Exhibit 10.3

              SECOND AMENDMENT TO LEASE AGREEMENT



     THIS  SECOND  AMENDMENT TO LEASE AGREEMENT ("Amendment")  is
hereby  entered  into as of this ___ day of July,  2004,  by  and
between  ABS  LAURA  STREET,  LLC, a  Florida  limited  liability
company("Landlord") and THE JACKSONVILLE BANK, a Florida  banking
corporation ("Tenant").


                      W I T N E S S E T H:


     WHEREAS,  Landlord and Tenant are parties  to  that  certain
standard  office  Lease  dated March  12,  2004,  as  amended  by
Amendment to Lease Agreement dated __________, 2004 for  premises
known  as Suites 120 and 1000, 100 N. Laura Street, Jacksonville,
Florida, consisting of 14,815 rentable square feet (collectively,
the "Lease"); and

     WHEREAS,  the  Tenant  has requested  from  the  Landlord  a
modification  of  the Term of the Lease to: (i)  delay  the  rent
commencement date and lease term by one (1) month and (ii) extend
the  primary term of the Lease for an additional three (3) years,
such  that  the Term shall commence October 1, 2004  and  end  on
September  30, 2014, subject to the terms and conditions  of  the
Lease; and

     WHEREAS, Landlord and Tenant wish to modify the terms of the
Lease to revise the Term as more fully set forth herein; and

     WHEREAS,  Landlord is willing to agree to such modifications
provided that this agreement is entered into, but not otherwise.

     NOW,  THEREFORE,  in  consideration of the  mutual  promises
herein  contained and other good and valuable consideration,  the
receipt  and sufficiency of which is hereby acknowledged  by  the
parties, Landlord and Tenant hereby agree as follows:


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     1.    Recitals.   All recitals set forth above are true  and
correct and are incorporated hereby reference.

     2.    Amendments  to  Basic Lease Provisions.  In  order  to
effect the Amendment set forth herein, certain of the Basic Lease
Provisions  as  provided  in the Lease,  are  hereby  revised  as
follows:

          a)  Section  1, Page 2. Commencement Date - October  1,
2004.

          b)  Section 2, Page 2. Expiration Date - September  30,
2014.

          c) Section 2, Page 2.  Rent Commencement Date - October
1, 2004.

          Paragraph 3(A).  Base Rents: Base Rents are revised  as
follows:


Lease Year*    Rental Rate**    Annual Rent***   Monthly Rent***

     1.            $20.00         $296,300.00       $24,691.66

     2.            $20.50         $303,707.50       $25,308.96

     3.            $21.00         $311,115.00       $25,926.25

     4.            $21.50         $318,522.50       $26,543.54

     5.            $22.00         $325,930.00       $27,160.83

     6.            $22.50         $333,337.50       $27,778.13

     7.            $23.00         $340,745.00       $28,395.42

     8.            $23.50         $348,152.50       $29,012.71

     9.            $24.00         $355,560.00       $29,630.00

     10.           $24.50         $362,967.50       $30,247.29

*Lease year is October 1 - September 30 of the following year.
**Per rentable square feet
***Does not include applicable sales taxes due with monthly rent.


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     3.    Brokers. Landlord and Tenant warrant and represent  to
each  other that other than Garnett Commercial Real Estate, Inc.,
neither  party has had any dealings with any real estate  broker,
finder  or other person with respect to this Amendment to  Lease.
All  commissions  due shall be paid in accordance  with  separate
agreements between Landlord and such party.  Tenant covenants and
agrees  that except as to the parties named herein, Tenant herein
indemnifies  and hold Landlord harmless from additional  broker's
fees  in connection with this amendment and to the extent  Tenant
has  a leasing representative who is due a fee hereon (other than
as disclosed herein), such fee shall be paid directly by Tenant.

     4.    Options To Renew.  Tenant shall continue to  have  its
five  options  of  five (5) years each (the "Option  Terms"),  as
provided  in Addendum "A" of the Lease, except that, as a  result
of  the modification of the initial Term of the Lease, the  first
option  term shall now commence on October 1, 2014, and the  last
option  term shall end on September 20, 2039 (instead  of  August
31, 2036).

     5.    Covenants  Binding.  It is mutually  agreed  that  all
covenants, conditions and agreements set forth in the  Lease  (as
hereby  amended) shall remain binding upon the parties and  inure
to  the  benefit  of  the  parties hereto  and  their  respective
successors and assigns.

     6.    Continuing  Force  and  Effect.   Except  as  modified
hereby, all other terms and conditions of the Lease shall  remain
unchanged  and  in full force and effect and are hereby  ratified
and confirmed by the parties hereto.

     7.    Defined Terms.  Except as otherwise expressly provided
herein,  all  defined terms shall have the meanings  ascribed  to
them in the Lease.

     8.   Conflicts/Amendment to Control.  Any inconsistencies or
conflicts between the terms and provisions of the Lease  and  the
terms and provisions of this Amendment shall be resolved in favor
of the terms and provisions of this Amendment.

     9.   Writing Required.  This Amendment shall not be modified
except in writing and signed by both parties hereto.

     IN  WITNESS  WHEREOF, the parties hereto have executed  this
Second Amendment to Lease on the date indicated above.


--------------------------         ABS LAURA STREET, LLC,
Print Name:_______________         a Florida limited liability
	                           company

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-------------------------         By:------------------------
Print Name:______________            Maurice Nichols
Witnesses                         Its: President and General
                                       Manager

                                       "Tenant"


-------------------------	   THE JACKSONVILLE BANK,
Print Name:______________	   a Florida banking corporation


-------------------------          By:_________________________
Print Name:______________	      Gilbert J. Pomar, III
Witnesses                          Its: President and Chief
                                        Executive Officer


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