EXHIBIT 10.1








SIXTH AMENDMENT TO CREDIT AGREEMENT





THIS SIXTH AMENDMENT TO CREDIT AGREEMENT (this Amendment) dated as of May 31, 2002 but executed on June 5, 2002 is
entered into by ALABAMA NATIONAL BANCORPORATION, a Delaware corporation (the Borrower) and AMSOUTH BANK, an Alabama banking corporation and formerly known as AmSouth Bank of Alabama (the Lender).





Recitals





A.  The Borrower and the Lender have entered into a Credit Agreement dated as of December 29, 1995 as amended by a First Amendment thereto dated as of January 20, 1997, a Second Amendment thereto dated as of
January 19, 1998, a Third Amendment thereto dated as of May 31, 1999, a Fourth Amendment thereto dated as of May 31, 2000 and a Fifth Amendment thereto dated as of May 31, 2001 (as so amended, the Agreement).





B.  The Borrower and the Lender now desire to further amend the definition of Facility Termination Date and to make
the other changes set forth in this Amendment.





Agreement





NOW, THEREFORE, in consideration of the recitals and the mutual obligations and covenants contained herein, the Borrower and the
Lender hereby agree as follows:





1.  Capitalized terms used in this Amendment and not otherwise defined
herein have the respective meanings attributed thereto in the Agreement.





2.  The defined term
Facility Termination Date set forth in Article I of the Agreement is hereby further amended to read, in its entirety, as follows:





Facility Termination Date means May 31, 2003, as such date may be extended from time to time pursuant to Section 2.5 or accelerated pursuant to Section 7.2.





3.  Notwithstanding the execution of this Amendment, all of the indebtedness evidenced by the Note shall remain in full force
and effect, as modified hereby, and all of the collateral described in the Agreement and the Credit Documents shall remain subject to the liens, security interests and assignments of the Agreement and the Credit Documents as security for the
indebtedness evidenced by the Note and all other indebtedness described therein; and nothing contained in this Amendment shall be construed to constitute a novation of the indebtedness evidenced by the Note or to release, satisfy, discharge,
terminate or otherwise affect or impair in any manner whatsoever (a) the validity or enforceability of the indebtedness evidenced by the Note; (b) the liens, security interests, assignments and conveyances effected by the Agreement or the Credit
Documents, or the priority thereof; (c) the liability of any maker, endorser, surety, guarantor or other person that may now or hereafter be liable under or on account of the Note or the Agreement or the Credit Documents; or (d) any other security




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or instrument now or hereafter held by the Lender as security for or as evidence of any of the above-described indebtedness.





4.  All references in the Credit Documents to Credit Agreement shall refer to the Agreement as amended by
this Amendment, and as the Agreement may be further amended from time to time.





5.  The Borrower
certifies that the organizational documents of the Borrower have not been amended since May 31, 1999.





6.  The Borrower hereby represents and warrants to the Lender that all representations and warranties contained in the Agreement are true and correct as of the date hereof (except representations and warranties that are
expressly limited to an earlier date); and the Borrower hereby certifies that no Event of Default nor any event that, upon notice or lapse of time or both, would constitute an Event of Default, has occurred and is continuing.





7.  Except as hereby amended, the Agreement shall remain in full force and effect as written. This Amendment may be
executed in one or more counterparts, each of which shall be deemed an original, and all of which when taken together shall constitute one and the same instrument. The covenants and agreements contained in this Amendment shall apply to and inure to
the benefit of and be binding upon the parties hereto and their respective successors and permitted assigns.





8.  Nothing contained herein shall be construed as a waiver, acknowledgment or consent to any breach of or Event of Default under the Agreement and the Credit Documents not specifically mentioned herein, and the consents
granted herein are effective only in the specific instance and for the purposes for which given.





9.  This Amendment shall be governed by the laws of the State of Alabama.





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IN WITNESS WHEREOF, the Borrower and the Lender have caused this Amendment
to be executed and delivered by their duly authorized corporate officers as of the date set forth below their signature.





ALABAMA NATIONAL BANCORPORATIONBy

/S/ WILLIAM E. MATTHEWS, VIts Executive Vice President & Chief Financial OfficerDated: June 5, 2002





AMSOUTH BANKBy

/S/ JOHN M. KETTIGIts Senior Vice PresidentDated: June 5, 2002