EXHIBIT 10.4
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2005 CORPORATE BONUS PLAN
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     The Company's annual corporate bonus plan is intended to assist the Company
in rewarding and motivating key employees, focuses strongly on Company and
individual performance, and provides a fully competitive compensation package to
plan participants. As a pay-for-performance plan, cash incentive awards are paid
annually based on the achievement of performance objectives for the year. Under
the plan, each plan participant is provided a range of potential annual
incentive awards based on competitive award levels in the marketplace. Actual
awards paid under the plan are based on the Company's corporate performance.
Individual performance is also considered in determining actual award levels,
but is assessed in a non-formulaic fashion. The 2005 Corporate Bonus Plan
performance objective is earnings per share performance against plan. The
maximum incentive awards that could be awarded to the named executive officers
pursuant to the 2005 Corporate Bonus Plan are as follows: Zan Guerry - (150% x
annual base salary); A. Alexander Taylor II - (150% x annual base salary); B.
Derrill Pitts - (60% x annual base salary); Richard D. Moss - (60% x annual base
salary) and Donald K. Riker - (60% x annual base salary).