EXHIBIT 10.16
EMPLOYMENT AGREEMENT
THIS AGREEMENT ("Agreement") is made and entered into as of this ___ day of ______, ____, by and
between _________, an individual resident of the State of Georgia ("Executive"), SOUTHWEST GEORGIA
FINANCIAL CORPORATION, a Georgia corporation (the "Employer"), and SOUTHWEST GEORGIA
BANK, a Georgia bank and wholly-owned subsidiary of the Employer (the "Bank"). References herein to the
"Employer" shall refer to both the Employer and the Bank, as the context requires, and the Employer and the
Bank shall have the option to perform the obligations provided herein, in their sole discretion, through either
entity; provided, however, that for purposes of such obligations and the rights of the Employer under this
Agreement, Employer and Bank shall be treated as one and the same. Executive may enforce his rights against
either the Employer, the Bank, or both the Employer and the Bank.
WHEREAS, Executive is presently employed by Employer in the capacity of __________ of the Employer and
the Bank;
WHEREAS, Executive possesses considerable experience and significant knowledge and information with
respect to Employer, which knowledge and information includes trade secrets of Employer, which will be
increased, developed and enhanced through Executive's continued employment by Employer; and
WHEREAS, the parties hereto desire to enter into an agreement for Employer's continued employment of
Executive on the terms and conditions contained herein;
NOW, THEREFORE, in consideration of the premises and the mutual promises and agreements contained
herein, the parties hereto, intending to be legally bound, hereby agree as follows:
Section 1. Employment.
Subject to the terms hereof, the Employer hereby employs Executive, and Executive hereby accepts such
employment. Executive will serve as ___________ of the Employer and the Bank or in such other executive
capacity as the President of Employer may recommend to the Board of Directors and the Board may hereafter
from time to