EXHIBIT 10.18

                        ACQUISITION CONSULTING AGREEMENT

     THIS ACQUISITION  CONSULTING AGREEMENT (the "Agreement") is entered into as
of the 28th day of January,  1998 (the "Effective  Date") by and between CAPITAL
TITLE GROUP,  INC., a Delaware  corporation (the "Company" or "Capital  Title"),
and MILLER CAPITAL CORPORATION, an Arizona corporation ("MCC").

     In consideration of the mutual premises, covenants and undertakings set
forth herein, the parties hereby agree as follows:

I.   RESPONSIBILITIES OF MCC

     1.1  Subject  to the terms and  conditions  hereof,  Capital  Title  hereby
retains MCC to provide acquisition  consulting services to Capital Title and MCC
agrees to provide  such  services to Capital  Title.  MCC shall  assist with the
identification  of acquisition  candidates and with  negotiating and structuring
acquisitions all in accordance with Capital Title's expansion plans as may be in
effect from time to time.

     1.2  Capital  Title  acknowledges  and  understands  that MCC,  in order to
perform its  services  effectively  under this  Agreement,  requires  the prompt
receipt  of  all  material  information  with  respect  to  Capital  Title,  its
operations and prospects.  Accordingly, Capital Title agrees to furnish promptly
to MCC  copies of all  publicly  available  reports  and  filings  made with the
Securities  and  Exchange   Commission  (the  "SEC"),  all  communications  with
stockholders  (in the  stockholders'  capacity as a stockholder) and all reports
received from Capital  Title's  auditors that have  significance to the scope of
MCC's  services  hereunder;  provided,  however,  Capital  Title  shall  have no
obligation  to  provide  MCC with  any  information  that  Capital  Title  deems
confidential.  Capital Title recognizes the necessity of promptly  notifying MCC
of  all  material  developments  concerning  Capital  Title,  its  business  and
prospects  and to supply MCC with  sufficient  information  necessary for MCC to
make a determination as to its compliance with its own procedures as well as any
legal  requirements.  MCC agrees that it shall keep confidential all information
received  from Capital  Title until such time that MCC is  authorized to release
such information.

II.  COMPENSATION

     In the event the Company  effectuates  a corporate  restructuring,  merger,
joint  venture,  or  acquisition  during the term hereof,  or such a transaction
occurs on or prior to one year from the date of  termination  of this  Agreement
(irrespective  of any  reason for such  termination),  then the  Company  hereby
agrees  to pay the  following  consideration,  which  payment  shall  be due and
payable  eighty (80%)  percent in cash and twenty (20%)  percent in common stock
(with registration rights) on the date of any such closing with respect thereto:
<PAGE>

Capital Title Group, Inc.
Acquisition Consulting Agreement
January 28, 1998

          5% of the consideration from $1 and up to $2,000,000, plus
          4% of the consideration in excess of $2,000,000 and up to 
          $10,000,000, plus
          3% of the consideration in excess of $10,000,000 and up to
          $20,000,000, plus
          2% of the consideration in excess of $20,000,000 and up to
          $30,000,000, plus
          1% of the consideration in excess of $30,000,000.

III. EXPENSE REIMBURSEMENT

     Capital  Title agrees to  reimburse  MCC for all  reasonable  out-of-pocket
expenses  including  but not limited to, the cost of  telephone  calls,  travel,
facsimile transmissions, translation, interpretation, paper duplication, postage
and  delivery  services,  or fees of counsel,  incurred in  connection  with the
performance  by Miller of its  duties as  contemplated  by this  Agreement.  All
out-of-town   travel,   counsel  or  third  party  consultant  fees,  and  other
significant expenses over $1,000 will be approved by Capital Title in advance.

IV.  TERM

     The term of this Agreement shall be for two years commencing as of the date
first written above and terminating one day prior to the 2nd anniversary hereof.
Thereafter,  this Agreement  shall be renewed for subsequent two year terms upon
mutual agreement of the parties.

V.   ASSIGNMENT AND TRANSFER OF OBLIGATIONS

     In the event that  Capital  Title  transfers  or  otherwise  conveys all or
substantially all of its assets (including  without limitation the assets of its
subsidiaries)  or grants the authority to operate its business(es) or affiliated
business(es)  to a new entity,  whether a corporation,  partnership,  or natural
person ("New Entity") all of Capital  Title's  obligations  under this Agreement
will be binding  upon such New Entity and  Capital  Title will not enter into or
create an agreement,  undertaking or legal  obligation with a New Entity without
requiring  such New Entity to accept and  satisfy  Capital  Title's  obligations
under this Agreement. Notwithstanding anything to the contrary contained in this
Article  V, this  Article V shall not be  applicable  and will be of no force or
effect if  compliance  with this Article V would result in the  violation of any
law or  statute,  the  breach of any  Agreement  to which  Capital  Title or its
affiliates  is a  party,  or the  inability  of  Capital  Title  to  operate  in
accordance with its usual and customary practices.

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<PAGE>

Capital Title Group, Inc.
Acquisition Consulting Agreement
January 28, 1998

VI.  INDEMNIFICATION

     6.1 In connection  with the terms and agreements set forth herein,  Capital
Title agrees to  indemnify  and hold  harmless  MCC,  its  officers,  directors,
employees, agents and legal counsel (collectively,  the "MCC Parties"),  against
any and all losses,  claims,  damages,  liabilities or costs (and any reasonable
legal or other expense in giving  testimony or furnishing  documents in response
to a subpoena or otherwise), including the costs of investigation,  preparing or
defending any action or claim,  directly or indirectly,  caused by, relating to,
based upon or arising out of this Agreement.  Capital Title also agrees that the
MCC  Parties  shall  not have any  liability  (whether  direct or  indirect,  in
contract,  tort or otherwise)  to Capital  Title for or in  connection  with the
engagement of MCC.

     6.2 MCC agrees to indemnify  Capital Title and hold harmless Capital Title,
its officer, directors,  employees, agents and legal counsel (collectively,  the
"Capital Title Parties")  against any and all liabilities,  expenses,  costs and
damages  (including  the cost of  defense)  alleged  against or  incurred by any
Capital  Title Party in connection  with this  Agreement to the extent that such
liability,  expense,  cost,  or damage was  incurred  or is alleged to have been
incurred  in whole or in part,  directly  or  indirectly,  due to any  action or
omission to act by MCC,  which action or omission is determined to be the result
of MCC's gross negligence or wilful misconduct.

     6.3 If any action,  proceeding,  or  investigation is commenced or claim is
made as to which either a MCC Party or a Capital Title Party  proposes to demand
indemnification,  the party claiming  indemnification  (the "Indemnified Party")
will notify the party against whom indemnification is claimed (the "Indemnifying
Party") with reasonable promptness. The Indemnifying Party reserves the right to
assume the defense of the Indemnified Party with counsel of its choosing,  which
counsel shall be reasonably acceptable to the Indemnified Part. The Indemnifying
Party will not be liable for any settlement of any claim against any Indemnified
Party made without the Indemnifying Party's written consent.

VII. NOTICES

         All notices and other written communications required to be given under
this  Agreement  shall be in writing and shall be deemed to have been duly given
if delivered to the  addressee  in person or mailed by  registered  or certified
mail, return receipt requested, to the following addresses:

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<PAGE>

Capital Title Group, Inc.
Acquisition Consulting Agreement
January 28, 1998

                  If to MCC:            Mr. Rudy R. Miller
                                        Chairman and CEO
                                        Miller Capital Corporation
                                        4909 East McDowell Road
                                        Phoenix, Arizona 85008

                  If to Capital Title:  Mr. Donald R. Head
                                        Chairman and CEO
                                        Capital Title Group, Inc.
                                        14555 North Scottsdale Road, Suite 320
                                        Scottsdale, Arizona 85254

Either  party may change the address at which notice is to be given by notifying
the other party in writing.  Notices shall be deemed delivered upon delivery, if
personally delivered,  or, if mailed, three (3) days after deposit in the Untied
States mail.

VIII. APPLICABLE LAW

     The validity and  interpretation of this Agreement shall be governed by the
laws of the State of Arizona,  without  giving  effect to the State of Arizona's
choice of law  principles,  and all  actions  arising  under this  Agreement  or
arising out of the operative facts represented by services performed pursuant to
this Agreement shall be resolved in the courts of the State of Arizona.

IX.  MISCELLANEOUS

     9.1  ASSIGNMENT.  MCC shall not  assign  this  Agreement  to a third  party
without the prior written consent of a duly authorized representative of Capital
Title, which consent shall not be unreasonably withheld.

     9.2  ENTIRE  AGREEMENT.  This  Agreement  constitutes  the full and  entire
understanding  and  agreement  between  the  parties  with regard to the subject
hereof and that no  understandings  or  agreements,  verbal or otherwise,  exist
between the parties except as set forth in the Agreement.

     9.3  AMENDMENT.  Any  modifications  to the  Agreement  must be  reduced to
writing by both parties, and attached to the Agreement to be effective.

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<PAGE>

Capital Title Group, Inc.
Acquisiton and Consulting Agreement
January 28, 1998

     9.4  SEVERABILITY.  In the event any term or provision of this Agreement is
declared to be invalid or illegal for any reason, this Agreement shall remain in
full force and effect and the same shall be  interpreted  as though such invalid
and illegal provision were not a part hereof. The remaining  provisions shall be
construed to preserve the intent and purpose of this  Agreement  and the parties
shall  negotiate  in good faith to modify the  provisions  held to be invalid or
illegal to preserve each party's anticipated benefits thereunder.

     9.5 TITLES AND  SUBTITLES.  The titles of  articles  and  sections  of this
Agreement are for  convenience of reference only and are not to be considered in
construing this Agreement.

     9.6 DELAYS OR OMISSIONS.  No delay or omission to exercise any right, power
or remedy accruing to any party shall impair any such right,  power or remedy of
such party,  nor shall it be  construed  to be a waiver of any breach or default
under this Agreement,  or an acquiescence  therein,  or in any similar breach or
default  thereafter  occurring;  nor shall any delay or omission to exercise any
right, power or remedy or any waiver of any single breach or default be deemed a
waiver of any other right,  power or remedy or breach or default  theretofore or
thereafter occurring.

     IN WITNESS  WHEREOF,  the parties hereto have executed this Agreement as of
the date first written above.

                            CAPITAL TITLE GROUP, INC.

                            By: /s/ Donald R. Head
                               -----------------------------
                                    Donald R. Head
                                    Chairman and CEO

                            MILLER CAPITAL CORPORATION

                            By: /s/ Rudy R. Miller
                               -----------------------------
                                    Rudy R. Miller
                                    Chairman and CEO


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