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                                                                 EXHIBIT 10(a)


      The following individuals, all of whom are either directors or executive
officers of Citi-Bancshares, Inc., have entered into a Shareholder Agreement
substantially identical to the Shareholder Agreement which is Exhibit 2 to the
Agreement and Plan of Merger filed as Exhibit 2(a).

Name


Douglas W. Braun
Clifton L. Bridges
W. Thomas Brooks
Thomas N. Grizzard
William F. Herlong, Jr.
Wendell F. Husebo
Walter S. McLin, III
Ken W. Mullis
Terry Trexler
Ferrell D. Young