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                                                                    Exhibit 10.1

                     FEDERAL DESPOSIT INSURANCE CORPORATION
                                WASHINGTON D.C.

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In the Matter of                )                        STIPULATION
                                )                   TO THE ISSUANCE OF A
CORNERSTONE COMMUNITY BANK      )                       CONSENT ORDER
CHATTANOOGA, TENNESSEE          )
                                )
                                )                        FDIC-10-037b
(INSURED STATE NOVEMBER BANK)   )
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     Subject  to  the  acceptance  of this STIPULATION THE ISSUANCE OF A CONSENT
ORDER  ("STIPULATION") by the Federal Deposit Insurance Corporation ("FDIC"), it
is  hereboy  stipulated  and agreed by and between a representative of the Legal
Division  of  the  FDIC  and Cornerstone Community Bank, Chattanooga, Tennessee,
("Bank")  as  follows:

     1.  The Bank has been advised of its right to the issuance and service of a
NOTICE  OF  CHARGES  AND  OF  HEARING  detailing  the  unsafe or unsound banking
practices  and  violations  of  law  and/or  regulations  alleged  to  have been
committed by the Bank and of its right to a hearing on the alleged charges under
section  8(b)  of  the  Federal  Deposit  Insurance  Act  ("Act"), 12 U.S.C. ss.
1818(b),  and  the  Bank  has  waved  those  rights.

     2.  The  Bank,  solely  for  the  purpose  of  this  proceeding and without
admitting  or denying any of the charges unsafe or unsound banking practices and
violations of law and/or regulations, hereby consents and agrees to the issuance
of a CONSENT ORDER ("ORDER") by the FDIC. The Bank further stipulates and agrees
that  such  ORDER  shall be deemed to be a final ORDER and that said ORDER shall
become effective upon its issuance by the FDIC and shall be fully enforceable by
the  FDIC  pursuant  to the provisions of section 8(i) of the Act, 12 U.S.C. ss.
1818(i),  subject  only  to  the  conditions  set  forth  in paragraph 3 of this
STIPULATION.


     3.  In  the event the FDIC accepts the STIPULATION and issues the ORDER, it
is  agreed  that  no action will be taken by the FDIC to enforce said ORDER in a
United States District Court unless the Bank or any institution-affiliated party
has  violated  or  is  about  to  violate  any  provision  of  the  ORDER.

     4.  Solely  for  the  purpose  of  this proceeding, the Bank hereby waives:

          (a)  The issuance  and  service  of  a  NOTICE  OF  CHARGES  AND  OF
               HEARING;

          (b)  All defenses  to  the  alleged  charges  in the NOTICE OF CHARGES
               AND  OF  HEARING;

          (c)  A hearing  for  the  purpose  of  taking evidence on such alleged
               charges;

          (d)  The filing  of  PROPOSED  FINDINGS  OF  FACT  AND  CONCLUSIONS OF
               LAW;

          (e)  A RECOMMENDED  DECISION  of  an  Administrative  Law  Judge;

          (f)  The filing  of  exceptions  with  respect  to  such  RECOMMENDED
               DECISION;  and

          (g)  Review  of  the  ORDER  by  any  Federal  court.

     Dated  this____day  of____,  2010.

FEDERAL DESPOSIT INSURANCE
CORPORATION
LEGAL DIVISION


BY:
    ------------------
    Michael R. Tregle
    Counsel


CORNERSTONE COMMUNITY BANK
CHATTANOOGA, TENNESSEE

BY: /s/ Frank Hughes
    ------------------
    Frank Hughes

BY: /s/ Wesley M. Welborn
    ---------------------
    Wesley M. Welbor