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                                 EXHIBIT 10.14

                              WILDWOOD OFFICE PARK
                         FINANCIAL SERVICE CORPORATION
                            SIXTH AMENDMENT TO LEASE

     THIS SIXTH AMENDMENT TO LEASE ("Amendment"), is made the 15th day of July,
                                                              ----
1996, between Wildwood Associates, a Georgia General Partnership comprised of
International Business Machines Corporation, a New York Corporation, and Cousins
Properties Incorporated, a Georgia Corporation, having an office at Suite 1600,
2500 Windy Ridge Parkway, Atlanta, Georgia 30339-5683, hereinafter called
"Lessor", and Financial Service Corporation having its principal office at Suite
1100, 2300 Windy Ridge Parkway, Atlanta, Georgia 30339, hereinafter called
"Lessee".

                              W I T N E S S E T H:
                              --------------------

     WHEREAS Lessor and Lessee entered into that certain Lease dated March 29,
1990, as amended October 12, 1990, June 1, 1991, September 30, 1993, December
22, 1993 and May 31, 1996 (herein called the "Lease") with respect to the
Demised Premises (as defined in the Lease) located in Suite 1100 of the Building
at 2300 Windy Ridge Parkway, Atlanta, Georgia; and

     WHEREAS Lessee and Lessor have mutually agreed to expand the Demised
Premises.

     NOW, THEREFORE, for and in consideration of the Demised Premises, the
mutual promises contained in this Amendment, and other good and valuable
consideration, the receipt, adequacy and sufficiency of which are hereby
acknowledged by the parties hereto, Lessor and Lessee do hereby agree as
follows:

1.   All terms and words of art used herein, as indicated by the initial
     capitalization thereof, shall have the same respective meaning designated
     for such terms and words of art in the Lease.

2.   Certain Definitions.  Article 1 is hereby amended as follows:
     -------------------

  (g) Rentable Floor Area of Demised Premises:  shall be amended as of the Third
      ---------------------------------------
      Expansion Area Rental Commencement Date by deleting "35,249 square feet"
      and inserting "48,440 square feet".

  (j) Base Rent Rate:  shall be amended by adding the following new
      --------------
      subparagraphs at the end thereof:

     "As of the Third Expansion Area Rental Commencement Date, the initial Base
      Rent Rate through December 31, 1996 for the Third Expansion Area (as
      hereinafter defined) shall be $15.00 per square foot of Rentable Floor
      Area of Third Expansion Area per

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      year; as of the Third Expansion Area Rental Commencement Date the initial
      monthly Base Rent for the entire Demised Premises shall be $54,137.75.

      As to the entire Demised Premises; including the Third Expansion Area,
      from January 1, 1997 through December 31, 1997 the Base Rent Rate shall be
      $14.51 per square foot of Rentable Floor Area per annum subject to
      adjustment commencing January 1, 1998 and annually thereafter as
      hereinafter set forth:

      (a) As used in this Article 1(j), the term "Lease Year" shall mean the
          twelve month period commencing on January 1, 1997 and each successive
          twelve month period thereafter during the Lease Term.  The term
          "Subsequent Year" shall mean each Lease Year of the Lease Term
          following calendar year 1997.  The term "Prior Year" shall mean the
          Lease Year prior to each Subsequent Year.  The term "Index" shall mean
          the Consumer Price Index for all Urban Consumers (U.S. City Average;
          Base 1982-84=100), published by the Bureau of Labor Statistics of the
          United States Department of Labor.  The term "Base Month" shall mean
          the calendar month which is two (2) months prior to January, 1997.
          The term "Comparison Month" shall mean the calendar month which is two
          (2) months prior to the first full month of each Subsequent Year in
          question.

      (b) On the first day of each Subsequent Year, the Base Rental Rate shall
          be increased to an amount equal to $15.00, plus an amount equal to the
          product of fifteen (15) times the percentage increase in the Index for
          the Comparison Month as compared to the Index for the Base Month,
          multiplied by the Base Rental Rate for the first Lease Year ($14.51);
          provided, however, in no event shall the Base Rental Rate for a
          Subsequent Year be greater than the following amounts for the Lease
          Years shown:

<TABLE>
          <S>                                <C>
          Second Lease Year (1998)           $14.74
          Third Lease Year (1999)            $14.98
          Fourth Lease Year (2000)           $15.22
          Fifth Lease Year (2001)            $16.88
          Sixth Lease Year (2002)            $17.39
          Seventh Lease Year (2003)          $17.91
          Eighth Lease Year (2004)           $18.45
          Ninth Lease Year (2005)            $19.00
          Tenth Lease Year (2006)            $19.57
</TABLE>

      (c) If the Bureau of Labor Statistics should discontinue the publication
          of the Index, or publish the same less frequently, or alter the same
          in some manner, then Landlord shall adopt a substitute Index or
          substitute procedure which reasonably reflects.

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  (k) Rental Commencement Date:  A new subparagraph shall be added at the end
      ------------------------
      thereof as follows:

      "As to the Third Expansion Area, the Third Expansion Area Rental
      Commencement Date shall be the earlier of (i) October 1, 1996, or (ii) the
      date Lessee takes occupancy of the Third Expansion Area for business
      purposes ("Third Expansion Area Rental Commencement Date"), provided that
      if the Third Expansion Area is not ready for occupancy on the date set
      forth in (i) above due to delays not caused by Lessee or its employees,
      agents or contractors, then the date set forth in (i) above shall be
      postponed to the date on which the Third Expansion Area is ready for
      occupancy."

  (l) Construction Allowance:  A new subparagraph shall be added:
      ----------------------

      "Lessee, at its sole expense, will cause Rabaut Associates to prepare the
      Third Expansion Area plans dated ___________ (the "Plans"), which must be
      approved by Lessor and Lessee (such approval not to be unreasonably
      withheld, conditioned or delayed) prior to the commencement of any
      alterations or improvements.  The Third Expansion Area shall be turned
      over to Lessee in its "as is" condition on August 1, 1996 for the start of
      construction.  Lessor's contractor shall cause the improvements called for
      by the Plans to be constructed within sixty (60) days after such Plans are
      approved by Lessor and Lessee (such date extended for delays caused by
      Lessee or its employees, agents or contractors).  Lessor and Lessee shall
      bear the cost of the improvements for the Third Expansion Area and any
      modification to the original Demised Premises as follows:

      A.  Lessor shall provide a construction allowance of $7.50 per square foot
          of Rentable Floor Area of Third Expansion Area ($98,932.50) to be
          funded by Lessor to Lessor's contractor within fifteen (15) days of
          receipt from Contractor of copies of all bills or statements for
          expenses incurred with respect to such improvements and alterations.

      B.  Lessee shall pay for all costs in excess of the above allowance.

      C.  Lessee shall pay Lessor's designated agent a construction coordination
          fee of five percent (5%) of the cost of improvements in the Third
          Expansion Area and Demised Premises.  Such fee will be deducted from
          the allowance provided by Lessor."

  (q) A new subparagraph entitled (q) Third Expansion Area shall be added as
                                      --------------------
      follows:

      "The Third Expansion Area shall be defined as the additional 13,191 square
      feet of Rentable Floor Area being leased by Lessee on the (eleventh) 11th
      floor of the Building, as more fully set forth in green on Exhibit "B-6"
      attached hereto (the existing Demised Premises as set forth in yellow).
      The Third Expansion Area shall be included

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      in the definition of Demised Premises for all purposes of this Lease
      including the requirement to pay Additional Rental."

3. Lease of Premises, Page 2 of the Lease.  The Exhibit "B-5 shall be deleted
   -----------------
   and a new Exhibit "B-6" shall be inserted in lieu thereof, a copy of which is
   attached hereto and made a part hereof, indicating the Demised Premises of
   Lessee. The initial and previously expanded Demised Premises is outlined in
   yellow.

4. Exhibit "G", Special Stipulations, Paragraph 11 "Rental Concession", the
   -------------------------------------------------------------------
   following new subparagraph shall be added at the end thereof as follows:

   "For the Third Expansion Area there will be no Rental Concession."

5. The Third Expansion Area is currently under lease to Tampella Power
   Corporation.  The execution of this Amendment and the leasing of the Third
   Expansion Area by Lessee is contingent upon Lessor successfully deleting the
   Third Expansion Area from the Tampella Power Corporation lease.

6. Except as expressly modified herein, the Lease Agreement shall remain in full
   force and effect and, as hereby modified, is expressly ratified and confirmed
   by the parties hereto.  This Amendment shall be binding upon and shall inure
   to the benefit of Lessor and Lessee and their representatives, permitted
   legal representatives, successors and assigns.

IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be signed
and their respective seals to be affixed as of the date and year first above
written.

"LESSOR"

WILDWOOD ASSOCIATES,
a Georgia general partnership

By:  Cousins Properties Incorporated
     Managing General Partner

By:  /s/ Jack A. LaHue
     -----------------
Its:     Vice President
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     [CORPORATE SEAL]



                      [Signatures continued on next page]

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                   [Signatures continued from previous page]


"LESSEE"

FINANCIAL SERVICE CORPORATION

By:  /s/ Barry F. Kane
     -----------------

Its:     Senior Vice President
     -------------------------

        [CORPORATE SEAL]

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                           [FLOOR PLAN APPEARS HERE]

Exhibit B-6 (Attachment to the Sixth Amendment to the Lease Agreement)
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Floor plan drawing for additional 13,191 square feet of Rentable Floor Area
being leased by Lessee on the (eleventh) 11th floor of the Building.

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