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                                                                   EXHIBIT 10.18


                              INDEMNITY AGREEMENT

  THIS AGREEMENT is made as of the 1st day of December, 1999, by and between
CENTENNIAL  HEALTHCARE  CORPORATION  ("CHC") and HILLTOP  MANOR  INVESTORS,  LLC
("Owner").

                             W I T N E S S E T H:

  WHEREAS,  Owner is the  owner of that  certain  118-bed  nursing  facility
located at 1290 E. Michigan Road, Roscommon,  Michigan (the "Facility"),  having
acquired the Facility effective December 1, 1999; and

  WHEREAS,  Centennial  HealthCare  Management  Corporation,  a wholly-owned
subsidiary of CHC,  managed the Facility  prior to Owner  acquiring the Facility
and currently manages the Facility on behalf of Owner;

  NOW, THEREFORE, in consideration of the covenants, conditions and promises
contained herein, and other good and valuable consideration, the receipt and
sufficiency of which is hereby acknowledged, the parties do hereby agree as
follows:

      1. CHC agrees to indemnify and hold Owner harmless from and against any
loss, offset, claim, damage or liability raised or asserted against moneys due
Owner for services provided to Medicare or Medicaid patients of the Facility on
or after December 1, 1999 as a result of the currently pending investigation by
the Department of Health and Human Services, Office of Inspector General
pursuant to that certain investigatory subpoena dated March 16, 1999 (the
"Investigation") seeking reimbursement from the prior provider for services
rendered prior to December 1, 1999.

      2. CHC acknowledges that Owner contemplates entering into a Loan and
Security Agreement with Heller Healthcare Finance, Inc. ("Heller") pursuant to
which Heller will be advancing funds secured by the accounts receivable of the
Facility. CHC acknowledges and consents to the assignment by Owner of its rights
under this Agreement to Heller. CHC further agrees that should an event occur
under which CHC has agreed to indemnify Owner pursuant to this Agreement, Heller
may directly enforce Owner's rights to indemnification under this Agreement.

      3. Any claim for indemnification shall be in writing sent by first class
mail, postage prepaid or by overnight delivery service, sent to the following
address:

           Centennial HealthCare Corporation
           400 Perimeter Center Terrace, Suite 650
           Atlanta, Georgia 30346
           Attn:  Daryl R. Griswold, Senior Vice President and General Counsel

      4. This Agreement shall be governed by the laws of the State of Georgia.
This Agreement shall be binding upon the successors and assigns of the
respective parties.

      IN WITNESS WHEREOF, the parties have set their hands and seals as of the
date above.

                       CENTENNIAL HEALTHCARE CORPORATION
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                             By: /s/ Daryl R. Griswold
                                 ---------------------
                                     Daryl R. Griswold
                             Title:  Senior Vice President

                       HILLTOP MANOR INVESTORS, LLC

                             By:  Five Star Healthcare Properties, LLC

                                  By:  Southeast Capital, LLC


                                       By:  /s/ Alan C. Dahl
                                            ----------------
                                                Alan C. Dahl
                                       Title:   Managing Member