Exhibit 10.2

                  AMENDMENT TO LEASE AGREEMENT



     THIS  AMENDMENT TO LEASE AGREEMENT ("Amendment")  is  hereby
entered into as of this ___ day of May, 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, for premises known as
Suites  120 and 1000, 100 N. Laura Street, Jacksonville, Florida,
consisting of 12,000 rentable square feet (the "Lease"); and

     WHEREAS,   the  Tenant  has  requested  from  the   Landlord
expansion  of  the Premises into additional space  on  the  tenth
(10th)  floor  of the Building, containing 2,815 rentable  square
feet, subject to the terms and conditions of the Lease; and

     WHEREAS, Landlord and Tenant wish to modify the terms of the
Lease to expand the Premises 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.   Expansion of Suite 1000.  Suite 1000 of the Premises as
described  in  the Lease is expanded effective  as  of  the  date
hereof, to include an additional 2,815 rental square feet,  which
shall thereafter constitute the entire rentable area of the tenth
(10th)  floor  of  the Building, totaling 11,480 rentable  square
feet for Suite 1000.

     3.    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:

          Section  1,  Page  1.  Net Rentable Area  of  Premises:
14,815  rentable  square  feet in the aggregate:  3,335  rentable
square feet as to Suite 120:  11,480 rentable square feet  as  to
Suite 1000.

          Section  3, Page 6. Tenant's Percentage Share: ten  and
eighty-five one hundredths percent (10.85%).

          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

*Lease year is September 1 - August 31 of the following year.
**Per rentable square feet
***Does not include applicable sales taxes due with monthly rent.


     4.    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,


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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.

     5.   Rent Credit.   In consideration of the execution of the
Lease Amendment, and in lieu of a Tenant Build-Out Allowance  for
the  additional space, as reflected pursuant to the Lease  or  as
provided  by  paragraph 3 of the Addendum to Lease, Tenant  shall
provide  to  Landlord a rent credit of $53,680.00,  which  credit
shall be applied prorata to each of the monthly payments of  rent
for  the first sixteen (16) months of the Term.  Accordingly, the
base  monthly  rents  as  set forth in paragraph  3(A)  shall  be
reduced  by  $3,355.00 per month for the first 16 months  of  the
Term  in order to account for the rent credit.  In the event that
Tenant  shall terminate the Lease or shall fail to pay the  rents
for said period of time, the rent credit shall be deemed null and
void.   Tenant  acknowledges and agrees that the rent  credit  in
being  given  in  lieu of any Tenant Improvement  Allowance  with
respect  to  the  additional space, and  the  Tenant  Improvement
Allowance of $209,620.00 as set forth in Exhibit "B" of the Lease
is  hereby  confirmed as being true and correct,  notwithstanding
the additional spaced leased hereunder.

     6.    Build-Out on Tenth Floor.  Tenant acknowledges that as
a  result  of the lease of the additional space which constitutes
the  full  rentable portion of the 10th floor  of  the  Premises,
Tenant  shall  assume obligation for Build-Out  of  the  elevator
lobby and corridors of the 10th floor of the Building.  The plans
and  specifications  for  said  build-out  shall  be  subject  to
Landlord's  reasonable  approval  as  set  forth  in  the  Lease.
Notwithstanding  the  foregoing, Landlord  acknowledges  that  it
shall  remain responsible to build-out the bathrooms on the  10th
floor of the Premises.

     7.   Options Satisfied.  Tenant acknowledges and agrees that
the  amendment  reflected herein satisfies any option  which  the
Tenant has or may have had to lease additional space on the  10th
floor of the Building, pursuant to paragraph 3 of the Addendum to
Lease, or otherwise.

     8.    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

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the  benefit  of  the  parties hereto  and  their  respective
successors and assigns.

     9.    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.

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

     11.  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.

     12.  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, a Florida
Print Name:                   limited liability company


                              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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