Exhibit 10.8

                       FIRST AMENDMENT TO LEASE AGREEMENT


         THIS FIRST AMENDMENT TO LEASE AGREEMENT ("First  Amendment") is made as
of this 30th day of April, 1998 by and between REGENT PACES FERRY OFFICE I, INC.
("Landlord") and SOUTHEAST COMMERCE HOLDING COMPANY ("Tenant")


                              W I T N E S S E T H:

         WHEREAS,  Landlord and Tenant entered into that certain Lease Agreement
dated  October 14, 1997 (the  "Lease")  concerning  certain  Premises  described
therein; and

         WHEREAS,  Landlord  and  Tenant  desire  to  amend  the  Lease  as more
particularly hereinafter set forth.

         NOW  THEREFORE,  in  consideration  of the above  recitals,  the mutual
promises set forth herein and other good and valuable consideration, the receipt
and sufficiency of which are hereby acknowledged, the parties agree as follows:

         1.  Commencement  Date.  Landlord  and  Tenant  hereby  agree  that the
Commencement  Date under the Lease shall be July 1, 1998 and any  provisions  to
the Lease  providing for a Commencement  Date other than July 1, 1998 are hereby
modified to comply with same.

         2. Base Rent.  Section 15 of the  Summary of Basic  Lease  Terms of the
Lease is hereby deleted in its entirety and the following is substituted in lieu
thereof:

         "15.     Base Rent:
                  [Section 4.1]

                    Portion of Lease  Annual Base   Annual Base      Monthly
                          Term         Rent/RSF       Rent         Base Rent
                          ----         ---------    -----------    -----------

                   7/1/98-6/30/03       $23.00      $125,028.00     $10,419.00
                   7/1/03-6/30/08       $25.00      $135,900.00     $11,325.00"

         3. Ratification.  Except as hereinabove modified,  the Lease remains in
full force and effect and is hereby ratified and confirmed in all respects.

         4. Capitalized  Terms. The capitalized terms used herein shall have the
meaning attributed to them in the Lease unless otherwise defined herein.

<PAGE>


         IN WITNESS WHEREOF, the duly authorized representatives of Landlord and
Tenant have executed this First Amendment as of the date first above written.

                                      REGENT PACES FERRY OFFICE I, INC., a
                                      Georgia corporation

                                      By:  /s/ David B. Allman
                                           -------------------------------------
                                      Name:    David B. Allman
                                      Title:   President

                                      Attest:  /s/ Terry L. Woolard
                                               ---------------------------------
                                      Name:    Terry L. Woolard
                                      Title:   Secretary

                                      (Corporate Seal)

                                      SOUTHEAST COMMERCE HOLDING
                                      COMPANY, a Georgia corporation


                                      By:   /s/ Rich Parlontieri
                                            ------------------------------------
                                      Name: Rich Parlontieri
                                      Title: Chairman/CEO

                                      Attest:  /s/ Louis J. Douglass, III
                                               ---------------------------------
                                      Name:    Louis J. Douglass, III
                                      Title:   President

                                      (Corporate Seal)