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                                                                   EXHIBIT 10.15


              FINANCIAL ADVISOR PROMISSORY NOTE REPAYMENT AGREEMENT


THIS FINANCIAL ADVISOR PROMISSORY NOTE REPAYMENT AGREEMENT ("Agreement") is made
this 24th day of July, 1998 by and between The Bank of Nashville (the "Bank")
and Pamela F. Morris (the "Employee").

WHEREAS, the Employee has accepted employment by The Bank as a Financial
Advisor; and

WHEREAS, the Employee has executed the attached Promissory Note; and

WHEREAS, The Bank and the Employee believe it to be mutually advantageous to
provide for the payment of bonuses to the Employee upon the terms and conditions
hereafter set forth.

NOW, THEREFORE, the parties hereto agree as follows:

1.       The Bank will pay bonuses to the Employee on the last business day of
         each calendar quarter ("Bonus Date" or "Bonus Dates"). Each bonus will
         be in an amount equal to the then-due principal payments under the
         Promissory Note (the "Promissory Note") attached hereto as Exhibit A
         ("Bonus Payment" or "Bonus Payments"). Bonus Payments will continue
         until the Promissory Note has been paid in full, subject to the other
         provisions of the Agreement.

2.       In the event that the Employee ceases to be employed by The Bank for
         any reason whatsoever, or for no reason, prior to any Bonus Date, then
         the Employee will not be entitled to receive any Bonus Payment or
         partial or prorated Bonus Payment for having been employed by The Bank
         beyond the date of the Bonus Date.

3.       Any Bonus Payment payable hereunder shall be withheld by The Bank and
         shall be applied to the payment of then-due principal and interest
         obligations pursuant to the Promissory Note. The Employee hereby
         consents to such withholding and application.

4.       Notwithstanding any other provision herein to the contrary, in the
         event the Employee dies prior to the full payment of Promissory Note,
         The Bank will pay; as of the date preceding the Employee's death, a
         final Bonus Payment equal to the-outstanding principal balance and all
         accrued but unpaid interest under the Promissory Note. The Bank shall
         withhold and apply said Bonus Payment as provided in paragraph 3 above.
         The Employee, for himself/herself, and for his/her estate, heirs,
         legatees, executors and person representatives, consents to such
         payment, withholding and application.

5.       This Agreement, and any Bonus Payment hereunder, shall not be
         assignable by voluntary or involuntary assignment or by operation of
         law, including, without



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         limitation, garnishment, attachment or other creditors' process, and
         Bonus Payments hereunder are specifically conditioned on The Bank's
         ability to withhold and apply each said Bonus Payment as provided in
         paragraph 3 above, without interference from the Employee's creditors.

6.       There is absolutely no intention that this Agreement be construed as a
         contract of employment for any period of time. The Bank maintains an
         employment-at-will policy. Just as employees are free to end their
         employment with The Bank at any time for any reason, The Bank is free
         to end the employment relationship with any employee at any time for
         any reason. The Employee shall be an employee-at-will.

7.       A.       The Employee understands that in the event of the termination
                  of the Employee's employment with The Bank, the Employee is
                  not entitled to receive any further Bonus Payments,
                  commissions, bonuses, overrides, trails, finder's fees, or any
                  other compensation which would be due the Employee from prior
                  transactions had the Employee remained in the employ of The
                  Bank, other than such amounts as the Employee may be due on
                  transactions that occurred during the month immediately
                  preceding the termination of the Employee's employment.

         B.       Notwithstanding the provisions of paragraph 7(A), in the event
                  the Employee's employment with The Bank is terminated
                  coincident with or following a change in control (as defined
                  below), either involuntarily by The Bank or voluntarily by the
                  Employee for Good Reason (as defined below), (1) The Bank will
                  make the final Bonus Payment equal to the then outstanding
                  principal and accrued interest on the Promissory Note, (2) the
                  Promissory Note shall be stamped "Paid in Full:; (3)
                  thereupon, The Bank shall have no further liability on the
                  Promissory Note.

         C.       "Change in Control" shall mean the closing of any transaction
                  resulting in a majority change in control of Community
                  Financial Group, Inc. to The Bank, including any merger, sale
                  of assets, transfer of stock, or any reorganization as defined
                  in Section 368 of the Internal Revenue Code of 1986, as
                  amended.

         D.       "Good Reason" shall mean either:

                  (1)      Failure by The Bank to comply with any material
                           provision of the Agreement, provided that the
                           Employee gives The Bank (as applicable) written
                           notice of such failure and such failure is not cured
                           within ten (10) days thereafter;

                  (2)      Any of the following which shall occur coincident
                           with or following a Change in Control:



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                           (a)      Without the Employee's express written
                                    consent, the assignment to him or her of any
                                    duties inconsistent with and in diminution
                                    of his or her positions, duties,
                                    responsibilities and status with The Bank
                                    immediately prior to such Change in Control,
                                    or a change resulting in diminution of his
                                    reporting responsibilities, titles or
                                    offices as in effect immediately prior to
                                    such Change in Control, or any removal of
                                    him or her from or any failure to re-elect
                                    him or her to any of such positions
                                    resulting in such diminution, except in
                                    connection with the termination of his or
                                    her employment for Cause Disability or
                                    Retirement or as a result of his death or
                                    termination of employment be him other than
                                    for Good Reason;

                           (b)      A reduction by The Bank in the Employee's
                                    compensation structure as in effect on the
                                    date of the Agreement, or as the same may be
                                    increased from time to time; or

                           (c)      Without the Employee's express written
                                    consent, The Bank's requiring him or her to
                                    be based anywhere other than within
                                    twenty-five (25) miles of his primary office
                                    location immediately prior to such Change in
                                    Control, except for required travel on The
                                    Bank's business consistent with his or her
                                    business travel obligations immediately
                                    prior to such Change in Control.


         E.       "Cause" shall mean (1) the willful and continued failure by
                  the Employee to substantially perform his or her duties under
                  this Agreement (other than any such failure resulting from his
                  incapacity due to physical or mental illness), after a demand
                  for substantial performance is delivered to him or her by the
                  Chief Executive Officer of The Bank, which demand specifically
                  identifies the manner in which the Employee is alleged to have
                  not substantially performed his or her duties; or (2) the
                  willful engaging by the Employee in misconduct which is
                  material injurious to The Bank, monetarily or otherwise, or
                  (3) the Employee's conviction of a felony. For purposes of
                  this subparagraph, no act, or failure to act, on the
                  Employee's part shall be considered "willful" unless done, or
                  omitted to be done, by him not in good faith and without
                  reasonable belief that his action or omission is in the best
                  interest of The Bank. Notwithstanding the foregoing, the
                  Employee shall not be deemed to have been terminated for Cause
                  unless and until there shall have been delivered to the Chief
                  Executive Officer of The Bank, and after he has been afforded
                  a reasonable opportunity, together with his counsel, to be
                  heard before such Chief Executive Officer, and a written
                  finding has been delivered to him to the effect that in the
                  good faith opinion of such Chief Executive Officer



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                  the Employee was guilty of conduct as set forth under clause
                  (1), (2), or (3) of the first sentence of this subparagraph,
                  specifying in writing the particulars thereof in detail.

         F.       "Disability" shall mean the Employee's failure to
                  satisfactorily perform his or her regular duties on behalf of
                  The Bank on a full-time basis for one hundred eighty (180)
                  consecutive days, by reason of the Employee's incapacity due
                  to physical or mental illness, except where within thirty (30)
                  days after notice of termination is given following such
                  absence, the Employee shall have returned to the satisfactory,
                  full-time performance of such duties. Any determination of
                  Disability hereunder shall be made by the Chief Executive
                  Officer of The Bank in good faith and on the basis of the
                  certificates of at least three (3) qualified physicians chosen
                  by it for such purpose, one of whom shall be the Chief
                  Executive Officer's regular attending physician.

8.       The Employee agrees that any controversy or dispute arising under this
         Agreement, the Promissory Note, or out of the Employee's employment by
         The Bank (including, but not limited to, claims arising under the Civil
         Rights Act of 1964, the Civil Rights Act of 1991, the Age
         Discrimination in Employee Act of 1967, and analogous state statues)
         shall be submitted for arbitration upon demand of either party in
         accordance with the rules of the National Association of Securities
         Dealers, Inc. or the New York Stock Exchange, Inc. provided, however,
         that in the event of a default under the provisions of the Promissory
         Note, The Bank shall be untitled to apply for and obtain from any state
         or federal court the injunctive relief provided for in paragraph 7 of
         the Agreement before or after the commencement of any arbitration
         proceeding, such relief to be afforded to The Bank pending the decision
         of the arbitrators.

9.       The Employee agrees that in the event of any controversy or dispute
         arising under this Agreement, the Promissory Note, or out of the
         Employee's employment by The Bank is determined to be ineligible for
         arbitration, THE EMPLOYEE SHALL NOT EXERCISE ANY RIGHTS THE EMPLOYEE
         MAY HAVE TO ELECT OR DEMAND A TRAIL BY JURY. THE EMPLOYEE AND THE BANK
         HEREBY EXPRESSLY WAIVE ANY RIGHT TO A TRIAL BY JURY. The Employee
         acknowledges and agrees that this provision is a specific and material
         aspect of the agreement between the parties and The Bank would not
         enter into this Agreement with the Employee if this provision were not
         part of the Agreement.

10.      This Agreement shall be governed, constructed and enforced in
         accordance with the laws of the State of Tennessee.

11.      This Agreement will not be affected by the Employee's disability,
         incompetence, or incapacity and is binding on the Employee, the
         Employee's estate, and those



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         with authority to act on the Employee's behalf. It is also binding on
         any organization that may succeed The Bank's interests.

12.      The Bank's failure to enforce a breach of this Agreement will not
         constitute a waiver of The Bank's right to enforce any other breach of
         this Agreement.

13.      If any part of this Agreement shall be held invalid or unenforceable,
         that part shall be deemed modified as necessary to make it effective,
         and the remaining provisions of this Agreement shall remain in effect.

14.      The Employee understands that The Bank is relying on the
         representations and agreements evidenced herein and in the Promissory
         Note, and that this Agreement and the Promissory Note incorporate the
         entire understanding between the Employee and The Bank on the subject
         matter covered by this Agreement and may not be changed except by a
         writing signed by a duly authorized officer of The Bank and the
         Employee.

15.      The Employee acknowledges that the Employee was given the opportunity
         to read this Agreement and to seek the assistance of counsel before the
         Employee decided to accept employment by The Bank and to sign this
         Agreement.

IN WITNESS WHEREOF, the parties have caused this Bonus Agreement to be executed
as of the date first hereinabove written.



/s/Harold J. Castner                /s/Pamela F. Morris
-----------------------------       -----------------------------------
Witness                             Employee


ATTEST:                             THE BANK OF NASHVILLE


/s/Joan B. Marshall, SVP            By:  /s/Mack S. Linebaugh, Jr.
-----------------------------       -----------------------------------

                                    Title:  President
                                            ---------------------------








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                                                                       EXHIBIT A

$102,119.96                                                        July 24, 1998
                                                            Nashville, Tennessee

                                 PROMISSORY NOTE

1.       FOR VALUE RECEIVED, Pamela F. Morris promises to pay to the order of
         The Bank of Nashville, Nashville, Tennessee (the "Bank"), the principal
         sum of One Hundred Two Thousand One Hundred Thirteen and 96/100 Dollars
         ($102,119.96). Principal shall be due and payable in thirteen (13)
         equal quarterly installments of Seven Thousand Two Hundred Ninety Four
         and 28/100 dollars ($7,294.28)followed by one final quarterly
         installment of Seven Thousand Two Hundred Ninety Four and 32/100
         dollars ($7,294.32), with said payments beginning on the last day of
         each calendar quarter beginning September 30, 1998.

2.       The Maker may prepay this Promissory Note (this "Note") in whole at any
         time or in part from time to time without premium or penalty; provided
         that (a) each partial prepayment shall be in an amount not less than
         $500, and (b) partial prepayments of this Note shall be applied to the
         principal installments due in the inverse order of their maturity.

3.       The occurrence of any one or more of the following events shall
         constitute a default under the provisions of this Note, and the term
         "Default" shall mean, whenever it is used in this Note, any one or more
         of the following events:

         a.       The Maker's employment with the Bank terminates for any reason
                  other than death, whether involuntary or voluntary and for
                  whatever cause or no cause;

         b.       If proceedings in bankruptcy, or for reorganization of the
                  Maker, or for the readjustment of any of the Maker's debts,
                  under the United States Bankruptcy Code (as amended) or any
                  part thereof, or under any other applicable laws, whether
                  state or federal, for the relief of debtors, now or hereafter
                  existing, shall be commenced against or by the Maker and,
                  except with respect to any such proceedings instituted by the
                  Maker, shall not be discharged within thirty (30) days of
                  their commencement; and/or

         c.       A receiver or trustee shall be appointed for the Maker or for
                  any substantial part of the Maker's assets, or any proceedings
                  shall be instituted for the dissolution or the full or partial
                  liquidation of the Maker and, except with respect to any such
                  appointments requested or



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                  instituted by the Maker, such receiver or trustee shall not be
                  discharged within thirty (30) days of his or her appointment
                  and, except with respect to any such proceedings instituted by
                  the Maker, such proceedings shall not be discharged within
                  thirty (30) days of their commencement.

4.       If any Default shall occur and be continuing, the Bank may declare the
         unpaid principal amount of this Note, together with accrued and unpaid
         interest thereon, to be immediately due and payable, whereupon the same
         shall become and be forthwith due and payable by the Maker to the Bank,
         without presentment, demand, protest or notice of any kind, all of
         which are expressly waived by the Maker; provided, that, in the case of
         any Default referred to in subparts 3(b) and 3(c) above, the unpaid
         principal amount of this Note, together with accrued and unpaid
         interest thereon, shall be automatically and immediately due and
         payable by the Maker to the Bank without notice, presentment, demand,
         protest or other action of any kind, all of which are expressly waived
         by the Maker. Upon the occurrence and during the continuation of any
         Default, then, in each and every case, the Bank shall be entitled to
         exercise in any jurisdiction in which enforcement thereof is sought,
         the rights and remedies available to the Bank under the provisions of
         this Note and under applicable law.

5.       All payments and prepayments of the unpaid balance of the principal
         amount of this Note, interest thereon and any other amounts payable
         hereunder shall be paid in lawful money of the United States of America
         in immediately available funds during regular business hours of the
         Bank at the Bank's office at 401 Church Street, Nashville, Tennessee
         37219, or at such other place as the Bank or any other holder of this
         Note may at any time or from time to time designate in writing to the
         Maker.

6.       In the event of a Default, the Bank shall have the right, without
         giving notice, to withhold from any salary, commissions or other
         compensation due to the Maker, or from any funds that the Maker
         maintains in any accounts at the Bank, any or all of the principal and
         interest due on this Note. If the Bank withholds salary, commissions or
         other compensation, or if funds are withheld from the Maker's accounts
         at the Bank, they shall be used to offset any amounts due the Bank
         under this Note. Maker shall remain liable for the balance of any
         amount that remains due under this Note.

7.       If this Note is forwarded to an attorney for collection after maturity
         hereof (whether by acceleration or otherwise), the Maker shall pay to
         the Bank on demand all costs and expenses of collection, including
         attorney's fees. without limiting the foregoing, Maker's obligation to
         pay all costs and expenses of




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         collection shall include all costs and expenses incurred by the Bank if
         the Bank is determined to be the prevailing party with respect to any
         claim or counterclaim asserted by Maker against the Bank in any action
         involving the Bank's attempts to collect amounts due under this Note.

8.       The Maker waives presentment, protest and demand, notice of protest,
         demand and dishonor and notice of nonpayment of this Note. The Bank
         may, without compromising, impairing, modifying, diminishing or in any
         way releasing or discharging, the Maker from the Maker's obligations
         hereunder and without notifying or obtaining the prior approval of the
         Maker at any time or from time to time: (a) grant extension of time for
         payment or performance by the Maker, or (b) release, substitute,
         exchange, impair, surrender, dispose of or add any collateral which is
         security for this Note.

9.       No delay in the exercise of, or failure to exercise, any right, remedy
         or power accruing upon any Default or failure of the Maker in the
         performance of any obligation under this Note shall impair any such
         right, remedy or power or shall be construed to be a waiver thereof,
         but any such right, remedy or power may be exercised from time to time
         and as often as may be deemed by the Bank expedient. If a Default
         occurs under this Note, and such Default should thereafter be waived by
         the Bank, such waiver shall be limited to the particular Default so
         waived.

10.      The rights and remedies of the Bank under this Note shall be cumulative
         and concurrent and may be pursued singularly, successively or together
         at the sole discretion of the Bank, and may be exercised as often as
         occasion therefor shall occur, and the failure to exercise any such
         right or remedy shall in no event be construed as a waiver or release
         of the same or any other right or remedy. By accepting full or partial
         payment after the due date of any amount of principal or of interest on
         this Note, the Bank shall not be deemed to have waived the right either
         to require prompt payment when due and payable of all other amounts of
         principal or of interest on this Note or to exercise any remedies
         available to it in order to collect all such other amounts due and
         payable under this Note.

11.      If any provision or part of any provision of this Note shall, for any
         reason, be held invalid, illegal or unenforceable in any respect, such
         invalidity, illegality or unenforceability shall not affect any other
         provision (or any remaining part of any provision) of this Note and
         this Note shall be construed as if such invalid, illegal or
         unenforceable provision (or part thereof) had never been contained in
         this Note, but only to the extent of its invalidity, illegality or
         unenforceability.




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12.      This Note is subject to the terms and conditions of that certain
         Financial Advisor Promissory Note Repayment Agreement between Bank and
         Maker to which this Note is attached as Exhibit A.

13.      This Note shall be governed, construed and interpreted strictly in
         accordance with the laws of the State of Tennessee. The Maker agrees to
         stipulate in any future proceeding that this Note is to be considered
         for all purposes to have been executed and delivered within the
         geographical boundaries of the State of Tennessee, even if it was, in
         fact, executed and delivered elsewhere.

         THE MAKER ACKNOWLEDGES THAT IT HAS HAD THE ASSISTANCE OF COUNSEL IN THE
         REVIEW AND EXECUTION OF THIS NOTE.


         IN WITNESS WHEREOF, the Maker has caused this Note to be executed in
         his name and under his seal on the day and year first written above.


WITNESS:


/s/Harold J. Castner                                /s/Pamela F. Morris
----------------------                              ----------------------
                                                          (Name)








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