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                                                                    EXHIBIT 10.1


                      LOAN DOCUMENTS MODIFICATION AGREEMENT
                              (September 30, 1999)

         THIS LOAN DOCUMENTS MODIFICATION AGREEMENT (hereinafter referred to as
this "Amendment") is made and entered into as of the 30th day of September,
1999, by and among PROFESSIONAL TRANSPORTATION GROUP LTD., INC., a Georgia
corporation, and TIMELY NORTH, INC., a Georgia corporation (hereinafter
collectively referred to as "Borrower"), TRUCK-NET, INC., a Georgia corporation,
TIMELY TRANSPORTATION, INC., a Georgia corporation, PTG, INC., a Georgia
corporation, and DENNIS A. BAKAL, a Georgia resident (hereinafter collectively
referred to as "Guarantors"), and SOUTHTRUST BANK, N.A., a national banking
association (hereinafter referred to as "Lender").

                              BACKGROUND STATEMENT

         Borrower and Lender are parties to that certain Amended, Restated and
Consolidated Commercial Revolving Note dated March 2, 1998, in the original
principal amount of $9,000,000.00 (hereinafter referred to as the "Note", and
the loan evidenced thereby as the "Loan"). The Note is secured by (a) that
certain Amended and Restated General Security Agreement from Borrower and
Guarantors, as "Debtor" therein, to Lender, as "Secured Party" therein, dated
November 19, 1997 (hereinafter referred to as the "Security Agreement"), and (b)
all of the "Loan Documents," as that term is defined in that certain Amended and
Restated Commercial Loan Agreement dated March 2, 1998 (hereinafter referred to
as the "Loan Agreement"). Certain payment and performance obligations of
Borrower provided for in the Note, the Security Agreement, and the other Loan
Documents are guaranteed by Guarantors pursuant to separate Guaranty of Payment
and Performance, each dated November 19, 1997 (hereinafter each referred to as a
"Guaranty"). The Loan Documents have previously been amended pursuant to that
certain Loan Documents Modification Agreement dated June 30, 1998, that certain
Loan Documents Modification Agreement dated September 15, 1998, that certain
Loan Documents Modification Agreement dated October 31, 1998, that certain Loan
Documents Modification Agreement dated December 31, 1998, and that certain Loan
Documents Modification Agreement dated May 31, 1999. Borrower and Lender have
agreed to amend the Note and all of the other Loan Documents, Guarantors have
each agreed to reaffirm their Guaranty, and the parties hereto are entering into
this Amendment to evidence their agreements.

                                    AGREEMENT

         FOR AND IN CONSIDERATION of the sum of Ten and No/100 Dollars ($10.00),
the foregoing recitals, and other good and valuable consideration, the receipt
and sufficiency of which are hereby acknowledged, Borrower, Guarantors and
Lender do hereby agree as follows:

         1. LOAN BALANCE. The foregoing recitals are true and correct and are
incorporated herein by reference. Borrower and Lender acknowledge and agree that
as of September 30, 1999, the outstanding principal balance of the Note is Six
Million Four Hundred Eighty-Six Thousand Two Hundred Eighty-Eight and 93/100
Dollars ($6,486,288.93).

         2. MODIFICATION OF NOTE. The terms of the Note are hereby modified and
amended, effective as September 30, 1999, by deleting the principal and interest
payment schedule set forth in the Note in the paragraph titled "Payment
Schedule" and replacing it with the following:


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            "PAYMENT SCHEDULE. Principal and interest shall be due and
            payable as follows: Interest only on the outstanding principal
            amount shall be due and payable monthly, in arrears, beginning
            on April 1, 1998, and continuing on the first day of each
            month thereafter until maturity. On October 31, 1999, all
            unpaid principal, plus accrued and unpaid interest, shall be
            due and payable in full."

The purpose of this modification is to extend the maturity date of the Loan to
October 31, 1999.

         3. RATIFICATION; EXPENSES. Except as herein expressly modified or
amended, all the terms and conditions of the Note are hereby ratified, affirmed,
and approved. In consideration of Lender agreeing to extend the maturity date of
the Note, Borrower agrees to pay all fees and expenses incurred in connection
with this Amendment.

         4. MODIFICATION OF LOAN DOCUMENTS. As of the date hereof, Borrower and
Guarantors hereby reaffirm and restate each and every warranty and
representation set forth in the Loan Documents. The terms of the Loan Documents
are hereby modified and amended, effective as of the date hereof, so that any
reference in any of the Loan Documents (including, without limitation, the Loan
Agreement) to the Note shall refer to the Note as herein amended.

         5. GUARANTOR'S REAFFIRMATION. The undersigned Guarantors hereby ratify,
confirm, reaffirm and covenant that the Guaranty which they have executed is
validly existing and binding against them under the terms of such Guaranty.
Guarantors hereby reaffirm and restate, as of the date hereof, all covenants,
representations and warranties set forth in the Guaranty.

         6. NO DEFENSES; RELEASE. For purposes of this Paragraph 6, the terms
"Borrower Parties" and "Lender Parties" shall mean and include Borrower and
Guarantors, and Lender, respectively, and each of their respective predecessors,
successors and assigns, and each past and present, direct and indirect, parent,
subsidiary and affiliated entity of each of the foregoing, and each past and
present employee, agent, attorney-in-fact, attorney-at-law, representative,
officer, director, shareholder, partner and joint venturer of each of the
foregoing, and each heir, executor, administrator, successor and assign of each
of the foregoing; references in this paragraph to "any" of such parties shall be
deemed to mean "any one or more" of such parties; and references in this
sentence to "each of the foregoing" shall mean and refer cumulatively to each
party referred to in this sentence up to the point of such reference. Borrower
hereby acknowledges, represents and agrees: that Borrower has no defenses,
setoffs, claims, counterclaims or causes of action of any kind or nature
whatsoever with respect to the Note and the other Loan Documents or the
indebtedness evidenced and secured thereby, or with respect to any other
documents or instruments now or heretofore evidencing, securing or in any way
relating to the Loan, or with respect to the administration or funding of the
Loan, or with respect to any other transaction, matter or occurrence between any
of the Borrower Parties and any Lender Parties or with respect to any acts or
omissions of any Lender Parties (all of said defenses, setoffs, claims,
counterclaims or causes of action being hereinafter referred to as "Loan Related
Claims"); that, to the extent that Borrower may be deemed to have any Loan
Related Claims, Borrower does hereby expressly waive, release and relinquish any
and all such Loan Related Claims, whether or not known to or suspected by
Borrower; that Borrower shall not institute or cause to be instituted any legal
action or proceeding of any kind based upon any Loan Related Claims; and that
Borrower shall indemnify, hold harmless and defend all Lender

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Parties from and against any and all Loan Related Claims and any and all losses,
damages, liabilities, costs and expenses suffered or incurred by any Lender
Parties as a result of any assertion or allegation by any Borrower Parties of
any Loan Related Claims or as a result of any legal action related thereto.
Borrower hereby reaffirms and restates, as of the date hereof, all covenants,
representations and warranties set forth in the Loan Documents.

         7.  NO NOVATION. Borrower and Lender hereby acknowledge and agree that
this Amendment shall not constitute a novation of the indebtedness evidenced by
the Loan Documents, and further that the terms and provisions of the Loan
Documents shall remain valid and in full force and effect except as may be
hereinabove modified and amended.

         8.  NO WAIVER OR IMPLICATION. Borrower hereby agrees that nothing
herein shall constitute a waiver by Lender of any default, whether known or
unknown, which may exist under the Note or any other Loan Document. Borrower
hereby further agrees that no action, inaction or agreement by Lender,
including, without limitation, any extension, indulgence, waiver, consent or
agreement of modification which may have occurred or have been granted or
entered into (or which may be occurring or be granted or entered into hereunder
or otherwise) with respect to nonpayment of the Loan or any portion thereof, or
with respect to matters involving security for the Loan, or with respect to any
other matter relating to the Loan, shall require or imply any future extension,
indulgence, waiver, consent or agreement by Lender. Borrower hereby acknowledges
and agrees that Lender has made no agreement, and is in no way obligated, to
grant any future extension, indulgence, waiver or consent with respect to the
Loan or any matter relating to the Loan.

         9.  NO RELEASE OF COLLATERAL. Borrower further acknowledge and agree
that this Agreement shall in no way occasion a release of any collateral held by
Lender as security to or for the Loan, and that all collateral held by Lender as
security to or for the Loan shall continue to secure the Loan.

         10. SUCCESSORS AND ASSIGNS. This Amendment shall be binding upon and
inure to the benefit of Borrower, Guarantors and Lender and their respective
heirs, successors and assigns, whether voluntary by act of the parties or
involuntary by operation of law.

         11. AUTHORITY. By executing this Amendment as hereinafter provided,
Dennis A. Bakal hereby certifies that he is the President of each Borrower and
is duly authorized to execute this Amendment on behalf of each Borrower.

         IN WITNESS WHEREOF, this Amendment has been duly executed under seal by
Borrower, Guarantors and Lender, as of the day and year first above written.

                                    BORROWER:

                                    PROFESSIONAL TRANSPORTATION GROUP LTD.,
                                    INC., a Georgia corporation


                                    By: /s/ Dennis A. Baklal
                                       ----------------------------------------


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                                           Dennis A. Bakal, President

                                               [CORPORATE SEAL]


                                      TIMELY NORTH, INC., a Georgia corporation


                                      By: /s/ Dennis A. Bakal
                                         ---------------------------------
                                            Dennis A. Bakal, President

                                                [CORPORATE SEAL]

                                      GUARANTORS:

                                      TRUCK-NET, INC., a Georgia corporation

                                      By: /s/ Dennis A. Bakal
                                         ---------------------------------
                                            Dennis A. Bakal, President

                                               [CORPORATE SEAL]


                                      TIMELY TRANSPORTATION, INC., a Georgia
                                            corporation

                                      By: /s/ Dennis A. Bakal
                                         ---------------------------------
                                            Dennis A. Bakal, President

                                               [CORPORATE SEAL]



                                      /s/ Dennis A. Bakal                 (SEAL)
                                      ------------------------------------
                                      DENNIS A. BAKAL

                                      PTG, INC., a Georgia corporation

                                      By: /s/ Dennis A. Bakal
                                         ---------------------------------
                                            Dennis A. Bakal, President

                                               [CORPORATE SEAL]

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                                     LENDER:

                                     SOUTHTRUST BANK, N.A., a national banking
                                          association



                                     By: /s/ Barbara A. Gewert
                                        ----------------------------------
                                         Barbara A. Gewert
                                         Vice President


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