Exhibit 10.57


THIS DOCUMENT PREPARED BY:
C Taylor Everett, Attorney at Law
Post Office Box 189, 357 West Main Street
Waverly, Virginia 23890
(804) 834-2160

         THIS DEED,  made this 29th day of April,  1998,  by and  between  JAMES
RIVER BANK (formerly The Bank of Waverly), a Virginia Corporation,  party of the
first part and hereinafter  known as GRANTOR,  and SPURLOCK  ADHESIVES,  INC., a
Virginia  corporation,  of Post office Box 8, Waverly,  Virginia 23890, party of
the second part and hereinafter known as GRANTEE.

                                   WITNESSETH:

         That for and in consideration of the sum of TEN ($10.00)  DOLLARS,  and
other  good and  valuable  consideration,  cash in hand paid by the party of the
second  part to the  party of the first  part,  the  receipt  of which is hereby
acknowledged,  the said party of the first part doth hereby bargain, sell, grant
and convey, unto the said Spurlock Adhesives, Inc., a Virginia corporation, with
GENERAL WARRANTY and ENGLISH COVENANTS OF TITLE, all of the following  described
real estate, to-wit:

         ALL that certain lot,  piece or parcel of land lying and being  situate
         on the East side of Bank Street in the town of Waverly,  Sussex County,
         Virginia, and containing 0.506 acres, more or less, and being shown and
         designated  on a certain  plat of survey  entitled  "SURVEY AND PLAT OF
         PROPERTY  BELONGING TO THE TOWN OF WAVERLY",  made by Lee B. Carpenter,
         Certified  Surveyor,  September 21, 1959,  which said plat of survey is
         duly


<PAGE>

         recorded in the Charles  Office of the Circuit Court of Sussex  County,
         Virginia in Plat Book 10 at page 80 and  reference to which is heremade
         for a more full and complete description.

         LESS, SAVE, AND EXCEPT a small triangle of land containing 718.3 square
         feet conveyed to Commonwealth  of Virginia,  Department of Conservation
         and  Economic  Development,  Division  of  Forestry,  by deed  dated 28
         January,  1960,  and duly recorded in the Clerics Office of the Circuit
         Court of Sussex County, Virginia in Deed Book 59 at page 451, with plat
         attached and recorded in Plat Book 10 at page 95.

         IT BEING  the same  and  identical  property  conveyed  from  Southside
         Virginia Production Credit  Association,  et al. to the Bank of Waverly
         by deed dated 2 November,  1982 and duly  recorded in the Clerks Office
         of the Circuit Court of Sussex County,  Virginia in Deed Book 100, page
         760. By amendment to its corporate charter, the Bank of Waverly changed
         its  name to  James  River  Bank as May be  seen  by a  Certificate  of
         Amendment of the State Corporation  Commission,  copy of each is hereto
         attached as Attachment "A".

         THIS CONVEYANCE is made subject to such  conditions,  restrictions  and
easements of record to the extent that they may  lawfully  apply to the property
hereby conveyed.

         WITNESS the following signature and seal:

         JAMES RIVER BANK

         By:      /s/ Jerry P. Bryant                 (SEAL)
             -----------------------------------------
                  Jerry P. Bryant, President



                                       2
<PAGE>

COMMONWEALTH OF VIRGINIA

County of Sussex, to-wit:

         The foregoing  instrument was  acknowledged  before me this 30th day of
April,  1998,  by Jerry R. Bryant,  President of James River Bank,  on behalf of
James River Bank.

My Commission Expires:     January 31, 2001
                      ---------------------------



         /s/ Ruth A. Price
         ------------------------------------
         Notary Public

<PAGE>


                            COMMONWEALTH OF VIRGINIA
                          STATE CORPORATION COMMISSION

                                February 28, 1996


The State Corporation  Commission has found the accompanying  articles submitted
on behalf of

JAMES RIVER BANK

(FORMERLY THE BANK OF WAVERLY)


to comply with the  requirements  of law,  and  confirms  payment of all related
fees.

Therefore, it is ORDERED that this


CERTIFICATE OF AMENDMENT


be issued and admitted to record with the articles of amendment in the Office of
the Clerk of the Commission, effective March 1, 1996.

The  corporation  is granted the authority  conferred on it by law in accordance
with the articles, subject to the conditions and restrictions imposed by law.


                                         STATE CORPORATION COMMISSION

                                         By   /s/ T. V. Morrison, Jr.
                                             -----------------------------------
                                              Commissioner






AMENACPT
CIS20318
96-02-21-0513






VIRGINIA:  In the Clerk's  Office of the  Circuit  Court of Sussex  County.  The
foregoing  instrument  was this day  presented in the office  aforesaid  and is,
together with the  certificate  of  acknowledgment  annexed,  admitted to record
this......4th........  day of........  May...................  1998 at......  at
1:24 P.M.

The tax  imposed  by  ss.58.1-802  of the Code has been  paid in the  amount  of
$137.50.