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                                                                  EXHIBIT 10.1

                              EMPLOYMENT AGREEMENT

         This Employment Agreement (the "Agreement") is made and entered into
this 27th day of July, 1998, by and between MEDAPHIS CORPORATION, a Delaware
corporation (the "Company"), and WAYNE A. TANNER a resident of the State of
Georgia (the "Executive").

                       Statement of Background Information

         The Company renders to hospitals, physicians, and/or other healthcare
organizations and providers: (a) billing services, accounts receivable
management services, collection services, electronic claims services, financial
management services, and practice and facilities management services; (b)
eligibility verification and certification for Medicaid, Medicare and other
healthcare assistance programs; (c) filing and other medical claims
securitization services; (d) medical coverage information services; and (e)
medical and insurance claims monitoring and tracking services (collectively the
"Processing Business").

         The Company also: (a) develops, markets and licenses to hospitals,
integrated healthcare delivery systems, and other healthcare providers and other
end users (collectively "Providers"), (i) strategic, operational and financial
information systems and services and decision support tools for healthcare
providers, (ii) software systems which provide claims and reimbursement services
and electronic claims processing, and (iii) software applications which assist
Providers with automated scheduling and resource management (the items discussed
in Sections (a)(i), (a)(ii) and (a)(iii) of this paragraph are referred to as
"Systems"), which Systems include, but are not limited to, nurse scheduling and
management information systems, operating room patient scheduling and surgery
information systems, enterprise wide patient scheduling and resource management
systems, enterprise-wide employee scheduling and management information systems
and related software interfaces to other information systems; and (b) provides
to Providers installation and support services related to the Company's Systems
(the "Systems Business").

         The Company also renders professional services with respect to the
development of computer software, algorithms, design, documentation, and related
materials, and the development, design, deployment, and operation of local and
wide area computer networks, all in conjunction with the sale, design,
deployment, operation and maintenance of custom computer processing systems for
improvement of operational efficiency or functionality through the use of image
storage and processing, work flow technology, optical character recognition or
other related technologies (the "System Integration Business") (the Processing
Business, the Systems Business, the Systems Integration 





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Business and any other distinct business segment in which the Company engages
during Executive's employment are collectively referred to herein as the
"Business").

         In consideration of the mutual covenants, promises and conditions set
forth in this Agreement, and for other good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, the parties agree as
follows:

1.       Employment. The Company hereby employs Executive and Executive hereby
         accepts such employment upon the terms and conditions set forth in this
         Agreement.

2.       Duties of Executive. Executive's title will be Executive Vice President
         and Chief Financial Officer of Medaphis Corporation and Executive will
         report directly to the Chief Operating Officer of the Company.
         Executive agrees to perform and discharge such other duties as may be
         assigned to Executive from time to time by the Company to the
         reasonable satisfaction of the Company, and such duties will be
         consistent with those duties regularly and customarily assigned by the
         Company to the position of Executive Vice President and Chief Financial
         Officer of Medaphis Corporation. Executive also agrees to comply with
         all of the Company's policies, standards and regulations as promulgated
         by the officers of the Company, and to follow the instructions and
         directives of the Board of Directors, the Chairman and the Chief
         Executive Officer of the Company. Executive will devote Executive's
         full professional and business-related time, skills and best efforts to
         such duties and will not, during the term of this Agreement, be engaged
         (whether or not during normal business hours) in any other business or
         professional activity, whether or not such activity is pursued for
         gain, profit or other pecuniary advantage, without the prior written
         consent of the Chairman of the Company, which consent will not be
         unreasonably withheld. This Section will not be construed to prevent
         Executive from (a) investing personal assets in businesses which do not
         compete with the Company in such form or manner that will not require
         any services on the part of Executive in the operation or the affairs
         of the companies in which such investments are made and in which
         Executive's participation is solely that of an investor; (b) purchasing
         securities in any corporation whose securities are listed on a national
         securities exchange or regularly traded in the over-the-counter market,
         provided that Executive at no time owns, directly or indirectly, in
         excess of one percent (1%) of the outstanding stock of any class of any
         such corporation engaged in a business competitive with that of the
         Company; or (c) participating in conferences, preparing and publishing
         papers or books or teaching, so long as the Chief Executive Officer of
         the Company approves such participation, preparation and publication or
         teaching prior to Executive's engaging therein.




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3.       Term. The term of this Agreement will be for a three (3) year period of
         time, commencing as of September 1, 1998 and expiring on August 31,
         2001, subject to earlier termination as provided for in Section 4 of
         this Agreement. This Agreement shall be automatically renewed for
         successive one (1) year periods at the end of the initial three-year
         term, unless either party gives notice to the other of its intent to
         terminate this Agreement not less than ninety (90) days prior to
         commencement of any such one-year renewal period. In the event such
         notice to terminate is properly and timely given, this Agreement shall
         terminate at the end of the initial term or the one-year renewal period
         in which such notice is given.

4.       Termination.

         (a) Termination by Company for Cause. Notwithstanding anything
         contained in Section 3 to the contrary, the Company may terminate this
         Agreement and all of its obligations hereunder immediately if any of
         the following events occur:

                  (i) Executive materially breaches any of the terms or
                  conditions set forth in this Agreement and fails to cure such
                  breach within ten (10) days after Executive's receipt from the
                  Company of written notice of such breach (notwithstanding the
                  foregoing, no cure period shall be applicable to breaches by
                  Executive of Sections 6, 7 or 8 of this Agreement);

                  (ii) Executive commits any other act materially detrimental to
                  the business or reputation of the Company;

                  (iii) Executive commits or is convicted of any crime involving
                  fraud, deceit or moral turpitude; or

                  (iv) Executive dies or becomes mentally or physically
                  incapacitated or disabled so as to be unable to perform
                  Executive's duties under this Agreement. Without limiting the
                  generality of the foregoing, Executive's inability adequately
                  to perform services under this Agreement for a period of sixty
                  (60) consecutive days will be conclusive evidence of such
                  mental or physical incapacity or disability, unless such
                  inability adequately to perform services under this Agreement
                  is pursuant to a mental or physical incapacity or disability
                  covered by the Family Medical Leave Act, in which case such
                  sixty (60)-day period shall be extended to a one hundred and
                  twenty (120)-day period.




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         (b) Termination by Company Without Cause. Notwithstanding anything
         contained in Section 3 to the contrary, the Company may terminate
         Executive's employment pursuant to this Agreement without cause upon at
         least thirty (30) days' prior written notice to Executive. In the event
         Executive's employment with the Company is terminated by the Company
         without cause, Executive shall be entitled to elect a severance
         consideration equal to (i) two (2) years of salary continuation (this
         severance consideration does not include the right to receive any
         incentive bonus payments) at Executive's then current salary level, or
         (ii) Executive's then-current monthly salary (this severance
         consideration does not include the right to receive any incentive bonus
         payments) multiplied by the number of months remaining in the initial
         term hereof, as specified in Section 3, above. In addition, the Company
         shall provide benefit continuation to the extent that Executive remains
         eligible to participate in the applicable benefit pursuant to the terms
         of the respective benefit plan after termination and shall pay to
         Executive monthly an amount equal to the difference between the cost to
         Executive of medical, dental and vision coverage at the levels at which
         Executive is participating on the date of termination and the cost to
         Executive of COBRA coverage for the lesser of (x) eighteen (18) months
         and (y) the number of months remaining in the initial term hereof as
         specified in Section 3, above.

         (c) Termination by Executive With Good Reason. Except as set forth in
         Paragraph (d) below, in the event Executive elects to voluntarily
         terminate his employment following the occurrence of events
         constituting "Good Reason" for his voluntary termination of employment,
         Executive shall be entitled to elect a severance consideration equal to
         (i) two (2) years of salary continuation (this severance consideration
         does not include the right to receive any incentive bonus payments) at
         Executive's then current salary level, or (ii) Executive's then-current
         monthly salary (this severance consideration does not include the right
         to receive any incentive bonus payments) multiplied by the number of
         months remaining in the initial term hereof, as specified in Section 3,
         above. In addition, the Company shall provide benefit continuation to
         the extent that Executive remains eligible to participate in the
         applicable benefit pursuant to the terms of the respective benefit plan
         after termination and shall pay to Executive monthly an amount equal to
         the difference between the cost to Executive of medical, dental and
         vision coverage at the levels at which Executive is participating on
         the date of termination and the cost to Executive of COBRA coverage for
         the lesser of (x) eighteen (18) months and (y) the number of months
         remaining in the initial term hereof as specified in Section 3, above.
         For purposes of this Agreement, "Good Reason" is defined as (w) a
         reduction of greater than 10% in Executive's annual base salary; (x) a
         change in Executive's work location to a work location more than 50
         miles from Executive's existing work location, except for required
         travel on the Company's 




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         business to an extent consistent with Executive's then present business
         travel obligations; (y) an assignment to any duties inconsistent in any
         material adverse respect with Executive's current position, duties or
         responsibilities, other than an insubstantial and inadvertent act that
         is remedied by the Company promptly after receipt of notice thereof
         given by Executive; or (z) the failure by the Company to continue any
         material benefit or compensation plan in which Executive is
         participating unless Executive is provided with comparable benefits.

         (d) Change in Control. In the event there is a Change in Control (as
         defined herein) of Medaphis Corporation, Executive will be entitled to
         receive a severance payment equal to two (2) years of "Cash
         Compensation" (defined as the sum of Executive's then current base
         salary and the incentive bonus payment received by Executive during the
         year immediately prior to the Change in Control), if (A) Executive's
         employment is terminated by the Company without cause within one (1)
         year following any such Change in Control; (B) if Executive's
         employment is terminated by the Company at the request of or pursuant
         to an agreement with a third party who has taken steps reasonably
         calculated to effect a Change in Control; (C) if Executive's employment
         is terminated by the Company in connection with or in anticipation of a
         Change in Control; (D) if Executive voluntarily terminates his
         employment for Good Reason (as defined above in Paragraph (c)) within
         one (1) year following any such Change in Control; or (E) if Executive
         voluntarily terminates his employment for Good Reason within one (1)
         year following any action taken by the Company at the request of or
         pursuant to an agreement with a third party who has taken steps
         reasonably calculated to effect a Change in Control or any action taken
         by the Company in connection with or in anticipation of a Change in
         Control, in each case which action constitutes Good Reason. For
         purposes of this Agreement, a "Change in Control" of Medaphis
         Corporation shall be deemed to occur upon any of the following:

                  (i) a consolidation or merger of Medaphis Corporation with or
                  into any other corporation, or any other entity or person,
                  other than a wholly-owned subsidiary of Medaphis Corporation,
                  excluding any transaction in which the shares of the Company's
                  common stock outstanding immediately prior to any such
                  consolidation or merger represents immediately thereafter more
                  than 50% of the combined voting power of the resulting entity
                  after the transaction;

                  (ii) any corporate reorganization, including an exchange
                  offer, in which Medaphis Corporation shall not be the
                  continuing or surviving entity resulting from such
                  reorganization, excluding any transaction in which the shares
                  of the Company's common stock outstanding immediately prior to





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                  any such reorganization represents immediately thereafter more
                  than 50% of the combined voting power of the resulting entity
                  after the transaction; or

                  (iii) the failure for any reason of individuals who constitute
                  the Incumbent Board to continue to constitute at least a
                  majority of the Board. For purposes of this Section 4 (d), the
                  term "Board" shall mean the Board of Directors of the Company
                  and the term "Incumbent Board" shall mean the members of the
                  Board as of the date hereof and any person becoming a member
                  of the Board hereafter whose election or nomination is by a
                  vote of at least a majority of the directors then comprising
                  the Incumbent Board (other than an election or nomination of
                  an individual whose initial assumption of office is in
                  connection with an actual or threatened election contest
                  relating to the election of the directors of the Company, as
                  such terms are used in Rule 14a-11 of Regulation 14A
                  promulgated under the Securities Exchange Act of 1934, as
                  amended).

5.       Compensation and Benefits.

         a) Annual Salary. During the term of this Agreement and for all
         services rendered by Executive under this Agreement, the Company will
         pay Executive a base salary of Two Hundred Fifty Thousand Dollars
         ($250,000.00) per annum to be paid in accordance with the Company's
         regular payroll practices, provided, however, that such payments shall
         be made no less frequently than in equal monthly installments. Such
         base salary will be subject to adjustments in the normal course of
         business.

         b) Incentive Compensation. Executive shall be eligible to participate
         in the 1998 Medaphis Corporation and its Subsidiary Corporations
         Incentive Compensation Plan (and any comparable future incentive
         compensation plans during the term of this Agreement) at a
         participation category of up to 80% of Executive's then current annual
         base salary, payable at the discretion of the Board of Directors of the
         Company. Executive's incentive compensation shall be guaranteed at the
         eighty percent (80%) level for the first twelve (12) months of
         employment, pro-rated between 1998 and 1999 based on the number of
         months Executive is employed by the Company during each respective
         fiscal year.

         c) Stock Options. Effective as of September 1, 1998, or as soon as
         reasonably practicable thereafter and subject to the approval of the
         Compensation Committee of the Board of Directors of Medaphis
         Corporation, the Company will cause Medaphis to issue to Executive,
         effective as of the date approved by the Compensation Committee of the
         Board of Directors of Medaphis Corporation, 



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         options to purchase Two Hundred Thousand (200,000) shares of Medaphis
         Common Stock pursuant to the terms and conditions of the Amended and
         Restated Medaphis Corporation Non-Qualified Stock Option Plan ("Stock
         Option Plan"), as amended. Such options will vest at the rate of
         thirty-three and one-third percent (33.33%) per year for a three-year
         period beginning on the starting date of this Agreement, subject to the
         terms and conditions of the Stock Option Plan. Such options shall vest
         in full immediately upon the occurrence of certain change in control
         events outlined in the Stock Option Plan. Executive shall be considered
         for additional grants of options to purchase shares of Medaphis common
         stock in a manner that is consistent with other senior officers of the
         Company. Except as expressly set forth herein, nothing in this
         Agreement shall give rise to a contractual right to Executive to
         receive grants of additional stock options of Medaphis. Further,
         Medaphis has no obligation to Executive to create parity with any other
         Medaphis executives with respect to any options granted to such other
         executives.

         d) Other Benefits. Executive will be entitled to such fringe benefits
         as may be provided from time-to-time by the Company to its Executives,
         including, but not limited to, loan arrangements to facilitate the
         purchase of common stock of the Company, financial counseling services,
         group health insurance, life and disability insurance, vacations and
         any other fringe benefits, in each case as now or hereafter provided by
         the Company to its Executives, if and when Executive meets the
         eligibility requirements for any such benefit. The Company reserves the
         right to change or discontinue any employee benefit plans or programs
         now being offered to its employees; provided, however, that all
         benefits provided for Executives of the same position and status as
         Executive will be provided to Executive on an equal basis.

         e) Business Expenses. Executive will be reimbursed for all reasonable
         expenses incurred in the discharge of Executive's duties under this
         Agreement pursuant to the Company's standard reimbursement policies.

         f) Withholding. The Company will deduct and withhold from the payments
         made to Executive under this Agreement, state and federal income taxes,
         FICA and other amounts normally withheld from compensation due
         employees.

         g) Golf Club Membership. The Company will pay for Executive's
         membership initiation fee to join a golf club of Employee's choice,
         such choice subject to the approval of the Company, which fee shall not
         exceed $35,000, or, at the Company's option, the Company will name
         Executive as a designated representative under a Company-held corporate
         membership.



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6.       Non-Disclosure of Proprietary Information. Executive recognizes and
         acknowledges that the Trade Secrets (as defined below) and Confidential
         Information (as defined below) of the Company and its affiliates and
         all physical embodiments thereof (as they may exist from time-to-time,
         collectively, the "Proprietary Information") are valuable, special and
         unique assets of the Company's and its affiliates' businesses.
         Executive further acknowledges that access to such Proprietary
         Information is essential to the performance of Executive's duties under
         this Agreement. Therefore, in order to obtain access to such
         Proprietary Information, Executive agrees that, except in connection
         with performing duties assigned to him by the Company, Executive shall
         hold in confidence all Proprietary Information and will not reproduce,
         use, distribute, disclose, publish or otherwise disseminate any
         Proprietary Information, in whole or in part, and will take no action
         causing, or fail to take any action necessary to prevent causing, any
         Proprietary Information to lose its character as Proprietary
         Information, nor will Executive make use of any such information for
         Executive's own purposes or for the benefit of any person, firm,
         corporation, association or other entity (except the Company) under any
         circumstances.

         For purposes of this Agreement, the term "Trade Secrets" means
         information, without regard to form, including, but not limited to, any
         technical or non-technical data, formula, pattern, compilation,
         program, device, method, technique, drawing, process, financial data,
         financial plan, product plan, list of actual or potential customers or
         suppliers, or other information similar to any of the foregoing, which
         is not commonly known by or available to the public and (i) derives
         economic value, actual or potential, from not being generally known to,
         and not being readily ascertainable by proper means by, other persons
         who can derive economic value from its disclosure or use, and (ii) is
         the subject of efforts that are reasonable under the circumstances to
         maintain its secrecy. For purposes of this Agreement, the term "Trade
         Secrets" does not include information that Executive can show by
         competent proof (i) was known to Executive and reduced to writing prior
         to disclosure by the Company (but only if Executive promptly notifies
         the Company of Executive's prior knowledge); (ii) was generally known
         to the public at the time the Company disclosed the information to
         Executive; (iii) became generally known to the public after disclosure
         by the Company through no act or omission of Executive; or (iv) was
         disclosed to Executive by a third party having a bona fide right both
         to possess the information and to disclose the information to
         Executive.

         The term "Confidential Information" means any data or information of
         the Company, other than trade secrets, which is valuable to the Company
         and not generally known to competitors of the Company. The provisions
         of this Section 6 



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         will apply to Trade Secrets for so long as such information remains a
         trade secret and to Confidential Information during Executive's
         employment with the Company and for a period of two (2) years following
         any termination of Executive's employment with the Company for whatever
         reason.

         7.A. Non-Competition Covenant. During Executive's employment by the
         Company Executive will be a member of the Company's executive
         management team. Executive agrees that during his employment and for a
         period of two (2) years following any termination of Executive's
         employment for whatever reason, Executive will not, directly or
         indirectly, on Executive's own behalf or in the service of or on behalf
         of any other individual or entity, compete with the Company within the
         Geographical Area (as hereinafter defined). The term "compete" means to
         engage in, have any equity or profit interest in, make any loan to or
         for the benefit of, or render services of any marketing, management,
         sales, administrative, supervisory or consulting nature, directly or
         indirectly, on Executive's own behalf or in the service of or on behalf
         of any other individual or entity, either as a proprietor, employee,
         agent, independent contractor, consultant, director, officer, partner
         or stockholder (other than a stockholder of a corporation listed on a
         national securities exchange or whose stock is regularly traded in the
         over-the-counter market, provided that Executive at no time owns,
         directly or indirectly, in excess of one percent (1%) of the
         outstanding stock of any class of any such corporation) any business
         which provides Business products or services, provided that nothing in
         this Agreement will preclude Executive from rendering legal services in
         the role of outside counsel on behalf of any entity, including those
         entities that compete with the Company, following the termination of
         his employment with the Company. For purposes of this Agreement, the
         term "Geographical Area" means the territory located within a
         seventy-five (75) mile radius of any Company facility for which
         Executive exercised managerial control or provided legal services on
         behalf of the Company.

B.       Non-Solicitation of Clients Covenant. Executive agrees that during
         Executive's employment by the Company and for a period of two (2) years
         following the termination of Executive's employment for whatever
         reason, Executive will not, directly or indirectly, on Executive's own
         behalf or in the service of or on behalf of any other individual or
         entity, divert, solicit or attempt to divert or solicit any individual
         or entity (i) who is a client of the Company at any time during the six
         (6)-month period prior to Executive's termination of employment with
         the Company ("Client"), or was actively sought by the Company as a
         prospective client, and (ii) with whom Executive had material contact
         while employed by the Company, to provide Business services or products
         to such Clients or prospects.



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C.       Construction. The parties hereto agree that any judicial authority
         construing all or any portion of this Section 7 or Section 8 below may,
         if it chooses, sever any portion of the Geographical Area, client base,
         prospective relationship or prospect list or any prohibited business
         activity from the coverage of such Section and to apply the provisions
         of such Section to the remaining portion of the Geographical Area, the
         client base or the prospective relationship or prospect list, or the
         remaining business activities not so severed by such judicial
         authority. In addition, it is the intent of the parties that the
         judicial authority may, if it chooses, replace each such severed
         provision with a provision as similar in terms to such severed
         provision as may be possible and be legal, valid and enforceable. It is
         the intent of the parties that Sections 7 and 8 be enforced to the
         maximum extent permitted by law. In the event that any provision of
         either such Section is determined not to be specifically enforceable,
         the Company shall nevertheless be entitled to bring an action to seek
         to recover monetary damages as a result of the breach of such provision
         by Executive.

8.       Non-Solicitation of Employees Covenant. Executive further agrees and
         represents that during Executive's employment by the Company and for a
         period of two (2) years following any termination of Executive's
         employment for whatever reason, Executive will not, directly or
         indirectly, on Executive's own behalf or in the service of, or on
         behalf of any other individual or entity, divert or solicit, or attempt
         to divert or solicit, to or for any individual or entity which is
         engaged in providing Business services or products, any person employed
         by the Company, whether or not such employee is a full-time employee or
         temporary employee of the Company, whether or not such employee is
         employed pursuant to written agreement and whether or not such employee
         is employed for a determined period or at-will.

9.       Existing Restrictive Covenants. Executive represents and warrants that
         Executive's employment with the Company does not and will not breach
         any agreement which Executive has with any former employer to keep in
         confidence confidential information or not to compete with any such
         former employer. Executive will not disclose to the Company or use on
         its behalf any confidential information of any other party required to
         be kept confidential by Executive.

10.      Return of Proprietary Information. Executive acknowledges that as a
         result of Executive's employment with the Company, Executive may come
         into the possession and control of Proprietary Information, such as
         proprietary documents, drawings, specifications, manuals, notes,
         computer programs, or other proprietary material. Executive
         acknowledges, warrants and agrees that Executive will return to the
         Company all such items and any copies or excerpts thereof, in any form
         or 




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         medium, and any other properties, files or documents obtained as a
         result of Executive's employment with the Company, immediately upon the
         termination of Executive's employment with the Company.

11.      Proprietary Rights. During the course of Executive's employment with
         the Company, Executive may make, develop or conceive of useful
         processes, machines, compositions of matter, computer software,
         algorithms, works of authorship expressing such algorithm, or any other
         discovery, idea, concept, document or improvement which relates to or
         is useful to the Company's Business (the "Inventions"), whether or not
         subject to copyright or patent protection, and which may or may not be
         considered Proprietary Information. Executive acknowledges that all
         such Inventions will be "works made for hire" under United States
         copyright law and will remain the sole and exclusive property of the
         Company. Executive also hereby assigns and agrees to assign to the
         Company, in perpetuity, all right, title and interest Executive may
         have in and to such Inventions, including without limitation, all
         copyrights, and the right to apply for any form of patent, utility
         model, industrial design or similar proprietary right recognized by any
         state, country or jurisdiction. Executive further agrees, at the
         Company's request and expense, to do all things and sign all documents
         or instruments necessary, in the opinion of the Company, to eliminate
         any ambiguity as to the ownership of, and rights of the Company to,
         such Inventions, including filing copyright and patent registrations
         and defending and enforcing in litigation or otherwise all such rights.

         Executive will not be obligated to assign to the Company any Invention
         made by Executive while in the Company's employ which does not relate
         to any business or activity in which the Company is or may reasonably
         be expected to become engaged, except that Executive is so obligated if
         the same relates to or is based on Proprietary Information to which
         Executive will have had access during and by virtue of Executive's
         employment or which arises out of work assigned to Executive by the
         Company. Executive will not be obligated to assign any Invention which
         may be wholly conceived by Executive after Executive leaves the employ
         of the Company, except that Executive is so obligated if such Invention
         involves the utilization of Proprietary Information obtained while in
         the employ of the Company. Executive is not obligated to assign any
         Invention which relates to or would be useful in any business or
         activities in which the Company is engaged if such Invention was
         conceived and reduced to practice by Executive prior to Executive's
         employment with the Company.

12.      Remedies. Executive agrees and acknowledges that the violation of any
         of the covenants or agreements contained in Sections 6, 7, 8, 9, 10 and
         11 of this 



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         Agreement would cause irreparable injury to the Company, that the
         remedy at law for any such violation or threatened violation thereof
         would be inadequate, and that the Company will be entitled, in addition
         to any other remedy, to temporary and permanent injunctive or other
         equitable relief without the necessity of proving actual damages or
         posting a bond.

13.      Notices. Any notice or communication under this Agreement will be in
         writing and sent by registered or certified mail addressed to the
         respective parties as follows:

         If to the Company:                          If to Executive:

         2840 Mt. Wilkinson Parkway                   Wayne A. Tanner
         Suite 300                                    P.O. Box 1411
         Atlanta, GA 30339                            Monroe, GA 30655
         Attn: Chief Executive Officer

         or such other address or agent as may be hereafter designated in
         writing by either party hereto. All such notices shall be deemed given
         on the date personally delivered or mailed.

14.      Severability. Subject to the application of Section 7(C) to the
         interpretation of Sections 7 and 8, in case one or more of the
         provisions contained in this Agreement is for any reason held to be
         invalid, illegal or unenforceable in any respect, the parties agree
         that it is their intent that the same will not affect any other
         provision in this Agreement, and this Agreement will be construed as if
         such invalid or illegal or unenforceable provision had never been
         contained herein. It is the intent of the parties that this Agreement
         be enforced to the maximum extent permitted by law.

15.      Entire Agreement. This Agreement embodies the entire agreement of the
         parties relating to the subject matter of this Agreement and supersedes
         all prior agreements, oral or written, regarding the subject matter
         hereof. No amendment or modification of this Agreement will be valid or
         binding upon the parties unless made in writing and signed by the
         parties.

16.      Binding Effect. This Agreement will be binding upon the parties and
         their respective heirs, representatives, successors, transferees and
         permitted assigns.

17.      Assignment. This Agreement is one for personal services and will not be
         assigned by Executive. The Company may assign this Agreement to its
         parent company or 



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         to any of its subsidiaries or affiliated companies; provided that the
         parent or any subsidiary or affiliate fulfills the obligations of the
         Company under this Agreement.

18.      Governing Law. This Agreement is entered into and will be interpreted
         and enforced pursuant to the laws of the State of Georgia. The parties
         hereto hereby agree that the appropriate forum and venue for any
         disputes between any of the parties hereto arising out of this
         Agreement shall be any federal court in the state where the Company has
         its principal place of business and each of the parties hereto hereby
         submits to the personal jurisdiction of any such court. The foregoing
         shall not limit the rights of any party to obtain execution of judgment
         in any other jurisdiction. The parties further agree, to the extent
         permitted by law, that a final and unappealable judgment against either
         of them in any action or proceeding contemplated above shall be
         conclusive and may be enforced in any other jurisdiction within or
         outside the United States by suit on the judgment, a certified
         exemplified copy of which shall be conclusive evidence of the fact and
         amount of such judgment.

19.      Indemnification. Executive shall be entitled to the indemnification and
         exculpation offered through and set forth in the Company's Charter and
         By-laws.

20.      Surviving Terms. Sections 6, 7, 8, 9, 10, 11 and 12 of this Agreement
         shall survive termination of this Agreement.

         IN WITNESS WHEREOF, the parties have executed this Agreement as of the
day and year first above written.

COMPANY:                                          EXECUTIVE:


By:   /s/ David E. McDowell                       /s/ Wayne A. Tanner
   ------------------------------------           ------------------------------
       David E. McDowell, Chairman and            Wayne A. Tanner
       Chief Executive Officer

      /s/ Allen W. Ritchie             
   ------------------------------------
      Allen W. Ritchie, President and
      Chief Operating Officer



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<PAGE>   14




                                    EXHIBIT A

                                   INVENTIONS






         Executive represents that there are no Inventions.



                                                          WT
                                             ----------------------------
                                                Executive's Initials




                                       14