Exhibit 10n

                       SEVERANCE AND CONSULTING AGREEMENT

             The Severance and Consulting  Agreement is made and entered into by
and between Joseph H. Rubin  (hereinafter  "Consultant") and Abrams  Industries,
Inc., its allied and affiliated companies (hereinafter "the Company").

                              W I T N E S S E T H:

             WHEREAS, Consultant is presently employed by the Company; and

             WHEREAS,  Consultant and the Company  mutually  desire to sever the
employment  relationship  effective  July 13, 1999 amicably by entering into the
severance arrangements stated in this agreement;

             WHEREAS,  Consultant  acknowledges  and agrees that his  employment
relationship  with the Company is being severed under  circumstances in which he
would not  qualify  for  receipt  of any  severance  benefits  under The  Abrams
Industries,  Inc. Salaried  Employees  Severance Plan and that the provisions of
this Agreement  constitute the sole and exclusive source of any  post-employment
benefits from the Company;

             WHEREAS,  Consultant  acknowledges  that  he has  been  advised  in
writing to consult  with an attorney  and that he has been  afforded  twenty-one
(21) days in which to consider the terms of this Agreement; and

             WHEREAS, Consultant has obtained all advice and counsel he needs to
understand each of the terms and conditions of this Agreement;

         NOW, THEREFORE,  in consideration of the special monetary consideration
and mutual promises stated in this document, it is agreed as follows:

         1. At  reasonable  times during the period  beginning  with the date of
execution of this document and continuing  for eighteen (18) months  thereafter,
unless  terminated  earlier,  Consultant  shall be available to consult with the
Company  concerning  professional  and other  matters  within his  knowledge  or
expertise, including specifically the knowledge or expertise Consultant obtained
as a result of his past employment at the Company. Consultant shall provide such
consulting  services as the Company may direct.  Consultant shall not enter into
any oral or written  agreements  on behalf of the  Company  unless  specifically
authorized  in writing to do so by an  Executive  Officer of Abrams  Industries,
Inc. The consulting  arrangement  stated herein shall end in accordance with the
provisions of paragraph (3) below.

         2.  Consultant  understands  and agrees that,  after July 13, 1999,  he
shall not be  considered  to be an  employee  of the Company and that during the
term of this Agreement,  he shall be classified as an independent contractor and
that he shall be wholly and  exclusively  responsible  for all taxes,  including
FICA and  federal  and state  income  taxes on sums paid under  this  Agreement.
Except for the payments  and  benefits  provided  herein and  previously  vested
profit  sharing  distributions,  Consultant  shall not be eligible for any other
payments  or  benefits,  such as  future  profit  sharing  distributions  or any
Company-sponsored  medical or insurance benefits, that are or may be provided to


                                      -2-
<PAGE>

Company  employees.  Subject  to  any  COBRA  benefits  elections  made  at  the
commencement of this Agreement in accordance with normal Company practices,  and
except as outlined below, Consultant shall be wholly and exclusively responsible
for his own medical, life, and other insurance coverages.

         3. This Agreement  shall terminate  automatically  eighteen (18) months
after  the  date  of  its  execution.   This  Agreement   shall  also  terminate
automatically in the event of any revocation by Consultant of the understandings
expressed  herein.  The Company may terminate  this  Agreement for Cause.  Cause
shall include the following:  actions or statements  that disparage or criticize
the  Company or its  affiliates  or their  officers,  directors,  employees  and
agents;  failure to  cooperate  fully with the Company in  providing  consulting
services  under this  Agreement;  actions  that damage the  Company's  business,
including,  but  not  limited  to any  action  which  interferes  with  existing
contractual or employment relationships with customers or Company employees; the
filing of any claim, charge or suit against the Company or its affiliates or any
of their past or present officers,  directors or employees other than for breach
of this  Agreement;  material  breach of any  provision  of this  Agreement;  or
dishonesty or other misconduct  involving the performance of Consultant's duties
under this Agreement.

         4.  Consultant  agrees  never to take any action  which  disparages  or
criticizes the Company or any of its officers, directors,  employees and agents,
or its management  practices or which disrupts or impairs its normal operations,
including  actions  that would  result in the filing of any claims,  lawsuits or
charges  against the Company as a result of anything that has occurred up to and
including the present date.

         5.  The  Company  agrees  that,  commencing  after  expiration  of  the
revocation period outlined below, it will:

              a)     Pay to Consultant  $16,000 per month  commencing on January
                     1, 2000 and continuing on the first day of each  subsequent
                     11 months until and  including  December 1, 2000,  and then
                     pay to Consultant a final payment of $108,000 on January 1,
                     2001.

              b)     If Consultant requests  reimbursement prior to December 31,
                     1999 for reasonable  legal fees incurred prior to that date
                     in  connection  with  negotiating  and  entering  into this
                     Agreement and provides documentation evidencing those fees,
                     the Company will pay up to $4,000 of the  reasonable  legal
                     fees. No legal fees incurred  after  December 31, 1999 will
                     be paid by the Company.

              c)     If the Consultant elects COBRA continuation  coverage,  the
                     Company  will pay all of the  Consultant's  COBRA  premium,
                     including the COBRA premium for  continuation  of dependent
                     coverage  currently  in  place.  This  COBRA  payment  will
                     continue  until the earlier to occur of: (1) eighteen  (18)
                     months following execution of this Agreement,  or (2) up to
                     and until Consultant  becomes eligible for coverage under a
                     group plan provided by another employer.


                                      -3-
<PAGE>

As an  independent  contractor,  Consultant  shall  be  wholly  and  exclusively
responsible for all taxes,  including FICA and federal and state income taxes on
these payments.

Also  commencing  after the expiration of the revocation  period outlined below,
the Company  agrees that the interest  payable  under the Deferred  Compensation
Agreement dated January 15, 1987 between Abrams  Industries,  Inc. and Joseph H.
Rubin shall be as calculated in Section 3 of such Agreement,  without  reference
to Section 5 of such Agreement.

         6. Except  claims for workers'  compensation  benefits,  vested  profit
sharing  benefits,  unpaid salary accrued through July 13, 1999, or the benefits
payable  under  paragraph  5  of  this  Agreement,  Consultant  irrevocably  and
unconditionally  releases,  acquits, and forever discharges the Company and each
of the Company's  officers,  directors,  employees  and agents,  and all persons
acting  by,  through  under  or  in  concert  with  any  of  them  (collectively
"Releasees"),  or any of them individually,  from any and all claims, losses, or
expenses  (including  attorney's  fees  and  legal  expenses),   of  any  nature
whatsoever,  whether known or unknown, which Consultant now has, has had, or may
hereafter claim to have had against the Releasees by reason of any matter,  act,
omission, cause or event that has occurred up to the present date.

              a)     This release specifically  includes,  but is not limited to
                     all  claims   arising  from  or  relating  in  any  way  to
                     Consultant's  employment  relationship  with the Company or
                     the termination of his employment, including any claims for
                     back pay,  losses or other  damages  to  Consultant  or his
                     property resulting from any alleged violation of municipal,
                     state or federal  law,  such as (but not limited to) claims
                     under Title VII of the Civil Rights Act of 1964,  42 U.S.C.
                     Section   2000e,   et.   seq.,   as  amended   (prohibiting
                                        --    ---
                     discrimination  on account of race, sex, national origin or
                     religion);   claims   under  the  Age   Discrimination   in
                     Employment  Act of 1967, 29 U.S.C.  Sections 621, et. seq.,
                                                                       -- ---
                     as amended (prohibiting  discrimination on account of age);
                     claims under the Employee Retirement Income Security Act of
                     1974, as amended (ERISA), 29 U.S.C. Section 1001, et. seq.;
                                                                       --  ---
                     claims under the Americans  with  Disabilities  Act of 1990
                     (ADA), 42 U.S.C.  Sections 12101-12213 (Supp. II 1990); and
                     any similar federal,  state or municipal law claim, whether
                     sounding  in  tort  or  contract,  relating  in any  way to
                     Consultant's employment.

              b)     In addition  to the  specific  claims  listed  above,  this
                     release also includes any and all claims,  whether known or
                     unknown,  which might have been  asserted by  Consultant in
                     any suit,  claim, or charge of  discrimination  against the
                     Releasees  for  or  on  account  of  any  matter  or  thing
                     whatsoever  that has occurred up to and  including the date
                     of this Agreement; and

              c)     Consultant expressly  acknowledges that this release may be
                     pled as a complete  defense  and will fully and finally bar
                     any such known or unknown claim or claims based on any acts
                     or omissions of the Releasees up to the present date.

                                      -4-
<PAGE>

         7. By signing this Agreement and accepting the benefits outlined above,
Consultant agrees that he will not hereafter pursue any individual claim against
the Company,  its  officers,  directors,  employees or agents in any  municipal,
state or  federal  court or  agency  (such as the Equal  Employment  Opportunity
Commission or the  Department of Labor) for or on account of anything  which has
occurred up to the present time as a result of his  employment or the end of his
employment  with the Company.  Consultant  also  understands and agrees that the
Company will have no obligation to re-employ him.

         8.  Consultant  understands  and agrees  that if he takes any action or
files any lawsuit in  violation  of the release  provisions  stated  above,  the
Company may at its option  terminate  his  eligibility  for any unpaid  benefits
under this Agreement and initiate appropriate action to recover all benefits and
moneys  previously paid to him as consideration  for his signing this Agreement.
Consultant  also  understands  that the Company  may recover any actual  damages
caused by his actions in violation of this Section 8, and he agrees to reimburse
the  Company or any other party  released  under this  Agreement  for any costs,
including reasonable attorneys' fees, incurred by them as a result of his breach
of this Section 8.

         9. While employed,  Consultant has learned and, during the term of this
Agreement,  Consultant will learn important  proprietary  information related to
the  Company's  business,  including,  but  not  limited  to,  confidential  and
proprietary information concerning corporate strategies,  proposals,  operations
and planning. Consultant acknowledges that the proprietary customer, operations,
financial,  and  business  information  that has been or will be learned (i) has
been and will be developed  through the  Company's  expenditure  of  substantial
effort,  time and money;  and (ii) together with  relationships  developed  with
customers  and  employees,  could be used to compete  unfairly  with the Company
during the  post-employment  period.  Because the  Company's  ability to provide
services on a competitive basis depends, in part, on its proprietary information
and customer  relationships,  the Company would not share such  information  and
promote  Consultant's  relationship  with customers if the Company believed that
Consultant   would  use  or  disclose  such   information  or  relationships  in
competition  with the  Company,  or if the Company  believed  that  Consultant's
relationship  with the  Company's  employees or  customers  would be used to the
detriment of Company.

         10. Consultant shall protect Confidential  Information from disclosure.
"Confidential  Information" is information  relating to the Company's customers,
operations,  finances,  and business that derives value from not being generally
known  to  others   (including   any   individual,   corporation,   partnership,
association,  unincorporated organization or other entity), and includes, but is
not  limited  to,  technical  or   non-technical   data,   formulas,   patterns,
compilations,  programs,  devices,  methods,  techniques,  drawings,  processes,
financial  data,  or  lists  of  actual  or  potential  customers  or  suppliers
(including  identifying  information  about  those  customers),  whether  or not
reduced to writing.  Confidential  Information includes information disclosed to
the  Company by third  parties  that the  Company is  obligated  to  maintain as
confidential.  Confidential  Information  subject to this  Agreement may include
information that is not a trade secret, but information that is not also a trade
secret  shall  constitute  Confidential  Information  only for two  years  after
termination of Consultant's  relationship with the Company.  Consultant will not
use, except in connection with work for Company, and will not disclose during or
after  Consultant's  relationship with the Company,  the Company's  Confidential
Information.  Upon the termination of this Agreement or for any reason or at any


                                      -5-
<PAGE>
time at the Company's  request,  Consultant will deliver promptly to Company all
materials,  documents,  plans, records, notes, or other papers and any copies in
Consultant's  possession  or  control  relating  in any  way  to  the  Company's
business, which at all times shall be the sole property of the Company.

         11.  Consultant  agrees that,  for a period of two (2) years  following
July 13, 1999, Consultant shall not, directly or indirectly,  solicit or attempt
to solicit  (i) any  customer of the Company  with whom  Consultant  had contact
during the term of his  employment  with the Company,  (ii) any person or entity
that has been a customer of the Company  during the three (3) years prior to the
date hereof and which the Consultant  directly or indirectly  supervised  others
servicing or  soliciting on behalf of the Company,  or (iii) any customer  about
whom Consultant possesses Confidential Information,  in each case to provide any
service or sell any product to such  customer that is identical to or reasonably
substitutable for any service or product available from the Company.

         12.  Consultant  agrees that,  for a period of two (2) years  following
July 13, 1999, Consultant shall not, directly or indirectly,  solicit or attempt
to  solicit   individuals  who  were   employees,   consultants  or  independent
contractors of the Company at the time of Consultant's termination of employment
to leave their employment with or engagement by the Company.

         13.  Consultant  understands and agrees that any breach of paragraphs 9
through 12 of this  Agreement may cause the Company great and  irreparable  harm
and that it would be difficult or  impossible  to  establish  the full  monetary
value of such damage. Consequently,  Consultant covenants and agrees that in the
event of any breach of these paragraphs of the Agreement,  the Company will have
the right to seek injunctive  relief to restrain any breach or threatened breach
or otherwise to specifically  enforce any provision of this  Agreement,  without
the posting of a bond or other security,  in addition to whatever other remedies
the Company may have.

         14. The covenants  contained in this Agreement  which,  by their terms,
require  their  performance  by the  Consultant  after the  expiration  or other
termination  of  this  Agreement,  shall  be  enforceable  notwithstanding  said
expiration or other termination of this Agreement for any reason whatsoever.

         15. Except as set forth below,  Consultant  further  agrees to keep the
terms, amount and fact of this Agreement completely confidential, and Consultant
will not  disclose  the  terms or amount  of the pay  arrangements  or any other
information about this Agreement to anyone,  including,  but not limited to, any
past,  present or future  employee or job  applicant of the  Company.  Moreover,
Consultant understands that despite this confidentiality  provision,  Consultant
may disclose this Agreement in obtaining legal or tax advice from an attorney or
accountant,  provided that the person or persons to whom Consultant makes such a
disclosure agrees to abide by this confidentiality provision. Consultant further
understands  that he may disclose this Agreement,  after  providing  appropriate
advance notice to the Company, if such disclosure is required by lawful judicial
process or by the Internal Revenue Service for tax purposes.



                                      -6-
<PAGE>

         16.  Consultant  represents  and  acknowledges  that in executing  this
Agreement,  Consultant  does  not  rely and has not  relied  upon  any  promise,
inducement,  representation  or  statement  made by the  Company or its  agents,
representatives or attorneys about the subject matter, meaning or effect of this
Agreement that is not stated in this document.

         17. For a period of up to and  including  seven (7) days after the date
Consultant  signs  this  Agreement,  he may  revoke  it  entirely.  No rights or
obligations  contained in this Agreement shall become enforceable before the end
of this  seven-day  revocation  period.  If  Consultant  decides  to revoke  the
Agreement, he will deliver a signed Notice of Revocation on or before the end of
this  seven-day  period.  Upon delivery of a timely Notice of  Revocation,  this
Agreement  shall be canceled and void and neither party to this Agreement  shall
have any rights or obligations arising under it.

         18. This Consulting  Agreement is made and entered into in the State of
Georgia,  and shall be  interpreted,  enforced  and  governed  under the laws of
Georgia.  The  language  of all  parts of this  Agreement  shall in all cases be
construed  as a whole,  according to its fair  meaning,  and not strictly for or
against any of the parties.

         19. If any provision of this Agreement is declared or determined by any
court to be illegal or invalid,  the validity of the remaining  parts,  terms or
provisions  shall not be  affected,  but the  illegal or invalid  part,  term or
provision shall be excluded from this Agreement.

         20. This Consulting  Agreement sets forth the entire agreement  between
the Consultant and the Company and fully supersedes any and all prior agreements
or understandings between them.

Consultant  understands  that this  Agreement must be signed and returned to the
Company without any alteration.  Any modifications or alteration of the terms of
this Agreement voids the Agreement in its entirety.

CONSULTANT FURTHER ACKNOWLEDGES AND AGREES THAT NO OTHER PROMISE OR AGREEMENT OF
ANY KIND HAS BEEN  MADE TO HIM BY THE  COMPANY  TO  CAUSE  HIM TO  EXECUTE  THIS
AGREEMENT AND THAT THE ONLY CONSIDERATION FOR HIS EXECUTION OF THIS AGREEMENT IS
SET FORTH  COMPLETELY AND FULLY IN THIS DOCUMENT.  CONSULTANT HAS CAREFULLY READ
THIS AGREEMENT, HE UNDERSTANDS ITS MEANING AND INTENT, AND HE VOLUNTARILY AGREES
TO ABIDE BY ITS  TERMS.  CONSULTANT  ACKNOWLEDGES  THAT THE  COMPENSATION  HE IS
ELIGIBLE TO RECEIVE IS ADEQUATE CONSIDERATION FOR HIS SIGNING THIS AGREEMENT AND
THAT HE HAS NOT BEEN  COERCED  INTO  SIGNING  THIS  AGREEMENT  AND HAS SIGNED IT
FREELY AND VOLUNTARILY. CONSULTANT FURTHER ACKNOWLEDGES RECEIVING A COPY OF THIS
AGREEMENT FOR HIS PERSONAL RECORDS.



                                      -7-



<PAGE>

                                            /s/ Joseph H. Rubin
                                           ---------------------------------
                                           JOSEPH H. RUBIN


                                           Date: 7/13/99
                                                 ----------------
Witnessed:


/s/ Diane Silverhawk
-------------------------------

Date:  7/13/99
     --------------------------             ABRAMS INDUSTRIES, INC.


                                            /s/ Alan R. Abrams
                                            ---------------------------------
                                            Date:  July 13, 1999
Witnessed:                                        -----------------

/s/ Melinda S. Garrett
-------------------------------
Date: 7/13/99
     --------------------------