Cash and due from banks

Exhibit 10.13

FIRST COMMUNITY BANCSHARES, INC.

2004 OMNIBUS STOCK OPTION PLAN

STOCK AWARD AGREEMENT

First Community Bancshares, Inc. (the “Company”), pursuant to its 2004 Omnibus Stock Option Plan (the “Plan”), hereby grants to Grantee an Award to purchase the number of shares of the Company’s Common Stock set forth below. This Award is subject to all of the terms and conditions as set forth herein and in this Stock Award Agreement, and the Plan and the Notice of Exercise, each of which are attached hereto and incorporated herein in their entirety. Acceptance of this Award is conditioned upon the Grantee’s acceptance of the terms of the Non-Competition and Non-Solicitation Agreement (the “Non-Compete”) an executed copy of which also is attached hereto and incorporated herein in its entirety.

     ¹ If this is an incentive stock option, it (plus your other outstanding incentive stock options) cannot be first exercisable for more than $100,000 in any calendar year. Any excess over $100,000 is a nonqualified stock option.

     The details of your Award are as follows:

1. Whole Shares – Option Awards. You may exercise your option Award for whole shares of Common Stock.

2. Securities Law – Compliance. The exercise of your Award must comply with applicable laws and regulations governing your Award, and you may not exercise your Award, nor do so in any particular manner if the Company determines that such exercise or the manner of exercise would not be in material compliance with such laws and regulations.

3. Term. The term of your Award commences on the Date of Grant and expires upon the earliest of the following:

If your Award is an incentive stock option, note that, to obtain the federal income tax advantages associated with an “incentive stock option,” the Internal Revenue Code requires that at all times beginning on the date of grant of your Award and ending on the day three (3) months before the date of your option’s exercise, you must be an employee of the Company or an Affiliate, except in the event of your death, Disability or Retirement. The Company has provided for extended exercisability of your Award under certain circumstances for your benefit but cannot guarantee that your Award will necessarily be treated as an “incentive stock option” if you continue to provide services to the Company or an Affiliate as a Consultant or Director after your employment terminates or if you otherwise exercise your Award more than three (3) months after the date your employment terminates.

4. Exercise. You may exercise the vested portion of your Award during its term by delivering a Notice of Exercise (in a form designated by the Company) together with the exercise price to the Secretary of the Company, or to such other person as the Company may designate, during regular business hours, together with such additional documents as the Company may then require.

By exercising your Award you agree that, as a condition to any exercise of your Award, the Company may require you to enter into an arrangement providing for the payment by you to the Company of any tax withholding obligation of the Company arising by reason of (1) the exercise of your Award, (2) the lapse of any substantial risk of forfeiture to which the shares of Common Stock issued pursuant to a Restricted Stock Award are subject at the time of exercise, or (3) the disposition of shares of Common Stock acquired upon such exercise.

If your Award is an incentive stock option, by exercising your Award you agree that you will notify the Company in writing within fifteen (15) days after the date of any disposition of any of the shares of the Common Stock issued upon exercise of your Award that occurs within two (2) years after the date of your Award grant or within one (1) year after such shares of Common Stock are transferred upon exercise of your Award.

By exercising your Award you agree that the Company may require that you not sell, dispose of, transfer, make any short sale of, grant any option for the purchase of, or enter into any hedging or similar transaction with the same economic effect as a sale, any shares of Common Stock or other securities of the Company held by you, for the period of time to which you are or remain subject to obligations or other restrictive covenants pursuant to the terms of one or more Additional Agreements (identified below). You further agree to execute and deliver such other agreements as may be reasonably requested by the Company that are consistent with the foregoing or that are necessary to give further effect thereto. In order to enforce the foregoing covenant, the Company may impose stop-transfer instructions with respect to your shares of Common Stock until the end of such period.

5. Transferability. Your Award is not transferable, except by will or by the laws of descent and distribution, and is exercisable during your life only by you. Notwithstanding the foregoing, by delivering written notice to the Company, in a form satisfactory to the Company, you may designate a third party who, in the event of your death, shall thereafter be entitled to exercise your Award.

6. Company Buyback of Award Shares. In the event the Company, in its sole and reasonable discretion, determines that you have violated the terms of one or more Additional Agreements (identified below), then the Company shall have the right to repurchase from you all or any part of the shares of Common Stock you have acquired pursuant to the exercise of your Awards under the Plan and such repurchase shall be at the price you paid for such shares.

7. Award Not a Service Contract. Your Award is not an employment or service contract, and nothing in your Award shall be deemed to create in any way whatsoever any obligation on your part to continue in the employ of the Company or an affiliate, or of the Company or an affiliate to continue your employment. In addition, nothing in your Award shall obligate the Company or an affiliate, their respective shareholders, Boards of Directors, Officers or Employees to continue any relationship that you might have as a Director or Consultant for the Company or an affiliate.

8. Withholding Obligations. At the time you exercise your Award, in whole or in part, or at any time thereafter as requested by the Company, you hereby authorize withholding from payroll and any other amounts payable to you, and otherwise agree to make adequate provision for (including by means of a “cashless exercise” to the extent permitted by the Company and as memorialized hereunder), any sums required to satisfy the federal, state, local and foreign tax withholding obligations of the Company or an affiliate, if any, which arise in connection with your Award.

Upon your request and subject to approval by the Company, in its sole discretion, and compliance with any applicable conditions or restrictions of law, the Company may withhold from fully vested shares of Common Stock otherwise issuable to you upon the exercise of your Award a number of whole shares of Common Stock having a Fair Market Value, determined by the Company as of the date of exercise, not in excess of the minimum amount of tax required to be withheld by law. If the date of determination of any tax withholding obligation is deferred to a date later than the date of exercise of your Award, share withholding pursuant to the preceding sentence shall not be permitted unless you make a proper and timely election under Section 83(b) of the Code, covering the aggregate number of shares of Common Stock acquired upon such exercise with respect to which such determination is otherwise deferred, to accelerate the determination of such tax withholding obligation to the date of exercise of your Award. Notwithstanding the filing of such election, shares of Common Stock shall be withheld solely from fully vested shares of Common Stock determined as of the date of exercise of your Award that are otherwise issuable to you upon such exercise. Any adverse consequences to you arising in connection with such share withholding procedure shall be your sole responsibility.

You may not exercise your Award unless the tax withholding obligations of the Company and/or any affiliate are satisfied. Accordingly, you may not be able to exercise your Award when desired even though your Award is vested, and the Company shall have no obligation to issue a certificate for such shares of Common Stock or release such shares of Common Stock from any escrow provided for herein.

9. Notices. Any notices provided for in your Award or the Plan shall be given in writing and shall be deemed effectively given upon receipt or, in the case of notices delivered by mail by the Company to you, five (5) days after deposit in the United States mail, postage prepaid, addressed to you at the last address you provided to the Company.

10. Governing Plan Document. Your Award is subject to all the provisions of the Plan, the provisions of which are hereby made a part of your Award, and is further subject to all interpretations, amendments, rules and regulations which may from time to time be promulgated and adopted pursuant to the Plan. In the event of any conflict between the provisions of your Award and those of the Plan, the provisions of the Plan shall control.

11. Additional Terms/Acknowledgements: The undersigned Grantee acknowledges receipt of, and understands and agrees to, this Stock Award Agreement and the Plan. Grantee further acknowledges that as of the Date of Award, this Stock Award Agreement and the Plan set forth the entire understanding between Grantee and the Company regarding the acquisition of stock in the Company and supersede all prior oral and written agreements on that subject with the exception of (i) Awards previously granted and delivered to Grantee under the Plan, and (ii) the following agreements only:

Attachments: Plan, Non-Competition and Non-Solicitation Agreement and Notice of Exercise