Re: Loan and Stock Pledge Agreement (the "Agreement") dated December 31, 2007 between First National Bancshares, Inc. ("Borrower") and Nexity Bank ("Lender"), and a Commercial Promissory Note ("Note") of even date in the original principal amount of $15,000,000. Dear Kitty:

Stock Pledge Agreement

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FIRST NATIONAL BANCSHARES INC /SC/

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Title: Re: Loan and Stock Pledge Agreement (the "Agreement") dated December 31, 2007 between First National Bancshares, Inc. ("Borrower") and Nexity Bank ("Lender"), and a Commercial Promissory Note ("Note") of even date in the original principal amount of $15,000,000. Dear Kitty:
Date: 4/1/2009
Industry: Money Center Banks Sector: Financial

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