EXHIBIT 10.28

SouthTrust
      Guaranty Agreement
SouthTrust Bank
ST Cap Fundssm



GUARANTOR:                                      SECURED PARTY:
[Last Name(s) first, if individual]

John B. Gallagher                                    SouthTrust Bank
Post Office Box 2554
Birmingham, Alabama 35290
Attn: Asset Based Lending Department
City        County            State Zip




      THIS AGREEMENT made this           day of October, 2000 by the above_named
Guarantor (the "Guarantor"); to SOUTHTRUST BANK (the "Bank").


      R E C I T A L S

      American Micro Computer Center, Inc., a Florida corporation, (the
"Borrower"), has requested that the Bank loan to Borrower the sum of One Million
Five Hundred Thousand Dollars ($1,500,000), (the "Loan"), to be evidenced by one
or more Promissory Notes (the "Promissory Notes") payable by Borrower to Bank
according to their respective terms, and such other documents and instruments as
are more particularly described in the Promissory Notes, and secured by the Loan
Agreement of even date herewith between Borrower and Bank (the "Loan Agreement")
and by the Loan Documents, security agreements and other collateral documents
referred to in the Promissory Notes and in the Loan Agreement. Capitalized terms
used herein and not otherwise defined shall have the respective meanings
ascribed to them in the Loan Agreement. Said definitions shall continue to be
applicable to this Guaranty Agreement notwithstanding payment of the Loan or
termination of the Loan Agreement for any other reason. As a condition to making
the Loan, the Bank has required that the Guarantor guarantee the Loan and
certain other obligations of Borrower, on the terms and conditions set forth
herein. Guarantor is a shareholder or affiliate of Borrower.


      AGREEMENT

      NOW, THEREFORE, in consideration of the foregoing recitals, as an
inducement to the Bank to make the Loan to Borrower, and as security for the
Obligations (as defined in the Loan Agreement), including, but not limited to
(a) the payment of the principal, interest and other charges pursuant to the
Promissory Note(s) evidencing the Loan (as the same may hereafter be extended,
renewed, modified, or amended), (b) the payment of all expenses, charges and
other amounts from time to time owing to Bank pursuant to the Promissory Notes,
the Loan Agreement, and the other Loan Documents and (c) the performance of all
covenants, agreements and other obligations from time to time owing to, or for
the benefit of, Lender pursuant to the Loan Documents, the Guarantor agrees,
covenants and represents as follows:

      1.  Guarantor  hereby  unconditionally  guarantees  to the  Bank  the due,
regular and punctual payment and performance of the  Obligations,  together with
any other sum or sums of money which any Borrower now owes the Bank or from time


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to time  hereafter  shall  owe the  Bank,  whether  evidenced  by notes or other
instruments,  or by open  account or  otherwise,  and whether it  represents  an
original balance, a balance reduced by part payment,  or a deficiency after sale
of  collateral,  an  extension or renewal of an original  debt,  or otherwise in
connection  with the Loan.  The Guarantor  hereby  further  guarantees  the due,
regular  and  punctual  payment  and  prompt  performance  of any other  debt or
obligation  of any  kind or  character  of any  Borrower  to the  Bank.  Without
limiting  the  foregoing,  the  Guarantor  guarantees  the  obligations  of  any
Borrower,  as provided in the Loan Agreement and the Loan Documents to indemnify
and to save the Bank  harmless from the  occurrences  set forth in Article XI of
said  Agreement.  Notwithstanding  any other  provision of this  Agreement,  the
Guarantor agrees that its guaranty of the obligations described in the preceding
sentence shall survive  indefinitely and shall not be extinguished by payment in
full of the  Obligations or foreclosure by the Bank under the Loan Agreement and
the Loan  Documents  or  exercise  of any other  rights  under  said  documents.
Further,  the Guarantor  guarantees  the payment of all costs,  attorney fees or
expenses  which may be  incurred  by the Bank by  reason of an Event of  Default
under  the  Loan  Agreement  or a  default  of  any  Borrower  under  any  other
Obligations.

      In the event of an Event of Default under the Loan Agreement or any
default by the Borrower in the payment or performance of any other Obligations,
the Guarantor unconditionally promises to pay to the Bank such amounts as are
necessary to cure the default, or, at the option of the Bank, the Guarantor
agrees to pay the entire indebtedness owed the Bank by the Borrower at the time
of default.

      This guaranty is an unconditional guaranty. Guarantor agrees that the
Bank, in the event of an Event of Default under the Loan Agreement or a payment
or performance default of the Borrower under any other Obligation, shall not be
required to assert any claim or cause of action against the Borrower or any
other guarantor before asserting any claim or cause of action against the
Guarantor under this Agreement. Furthermore, the Guarantor agrees that the Bank
shall not be required to pursue or foreclose on any collateral that it may
receive from the Borrower, the Guarantor or others as security for any
Obligations before making a claim or asserting a cause of action against the
Guarantor under this Agreement.

      The failure of the Bank to perfect any portion of its security interest,
or to maintain perfection of its security interest, in the collateral as set
forth in the Loan Agreement, the Loan Documents, or any other collateral now or
hereafter securing all or any part of the Obligations, shall not release the
Guarantor from its liabilities and obligations hereunder.

      Notice of acceptance of this Guaranty and of any default by the Borrower
is hereby waived by the Guarantor. Presentment, protest, demand, and notice of
protest and demand of any and all collateral, and of the exercise of possessory
remedies or foreclosure on any and all collateral received by the Bank from the
Borrower or the Guarantor are hereby waived. All settlements, compromises,
compositions, accounts stated and agreed balances in good faith between any
primary or second obligors on any accounts received as collateral shall be
binding upon the Guarantor.

      This guaranty shall not be affected, modified, or impaired by any sale or
other disposition (whether voluntary or pursuant to the exercise of a purchase
option or similar right) of any Guarantor's interest in the Borrower, the
voluntary or involuntary liquidation, dissolution, sale or other disposition of
all or substantially all of the assets, marshaling of assets and liabilities,
receivership, insolvency, bankruptcy, assignment for the benefit of creditors,
reorganization, arrangements, composition with creditors or readjustment of, or
other similar proceedings affecting the Borrower or the Guarantor or any other
guarantor, or any of the assets belonging to one or more of them, nor shall this
guaranty be affected, modified or impaired by the invalidity of the Promissory
Notes, the Loan Agreement, the Loan Documents, or any other document executed by
the Borrower or the Guarantor or any other guarantor in connection with the
Loan.

      Without notice to the Guarantor, without the consent of the Guarantor, and
without affecting or limiting the Guarantor's liability hereunder, the Bank may:

      (a) grant the Borrower  extensions of time for payment of the  Obligations
or any part thereof;

      (b) renew any of the Obligations;


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      (c) grant the Borrower extensions of time for performance of agreements or
other indulgences;

      (d) at any time release any or all of the  collateral  held by the Bank as
security for the Obligations;

      (e) at any  time  release  any  one or  more of the  guarantors  from  any
guaranty existing with respect to the Obligations;

      (f)  compromise,   settle,  release,  or  terminate  any  or  all  of  the
obligations,  covenants,  or  agreements  of the Borrower  under the  Promissory
Notes, the Loan Agreement or any Loan Document; or

      (g) modify or amend any obligation,  covenant or agreement of the Borrower
set forth in any one or more of the Promissory Notes or the Loan Agreement.

      This guaranty shall not terminate and may not be terminated by the
Guarantor until such time as all Obligations, including any renewals or
extensions thereof, have been paid in full and such payments of the Obligations
have become final and are not subject to being refunded as a preference or
fraudulent transfer or rescinded under the Bankruptcy Code or other applicable
law. If any collateral secures this guaranty at any time, Bank shall not be
required to release such collateral unless and until Bank is satisfied that such
payments of the Obligations are not subject to refund or rescission.
Furthermore, to the extent the Loan Documents contain Obligations of Borrower
under which the terms of Loan Documents survive payment of the Loan, foreclosure
under the Loan Documents or receipt by Bank of a deed in lieu of foreclosure
(including any environmental indemnities with respect to the collateral
described in the Loan Documents), such Obligations are deemed guaranteed herein,
and the Guarantor's guaranty thereof shall likewise continue indefinitely
notwithstanding payment in full of all Obligations then outstanding. If this
instrument is returned to Guarantor or marked "canceled" or marked with words of
similar import, or if Bank shall issue any instrument of termination to any
Guarantor in connection herewith, such cancellation or termination by Bank shall
be deemed to be subject to the right of Bank to thereafter reinstate the
guarantees herein and enforce this guaranty against Guarantor for Obligations
(including such an environmental indemnity) which were either unknown or in an
unliquidated amount at the time of such return or cancellation.

      2. The Guarantor represents and warrants to Bank and covenants with Bank
as follows:

      (a) Guarantor has full power and unrestricted right to enter into this
Agreement, to incur the obligations provided for herein, and to execute and
deliver the same to Bank, and that when executed and delivered, this Agreement
will constitute a valid and legally binding obligation of the Guarantor,
enforceable in accordance with its terms.

      (b) Its financial statements that have been furnished to the Bank are
complete and correct and fairly present its financial condition as of the date
or dates indicated. There has been no material adverse change in its financial
condition since the date of its most recent financial statement furnished to the
Bank.

      3. The Guarantor covenants and agrees that so long as the Obligations are
outstanding, it will from time to time upon request, furnish to Bank such
information regarding the business, affairs and financial condition of the
Guarantor and its properties in such detail as the Bank may reasonably request,
including, without limitation, cash flow statements and supporting documentation
showing all income and expense of Guarantor, and copies of income tax returns of
Guarantor (which shall be submitted to Bank on an annual basis as the same
become available). Guarantor will furnish to the Bank, within ninety (90) days
after the end of each calendar year, a financial statement in form satisfactory
to the Bank prepared as of the end of the calendar year just ended. Guarantor
covenants that during the term hereof it will pay or cause to be paid as they
become due and payable all taxes, assessments and other governmental charges
lawfully levied or assessed or imposed upon it or its properties or any part
thereof or upon any income therefrom.

      4. The Guarantor hereby agrees not to exercise any right of subrogation,
indemnification, or other right of contribution, recourse, or reimbursement from


<PAGE>


the Borrower or any other right to payment from the Borrower arising out of or
on account of any sums paid or agreed to be paid by the Guarantor under this
Agreement, whether any such right is reduced to judgment, liquidated,
unliquidated, fixed, contingent, matured, unmatured, disputed, undisputed,
secured or unsecured, until such time as the Obligations are indefeasibly paid
in full and not subject to being set aside by the order of a bankruptcy court or
other course of competent jurisdiction. Guarantor further waives all rights in
any collateral heretofore, now, or hereafter given to Guarantor by Borrower to
the extent the same may in any way impair or delay Bank's ability to exercise
its rights pursuant to this Agreement.

      5. If Borrower is or shall hereafter be indebted to Bank for any
obligations, liability or indebtedness other than the Obligations, and Bank
should collect or receive any payments, funds or distributions which are not
specifically required, by law or agreement, to be applied to the Obligations,
Bank may, in its sole discretion, apply such payments, funds or distributions to
indebtedness of Borrower other than the Obligations.

      6. This Agreement shall be binding upon, and inure to the benefit of, the
Guarantor, the Bank and their respective heirs, legal representatives,
successors and assigns.

      7. The validity, interpretation, enforcement and effect of this Agreement
shall be governed by, and construed according to the laws of, the State of
Florida.

      8. In the event that any provision hereof is deemed to be invalid by
reason of the operation of any law or by reason of the interpretation placed
thereon by any court, this Agreement shall be construed as not containing such
provisions and the invalidity of such provisions shall not affect other
provisions hereof which are otherwise lawful and valid and shall remain in full
force and effect.

      9. Any notice or payment required hereunder or by reason of the
application of any law shall be deemed to have been duly given (a) if delivered
in person, (b) if mailed by certified or registered mail, postage prepaid,
return receipt requested, or (c) if sent by Federal Express or overnight United
States Mail or other national overnight carrier, and in each case addressed to
the parties hereto at their respective addresses set forth on the first page
hereof, or to such other address as either party hereto shall designate to the
other in a written notice, given as herein provided.

      10. The failure at any time or times hereafter to require strict
performance by the Guarantor of any of the provisions, warranties, terms and
conditions contained herein or in any other agreement, document or instrument
now or hereafter executed by the Guarantor and delivered to the Bank shall not
waive, affect or diminish any right of the Bank hereafter to demand strict
compliance or performance therewith and with respect to any other provisions,
warranties, terms and conditions contained in such agreements, documents and
instruments, and any waiver of any default shall not waive or affect any other
default, whether prior or subsequent thereto and whether of the same or a
different type. None of the warranties, conditions, provisions and terms
contained in this Agreement or in any agreement, document or instrument now or
hereafter executed by the Guarantor and delivered to the Bank shall be deemed to
have been waived by any act or knowledge of the Bank, its agents, officers or
employees, but only by an instrument in writing, signed by an officer of the
Bank, and directed to Guarantor specifying such waiver.

      11. If, at any time or times hereafter, the Bank employs counsel to advise
or provide other representation with respect to this Agreement or any other
agreement, document or instrument heretofore, now or hereafter executed by the
Guarantor and delivered to the Bank with respect to the Borrower or the
Obligations or to commence, defend or intervene, file a petition, complaint,
answer, motion or other pleadings or to take any other action in or with respect
to any suit or proceeding relating to this Agreement or any other agreement,
instrument or document heretofore, now or hereafter executed by the Guarantor
and delivered to the Bank with respect to the Borrower or the Obligations, then
in any such event, all of the attorneys' fees arising from such services and any
expenses, costs and charges relating thereto shall constitute additional
obligations of the Guarantor payable on demand.

      12. This Agreement constitutes the entire agreement and supersedes all
prior agreements and understandings, both oral and written, between the
Guarantor and the Bank with respect to the subject matter hereof. This Agreement
may be executed in any number of counterparts, each of which shall be deemed an
original, but such counterparts together shall constitute one and the same
instrument.


<PAGE>


      13. Any indebtedness of Borrower now or hereafter held by Guarantor is
hereby subordinated to the indebtedness of Borrower to Bank and such
indebtedness of Borrower to Guarantor if Bank so requests shall be collected,
enforced and received by Guarantor as trustee for Bank and be paid over to Bank
on account of the indebtedness of Borrower to Bank without reducing or affecting
in any manner the liability of Guarantor under the other provisions of this
guaranty.

      14. Guarantor and Bank hereby waive any right to trial by jury on any
claim, counterclaim, setoff, demand, action or cause of action (a) arising out
of or in any way pertaining or relating to this Agreement, the Loan Agreement,
the Loan Documents (as defined in the Loan Agreement), the Loan, the Promissory
Notes, and the Obligations, or any other instrument, document or agreement
executed or delivered in connection with said documents or transactions or (b)
in any way connected with or pertaining or related to or incidental to any
dealings of the parties hereto with respect to this Agreement, the Loan
Agreement, the Loan Documents (as defined in the Loan Agreement), the Loan, the
Promissory Notes, and the Obligations, or any other instrument, document or
agreement executed or delivered in connection herewith or in connection with the
transactions related thereto or contemplated thereby or the exercise of either
party's rights and remedies thereunder, in all of the foregoing cases whether
now existing or hereafter arising, and whether sounding in contract, tort or
otherwise. Guarantor and Bank agree that either or both of them may file a copy
of this paragraph with any court as written evidence of the knowing, voluntary
and bargained agreement between the parties irrevocably to waive trial by jury,
and that any dispute or controversy whatsoever between them shall instead be
tried in a court of competent jurisdiction by a judge sitting without a jury.

      IN WITNESS WHEREOF, the Guarantor has executed this Guaranty on the day
and year first above written.




John B. Gallagher



STATE OF                      )
                              )
COUNTY OF                     )

      I,                            , a Notary Public in and for said County in
said State, hereby certifythat John B. Gallagher, whose name is signed to the
foregoing instrument, and who is known to me, acknowledged before me on this day
that, being informed of the contents of such instrument, he executed the same
voluntarily on the day the same bears date.

      Given under my hand and seal, this _____ day of ___________, 2000.




                                    NOTARY PUBLIC
(SEAL)

                                    My Commission Expires: