EXHIBIT 10.10

                              CONSULTING AGREEMENT


     This Consulting Agreement (the "Agreement") is entered into this 31st day
of December, 2001, by and between Peachtree Capital Corporation, Inc. (the
"Company"), Harless & Associates ("H&A"), and Caroline O. Harless (the
"Consultant").

     WHEREAS, the Company desires to engage the H&A to perform services and
duties for the Company subject to the terms and conditions set forth in this
Agreement;

     WHEREAS, as a condition to the execution of that certain Stock Purchase
Agreement dated December 27, 2001 (the "Purchase Agreement") among ebank.com,
Inc. (the "Parent"), the Company, and Caroline O. Harless and Steven Harless,
individual residents of the State of Georgia (the "Shareholders" or each a
"Shareholder"), both of whom are also principals of H&A, the parties thereto
agreed to be bound by this Agreement and the covenants contained herein;

     WHEREAS, the Caroline O. Harless was a founder and is currently the
President of the Company and has extensive knowledge of, and is thoroughly
familiar with, all aspects of the business affairs, finances, management,
marketing, programs, business plans, strategies, customers, and methods of
operation of the Company;

     WHEREAS, Steven Harless was a founder and has provided financial and
accounting services for the Company through his various business ventures;

     WHEREAS, the covenants contained in this Agreement were necessary to induce
the Parent to purchase the Company from the Shareholders in a sale of business
transaction;

     NOW, THEREFORE, in consideration of the Parent executing the Purchase
Agreement and the Company's agreement to engage and to continue to engage H&A,
and for other good and valuable consideration, the receipt and sufficiency of
which are hereby acknowledged, the parties agree as follows:

1.   DEFINITIONS AND RECITALS. The provisions recited above are incorporated
     into this Agreement as are any definitions used above. Capitalized terms
     used but not otherwise defined herein shall have the meanings ascribed to
     them in the Purchase Agreement.

2.   TERM OF AGREEMENT. This Agreement shall be for a two year term starting on
     the date this Agreement is executed and expiring on the second anniversary
     thereof.

3.   SERVICES TO BE PROVIDED BY H&A. H&A will cause the Consultant, a principal
     of H&A, to continue to serve as the President of the Company, providing all
     functions and services that she formerly provided as President of the
     Company before the execution of the Purchase Agreement. The services which
     the Consultant will provide include, but are not limited to, those services
     listed in Article 10 of the Purchase Agreement.

4.   COMPENSATION OF H&A. For the services to be provided by H&A under this
     Agreement, the Company will provide the following compensation to H&A: 30%
     of the Consultant's gross production for customers existing on the date the
     Purchase Agreement was signed and 45% of the Consultant's gross production
     for customers added after the date of the Purchase Agreement. However, if
     at December 31 of each year under the term of this Agreement, H&A's
     compensation under these terms is less than $125,000, excluding any bonuses
     pursuant to the following section, the Company will make a payment to H&A
     that will increase H&A's compensation for the year to $125,000.

5.   BONUSES FOR H&A. If Revenues exceed $800,000 during the first year of this
     Agreement, the Company will make a bonus payment to H&A in the amount of
     $25,000. If Revenues exceed


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     $900,000 during the second year of-this Agreement, the Company will make a
     bonus payment to H&A in the amount of $50,000. "Revenue" under this section
     is the same as used to compute the preferred stock revenue target as laid
     out in the Series B-1 and Series B-2 preferred stock designations, attached
     as exhibits to the Purchase Agreement and incorporated herein by reference.

6.   TERMINATION BY THE COMPANY. The Company may terminate this Agreement: (1)
     upon the death of the Consultant; (2) upon the disability of the
     Consultant; (3) upon determination of cause; or (4) without cause. For the
     purposes of this Agreement, "for cause" will constitute unethical behavior,
     illegal behavior, and dereliction of duty, and the actions of the
     Consultant shall constitute the actions of H&A. If the company terminates
     H&A without cause, H&A will receive a monthly severance compensation of
     $10,416.67 per month through the remainder of the two year term of this
     agreement. In addition, if the Company terminates H&A without cause, or
     because of the death or disability of the Consultant, then all shares of
     preferred stock owned by Steven and Caroline Harless for which the
     respective revenue measuring years have not been completed will be treated
     as if the relevant "Revenue Targets" described in the respective preferred
     stock designations have been fully satisfied. The Company will take all
     necessary steps, including amending the preferred stock designations, if
     necessary, to accomplish these terms. In addition, if Edmond Harless'
     employment with the Company is terminated without cause before the end of
     the terms of his employment agreement, the shares of preferred stock owned
     by Steven and Caroline Harless, for which the respective revenue measuring
     years have not been completed, will be treated as if the "Revenue Targets"
     have been met as described above in this paragraph.

7.   OVERHEAD INSURANCE. If this Agreement is terminated because of the
     disability of the Consultant as described in the termination section above,
     then H&A shall be entitled to any disability benefits payable under the
     Company's Unum (Paul Revere Life Insurance) overhead policy # 010283495103
     covering the Consultant for a period not to exceed the initial term of this
     Agreement. The Company agrees to maintain such policy, including any policy
     premium payments not to exceed $250 per month, through the term of the
     Agreement.

8.   TERM LIFE INSURANCE. If this Agreement is terminated because of the death
     of the Consultant as described in the information section above, then H&A
     shall be entitled received life insurance benefits payable under the
     Company's term life insurance policy covering the Consultant. The amount of
     this life insurance shall be $250,000 for the first year following the
     closing of the stock purchase and $125,000 for the second year following
     the stock purchase. The Company agrees to maintain such policy, including
     any policy premium payments through the initial term of this Agreement.

9.   RIGHTS TO WORK PRODUCT. Except as expressly provided in this Agreement, the
     Company shall be entitled to all benefits, profits and results arising from
     or incidental to H&A's performance. To the greatest extent possible, any
     work product, property, data, documentation or information or materials
     prepared, conceived, discovered, developed or created by the Consultant in
     connection with performing any of the Consultant's responsibilities ("Work
     Product") shall be deemed to be "work made for hire" as defined in the
     Copyright Act, 17 U.S.C.A. Sec. 101 et seq., as amended, and owned
     exclusively and perpetually by the Company. H&A and the Consultant hereby
     unconditionally and irrevocably transfer and assign to the Company all
     intellectual property or other rights, title and interest either may
     currently have (or in the future may have) by operation of law or otherwise
     in or to any Work Product. H&A and the Consultant agree to execute and
     deliver to the Company any transfers, assignments, documents or other
     instruments which the Company may deem necessary or appropriate to vest
     complete and perpetual title and ownership of any Work Product and all
     associated rights exclusively in the Company. The Company shall have the
     right to adapt, change, revise, delete from, add to and/or rearrange the
     Work Product or any part thereof written or created by the Consultant, and
     to combine the same with other works to any extent, and to change or
     substitute the title thereof, and with regard to the Work Product, H&A


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     and the Consultant hereby waive the "moral rights" of authors as that term
     is commonly understood throughout the world including, without limitation,
     any similar rights or principles of law which H&A or the Consultant may now
     or later have by virtue of the law of any locality, state, nation, treaty,
     convention or other source. Unless otherwise specifically agreed, H&A and
     the Consultant shall not be entitled to any compensation in addition to the
     compensation otherwise provided in this Agreement for any exercise by the
     Company of its rights set forth in the preceding sentence.

10.  COVENANT NOT TO DISCLOSE TRADE SECRETS AND CONFIDENTIAL INFORMATION. During
     H&A's engagement, the Consultant will be exposed to "Trade Secrets" and
     "Confidential Information" (as those terms are defined in the next
     sentences). "Trade Secrets" shall mean information or data of or about the
     Company or any affiliated entity, including, but not limited to, technical
     or non-technical data, formulas, patterns, compilations, programs, devices,
     methods, techniques, drawings, processes, financial data, financial plans,
     product plans, or lists of actual or potential customers, clients,
     distributors, or licensees, that: (a) derive economic value, actual or
     potential, from not being generally known to, and not being readily
     ascertainable by proper means by, other persons who can obtain economic
     value from their disclosure or use; and (b) are the subject of efforts that
     are reasonable under the circumstances to maintain their secrecy. To the
     extent that the foregoing definition is inconsistent with a definition of
     "trade secret" mandated under applicable law, the latter definition shall
     govern for purposes of interpreting H&A's and the Consultant's obligations
     under this Agreement. "Confidential Information" shall mean valuable,
     non-public, competitively sensitive data and information relating to the
     business of the Company or any affiliated entity, other than Trade Secrets.
     H&A and the Consultant acknowledge and agree that any unauthorized
     disclosure or use of any of the Trade Secrets or Confidential Information
     would be wrongful and would likely result in immediate and irreparable
     injury to the Company. Except as required to perform the Consultant's
     duties or except with the Company's prior written permission, H&A and the
     Consultant shall not, without the express prior written consent of the
     Company, redistribute, market, publish, disclose or divulge to any other
     person or entity, or use or modify for use, directly or indirectly in any
     way for any person or entity: (a) any Trade Secrets at any time during
     which such information or data shall continue to constitute a "trade
     secret" under applicable law; and (b) any Confidential Information during
     H&A's engagement with the Company and for a period of twenty-four (24)
     months after termination. H&A and the Consultant agree to cooperate with
     any reasonable confidentiality requirements of the Company made known to
     H&A or the Consultant by the Company. H&A and the Consultant shall
     immediately notify the Company of any unauthorized disclosure or use of any
     Trade Secrets or Confidential Information of which either the Consultant or
     H&A becomes aware.

11.  RETURN OF MATERIALS. At any point during the H&A's engagement, at the
     specific request of the Company, or, in any event, as promptly as
     practicable after the H&A's services have been terminated, H&A and the
     Consultant will return to the Company all Work Product (including any
     copies or reproductions thereof and any materials constituting or
     containing Trade Secrets or Confidential Information of the Company) that
     are in H&A's or the Consultant's possession or control.

12.  COVENANTS ARE INDEPENDENT. The covenants on the part of the H&A and the
     Consultant contained in the paragraphs in this Agreement shall each be
     construed as agreements independent of each other and of any other
     provision in this Agreement and the unenforceability of one shall not
     effect the remaining covenants.

13.  REMEDIES FOR BREACH. H&A and the Consultant acknowledge and agree that
     great loss and irreparable damage would be suffered by the Company if the
     either H&A or Consultant should breach or violate any of the covenants and
     agreements set forth in the paragraphs of this Agreement. H&A and the
     Consultant further acknowledge and agree that each of these covenants and
     agreements is reasonably necessary to protect and preserve the interests of
     the Company. The parties agree that money damages for any breach of these
     covenants and agreements will be insufficient to compensate for any
     breaches thereof, and that H&A and the


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     Consultant will, to the extent permitted by law, waive in any proceeding
     initiated to enforce such provisions any claim or defense that an adequate
     remedy at law exists. The existence of any claim, demand, action, or cause
     of action against the Company shall not constitute a defense to the
     enforcement by the Company of any of the covenants or agreements in this
     Agreement.

14.  COVENANTS ARE REASONABLE. H&A and the Consultant acknowledge and agree
     that: (a) H&A and the Consultant have received good, adequate and valuable
     consideration for each of the covenants contained in this Agreement; and
     (b) each of these covenants is reasonable and necessary to protect and
     preserve the interests and properties of the Company. H&A and the
     Consultant also acknowledge and agree that: (a) irreparable loss and damage
     will be suffered by the Company should H&A or the Consultant breach any of
     these covenants and agreements; (b) each of these covenants and agreements
     is separate, distinct and severable from the remaining provisions of this
     Agreement; and (c) the unenforceability of any covenants or agreements
     shall not affect the validity or enforceability of any other provision or
     provisions of this Agreement. H&A and the Consultant acknowledge and agree
     that if any of these provisions shall ever be deemed to exceed the time,
     activity, or geographic limitations permitted by applicable law, then such
     provisions shall be and hereby are reformed to the maximum time, activity,
     or geographical limitations permitted by applicable law. This Agreement is
     made ancillary to the sale of the business described in the Purchase
     Agreement.

15.  RENEWAL. The parties agree that they will enter into an at-will employment
     or consulting agreement at the expiration of the two year term of this
     Agreement, which will permit the Shareholders to continue as registered
     representatives of the Company in its main office, or in a branch office,
     or other location of the Shareholder's choice. If the Shareholders relocate
     to a location other than the Company's main office, the Company shall not
     be obligated to incur additional office expenses to support such alternate
     location. Compensation will be based purely on commission as determined by
     the then standard compensation grid of the Company's other employees. Any
     new employment arrangement will include appropriate restrictive covenants
     that will protect the Company's interest in its customers and employees.
     These restrictive covenants will include non-compete and non-solicitation
     provisions carrying a two year term from the date of termination of that
     agreement.

16.  GOVERNING LAW. This Agreement shall be interpreted, construed, and governed
     according to the laws of the State of Georgia.

17.  AMENDMENTS. No amendments or variation of the terms or conditions of this
     Agreement shall be valid unless agreed to in writing and signed by the
     parties.

18.  NON-ASSIGNABILITY. H&A's and the Consultant's rights and obligations under
     this Agreement are personal and not assignable. The rights and obligations
     of the Company hereunder shall inure to the benefit of and be binding upon
     the successors and assigns of the Company.

19.  ENTIRE AGREEMENT. This Agreement constitutes the entire agreement of the
     parties and shall bind and inure to the benefit of the Company, H&A, and
     the Consultant and their respective successors, heirs, assigns and legal
     representatives.

20.  WAIVER. No waiver of a breach of any provision of this Agreement shall be
     construed to be a waiver of any breach of any other provision. No delay
     with regard to enforcement of any breach of any provision of this Agreement
     shall be construed to be a waiver of such breach.

21.  NON-DISPARAGEMENT. H&A and the Consultant warrant and agree that neither
     H&A nor the Consultant shall, during or after H&A's engagement with the
     Company, disparage the Company or its owners, officers, directors,
     shareholders, employees, agents, or its business, products, policies,
     practices or services, in any way whatsoever.


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WITNESSES:                         HARLESS & ASSOCIATES

                                   By:  /s/ Steven Harless
--------------------------------       -------------------------------
                                        Steven Harless
                                   Its: Principal
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                                   PEACHTREE CAPITAL CORP.

                                   By:  /s/ James L. Box
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                                        James L. Box
                                        Chairman, Board of Directors
--------------------------------

                                   CONSULTANT

                                        /s/ Caroline O. Harless
--------------------------------       -------------------------------
                                        Caroline O. Harless

--------------------------------


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