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