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                                                                    EXHIBIT 10.3




                          LISTING AGREEMENT OF PROPERTY
                              FOR LEASE AND/OR SALE

THIS LISTING AGREEMENT OF PROPERTY FOR LEASE AND OR SALE IS MADE THIS 1ST DAY OF
SEPTEMBER,1997 BY AND BETWEEN TRIBEK PROPERTIES, INC. ("LISTING AGENCY") AND
YAGER/KUESTER PUBLIC FUND OF 770 PELHAM ROAD, GREENVILLE, SOUTH CAROLINA
("SELLER/LANDLORD").

         In consideration of Listing Agency's agreement to list the following
described property, hereinafter known as "Property" for Lease and/or Sale and to
use its efforts to find a Buyer/Tenant, the undersigned Seller/Landlord agrees
with the Listing Agency as follows:

1. EXCLUSIVE RIGHT TO LEASE OR SELL. For a period beginning September 15,1997
and extending until midnight on September 15,1998, Listing Agency shall have the
exclusive right to (X) Lease and/or (X) Sell the Property as agent
of Seller/Landlord at the price and on the terms set forth below, or upon such
other terms as may be agreed upon in writing by Seller/Landlord with any
Buyer/Tenant. NOTWITHSTANDING THE FOREGOING, LISTING AGENCY SHALL, HOWEVER, ONLY
HAVE THE EXCLUSIVE RIGHT TO LEASE THE PROPERTY UNTIL SUCH TIME AS THE PROPERTY
IS SUBSTANTIALLY LEASED TO THE SELLER/LANDLORD'S SATISFACTION. AT SUCH TIME,
LISTING AGENCY SHALL HAVE THE EXCLUSIVE RIGHT TO SELL THE PROPERTY AS DESCRIBED
ABOVE. IF THE ABOVE LISTING PERIOD HAS LESS THAN SIX (6) MONTHS REMAINING ON THE
DATE THAT THE LISTING AGENCY INITIATES THE SALE OF THE PROPERTY, SELLER/LANDLORD
AGREES TO EXTEND THE LISTING PERIOD TO A FULL SIX (6) MONTHS FROM SAID DATE.

2. BROKER COOPERATION/AGENCY RELATIONSHIPS. Listing Agency has advised
Seller/Landlord of Listing Agency's general company policy regarding cooperation
with Subagents, Buyer/Tenant's Agents or Dual Agents. Seller/Landlord has read
the disclosure regarding real estate agency relationships contained herein, and
agrees to authorize the Listing Agency to compensate (subject to paragraphs 7.c.
(iv) and 7.c. (v) and cooperate with the following: (CHECK ALL APPLICABLE
AGENCIES)

          XX   Subagents representing only the Seller/Landlord

          XX   Buyer/Tenant Agents representing only the Buyer/Tenant

          XX   Seller/Landlord authorizes Listing Agency to act as a Dual Agent
               representing both the Seller/Landlord and the Buyer/Tenant in 
               the same transaction.
               (When Dual Agency occurs, a separate agreement will be executed.)

Listing Agency agrees to inquire of all agents at the time of initial contact as
to their agency status. A written disclosure of agency shall be provided to
Seller/Landlord in connection with the presentation of any contract pursuant to
the Listing Agreement.

3.       PROPERTY: (ADDRESS)     770 Pelham Road, Greenville, South Carolina
                            ----------------------------------------------------
         (Legal description/Description)             +/- 39,138
                                            ------------------------------------

         ____  See attached Exhibit A for legal
               description/description of premises.

4.       LISTING GUIDELINES:

                  SALE                                          LEASE

Sales Price     To Be Determined                     Rental:    To Be Determined



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Seller Financing Terms____________________        ______________________________

__________________________________________        Taxes Paid By     Landlord

__________________________________________        Insurance Paid By   Landlord

Possession Delivered _____________________        Utilities Paid By     Landlord

                                                  Maintenance Paid By   Landlord

                                                  Possession Delivered__________

Other Terms:______________________________        ______________________________

__________________________________________        ______________________________

__________________________________________        ______________________________

         SIGNS: You ___ may XX may not place a sign on the Property.
Seller/Landlord agrees to remove all other signs.

         ADVERTISING: You XX may ___ may not advertise the Property.

         DATA BASE LISTING: This listing may be XX may not be ____ entered in
available database listings.

         MARKETING EXPENSE: In the event that the Property does not sell during
the terms of this Agreement, Seller/Landlord shall nonetheless be obligated to
reimburse Listing Agency for actual expenses incurred in marketing the Property
for sale up to the amount of $ 2,000.00.

5. SPECIAL PROVISIONS (AN ADDENDUM IF ATTACHED, IS INCORPORATED HEREIN BY
   REFERENCE):

         Listing Agency's exclusive right to lease shall only apply to lease
         negotiations with United Healthcare as a tenant of 770 Pelham Road.

         Sale of UCB Building to BB&T by YKPF is excluded from this Agreement.



<PAGE>   3



6. COOPERATION WITH LISTING AGENCY:

     A. EXCLUSIVE RIGHTS: Seller/Landlord agrees to cooperate with Listing
Agency (or agents acting for or through it) to facilitate the sale of the
Property. The Property may be shown only by appointment made by or through
Listing Agency. Seller/Landlord shall refer to Listing Agency all inquires or
offers it may receive regarding this Property. Seller/Landlord agrees to
cooperate with Listing Agency in bringing about a sublease, lease or sale of the
Property, to furnish Listing Agency with a copy of any lease or master lease
affecting the Property and to immediately refer to Listing Agency all inquires
by anyone interested in the Property. All negotiations shall be conducted
through Listing Agency. Listing Agency shall be identified as the contact firm
with all state and local economic development agencies being notified of the
Property's availability.

     B. SERVICES: No management services, repair services, collection services,
notices, legal services or tax services shall be provided by the Listing Agency.
In the event the Listing Agency does procure any of the services at the request
of the Seller/Landlord, it is understood and agreed that Listing Agency shall
only be acting in the capacity of procurer for the Seller/Landlord and shall
accrue no liability or responsibility in connection with any services so
obtained on behalf of Seller/Landlord. This exclusion of liability and
responsibility shall not apply in the event that Listing Agency directly
contracts with Seller/Landlord to provide any such service.

     C. LATER LEASE OR SALE TO PROSPECT: If within (90) days after the
expiration of the exclusive listing period Seller/Landlord shall directly or
indirectly lease or agree to lease or sell or agree to sell the Property to a
party to whom Listing Agency (or any other agent acting for or through Listing
Agency) has communicated concerning the Property during this exclusive listing
period, Seller/Landlord shall pay Listing Agency the same commission to which it
would have been entitled had the sale or lease been made during the exclusive
period; provided, that names of prospects are delivered or postmarked to the
Seller/Landlord within ten (10) days after the expiration of the exclusive
listing period. In the event the subject Property is exclusively listed for
lease or sale with another agency after the expiration of this agreement and a
registered prospect leases, options or contracts to purchase the Property within
(90) days of the expiration of this agreement, then the Seller/Landlord shall
pay to the Listing Agency 100 % of the commission provided for in Paragraph 7
below.

7. COMMISSIONS: The amount, format or rate of real estate commission is not
fixed by law. Commissions are set by each broker individually and may be
negotiable between principal and broker.

     A.  SALES COMMISSIONS:

         (i) Listing Agency's commission shall be calculated according to the
schedule in Paragraph 7.a.(ii). Commissions shall be paid in cash or bank check.
Gross sales price shall include any and all consideration received or
receivable, in whatever form, including but not limited to the assumption or
release of existing liabilities. The commission shall be paid upon delivery of
the deed or other evidence of transfer of title or interest; provided, however,
if the transaction involves an installment contract, then payment shall be made
upon the signing of such installment contract. In the event of any breach by
Seller/Landlord, his successors or assigns, of any contract of purchase and
sale, it is understood and agreed that the commission shall remain earned and
payable upon notice given by Seller/Landlord to purchaser of his intent not to
proceed with such sale, notwithstanding the basis of such intent not to proceed.
In the event Seller/Landlord contributes or conveys the Property or any interest
therein to a joint venture, partnership or other business entity or executes an
exchange, the commission shall be calculated on the fair market value of the
Property or interest therein contributed, conveyed, transferred or exchanged and
shall be payable at the time of the contribution, conveyance, transfer or
exchange. If Seller/Landlord is a partnership, corporation or other business
entity, and an interest in the partnership, corporation or other business entity
is transferred, whether by merger, outright purchase, or otherwise, in lieu of a
sale of the Property, and applicable law does not prohibit the payment of a
commission in connection with such sale or transfer, the commission shall be
calculated on the fair market value of the Property, rather than the gross sales
price, multiplied by the percentage of interest so transferred, and shall be
paid at the time of the transfer.

         (ii) Schedule Of Commissions (complete each option which might apply):

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                  (1) OUTRIGHT SALE OF PROPERTY (INCLUDING PERSONAL PROPERTY):
5% of the gross sales price of real property, plus N/A of the gross sales price
of personal property, OR 4% OF THE GROSS SALES PRICE OF THE PROPERTY, IF LISTING
AGENCY DIRECTLY PROCURES A BUYER WITH NO OTHER CO-BROKER INVOLVED.

                  (2) OUTRIGHT SALE OF LAND OR LAND WITH A BUILD TO SUIT SALE
CONTRACT: N/A % of the listed price of the land, plus N/A% of the gross cost of
the improvements provided to the Property upon issuance of the occupancy permit
or the completion of the improvements agreed prior to, during or within one (1)
year of the construction phase of the project.

                  (3) GROUND LEASE WITH A BUILD TO SUIT, PURCHASE OF
IMPROVEMENTS: N/A% of the gross ground rents over the life of the lease, plus
N/A% of the gross cost of the improvements provided to the Property upon
issuance of the occupancy permit or the completion of the improvements as agreed
prior to, during, or within one (1) year of the construction phase of the
project.

                  (4) PURCHASE OPTIONS AS PART OF A LEASE: 5% of the gross sales
rice stated in the option or as later agreed upon by all parties. Lump sum lease
commissions paid on the initial lease term shall be pro-rated as of the date of
closing and deducted from commission due on the exercise of the purchase option.

                  (5) EXCHANGES: 100% of the market value of the listed property
being exchanged by the Seller/Landlord. Listing Agency is also entitled to a 5%
commission on the market value of the exchange property used to effect the
exchange if he played any role in acquiring, locating or identifying the
exchange property or suggested and facilitated the use of the exchange mechanism
for the transaction.

         (iii) Options/earnest Money: N/A% of any fees or earnest money shall be
paid to Listing Agency at the time such monies are paid to Seller; should there
be a forfeiture of option fees or earnest money, Listing Agency shall be
entitled to N/A% of same; said amounts to be applied to commissions payable
pursuant to paragraph 7.a.(ii) above; provided, Listing Agency shall not be
paid, on account of this provision, an amount in excess of its entitlement
pursuant to paragraph 7.a.(ii) above.

     b.    Lease Or Sublease Commissions:

         (i) Commissions shall be earned on execution of a lease by
Seller/Landlord and a Buyer/Tenant in accordance with the following rates (all
commissions and fees paid as a result of a lease or sublease being executed
shall be leasing fees only):

                    (complete each option which might apply)

                  (1) 6% of the total base rental (including common area fees)
for the first sixty (60) months in which rent is to be paid, plus N/A% of the
total base rental (including common area fees) for the remainder of the term,
payable in full upon execution of a lease by Seller/Landlord and Buyer/Tenant;
or 4% of the total base rental for the first sixty (60) months in which rent is
to be paid, provided no other broker is involved in the transaction.



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     c.  General Commissions Provisions:

         (i) Options(s) or Right(s) of First Refusal to Renew, Extend Lease or
Occupy Additional Space: If a Lease for which a commission is payable hereunder
contains option(s) or right(s) of first refusal to renew or extend, and lease
term(s) is renewed or extended, whether strictly in accordance with the terms of
such option(s) or right(s) of firsts refusal to expand, and a Buyer/Tenant
occupies additional space, whether strictly in accordance with the terms of such
option(s) or right(s) or otherwise, then Seller/Landlord shall pay a commission
in accordance with Paragraph 7b.(i) on the additional base rental to be paid,
calculated at the commission rate applicable hereunder to the years of the lease
in which the additional base rental is payable. Said commission shall be earned
at the time the extended term commences or the additional space is occupied, as
applicable.

         (ii) Purchase of Property by Tenant: If a Buyer/Tenant under a lease
for which a commission is payable hereunder, its successors or assigns, or any
agent, officer, employee or shareholder of a Buyer/Tenant purchases the
Property, whether strictly in accordance with the terms of any option, right of
first refusal, similar right or otherwise during (a) the term of the lease, (b)
any extension thereof, or (c) within 180 days after the expiration thereof, then
a sales commission shall be calculated and paid in accordance with the
provisions of Paragraph 7a.

         (iii) Percentage Rent: If a lease for which a commission is payable
hereunder contains a percentage rent clause, Seller/Landlord shall pay a
commission on the percentage rent payable by the Buyer/Tenant at the commission
rate applicable to the period of the lease term for which the percentage rent is
payable. This commission shall be payable within fifteen (15) days after receipt
of Buyer/Tenant payment.

         (iv) Listing Agency shall not be required to compensate or pay any
commission to, either directly or indirectly, a Buyer/Tenant (or principal,
officer, director, partner, member or substantial shareholder thereof) who seeks
to be compensated or paid a commission in connection with any transaction with
Seller/Landlord pursuant to this agreement.

         (v) If Listing Agency shall have worked directly with a Buyer/Tenant in
connection with the Property, either as a client or a customer, and such
relationship is evidenced in writing (either by an Agency Disclosure -CRCBR Form
#100 or substantially similar registration document) then Listing Agency shall
not be permitted to compensate or pay any commission to another real estate
agent (not associated with Listing Agency) in connection with any transaction
pursuant to this agreement, which transaction involves said Buyer/Tenant so
registered.

         (vi) In the event Seller/Landlord fails to make payments within the
time limits set forth herein, then the delinquent amount shall bear interest
from the date due until the paid at the maximum rate permitted in the state in
which the office of the Listing Agency is located. If Listing Agency is required
to institute legal action (including arbitration) against Seller/Landlord
relating to this or any agreement of which it is a part, Listing Agency shall be
entitled to reasonable attorney's fees and costs.

         (vii) In the event Seller/Landlord sells or otherwise disposes of its
interests in the Property, Seller/Landlord shall remain liable payment of
commissions provided for in this any other agreement of which it is a part,
including, without limitation, the commission obligations set forth in Paragraph
7a or 7b unless the purchaser or transferee assumes all of such obligations in
writing and Listing Agency agrees in writing to such Assumption.

         (viii) The term "Seller/Landlord" as used herein shall be deemed to
include, but not be limited to, the owner of the Property, a party under
contract to acquire the Property, a Buyer/Tenant under a ground lease and a
Buyer/Tenant of the Property wishing to effect a sublease, lease assignment, or
lease cancellation. The term "Buyer/Tenant" as used herein shall be deemed to
include, but not to be limited to any subtenant, or assignee of a Buyer/Tenant,
and the term "lease" shall be deemed to include but not be limited to a sublease
or lease assignment.

8. REPRESENTATIONS: Seller/Landlord represents and warrants to Listing Agency
that it has the right to offer the Property for sale and further represents and
warrants that it has the right and authority to execute and deliver such
instruments as may be necessary to effectuate any transaction contemplated
hereby.

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9. ENVIRONMENTAL MATTERS: Seller/Landlord, directly or through whom a claim may
be made by any other party or parties against the Listing Agency shall
indemnify, defend and hold harmless the Listing Agency, its agents and employees
from any loss, liability, damage, cost or expense, including without limitation,
reasonable legal, accounting, consulting, engineering, court costs and other
expenses related to the presence of storage tanks or the presence or release of
hazardous substances, which are defined as those substances, materials, and
wastes, including but not limited to, those substances, materials and wastes
listed in the United States Department of Transportation Hazardous Materials
Table (490 CFR 172.101) or by the Environmental Protection Agency as hazardous
substances (40 CFR Part 302) and amendments thereto, or such substances,
materials and wastes or substance which are or become regulated under any
applicable local, state or federal, including, without limitation, any material,
waste or substance which is (i) petroleum, (ii) asbestos, (iii) polychlorinated
biphenyl, (iv) designated as a "hazardous substance" pursuant to Section 311 of
the Clean Water Act, 33 U.S.C. Sec.1251, et seq, (33 U.S.C. Sec. 1321) or listed
pursuant to Section 307 of the Clean Water Act (33 U.S.C. Sec. 1317), (v)
defined as a "hazardous waste" pursuant to Section 1004 of the Resource
Conservation and Recovery Act, 42 U.S.C. Sec. 6901, et seq., (42 U.S.C. Sec.
6903) or (vi) defined as a "hazardous substance" pursuant to Section 101 of the
Comprehensive Environmental Response, Compensation, and Liability Act, 42 U.S.C.
Sec.9601, et seq., (42 U.S.C. Sec. 9601).

10. BANKRUPTCY: In the event that the Property comes under the jurisdiction of a
bankruptcy court, Seller/Landlord shall immediately notify the Listing Agency of
the same and, if Seller/Landlord is the subject of bankruptcy, shall promptly
take all steps necessary to obtain court approval of Listing Agency's
appointment to sell the Property, unless Listing Agency shall elect to terminate
this Agreement upon said notice.

11. INDEMNIFICATION: Seller/Landlord represents and warrants that the
information set forth herein and any other information as may be furnished by
the Seller/Landlord is correct to the best of Seller/Landlord's knowledge;
Listing Agency shall have no obligation or responsibility for checking or
verifying any such information. Further, Seller/Landlord agrees to indemnify
Listing Agency for any and all loss or damage sustained by Listing Agency as a
result of Listing Agency's or Seller/Landlord's furnishing such information to a
buyer or anyone else.

12. LEASE/SALE PROTECTION PROVISION: In the event that the Property is leased or
sold during the term hereof, and this agreement does not specify the amount of
such lease or sale (those commission provisions are not filled in), it is
acknowledged that a commission shall be nonetheless earned upon execution of
such lease or sale agreement and payable in accordance with the terms of this
agreement. The parties agree to act in good faith in determining that the
commission is an amount reasonable in this area for the particular type of
property in question.

13. PARTIES AND BENEFIT: This agreement shall be binding upon and inure to the
benefit of the parties, their heirs, successors and assigns and their personal
representatives. Each signatory to this agreement represents and warrants that
he or she has full authority to sign this agreement on behalf of the party for
whom he or she signs and that this agreement binds such party. This agreement
contains the entire agreement of the parties and may not be modified except in a
writing signed by all of the parties hereto.

14. THE BROKER SHALL CONDUCT ALL HIS BROKERAGE ACTIVITIES IN REGARD TO THIS
AGREEMENT WITHOUT RESPECT TO THE RACE, COLOR, RELIGION, SEX, NATIONAL ORIGIN,
HANDICAP OR FAMILIAL STATUS OF ANY BUYER OR PROSPECTIVE BUYER, SELLER OR
PROSPECTIVE SELLER, BUYER OR PROSPECTIVE BUYER, SELLER OR PROSPECTIVE SELLER.


THIS DOCUMENT IS A LEGAL DOCUMENT. EXECUTION OF THIS DOCUMENT HAS LEGAL
CONSEQUENCES THAT COULD BE ENFORCEABLE IN A COURT OF LAW. THE CHARLOTTE REGION
COMMERCIAL BOARD OF REALTORS (MAKES NO REPRESENTATIONS CONCERNING THE LEGAL
SUFFICIENCY, LEGAL EFFECT OR TAX CONSEQUENCES OF THIS DOCUMENT OR THE
TRANSACTION TO WHICH IT RELATES AND RECOMMENDS THAT YOU CONSULT YOUR ATTORNEY.


<PAGE>   7

LISTING AGENCY:                 Tribek Properties, Inc.
                                -----------------------
                                    (Name of Firm)

                                By: /s/ Gary K. Chesson      (SEAL)
                                    -------------------------------

SELLER/LANDLORD:
Individual:                        Business Entity:

                      (SEAL)       Yager/Kuester Public Fund Limited Partnership
----------------------             ---------------------------------------------
                                                  (Name of Firm)

                      (SEAL)       By: /s/ Faison S. Kuester, Jr.   (SEAL)
----------------------                 -----------------------------------
                                   Title:   General Partner



                  DESCRIPTION OF AGENT DUTIES AND RELATIONSHIPS

Before you begin working with any real estate agent, you should know who the
agent represents in the transaction. Every listing agreement, buyer agency
agreement or other agreement for brokerage services in a real estate sales
transaction in North Carolina must contain this "Description of Agent Duties and
Relationships" [N.C. Real Estate Commission Rule 21 NCAC 58A,0104(c), eff.
7/1/95]. Real estate agents should carefully review this information with you
prior to entering into any agency agreement.

                                 AGENTS' DUTIES
When you contract with a real estate firm to act as your agent in a real estate
transaction, the agent must help you obtain the best price and terms possible,
whether you are the buyer or seller. The agent owes you the duty to:

--------------------------------------------------------------------------------
              *Safeguard and account for any money handled for you
            *Be loyal and follow reasonable and lawful instructions
                 *Act with reasonable skill, care and diligence
                     *Disclose to you any information which
                  might influence your decision to buy or sell
--------------------------------------------------------------------------------

Even if the agent does not represent you, the agent must still be fair and
honest and disclose to you all "material facts" which the agent knows or
reasonably should know. A fact is "material" if it relates to defects or other
conditions affecting the property, or if it may influence your decision to buy
or sell. This does not require a seller's agent to disclose to the buyer the
minimum amount the seller will accept, nor does it require a buyer's agent to
disclose to the seller the maximum price the buyer will pay.

                           AGENTS WORKING WITH SELLERS
A seller can enter into a "listing agreement" with a real estate firm
authorizing the firm and its agent(s) to represent the seller in finding a buyer
for his property. This listing agreement should state what the seller will pay
the listing firm for its services, and it may require the seller to pay the firm
no matter who finds the buyer.

The listing firm may belong to a listing service to expose the seller's property
to other agents who are members of the service. Some of those agents may be
working for other buyers as buyers' agents; others will be working with buyers
but still representing the sellers' interests as an agent or "subagent". When
the buyer's agents and seller's subagents desire to share in the commission the
seller pays to the listing firm, the listing agent may share the commission with
the seller's permission.

                           AGENTS WORKING WITH BUYERS


<PAGE>   8

A buyer may contract with an agent or firm to represent him (as a buyer's
agent), or may work with an agent or firm that represents the seller (as a
SELLER'S AGENT or SUBAGENT). All parties in the transaction should find out at
the beginning who the agent working with the buyer represents.

If a buyer wants a buyer's agent to represent him in purchasing a property, the
buyer should enter into a "buyer agency agreement" with the agent. The buyer
agency agreement should state how the buyer's agent will be paid. UNLESS SOME
OTHER ARRANGEMENT IS MADE WHICH IS SATISFACTORY TO THE PARTIES, THE BUYER'S
AGENT WILL BE PAID BY THE BUYER. Many buyer agency agreements will also obligate
the buyer to pay the buyer's agent no matter who finds the property that the
buyer purchases.

A buyer may decide to work with a firm that is acting as agent for the seller (a
SELLER'S AGENT or SUBAGENT). If a buyer does not enter into a buyer agency
agreement with the firm that show him properties, that firm and its agents will
show the buyer properties as an agent or subagent working on the seller's
behalf. Such a firm represents the seller (not the buyer) and must disclose that
fact to the buyer.

A seller's agent or subagent must still treat the buyer fairly and honestly and
disclose to the buyer all material facts which the agent knows or reasonably
should know. The seller's agent typically will be paid by the seller. IF THE
AGENT IS ACTING AS AGENT FOR THE SELLER, THE BUYER SHOULD BE CAREFUL NOT TO GIVE
THE AGENT ANY INFORMATION THAT THE BUYER DOES NOT WANT THE SELLER TO KNOW.

                                   DUAL AGENTS
A real estate agent or firm may represent more than one party in the same
transaction only with the knowledge and consent of all parties for whom the
agents acts. "Dual Agency" is most likely to occur when a buyer represented by a
buyer's agent wants to purchase a property listed by the agent's firm. A dual
agent must carefully explain to each party that the agent and the agent's firm
are also acting for the other party.

In any dual agency situation, the agent must obtain a written agreement from the
parties which fully describes the obligations of the agent and the agent's firm
to each of them.


--------------------------------------------------------------------------------
     This firm represents both sellers and buyers. This means that it is
possible that a buyer we represent will want to purchase a property owned by a
seller we represent. When that occurs, the agent and the firm listed above will
act as dual agents if all parties agree.