1997 OMNIBUS STOCK OWNERSHIP
AND LONG TERM INCENTIVE PLAN
INCENTIVE STOCK OPTION AGREEMENT
THIS AGREEMENT (this "Agreement") is made and entered into as of the date of the grant set forth above (the
"Grant Date"), by and between ABC Bancorp, a Georgia corporation ("ABC"), and the above named individual
W I T N E S S E T H:
WHEREAS, ABC has established the "ABC Bancorp 1997 Omnibus Stock Ownership and Long Term
Incentive Plan" (the "Plan") to advance the interests of ABC and any parent or subsidiary corporation of ABC
(together with ABC, referred to collectively as the "Company") by strengthening the Company's ability to attract
and retain individuals of training, experience and ability in the employ of the Company and to furnish additional
incentive to such key employees to promote the Company's financial success.
* Subject to acceleration as provided in Section 3 hereof.
WHEREAS, pursuant to the provisions of the Plan and the respective Written Consents executed on the Grant
Date by the Board of Directors of ABC and the Compensation Committee thereof appointed thereby (the
"Committee"), the Committee has the full power and authority to direct the execution and delivery of this
Agreement in the name and on behalf of ABC in order to evidence and to set forth fully the terms of that certain
grant of a stock option to the Grantee as effected by said Written Consents.
NOW, THEREFORE, the parties hereto agree as follows:
1. Grant of ISO. Subject and pursuant to all terms and conditions stated in this Agreement and in the Plan, which
is incorporated herein by this reference and made a part hereof as though fully set forth herein, ABC grants to the
Grantee on the Grant Date an incentive stock option (the "ISO", as defined under the Plan) within the meaning of
Section 422 of the Internal Revenue Code of 1986, as amended (the "Code"), to purchase the number of shares
of ABC's common stock, $1.00 par value per share ("Common S