(d) Exhibits:

           Exhibit Number          Description
           --------------          -----------

           Exhibit 10.1           Amended and Restated Employment Agreement
                                  between Citizens South Bank and Kim S. Price,
                                  dated November 17, 2008.

           Exhibit 10.2           Amended and Restated Employment Agreement
                                  between Citizens South Bank and James Louis
                                  Brewer, dated November 17, 2008.

           Exhibit 10.3           Amended and Restated Employment Agreement
                                  between Citizens South Bank and Ira McDonald
                                  Flowe, Jr., dated November 17, 2008.

           Exhibit 10.4           Form of Amended and Restated Severance
                                  Agreements between Citizens South Bank and
                                  certain officers, dated November 17, 2008.

           Exhibit 10.5           Form of Amendment to the Salary Continuation
                                  Agreement between Citizens South Bank and
                                  certain officers, dated November 17, 2008.

           Exhibit 10.6           Form of Amendment to the Director Retirement
                                  Agreement between Citizens South Bank and
                                  certain directors, dated November 17, 2008.

           Exhibit 10.7           Form of Amendment to the Director Compensation
                                  Agreement between Citizens South Bank and
                                  certain directors, dated November 17, 2008.