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Agreement#: AG-130510
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Negative Pledge Agreement

Effective Date: May 19, 1997
Parties:

Peoples Community Capital

Sectors: Banking
EXHIBIT 10.7


2

NEGATIVE PLEDGE AGREEMENT
Associated with a $875,000.00 Carolina First
Bank Loan in favor of People's Community
Capital Corporation
dated May 19, 1997


The undersigned borrower hereby agrees to grant to Carolina First Bank a NEGATIVE PLEDGE on certain assets in relation to a loan from Carolina First Bank. This negative pledge represents an agreement on behalf of the Borrower not to encumber, sell or otherwise liquidate said assets without the expressed written consent of Carolina First Bank.


Borrower: People's Community CapitalCorporation Negative Pledge Asset ...

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