POWER OF ATTORNEY

         Know by all these present, that the undersigned hereby constitutes and
appoints Jonathan R. Coe as the undersigned's true and lawful attorney-in-fact
to:

1)   to execute for and on behalf of the undersigned, in the undersigned's
     capacity as an officer and/or director of InterCept, Inc. (the "Company"),
     Forms 4 and 5 in accordance with Section 16(a) of the Securities Exchange
     Act of 1934 and the rules thereunder;

2)   do and perform any and all acts for and on behalf of the undersigned which
     may be necessary or desirable to complete and execute any such Form 4 or 5
     and timely file such form with the United States Securities and Exchange
     Commission and any stock exchange or similar authority; and

3)   to take any other action of any type whatsoever in connection with the
     foregoing which, in the opinion of such attorney-in-fact, may be of benefit
     to, in the best interest of, or legally required by, the undersigned, it
     being understood that the documents executed by such attorney-in-fact on
     behalf of the undersigned pursuant to this Power of Attorney shall be in
     such form and shall contain such terms and conditions as such
     attorney-in-fact may approve in such attorney-in-fact's discretion.

         The undersigned hereby grants to such attorney-in fact full power and
     authority to do and perform any and every act and thing whatsoever
     requisite, necessary, or proper to be done in the exercise of any of the
     rights and powers herein granted, as fully to all intents and purposes as
     the undersigned might or could do if personally present, with full power of
     substitution or revocation, hereby ratifying and confirming all that such
     attorney-in-fact, or such attorney-in-fact's substitute or substitutes,
     shall lawfully do or cause to be done by virtue of this power of attorney
     and the rights and powers herein granted. The undersigned acknowledges that
     the foregoing attorney-in-fact, in serving in such capacity at the request
     of the undersigned, is not assuming, nor is the Company assuming, any of
     the undersigned's responsibilities to comply with Section 16 of the
     Securities Exchange Act of 1934.

         This Power of Attorney shall remain in full force and effect until the
     undersigned is no longer required to file Forms 4 and 5 with respect to the
     undersigned's holding of and transactions in securities issued by the
     Company, unless earlier revoked by the undersigned in a signed writing
     delivered to the foregoing attorney-in-fact.

         IN WITNESS WHEREOF, the undersigned has caused this Power of Attorney
     to be executed as of this 10th day of November, 2004.

                         /s/ J. Daniel Speight, Jr.
                         -------------------------------------
                         J. Daniel Speight, Jr.