EXHIBIT 10.13

                  AMENDMENT TO BONUS AND STOCK OPTION AGREEMENT

         For and in exchange for good and valuable consideration, the receipt
and sufficiency of which is acknowledged, Steven J. Haack ("Individual") and
WGNB Corporation ("Corporation") hereby amend the Bonus and Stock Option
Agreement between them dated as of September 23, 1998.

         Section 2.1 shall be changed to read as follows:

         2.1    Corporation grants to Individual the option to acquire shares of
                the common stock of Corporation on an annual basis ("Option
                Shares"), pursuant to the WGNB Corp. Incentive Stock Option Plan
                ("ISO Plan") in an amount equal to 2 times the quotient (rounded
                to the nearest whole share) which shall be determined by
                dividing (a) the Cash Bonus due to Individual pursuant to
                Section 1 for the applicable year, by (b) the Market Value Per
                Share of the common stock of Corporation as the volume weighted
                average closing price for the ninety calendar day period ending
                with the date of the grant, except that the grant date price
                shall be taken as of within an hour before the time of the
                grant.

         All other terms and conditions of the Bonus and Stock Option Agreement
shall remain in full force and effect and are not changed in any manner by the
execution of this Amendment.

         Executed this 26th day of April, 2002.

WGNB Corp.



/s/ L. Leighton Alston
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By: L. LEIGHTON ALSTON
Its:  PRESIDENT & CEO

Executed this 26th day of April, 2002.

/s/ Steven J. Haack
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Steven J. Haack