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                                                                   EXHIBIT 10.15
                                   [TSI LOGO]

                        GENERAL MARKETING AGENT AGREEMENT


TOWNE SERVICES, INC., a Georgia Corporation ("Servicer") and the undersigned
("Agent"), in consideration of their obligations in this Agreement and intending
to be legally bound, agree as follows:

1.       Definitions: For purposes of this Agreement:
         a)       "Customer" shall mean, a bank or holding company that meets
                  the qualifications and criteria applicable to such offering of
                  services by servicer for solicitation by Agent from time to
                  time. "Bank Marketing Agreement" shall mean the contract in
                  the form, and containing the terms and conditions (including
                  price and payment terms), established by Servicer from time to
                  time for the services provided to a "Customer".
         b)       "Territory" shall mean the states, countries, or locations
                  identified on Exhibit "A" hereto.
         c)       "Term" shall mean that period commencing on the date hereof
                  and lasting for a period of twelve complete months and any
                  subsequent twelve month renewal period.

2.       Appointment: Subject to the terms of this Agreement, Servicer engages
         Agent to solicit customers to enter into Bank Marketing Agreements with
         Servicer for its services. Agent may solicit customers only with
         respect to their proposed use of Towne Services, Inc. services in the
         Territory. Servicer reserves the right, to change the terms and
         conditions of its Bank Marketing Agreement at any time, and Servicer
         agrees to provide 30 days notice to Agent of any substantive changes.
         Agent acknowledges that this Agreement does not confer on Agent
         exclusive rights in any other territory. Agent represents and warrants
         to Servicer that it has the authority to enter into this Agreement and
         to perform its terms fully.

3.       Nature of Relationship: Agent shall be an independent contractor.
         Nothing in this Agreement shall be construed to create any other
         relationship. Agent is hereby advised that, as an independent
         contractor, it has certain responsibilities under the federal and state
         tax laws.

4.       Responsibilities of Agent: The duties of Agent shall be to:

         a)       Use its best efforts to solicit Customers to enter into Bank
                  Marketing Agreements;
         b)       Conduct its business so as to maintain and increase the
                  goodwill and reputation of Servicer;
         c)       Pay all expense incurred by Agent in the performance of its
                  duties under this Agreement, including (1) local and
                  long-distance transportation expenses: and (2) expenses in
                  connection with the solicitation of Customers and the
                  operation of Agent's business, including telephone, delivery,
                  entertainment, and promotional expenses; and
         d)       Use only promotional material mutually agreed upon for
                  purposed of promotion of the Servicer's business.

5.   Limits of Authority: Agent shall not, without prior written approval from
     an authorized representative of Servicer, take any of the following
     actions:

         a)       Incur any expense or obligation in the name of the Servicer;
         b)       Disseminate any printed material regarding the Licensed
                  Products or Servicer's business; or
         c)       Use Servicer's advertising and promotional guidelines.


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6.       Payment of Commissions: Agent shall be compensated by Servicer for its
         services solely on the basis of fees earned and collected on any Bank
         Marketing Agreements for Customers located within the Territory.
         Commissions shall be set forth in a Commission Schedule attached hereto
         as Exhibit "B". The payment of any commissions to Agent shall be
         subject to all of the terms and conditions of this Agreement.

7.       Statements: Servicer shall mail Agent a monthly statement showing fees
         earned. At no time shall Servicer be obligated to reimburse Agent for
         any expenses unless it agrees to do so in writing.

8.       Sales Support: Servicer shall provide sales support to agent including
         promotional materials and sales representative in Territory as
         reasonably required by agent.

9.       Voluntary Termination: Prior to completion of the initial Term or any
         renewal Term, either Servicer or Agent may terminate this agreement at
         any time without cause by giving the other party one hundred twenty
         days prior written notice. The payment of commissions shall continue
         through the term or any Bank Marketing Agreement entered into pursuant
         to this Agreement between Servicer and a Customer in the event of any
         termination other than involuntary termination by either party.

10.      Involuntary Termination: Either party may terminate this Agreement
         immediately, without notice to either party for just cause. A
         termination shall be deemed "for just cause" if the other party:

                  a)       Breaches any provision of this Agreement;
                  b)       Violates any law or regulation; or
                  c)       Commits any willful or dishonest act that could
                           injure the other party.

11.      Confidentiality: Agent acknowledges that Servicer has a proprietary
         interest in the association of its agents and personnel and the
         business of the customers with whom such agents and personnel interact.
         Accordingly, Agent shall provide Servicer with the full benefit of all
         work and contacts relevant to the business of Servicer throughout the
         term of this Agreement. Agent shall maintain in strict confidence, and
         shall not use or disclose except as required by law or legal process,
         and as required to perform its duties for Servicer, all Trade Secrets
         of Servicer. This obligation shall apply during and after the term of
         this Agreement for so long as the pertinent information or data remain
         Trade Secrets, and shall apply regardless of whether the Trade Secrets
         are in written or tangible form. For purposes of this Agreement, a
         Trade Secret is defined to consist of legally protected rights in
         confidential information. Without limiting the generality of the
         foregoing, Trade Secrets of Servicer include nonpublic information
         regarding the Servicer, account invoices, training and educational
         manuals, administrative manuals, and prospective customer leads
         developed by Servicer regardless of whether computer or electronically
         accessible "on-line". However, Trade Secrets do not include information
         Agent possesses or acquires independently of Agent's activities or
         duties as an agent of Servicer. The foregoing obligation shall continue
         to apply for two years after termination of this Agreement.

12.      Return of Materials: Upon the request of Servicer and , in any event,
         upon the termination of Agent's engagement, Agent shall deliver to
         Servicer all memoranda, notes, records, manuals, disks, or other
         documents and media pertaining to Servicer's business or Agent's
         activities or duties as a Servicer agent, including all copies,
         extracts, summaries, and analyses thereof. This obligation shall not
         apply to publicity distributed documentation, or internal business or
         personal records of Agent's own creation that do not contain Servicer
         Trade Secrets.


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13.      Remedies: In the event of any breach by either party identified in
         Section 10 of this Agreement, the resulting injuries to the other party
         would be difficult or impossible to estimate accurately, but it is
         certain that injury or damages will result to the business of the other
         party. Both parties agree that, in the event of any such breach, the
         non-breaching party shall be entitled, in addition to any available
         legal or equitable remedies or damages, to an injunction to restrain
         the violation or anticipated violation thereof. Should the
         non-breaching party have any basis to seek such legal or equitable
         action, the breaching party shall pay any and all attorney fees and
         court costs that the other party may incur. The non-breaching party's
         rights under this section shall be in addition to every other remedy
         (equitable, statutory, legal or contractual) to which the non-breaching
         party may be entitled.

14.      Miscellaneous: No assignment by Agent or Servicer of this Agreement or
         any commissions due hereunder shall be valid unless approved in advance
         by an authorized officer of Servicer or Agent, as the case may be. No
         modification or waiver of any provision of this Agreement shall be
         binding on Servicer unless made in writing and signed by an authorized
         officer of Servicer. This Agreement is governed by the laws of the
         State of Georgia as it applies to a contract executed, delivered, and
         performed in such state. This Agreement supersedes and replaces any
         agreement previously entered into between Agent and Servicer.
         Servicer's failure to enforce any provision of this Agreement shall not
         constitute a waiver of any provision of this Agreement. The provisions
         of this Agreement shall be deemed severable. In the event that any
         provision of this Agreement is determined to be unenforceable or
         invalid, such provision shall nonetheless be enforced to the fullest
         extent permitted by applicable law, and such determination shall not
         affect the validity and enforceability of any other remaining
         provisions of this Agreement. This Agreement, together with all
         schedules attached hereto and all writings incorporated herein by
         reference, constitutes the entire agreement between Agent and Servicer
         with respect to the subject matter of this Agreement.



Servicer: Towne Services, Inc.                Agent:

By:                                           By: 
   ------------------------------------           ----------------------------
Title:                                        Title:                          
      ---------------------------------             --------------------------

Date:                                         Date:                           
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                                    EXHIBIT A




Towne Services will pay ___ % of initial bank license fees and ___% of the
ongoing revenue net of incremental processing expenses and sales commissions.