "B" - Dual  Piston  Elevator - Add  $2,450.00  to have the
Elevator as Specified in Section 14240

Voluntary  Alternate  "C" -1 Ton Steel Misc.  Steel per Note F-14 on S-000 - Add
$15,000.00 to have an allowance to be used for Miscellaneous Steel as Specified

Voluntary  Alternate "D" - Access Floor Type FS vs. S - Deduct $7,896.00 - Owner
will provide Access Floor under a separate contract

Voluntary  Alternate  "E" -  Additional  Permit Fee  Allowance  - Add  $5,000.00
Allowance  to  accommodate  additional  fees  anticipated  for  Owner  Purchased
Contract values in addition to General Contractor Base Bid Amount

Voluntary  Alternate "F" - Grass - Add $1,200.00 for  Hydro-Seeding of all areas
not to be paved

Section 4.3 Unit prices, if any, are as follows:

Description                                        Units         Price ($0.00)
Unit Price #1 Trench Rock                           CU              $350.00
Unit Price #2 Mass Rock                             CU              $125.00
Unit Price #3 Removal of Under Cut Soil             CU                $8.50
Unit Price #4 Engineered Fill                       CU               $35.00
Unit Price #5 Off-site Fill                         CU               $11.75
Unit Price #6 On-site Fill                          CU                $9.50

 ARTICLE 5 PAYMENTS
 Section 5.1 PROGRESS PAYMENTS